Financial Health – It’s About Your Attitude!

Believe it or not, for most people, their financial success in terms of paying their bills, accumulating wealth and staying out of debt has very little to do with how much money they earn. Sure, your salary is an important factor in your financial success, but it is only one of several key factors, and it is far from the most important one.

 

What is financial health and why do I care?

As defined in the Business Dictionary:

“A way in which to measure the overall financial aspect of an individual that includes the amount of assets they own and how much income they must pay out to cover regular and other expenses.”

Having healthy finances means you can afford comfortable life for you and your family throughout your life.

Let’s simplify this and say that good financial health is when your Net Worth (the sum of everything you have) is positive and forecasting your future finances has a positive trend (i.e. your Net Worth will grow). MoneyWiz has a built-in forecasting tool that allows you to quickly check all this.

In this article, we’d like to focus on the psychological aspect of achieving financial health.

So, how do I get there?

We’ve been serving hundreds of thousands of customers who use MoneyWiz to improve their financial health. Over the past 4 years, we’ve spoken to tens of thousands of them, and we’ve observed common traits between people with good financial health and people with bad financial health.

In this article, we’d like to focus on the very core of improving your financial health. And that is, believe it or not, your attitude towards it.

If you’ve read the article this far, congratulations, you’re on the right track! Read on!

Rule #1 – Reality Check

So, you think everything’s all right. Are you sure? Most people don’t realize that they’re on the way to a financial disaster, before it’s too late. So, it’s time to face the reality. If your debts are more than your savings, if you consistently get loans/credits or make purchases on installments plans, or if you earn less than you spend, you have a problem. And it’s a big one. Don’t worry, it’s fixable, as long as you realize you have a problem and take actions to fix it.

If none of the above is valid for you – job well done! Pat yourself on the back and continue doing what you’re already doing, because it’s obviously working.

Rule #2 – Calculate the Scope of Your Problem

The first step to improving your financial health is calculating the scope of your problem. Meaning – how much you owe vs how much you earn.

Here’s what you need to do:

  1. Make a list of all your savings and checking accounts with their balances. That’s your positive balance. Calculate the total positive balance that you have.
  2. Make a list of all your credit cards, loans, mortgages and their balances. That’s your negative balance. That’s the money you have to pay off over time.
  3. Make a list of all your monthly recurring bills, but skip your credit card, loan and mortgage payments. If you are paying off an iPhone for example, that’s a bill. Your electricity, gas, phone, internet …

 

Read more: http://moneywizapp.com/financial-health-its-about-your-attitude/

Best Breeds for Security Dogs

Lots of people own dogs only to add some life to their house and enjoy non-stop affection for a long time. Yet dogs also have their uses. Getting a watchdog or guard dog to your home is a powerful way to improve security as well as have a loyal friend and partner for life. When researching various guard dog breeds and choosing which type you would like to bring in your home, you should look at your choices carefully, based upon your specific circumstances. A number of the world’s best breeds are:

a) Great Dane
The Great Dane just isn’t called ‘great’ for nothing. With their massive frames, Great Danes are physically daunting. However, their temperament is commonly incredibly gentle. Good with children, the Great Dane makes a loving and patient family pet. Yet, if danger is sensed, the Dane’s loud bark will raise the alarm. Frequently, an intruder is going to be scared by a Dane’s deep bark and sheer size. Therefore, this breed is an excellent deterrent.

b) The Caucasian Shepherd
It really is regarded as the very best of both worlds with regards to having a terrific guard dog but additionally a loving pet. They are very gentle and loving towards his human friends and family but really guarded around strangers. This breed can also be an incredibly intelligent and intuitive animal and seems to fully grasp and take his cues from you whenever sensing whether something or somebody is a threat. This dog will also not think twice about protecting your family with his life which is what makes this breed among the best all-around dog for protection.

