Do you believe that money equals happiness?


, ,

Money is historically an emergent market phenomenon establishing a commodity as money, but nearly all contemporary money systems are based on fiat money. Fiat money, like money equals happiness, any check or note of debt, is without use value as a physical commodity. It derives its value by being declared by a government to be legal tender; that is, it must be accepted as a form of payment within the boundaries of the country, for “all debts, public and private”. Such laws in practice cause fiat money to acquire the value of any of the goods and services that it may be traded for within the nation that issues it. Learn how to develop your Financial IQ, free by clicking here.

Many cultures around the world eventually developed the use of commodity money, after all money is life. The Mesopotamian shekel was a unit of weight, and relied on the mass of something like 160 grains of barley. The first usage of the term came from Mesopotamia circa 3000 BC. Societies in the Americas, Asia, Africa and Australia used shell money – often, the shells of the cowry (Cypraea moneta L. or C. annulus L.). According to Herodotus, the Lydians were the first people to introduce the use of gold and silver coins. It is thought by modern scholars that these first stamped coins were minted around 650–600 BC.

The word “money” is believed to originate from a temple of Juno, on Capitoline, one of Rome’s seven hills. In the ancient world Juno was often associated with money. The temple of Juno Moneta at Rome was the place where the mint of Ancient Rome was located. The name “Juno” may derive from the Etruscan goddess Uni (which means “the one”, “unique”, “unit”, “union”, “united”) and “Moneta” either from the Latin word “monere” (remind, warn, or instruct) or the Greek word “moneres” (alone, unique).

Money acts as a standard measure and common denomination of trade. It is thus a basis for quoting and bargaining of prices. It is necessary for developing efficient accounting systems.

The money supply of a country consists of currency (banknotes and coins) and, depending on the particular definition used, one or more types of bank money (the balances held in checking accounts, savings accounts, and other types of bank accounts). Bank money, which consists only of records (mostly computerized in modern banking), forms by far the largest part of broad money in developed countries in either corporate or individuals as part of personal finance.



Let money management show you the money!


, ,

Nothing beats the feeling of paying for your own needs. Buying things with your own money is so addicting that new employees often find their bank account empty. If you want to avoid this experience, follow these money management laws for new young families whilst pursuing financial freedom. Learn how to develop your Financial IQ, free by clicking here.

Finance is a field that deals with the study of investments. Which includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk. Finance can also be defined as the science of money management. A key point in finance is the time value of money, which states that purchasing power of one unit of currency can vary over time. Finance aims to price assets based on their risk level and their expected rate of return. Finance can be broken into three different sub categories: public finance, corporate finance and personal finance.

Scarcity of money is a way of life for many people and maybe you, this was form as a child by the thinking feeling and actions your family took and you are carrying the legacy of this thinking in your adult life and you may have introduce it to your family.

Money management is used in investment management and deals with the question of how much risk a decision maker should take in situations where uncertainty is present. More precisely what percentage or what part of the decision maker’s wealth should be put into risk in order to maximize the decision maker’s utility function.

Financial management refers to the efficient and effective management of money (funds) in such a manner as to accomplish the objectives of the organization. It is the specialized function directly associated with the top management. The significance of this function is not seen in the ‘Line’ but also in the capacity of ‘Staff’ in overall of a company. It has been defined differently by different experts in the field. While the initial effect of a budget may be that money for fun seems to disappear, good budgeting can eventually re open that door. The following money management plan allows you to build up your savings and rewards you every month for your efforts. Start by setting up separate accounts for each of the following categories and allocate funds in accordance with the recommended amounts:

In summary, by implementing these 5 positive money management habits you will begin to realize your dreams for a better future. Keep in mind that what you focus your attention on will increase

My 2016 New year resolutions for wealth and health


, ,

I am setting a theme that all my New year resolutions will help facilitate spiritual growth. Identifying why you want to accomplish your year end resolutions is an easy way to improve your likelihood of achieving your resolutions. I may still try to lose weight or gain financial freedom but only because that accomplishment will help me achieve my goal to increase more energy for pursuing spiritual activities. On matters of finance, learn here, how to develop your Financial IQ, free by clicking here.

If you are planning to have a top resolution this year, start off with one for maintaining security. BPO data theft is now as common as the complaints at the customer service desk! Every other day you come across data thefts and misuse of customer’s data. As a call center services provider, keeping your data safe and secure falls under your responsibility zone. You have to be responsible about the lead generation lists and information that business firms share with you. Sometimes the phone numbers and email addresses that you will tap are provided by the clients. In such cases, any illegitimate use of the data reflects poorly on the call center. That will get you black listed and business firms will shy away from hiring your telemarketing services.

Notice how we built failure into every one of those resolutions. Frankly, resolutions are the closest thing to hypnotic suggestions. Build in failure and you’ve practically hypnotized yourself to fail.

