Life is short - begin every day with a smile!
Here’s an interesting (and fun) hypothetical for you to consider…
You apply for a very dangerous and difficult job that pays an enormous amount of money for the relatively short time you’ll have to spend working on it.
The job will take 30 days to complete and you’ll receive your pay in cash when the job is finished at the end of day 30.
The person hiring you says you can choose one of two ways to get paid: [Read more…]
Chances are you know someone who never seems to show up on time.
Whether it’s a business meeting, a college class, a church service or a doctor appointment, they always seem to arrive five minutes after things have already gotten started.
The purpose of this post isn’t to chastise those folks. Some of the people I most admire and some of the most successful people I know have issues with punctuality.
But that being said, I believe it’s best to always strive to be on time. And truth be told, being a little early is even better.
It’s always been a good idea to review your credit report for errors and omissions every now and then, but with identity theft happening so often these days it’s absolutely critical that you keep an even closer check on it than ever.
Credit reporting agencies used to charge a fee every time someone asked for a copy of their own credit report, but now the federal government requires them to provide every American with one free copy per year.
Be aware that there are several private companies that offer “free” credit reports, but those companies all require something in exchange. Most experts recommend steering clear of those websites.
If you’re one of the millions of Americans making mortgage payments every month you probably dread having to write out that big check every time the next one comes due.
And if you’re a typical borrower with a thirty year mortgage, you probably know you’ll be writing out a grand total of 360 of those large checks.
What’s more, you probably know you’ll likely end up paying about as much in interest over the course of the loan as you borrowed in the first place!
If you’re unsure what I mean, here’s an example courtesy of Bankrate.com:
If you’re still working you’re probably looking forward to the day when you can retire to a well-earned life of leisure.
And if so, you’re certainly not alone.
After all, it’s human nature to want to be able to live life completely on our own terms after decades spent helping someone else get rich.
But unfortunately, there’s a cold, hard truth about retirement: It makes a lot of people miserable.
There are several reasons why: [Read more…]