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August 29, 2017, 4:16 pm

Unemployed And Worried? Utilize These Tips For Handling Your Finances

by: The Financial Blogger    Category: Uncategorized

There is nothing scarier for people than suddenly finding themselves out of work. The fear of not knowing how they will pay for the mortgage, the lights, and the food to feed their family can be overwhelming. However, with prompt action and a little strategic planning, you will be able to make it through this ordeal. You can keep your finances in order well enough until you are back to work and receiving steady paychecks. Here’s how:

Organize Your Financial Obligations

While the ideal situation would allow you to pay every single debt you have, in full and on time every month, when you suddenly become unemployed, that may not happen. However, you can’t let every financial obligation fall to the wayside. You must secure the roof over your head, so the rent or mortgage payment needs to be dealt with. You will still need to have utilities on in the house and you still need to make sure that everyone is fed. To do those things, you might have to place less of a focus on your unsecured debt, such as your credit cards. Unlike your car loan company, who will come for the car if you don’t pay – making it even harder to find employment, the credit card companies cannot come and take anything from you. Make a list of all your debts. Make two columns, one for the things you must pay no matter what and one for the things you can let slide if you absolutely must. It might hurt your credit, but you are in survival mode now.

File For Unemployment Benefits

Try not to wait when it comes to filing for unemployment benefits. You will want to make sure that you are filing right away because it can take a few weeks before you are finally approved and you are receiving your first unemployment payment. Find the official website for FL unemployment, or for your state if you live elsewhere, to get the process started.

Ask For A Forbearance For Your Vehicle And Mortgage Loans

Contact the mortgage company and the auto loan company right away. The sooner you do this, the more likely it is that you are going to be able to receive assistance before any repossession or foreclosure. A forbearance is when the company takes a few of your payments, post-pones them, and puts them on the back end of your loan. It usually takes a few weeks for an approval, so you need to find out how to start the application process right away. Many people find that the more open and honest they are with their lenders, the easier it is to get them to assist them during their time of unemployment.

Get Help Buying Groceries

The more help you can receive with the cost of your groceries, the more money you will have to put towards bills, such as your utilities. Apply for food stamps, also known as the SNAP program. If you meet the income guidelines, you will receive a certain amount of money that you can spend at the grocery store every month. You might also want to consider signing up with the local food bank. Depending on where you live and the food banks near you, they might have a monthly, or even a weekly food distribution.

With these suggestions, and others you might come across, you are going to find that you will be able to make it through this trying time. Your unemployment status is not going to last forever when you are working hard at getting back into the swing of things. You will find a new job and you will be glad that you took action to take care of your financial situation while you were off. This way, you will not have to worry about being extremely behind on everything when your first paycheck finally arrives.

 

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June 1, 2017, 2:33 pm

Secrets of Forex trading success: MT 4 as a top trading platform

by: The Financial Blogger    Category: Investment, Market and Risk,Uncategorized

Professional trading platform is invaluable for Forex traders as offer tools that are beneficial for effective performing and ensuring successful outcome.

Profitable trading: secrets of success

 

Trading on Forex attracts a lot of attention and many people consider that it is a sort of gambling that involves making bets on world currencies trade. It is also believed that earning millions overnight is possible with the right bet. Not all of us realize that earning real money requires time. Successful trading involves effective analysing, setting goals, assessing risks, and choosing suitable strategies.

 

Trading platforms make this process much easier as have all necessary tools that maintain effective operation. One of the market leaders – MetaTrader 4 is preferred by brokers and Forex traders worldwide. Also metatrader 4 download app is available that ensures an access to trading account from any place. Apart from using this platform there are other principles of successful start of a Forex trader’s career:

  1. -Setting goals and developing a strategy is essential;
  2. -It is important to stay realistic and not to expect earning millions for the first year;
  3. -Analysing every challenging aspect, every loss and success is beneficial for success in future performances;
  4. -Self-discipline is a key feature: make a habit of performing weekend analysis of your activity of the market in general. Look for patterns that can affect your performance;
  5. -Be prepared for losses and try not to succumb to anxiety. Learn all the possible risks and build a strategy that allows evading them;
  6. -Try not to borrow someone’s trading systems but develop your own.

These tips will help you to stay focused in building a career.

 

MetaTrader 4 effectiveness in Forex trading

 

Nowadays MT 4 can be considered as industry standard and was specifically designed for online trading in future markets, Forex, and CFD’s. Traders and brokers worldwide prefer using exactly this platform as it proved to be safe and highly effective. With provided tools it is easy to analyse prices, place trades and manage them at any convenient time. Here you can find the other key features of MT4:

  1. -This platform allows users trading over 30 currency pairs;
  2. -With customer friendly interface even a beginner is able personalizing platform and improve own productivity by performing trades more effectively;
  3. -Navigator Window allows quick access to any tool or feature you need to use:
  4. -MetaTrader 4 allows choosing required language with ease;
  5. -Advanced charts make sure that trading and analysing is possible at the same time. Moreover, it is possible choosing styles and colours according to one’s preferences;
  6. -Communication tools are as well advanced and allow traders and brokers communicating with one another and posting messages. No more confusing e-mail threads are required;
  7. -MT4 doesn’t disrupt PC operation as it is low on resources;
  8. -Enhanced security prevents any hackers’ attacks.