c) Doberman
Doberman Pinscher may have a daunting demeanor. The breed is strong and may move rapidly. Consequently, Dobermans are often utilized in police and military work. Like the German shepherd, the Doberman is smart and incredibly loyal. In addition, it’s a myth that all Dobermans are inherently aggressive. In fact, aggression in many breeds of dog is a thing that is brought about by reckless training.

d) Bullmastiff
The Bullmastiff is a durable, alert breed; this type of breed is considered among the best guard dogs in the entire world. It has a height of 63-69 centimeters and can weigh between 50 and 59 kilograms. It really is skilled at following its intuition and understands how to separate friends from enemies perfectly.

e) German Shepherd
The German Shepherd, GSD, has rated consistently among the most popular dog breeds in the U.S. As a result of breed’s high intelligence and bravery, it is often used in police work. Yet, up against the belief of some, German Shepherds are excellent family dogs which are gentle, loving and wonderfully patient with children. A German shepherd will, however, protect the family if it senses danger.

The 9 Best Fermented Foods for Your Gut

Looking to improve your digestive system? Fermented foods are what your body needs. Try the many fermented foods that are readily available.

 

Image of fermented foods rich in probiotics that are considered great for supporting normal gut health.

Fermented food has made a comeback in recent years, partially thanks to the popularization of Weston A. Price teachings. Fermented foods like sauerkraut and kimchi aren’t considered to be the most appealing types of food; however, research exploring these and other fermented products on gut, brain, and body health has revitalized public interest. The fermentation process encourages essential bacteria such as Lactobacilli and Bifidobacteria to flourish. This makes fermentation a good source of probiotics for vegans, since many fermented foods are plant based. Vegetables are submerged in a salty brine during preparation to kill off dangerous, pathogenic bacteria. The good bacteria break down lactose and other sugars and starches in the food, making digestion easier. And once they reach your gut, they continue to help break down food and keep out bad guys like E. coli and C. difficile.

The Best Fermented Foods

When it comes to fermented foods, your options aren’t limited to sauerkraut or fermented soy. There’s other fantastic options that are considered “fermented,” including tea, yogurt, and various vegetables. Here are the 9 best fermented foods you should be eating for your gut.

1. Yogurt

Yogurt has many benefits, mostly due to its rich probiotic content. Brands of yogurt that contain billions of live active cultures may support digestion, and some research indicates it could even benefit the skin. [1] Raw, unpasteurized yogurt is ideal if you can handle dairy. Personally, I tend to skip dairy altogether, but you can find dairy-free yogurt options at many stores these days, some of which are made from coconut and almond milk. Be sure you’re choosing yogurt that contains live …

 

Read more: http://www.globalhealingcenter.com/natural-health/the-9-best-fermented-foods-for-your-gut/

Garden Awnings

For outdoor activities, garden awnings are becoming an excellent solution for almost everything, however at least there are several simple reasons behind this choosing them. Many people choose to use this awning type due to their simple design, easiness to adapt with the environment, its huge inventory on the market, best quality (especially related to the power required for this awning), more space, structural protection etc. It helps make the bonding time with the family more exciting and fun.

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(c) egalawnings.co.uk

Awnings should be produced from durable fabrics and also stand the varying weather conditions and everyday use. Materials can be found in a variety of colors and patterns, from modern and classy to bold and bright, thus there will certainly be one to satisfy your taste and décor. Fabrics needs to be coated with Teflon and an anti-mildew treatment to protect them from the elements, and strain resistant to make certain they do not shrink or twist with time. UV protection can also be vital.

Having these types of awnings will benefit you and your family in more ways than one. It could work as an extension of your property. This gives extra space to entertain visitors or for family activities and bonding. Setting up a table and chairs beneath it makes an outdoor dinner much more special, and weekend barbecues and picnics now are more enjoyable. Whether you’re playing games with friends or family or simply having some peace and quiet reading a book by yourself becomes better with garden awnings.