In addition to increasing the spiritual nature of my resolutions, I am also going to make my resolutions easier to achieve. Creating a plan for achieving your resolutions has been shown to be more effective than simply making resolutions. So, I am going to create a spiritual growth plan. For each resolution, I will define activities to facilitate realizing my goals. I am also going to make my goals measurable so that I can easily tell whether I am making progress. For example, setting a resolution to become healthier is a wonderful goal, but it doesn’t provide me with much information about how to achieve my resolution. A more achievable resolution would be something like: lose 10 pounds by 1st May, read 10 books by 10th June, create a passive income of $100 per month by 1st June. Specific, measureable, attainable, realistic and timed, acronym for SMART goal setting.

Financial freedom is nirvana


, ,

Is there really such a thing as total financial freedom? In this world of economic hardship, is there really a way to achieve total financial freedom? Learn how to develop your Financial IQ, free by clicking here.

To have total financial independence, you need to have a means of income that will never fail you. It has to be firmly secured. I had a job that I loved and worked at it for over 6 years. I really felt that I was secured in this job, so I was very, very, surprised when I was called into the manager’s office only to be told I was terminated!

Enlightened Financial freedom is something that I enjoy and live to share with the world. That is why I am sharing this with you today. Don’t get me wrong. I am not a millionaire, but will be someday. I am not a guru, but will be someday. I am a guy that learns, practices, teaches. That’s where true enlightenment comes from.

When you are striving toward financial freedom it is very important to get your name out there. Having a good reputation can provide the greatest advertisement in the world. You want to make sure that you maintain good customer contacts and nurture these relationships. You can build a tremendous customer base with little effort and keeping in contact with your customers is one of the best ways to do this.

Every one who is successful in personal finance is persistent with his work. You should also be ready to develop this quality. Instead of giving up at an early stage you should be prepared to work for extra hours. Make use of whatever you do for getting new ideas for financial freedom. Go through the financial related magazines that provide many useful suggestions in this regard. Write down these ideas and analyze them on a regular basis. You don’t know when a particular idea clicks and you get an opportunity to reach your goal.

Yes affirmation of total financial freedom was found for me in freebie trading! It is a home business that you decide to work at when you want to. Of course, the more you put into it the more you will get out of it. If you think you are ready to start working for yourself, at home at your computer, than this opportunity is for you. You are the only one that can affirm financial freedom for yourself! I recommend this highly. I hope we will get to be traders together in the future. Wishing you success for financial freedom in the freebie world of trading

Let personal finance be your most important subject


, ,

Personal finance encompasses all of the fiscal matters in your household, from monthly bills to long term debt to your savings plan. Often, families have difficulty making sure their finances are well ordered. Fortunately, today’s market is filled with helpful resources. Anyone who wants to develop better finance management skills can look at books, do online research, and register for email newsletters; there are even bookstores that have full sections devoted to finance on diverse topic including retirement planning. In this article, you will read some rules that will help you better manage your finances. Learn also other matters relating to finance such as how to develop your Financial IQ, free by clicking here.

Some lending companies, perhaps all of them, would love to keep it that way. Watching out for their own personal interests is the standard operating procedure, or in other words, getting the better end of the deal. If you don’t wanna end up in the dinner plates of these wolves, it’s best you educate yourself   do you even know what personal finance is? If you don’t, here’s what you’ve got to know: personal finance can be broken into 3 simple parts, the first being understanding the financial position you’re in. Ask yourself what kind of mess you’re in at the moment.

Even people who begin earning vast amounts of money each year need to stay frugal. This is strongly linked to the tenet of living below what you can afford. It is important to realize that you can live a frugal lifestyle without feeling deprived of nice things. For example, finance advisers frequently suggest that people invest in merchandise when it is on sale rather than paying retail. Additionally, using coupons is a great way to save money. Visit the linked site to learn more about personal finance tips.

The personal finance software you utilize can have a major impression on your financial state of affairs. The more advantageous programs allow you to manage your budget and simply see an accurate amount of how much is coming in and going out. Some programs, though, are more appropriate for small businesses, others for investors and others for keeping up to date with your household budget. Up next are some assessments of distinguished personal finance software programs and instruction on how to pick among them.

In short, personal finance is not a latest theory but it is quite a unique concept. In this article, we put our best effort to highlight the basic concepts of personal finance, its benefits, contemporary personal finance scenario, and theory of self reliance. We hope this article will help you to apply the theory of personal finance yourself strongly.

Spiritual retreats for mind and body health


, ,

Vacation destinations for fancy spiritual retreats will rejuvenate and reinvigorate you for back to daily life and memories of these exotic destinations will be like a talisman that will keep making you go on other fancy retreat on the list. Of course vacations require money and knowledge, learn how to develop your Financial IQ, free by clicking here.