 

Available mobile app will help you to stay well-informed and perform effectively from any place.

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December 13, 2016, 2:46 pm

Satisfy Your Adventurous Side with a Renegade Museum Tour of the de Young

by: The Financial Blogger    Category: Uncategorized

Do you crave adventure? Love storytelling and all the juicy gossip that comes with it? Then a Museum Hack tour of the de Young in San Francisco could be right up your alley. Museum Hack is a museum tour company that hosts the most untraditional and unique museum experiences in the Bay Area.

Museum Hack leads renegade museum tours in museums across the country (New York City, Chicago, San Francisco, and Washington D.C). The tours are far from traditional, as they encourage selfies, games and FUN.  They’re designed to help people who hate museums explore art in a unique way. This is the most fun you’ll have in a museum EVER.

Held in the de Young (aka “San Francisco’s Attic”), Museum Hack digs up salacious gossip about the art and artifacts and keeps you entertained with games and selfies.

Un-Highlights Tour: Because the de Young is home to so much awesome art and architecture (really, the observation tower is to die for), stuff can be overlooked or missed on a museum visit. The Un-Highlights tour is all about discovering unique stories about the art and artists in a fast-paced, group-oriented way.

Badass Bitches Tour: Unfortunately, female artists are seriously underrepresented in museums across the nation. But thanks to Museum Hack, you’ll discover the coolest lady artists and subjects with this feminist-inspired tour. Celebrate women artists with adventure, gossip and leave feeling ready to take on the patriarchy.

Beta Tours: These tours are what Museum Hack uses to test new tour guides and put interesting but new ideas into practice. The most recent Beta Tour at the de Young was a murder mystery where guests had to solve clues to find the killer!

VIP Tour: This premium museum experience for dates or group outings is complete with wine. All the Museum Hack sass is packed into this exciting museum adventure.

Highlights of a Museum Hack Tour in San Francisco

  • JUICY gossip about art that isn’t always highlighted
  • Hangout with people who are full of passion and energy, and LOVE museums
  • Selfies with the art to take home!

If you are looking for an awesome company team building activity in San Francisco, keep Museum Hack in mind! They transform their awesome museum adventures into team building masterpieces that staff actually love.  By injecting ways to promote team bonding and team spirit into their well-loved renegade museum tours, Museum Hack has created the ultimate team building experience.  You can even customize your team building experience to focus on your company values, goals, and history.

Designed for people who don’t like museums, Museum Hack’s tours are perfect for everyone! Tourist or local, art lover or not, get yourself on a Museum Hack tour ASAP if you want some serious fun!

 

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May 16, 2013, 6:00 am

Do You Get More Done in The Summer?

by: MD    Category: Uncategorized

I don’t how anyone can live where it’s warm out all year round. I’m totally jealous. I live in Ontario, Canada, where it’s cold for a good 6-8 months of the year. I have no idea why my parents chose to migrate here from Europe. But hey, you can’t control Mother Nature.

Today I wanted to have some fun and discuss the idea of getting work done in the summer when it’s warm out.

Do you get more or less work done in the summer?

You feel better in the summer. There’s so much to do. Everyone is out. You can spend an evening at the park. Most of you reading this have kids and believe me I know how bad kids can be in the summer. When I was a kid I just wanted to be at the park all evening playing soccer or hanging out with friends. I couldn’t stay in.

How are you supposed to stay productive or stick to your laptop when you just want to be outside? It’s pretty tough at times.

The winter can be a killer on your moods. I’ve seen many friends experience season affective disorder. You don’t feel like doing anything. You just want to sit around. Your mood sucks too.

According to the Mayo Clinic:

“Seasonal affective disorder (also called SAD) is a type of depression that occurs at the same time every year. If you’re like most people with seasonal affective disorder, your symptoms start in the fall and may continue into the winter months, sapping your energy and making you feel moody.”

That sucks. I personally can get pretty damn lazy in the winter months. There are days where I don’t feel like doing anything. It can be difficult to snap out of.

With that being said, we all want to get the most out of the summer because it’s only here for such a short period of time.

How can you stay on top of your goals in the summer?

The following tips have worked best for me when I know that I have to be glued to my laptop when it’s gorgeous out.

Avoid the temptation to drink early.

When it’s warm out, it’s tempting to start hanging out on the patio earlier in the day. This usually leads to booze. This could lead to a few beers. You’re feeling social. You don’t want to go home. Next thing you know, you’re 6 beers in and feeling wasted by 5pm. While there’s nothing wrong with that if you planned for it, it sucks if you have things to do that day.

As tempting as it can be, you got to hold off on the early drinking.

Get your work done first.

