CMUThought Community Thought 100 day Challenge

Building a Community Smart Goal Setting 100 Day CHallenge

Category : Finance and credit

Tips to Get and Stay Motivated


Motivation. It’s one of those words that is so easy to say, but one of those things that’s pretty hard to do. Everyone – whether they’re a motivational coach or a salesman trying to push 0% credit cards – can sometimes find it difficult to beat the unmotivated blues. So instead of giving in to giving up and finding your list of things to do has fallen into the hundreds, read on to discover ways to get motivated and stay motivated…

Create a Mantra

We all know the tag line that goes with that famous sports brand, Nike – “Just Do It”. And while they might have already snared that one, it doesn’t mean you can’t use it to. Whenever you find yourself thinking about a chore that needs doing and trying to put it off, just repeat your chosen mantra to yourself and get on with it. Here are some great little sayings to help you get on your way –

  • You only regret the things you didn’t do – Mark Twain
  • Onwards and upwards!
  • This is not the hardest thing I’ve ever done
  • No pain, no gain!
  • Go forth and conquer!

Maybe none of these will float your boat, but hopefully they’ll give you a starting point. Try and come up with a mantra that relates to your life and use it when times get tough.

Get Active

If your day involves a lot of sitting around at a desk for instance, try and take time out at lunchtime to get outdoors. Go for a walk, head out on a jog, or simply run up and down the stairs a few times instead of taking the lift. Exercise increases the heart rate and you’ll feel much better if you get out, breathe in some fresh air, and get your blood pumping. Hopefully once you return to your desk you’ll be ready to tackle those tasks – however mundane – and get yourself through the rest of the day.

Ditch the Sugar

You might feel like the first thing you need is a Coke when you’re facing a slump, but you’ll only experience a temporary surge of energy and will then crash when the sugar leaves your system. So avoid the quick fix and go for something altogether healthier. Try a smoothie packed with bananas or a juice – they’re a great way to help sustain your energy. And don’t automatically reach for a chocolate bar – pick up a cereal bar or a handful of dried fruit and nuts instead.

Set Yourself Goals

So you’ve got a stash of things to finish by the end of the day and they’re all whirring around your head. You don’t know which one to tackle first, and actually you feel like you’d rather not bother with any of them. First things first, make a list. If the things you need to get done are all achievable today – great, if not, decide what you can set aside for tomorrow. Give yourself some time targets – make a list of the things you’re going to do by 11am, and then what you’ll have finished by lunchtime. This way, everything becomes much more organized and it’s easier to see you can get things done. Once you’ve completed a task, strike through the item on the list – it’s probably the most satisfying you can do for free! Try it!

Dream

If you’re finding it hard to get motivated and stay that way then maybe you need to look at what you’re doing. Perhaps you’re not feeling fulfilled or using your abilities to the best. If this is the case, take some time out and think about what it is you’d really like to achieve in life. If, once you’ve thought long and hard, you decide you’re not doing the thing you love, then set about finding steps to change this. Set yourself small goals to hit which will lead you up the ladder to your ultimate dream. Remember to be realistic though, “Rome wasn’t built in a day”, so don’t give yourself a hard time if it seems like you’re taking forever to get to where you want to be. Just remember it’s important not to lose sight of this dream and work towards it as often as you can.

Hopefully these motivational tips will help you start achieving your goals, organize your life, and ultimately get to where you want to be.

Investing now for 2012

Your personal investment strategy will also be affected by the way you feel about risk. In the investment world there is a direct correlation between expected returns and risk – your risk will increase with the higher the rate of return. Before you can decide on a personal investment strategy, consider how much money you can loose, and then base your risk level on this assumption. This also depends on if you are looking into stock trading yourself or having a professional assist you. Your risk tolerance can be affected by: the time of the investment of time you have to meet your financial goals and to make up for any losses you might experience. Investors are doing more online trading with the faster broadband speeds and new tools to help novice investors. People with longer times to recoup their investment may be more willing to endure periodic fluctuations in the value of their investments.

When investing online you need to make sure that you diversify your portfolio. Don’t put all your eggs in one basket and consider interest rates, commodity prices, consumer confidence, management decisions or a host of other factors. For most investors, what is important is the risk profile of their overall investment portfolio. The more long term and lower yielding investments like bonds and municipal funds the less willing you are to risk your money. Which is a good strategy if you are closer to retirement and cannot take a chance with your retirement income. Unlike someone who is younger can those risks by investing in options, global markets, and high yield stocks because if there is market correction they have time to make up the lost funds. Make sure to consult with your online broker at companies like First Trade where they help you manage your account and provide the latest tools to help you understand the market. By combining several different investments like stock option trading in your portfolio, you can spread your level of risk for a given level of expected return.

Landlord Services

Many of us at one time or another have lived in an apartment or rental house and had to deal with a landlord. The vision that comes to mind is a section 8 housing landlord with a wife beater on coming around collecting rent and enforcing the housing rules. This was especially true in college and while I was not a total party animal we did beat up our apartment. I realize now the amount of money and time that is spent in property management as we have some friends that own a few rentals units as a way add some additional revenue to their household.

Landlords are often tasked with tenant screening for both residential and commercial properties. They will have a set of criteria that one must meet in order to occupy or live in a specific property. This can be one of the more tedious task as it sometimes requires interviewing and performing background checks. Doing all this while adhering to local and state laws when it comes to allowing someone to live in your building.