So, the next time you want yoga retreats to give yourself that much needed break from the daily stresses of life, you should browse on the Internet for such fantastic getaways. Yoga retreats in the UK are guaranteed to make you feel healthy and fit by relaxing your body and mind through meditation. The serenity and solitude is bound to influence your thought and leave you feeling reenergized. Combining exotic travel plans with yoga programs is a great way to unwind and relax!

There are workshops held on nutrition and wellness in most of the wellness retreats which attempt to make you understand how your spirit, body and mind are integrated. You will also get an insight on how stress affects your body and you will learn the ways how to manage it. The workshops will help you identify the lifestyle changes you can make to stay healthy.

So you now know the most important things to consider when looking for teenage retreats, which means you can start looking for a reliable and experienced company to build it for you. The best thing is to start looking at teenage retreat designs that will suit your needs. Some companies will let you design your own teenage retreat if you cannot find what you are after. When looking at designs, look for simple layouts, the simpler the design, the more affordable it will be. Make sure you have enough space in the rooms and work through the list to make sure it has everything that you need. You might even consider looking at building a teenage retreat yourself. Find a company that also sells kit teenage retreats as these will be prefab and will save on cost. When it comes to prices, make sure that the building permit, home warranty insurance, plans and specification as well as the unit and installation are all included in your overall teenage retreat price.

For thousands of years people of different cultures have been seeking personal healing retreats to find a shelter, a refuge from the world and to reconnect with a sense of inner peace

Meditation benefits and your path to enlightenment


, ,

The word meditation in a simple language means to think or to contemplate. Meditation is a powerful tool that is used by people all over the world to calm and clear the mind, to reduce stress and anxiety levels, and simply to relax. Not only are there numerous health benefits for the mind and the body, it also opens the door to alpha mind power. Besides learning mentally relaxation, it is still a 100% requirement that we need to pass this Good Earth with financial acumen even until retirement. Learn how to develop your Financial IQ, free by clicking here.

Meditation techniques can enhance the internal capabilities of a person and increase his efficiency in all spheres of life. If you feel that you have lost some of your self  belief and proficiency then you must try meditation. Many scientific studies have concluded that by sitting quietly for a few minutes, concentrating on the breathing process and forgetting the outside world can sharpen a person’s memory. A person with a sharp memory is bound to excel in all spheres of life. Another encouraging factor is that the positive results of meditation practices are almost immediately visible in a person.

Meditation makes a person feel happy about life. Life is all about confidence and positivism. A confident and optimistic person can achieve anything in life. A great man once said that €the history is the history of people who believed in themselves’. Highly motivated men have accomplished tasks which ordinary men cannot even dream about. By meditating regularly a person can shed all kinds of negativity, inhibitions or apprehensions. This would definitely ensure greater success and happiness in life.

How meditation changes the brain is a great question to ponder, try reflecting on the question during your own session and see what answers might arise.

In meditation, you should remember two things. Breathing in your diaphragm is the first thing. You will breathe in your diaphragm to make your breath pass through the upper chakras. The second important thing is to stay grounded. Always attach your body to your physical self throughout meditation.

With practicing meditation we can self regulate the mind towards positivity and peace. Meditation benefits may help in clearing the mind and in easing many health issues. Meditation is practiced since antiquity and differently in different religions.

Physically meditation gives you some €down time’ to relax and calm, biologically it directly has a positive effect on your nervous system, which controls all other processes in the body. Meditation helps in reducing stress related chemicals like cortisol and increases the production of mood lifting chemicals like serotonin.

Plan your retirement and live adventurously onward!


, ,

Focused retirement planning, knowing what you want to do with your retirement years. Why not plan for it now? Why not plan for it before it comes? Learn how to develop your Financial IQ, free by clicking here.

Starting early allows you to have your dream retirement and lead a happy life.  Putting a hold on your expenses and increasing your savings, benefits you in the long run. Now, it may seem like a stretch but, think of days when you can sit back and relax carefree.

No matter the rationale, when hit and miss early retirement occurs, you’ll need to arrange rigorously to form adjustments. Not only your lifestyle might need adjusting, but thus will your attitude.

A retirement annuity is one of the most secured policies that ensure one to provide a guaranteed income for the rest of his life. Well, its human psychology that a fixed and guaranteed income cuts down the stress and anxiety of retirees and gifts instead a complete peace of mind. A retirement period varies from person to person and yours might be a long one. So, it’s always advisable to go for retirement annuities that can act as a strong source for providing you regular monthly payment and that too for the rest of your life.