My goal is to get as much done as possible in the morning. This frees up the rest of the day. You also don’t have to stress during the afternoon about that email that you forgot to reply to or that project that isn’t complete yet.

I say that we try to get as much done as possible in the morning or before we go out. The rest of the day is ours.

Wake up early.

“Early to bed and early to rise makes a man healthy, wealthy and wise” – Ben Franklin

It’s tough to wake up earlier than you need to in the winter because it’s freezing out and your bed is so nice and warm. Now that it’s warm out, you have less excuses. What are some of the benefits of waking up earlier?

  • A calm morning.
  • Time to exercise.
  • Start the day off right.
  • The world is peaceful.
  • More focus.
There are many more benefits. I’m trying to get into the habit of waking up earlier myself. Have you thought about it?

[Quick note: Leo wrote about the beenfits of waking up early at Zen Habits.]

As for me, I have windows open with a nice breeze coming in as I type this article. This is the warmest day of the year. As soon as I finish my work I’m heading outside to enjoy the sun. We have a nice little park in our backyard and there’s always someone around to hang out.

Do you struggle with getting work done in the summer?

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April 11, 2013, 6:00 am

Should You Pay For a Gym Membership?

by: MD    Category: Uncategorized

“The resistance that you fight physically in the gym and the resistance that you fight in life can only build a strong character.” — Arnold Schwarzenegger

Should you pay for a gym membership? Is this actually worth the money?

Last week we talked about squeezing fitness into your life. I shared my tips and you guys joined in with some great insights.

“I started doing 10 push-ups every time I walked out my front door. I would do them inside obviously. But the rule was, If I planned on walking through that door frame, I had to drop and do 10 first. After a while I raised it to 15. Before I knew it my strength had increased significantly.” — Sean

“Very true. If you want to do something bad enough you will MAKE the time to do it or else you find any excuse to skip it Staying healthy is necessary for vitality and living a long life not to mention saving money on medical bills and sickness which are inevitable without it. However, fitness is only one part of it you also have to eat healthy most of the time.” — Kelly

Now we need to discuss gym memberships…

What are the pros of a gym membership?

Forces you to go. You know this by now. When you pay for something, there’s a barrier to entry and you take it more seriously. Paying for something often makes you appreciate it more. I can’t miss a workout for the same reason I never missed class. It’s my money on the line!

You make friends. I’ve made tons of friends at the gym. This could be the person that spots you or a new friend that you meet in one of the classes. Once you make friends, you’re more accountable for hitting the gym. You know that if you miss a class or a workout, that somebody is going to call you out on this.

Oh and you have more friends to go out with on the weekend!

Excuse to leave the house. Who doesn’t want to leave the house once in a while just to get away from it all? I never drink when I’m mad. I hit the gym. The gym is an excellent excuse to get out of your place and be social.

What are the negatives of paying for a membership?

The cost. The cost sucks if you don’t use it. Imagine buying a meal and then walking away before taking a bite? That’s what you’re doing with a gym membership if you don’t attend.

Gyms don’t make money from those that go. They make money from those that don’t go. My buddy Vince came to my gym one day. He wanted to start training. He paid for one year upfront. Awesome! Well, no. He never came again. That gym just made the easiest couple of hundred bucks ever.

You don’t need a gym to workout. As we mentioned last week, you don’t need a formal gym membership just to train and move. You can workout in your basement, at the park, or anywhere else. Don’t worry about joining a gym. If you’re committed enough, you can reach your fitness goals without paying for a membership.

What’s my process for figuring out if a gym membership is worth it?

In 2008, I cut my gym membership at the end of the year. I didn’t feel that it was worth the money at that point.

I joined a new gym in mid-2009 because I really wanted to switch up my training. It was an MMA-style gym with unlimited classes. I became hooked instantly. I got into everything from kickboxing to kettlebell swings. The classes were a great way to stay in shape and meet people. I still go when I can, but the gym has significantly cut back on classes. I guess they had too many folks like me taking advantage of every class.

My process is simple for deciding if a gym membership is worth it:

  1. Try working out at first home. Before you pay for anything, you should try to get into the habit of training in general. Start off at home or in the park.
  2. Work on your eating. How’s your diet? Do you still eat too much junk? Before you can see any results or gains, you need to slowly improve your eating. This won’t be easy, but it’s worth it. And if you can’t improve your eating, maybe you’re really not that serious about working out.
  3. Take one month where you pay-as-you-go. Yes, pay as you go. Trust me. Pay every single time you go.
  4. Evaluate. How did everything turn out? How many times did you attend? Would it be cheaper to pay for a membership compared to paying as you go? You tell me.

I’m actually debating cutting my main gym membership. The main boxing trainer left and the replacements don’t cut it. The only thing holding me to this gym is my younger brother. We usually go together. Lately we only train one day a week together because he has a gym class in school for his first period (he’s in grade 11). With the summer around the corner, we might switch over to park workouts.

Are you currently paying for a gym membership?

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