Tricks to negotiate a settlement with the credit card company

Are you keen to negotiate a settlement with the credit card company? The credit card companies are willing to settle debts in order to retrieve the owed amount from the debtors. These companies are aware that if the card holders declare bankruptcy then they will not be able to retrieve a penny therefore they agree the settle the debts. Therefore, here are a few tricks to negotiate settlement with the credit card company.

 

1. When you negotiate a settlement with the credit card company make sure that you select a proper repayment plan. You can either opt for lump sum or installment payment when you plan to settle your debts with the creditors. You can review your financial situation in order to select an appropriate repayment plan.

 

2. You can approach your credit card company and inform them that you are interested in settling your debts. You can contact the manager of your credit card company for settling your debts.

 

3. When you contact the credit manager for settlement never accept the first offer proposed by him. Make sure you continue negotiating until the credit card company manager accepts the negotiation proposal offered by you.

 

4. When the settlement proposal is accepted by the manager ensure that you request him to give a written copy of the settlement agreement before you pay them. You should also request the manager to report the account as “paid in full” instead of “settled in full” as this helps to avoid negative impact on your credit report.

Finding business services in 2011

You can now find outside business parnter legal translation solutions.

Companies like Merrill Datasite have been helping the Fortune 500 companies with their important financial and critical business information through their due diligence checklist capabilities. Having one location for new start-ups and those companies that are looking to expand their portfolio through acquisition only helps to speed up the process and helps in their due diligence. As companies think more globally and hope to get into some of the growing markets like China they will need language translation services for their current reports which Merrill can offer solutions.

Life insurance as an investment

I was reading some financial articles where they were talking about using variable annuities and life insurance to use as a investment vehicles. With the huge swings of the markets and the uncertainty of the US dollar people are looking for other solutions to balance out their portfolio. Whole life insurance can be set up with guaranteed returns over the life of the policy. You need to check with your agent for specific details but is something you should consider and you will have a robust life insurance policy in place.

Getting your mortgage payment lower

Interest rates have been bouncing around during the past month and those seeking Loans that will suit their purpose may be in luck with all the different products available on the market. Many people got caught up in the refinance frenzy a few years ago and now those problems are starting to show up in the financial markets. The reason is that many lenders sold loans based on a adjustable to folks who were not financially equipped to handle those payments once the payments started going up. Now is the time to look for a new rate with rates at their lowest and not projected to go up. We settled on a 30 year fixed because we knew we are going to be in the home for long term and that the additional equity we could build up would prove valuable later on when our kids go to college. If you are looking to get into a new home without over spending your limits then look at prefab homes Massachusetts solutions from The SandCastle Group who specialize in regional homes and buildings.

The housing market where we live has been steadily growing and some of our neighbors have been able to find rates that will allow you to take advantage of your equity while providing a decent tax break may be just the ticket. So not matter what type of loan you are looking from a standard home equity line of credit or refinancing your existing mortgage make sure that you look at the total payment today and what it will be in 5 or 10 years. Do not over extend your self thinking you can make those payments because if you default you could loose your home which for most people is their largest investment.

Traveling for the summer

Taking family trips through out the Northwest is something the family and I have been talking about for the last year. There are so many great things to do and see within a car ride of our home like Yellowstone National Park, Mt. Ranier, and Whitefish, MT. We have friends that have motorhomes and we have been told that they will loan us their RV for a week to take a nice long trip. I would love to do this and have to look into motorhome insurance to make sure that we can be covered for repairs and other costs should we need it. These are expensive vehicles and I would not want to cause any harm to our friends motorhome while we were traveling. Plus many of the motorhome insurance plans can include road side assistance in the event you need a repair on the road which would be a great safety blanket for us.

Work for yourself using SMC

Most everyone has thought about firing their boss and working for themselves. In the past this meant starting from the ground up and needing a large amount of capital to get started. Thanks to the internet many Americans are able to start their own home based business from the comfort of their home and work the hours that they want. From companies that help you build websites to drop shippers there are numerous ways to make money online. You can find a smc corp review here that gives you some insight into what the company offers. Specialty merchandise corporation provides services or products are available 24/7 and you can keep your overhead and expenses low. There are thousands of home based businesses out there that allow you to work from and create your own income. The problem is that many of them are hard to find and their structure is set up so that only a few will succeed. The advice I would give when looking into a home based business is do something that you will love doing. With the passion and drive you will be make anything work.

While most home based businesses claim to offer financial freedom it is up to the individual to create a plan and then execute it with passion. Companies like SMC provide the tools and resources to help you find that path and only with hard work and perseverance will you maximize your investment I have certainly tried and researched my fair share of online opportunities. The best advice I can provide is to research the company behind the products and make sure it is something that you will love doing.

Great business product reviews

If you are a big or small company you know the importance of keeping a project on time. For some companies having a project or product delayed in getting to market can millions in lost revenue and sales. Having Project Management Software that can help you track the progress, due dates, and critical decision points can mean the difference between success or failure. Most companies will have teams assigned to various aspects of the project in order to accelerate the project but these teams must have a central point to be able to assess their deadlines and see the impact that their piece of the project will have on others. Having a clear line of sight into the key benchmarks of the project and timelines and milestones will only enhance your overall business productivity.
There are other business software tools that can be very valuable in addition to help businesses manage their time and their employees. At All Business Tools they offer Employee Scheduler Software Reviews and a Best Personal Organizer Review that can help businesses improve their production and profits. The employees scheduling tools can help you manage different shifts along different departments to understand when and where you need resources. Having time organizing tools is another key solution that businesses can use to manage their resources and help them keep their clients happy while providing top tier customer support. The right organizer tool can help you stay on top of your priorities and help you collaborate with peers on projects and timelines to make sure your projects are on time and under budget.