Retirement Community – “Whoa, hold on, I’m staying at home, it’s paid for. This is where my kids call home.” I fully understand and I suspect most of us will do this. But let’s also talk about retirement communities. Typically there are requirements (and once you read some of these you might be intrigued):

Now retirement planning can be done with a single click and with the advice of a registered mutual fund advisor. Fill this retirement questionnaire to know your current financial situation and your investor profile which will help you plan for a worry free retirement.

With retirement annuities, you can never be subject to any sort of market fluctuation risk. Any alteration in the interest rates or a stock market downfall might compel the retiree to either live on a low source of income or exhaust the principle. In short, your retirement annuity payments will not undergo any change even if there is any pandemonium prevailing in the investment market. Another advantage of a retirement annuity is that it’s absolutely tax free. However, there are certain terms and conditions which you must know and therefore it’s advisable to consult your tax consultant.

Retirement gifts with a message. When the impulse hits to buy a retiree a T shirt scrawled with ‘retired but not expired’, just keep on walking. Unless the person you’re buying for is under the age of 16, chances are your wordy retirement present will end up as a dust rag.

Healthy Living for longer life


, ,

Making the choice to change your lifestyle is essential if you want to live a healthy and pain free lifestyle. There is no substitute for healthy living, and healthy living comes from making lifestyle changes that affect your complete body and mind. Only by making those important changes can you expect to live a normal, healthy life into your golden years. Learn how to develop your Financial IQ, free by clicking here

The choices you make are important to healthy living. If you are one of the many people who has begun to think about what lies ahead for you, it’s time to begin to look toward doing something about it. The choices you make now and in the future will determine how well you will stand up to the perils of life as you approach your senior years. By taking the time to learn some ways you can improve your life now can help you live longer and healthier.

The choices you make are important to healthy living. If you are one of the many people who has begun to think about what lies ahead for you, it’s time to begin to look toward doing something about it. The choices you make now and in the future will determine how well you will stand up to the perils of life as you approach your senior years. By taking the time to learn some ways you can improve your life now can help you live longer and healthier.

Some of healthy living articles like this give healthy living tips which are very useful and helpful for everyone who wants to start and act now to gain a wonderful life today and for the next years of their lives. Here are some of the basic matters that we sometimes tend to overlook

With all the advances medicine has made in recent years it has become much more efficient at treating many health problems that we have. We all know however it is best to avoid health problems all together. By following a few simple healthy living tips you may be able to do this.

We all know however it is best to avoid health problems all together. By following a few simple healthy living tips you may be able to do this.

These healthy living magazines can be purchased from any bookstore in your locality as well as healthy diet catalogs where you also find the guidelines of the food pyramid.

A big part of healthy living is being comfortable with your own self.  Don’t be pressured into trying to attain a certain look, or push yourself down a career path you are not suited to.  Constant worry about what you are doing will only have the opposite effect on your health.  Don’t get paranoid about your health diet, about what toothpaste you should use or about expensive exercise equipment you need to buy.

Meditation techniques for beginners


, , ,

Meditation should be incorporated in our life. Our busy schedule and life does not give us time to relax our mind and body. We get rid of the body strain or exertion but it does not relax your body and soul completely. Thus, meditation is necessary for inner relaxation of your body and mind and rejuvenating it for a new tomorrow. Learn how to develop your Financial IQ, free by clicking here.

This rejuvenation is essential because your mind and body not only needs to relax but also rejuvenate so that it continues functioning effectively even at a later stage in your life. If you too wish to keep your mind and body healthy ‘Energy Meditation’ is the best thing for you. You do not need a meditation retreat for this; you can practice it at your home, office or park.

The meditation practice involves the use of a mantra and is practiced for 15–20 minutes twice per day while sitting with the eyes closed. It is reported to be one of the most widely practiced, and among the most widely researched, meditation techniques, with hundreds of published research studies. The technique is made available worldwide by certified TM teachers in a seven step course, and fees vary from country to country. Beginning in 1965, the Transcendental Meditation technique has been incorporated into selected schools, universities, corporations, and prison programs in the US, Latin America, Europe, and India. The technique has since been included in a number of educational and social programs around the world.

Guided meditation is the best way to meditate as the person or the voice guiding you will help relax your mind and body with expertise. But you can practice chakra meditation techniques at home. Here is how:

Mindfulness meditation, mindfulness of the breath, and related techniques, are intended to train attention for the sake of provoking insight. A wider, more flexible attention span makes it easier to be aware of a situation, easier to be objective in emotionally or morally difficult situations, and easier to achieve a state of responsive, creative awareness or “flow”.

Information on meditation techniques are widely available in books, DVDs and CDs. You do not have to join a monastery, and live by a strict moral code, with a multitude of rules, but you need self discipline to follow a daily practice.

Sometimes it makes sense to have a pen and paper ready to jot down ideas and enlightenment to continue your thoughts whether it’s career, money, family or relationships. Never regret having something so transforming get away.