There are lots of garden awnings for sale out with features that make it good for outdoor purposes. Outdoor awnings are created with waterproof canvasses that effortlessly repel droplets of water from rain. Some have motorized posts that enable you to retract and set-up your awning with a touch of a button. These awnings have motorized pulleys which make it simpler for you to put up your garden awning even from inside your house. Many automated awnings like this come with controllers so that you can control your awning even from inside the house. This is convenient, especially when many individuals find it really bothersome and tiresome to set-up awnings manually. What’s more is that you may now easily retract an awning whenever the weather becomes awry minus the hassles of doing it yourself. Some even come with particular accessories like lamps and insect zappers to boost your outdoor experience. Garden or patio awnings with features like this surely make it fun to be out there in your garden.

Whatever outdoor awning you choose, there is no doubt you will have something to fit your house and your style. Far from being the rusty eyesores of the past, outdoor awnings can be an elegant addition to any residence.

Ways to Restore Home Furniture

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(C) www.youtube.com

During this modern epoch of neo-architectural innovations, new fads are smashing chains of customary material use and designs’ being impacted by a quirky style due to modern technology and supported by imagination, furniture has gone up from being items of utility to becoming an essential part of essential modern-day setup.

Over the frame of time being exposed to shifting circumstances and long term use will leave even the best pieces of furniture to be taken in by scrapes and surface area defects in addition to other marks of wear and tear and tear. Consequently, in order to restore its amazing condition, it is essential that you do fixes and touch ups when possible. Follow these 5 tips that one could follow in order to restore your furniture utilizing these touch up goods.

a) Paste wax-steel wool combo for several small scratches: This really is something which ought to be there with you if the furniture is vulnerable to having numerous little scratches on the surface. Use the wax and apply it around the region with the steel wool. After you are done, wipe the region thoroughly clean with a delicate cloth.

b) Wax sticks for deep scratches: They could be bought at hardware stores, whereby they are sold for use in patching strong marks and gouges in wood fixtures. Apply the wax stick over the gouge by applying firm pressure; work the wax stick lengthwise over the deep scratch. When the cut is completely full of wax, drag a putty cutlery throughout the surface of the wood to remove any wax that’s resting above the surface.

c) Glass scratches remover: Scratches on glass furniture could be easily taken out by using a glass scratch removal element. The compound functions by filling out the scratches and making the surface even and scratch free. Just prepare the mixture and put it on the surface with scratches. Allow it to dry off after which rub the surface. Rinse off the compound to show a scratch less surface.

d) Touch-up pen for laminates: Laminate surfaces are really easy to keep and restoring minor scratches is a lot easier in comparison with any other surface. A furniture touch up pen is beneficial for this job. Simply use the pen to coat the area with marks and watch the magic it produces.

e) Natural home remedies: Many nuts comprise essential oils that may simply be used to handle minor scratches and then make your furniture look as good as new in a brief time. The simplest nuts to use for this function are walnuts and pecans. After you break the outer hard shell exposing the inner edible part, slowly separate the meat of the nut, and rub the oily portion on the marks. For the best results let it dry and then rub clean with a soft dry cloth.

Curb Appeal Improvement

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http://www.chicagotribune.com/

As time go by, certain parts of your home will begin to decline and shed its look. Natural elements and other components tend to be the major reason of this predicament. The truth is, even newly purchased homes may still appear old, especially if it’s not cared for. As a home owner, you have to realize that things such as chipped paint, dust, grime, fungus could affect the way the house looks as a consequence; it’s going to lower that home’s value.

Each home’s attraction is termed the curb appeal. The residence’s curb appeal makes a good first impact to people especially for prospective homebuyers. They are going to wish to see what’s inside it. If the curb appeal is not that good, selling your home will be hard for you should you be considering to do so. But you have to worry no more since you can follow these simple exterior enhancement ideas which can help improve the appeal of the home,

CLEANING

Cleaning the house exteriors is as important as cleaning what’s inside. By getting rid of all the clutter and rubbish out of your residence will attract prospective buyers into your house. As a tip, you may use a power washer to clean up the exteriors of your property. Making use of the power washer, you can get rid of the dirt, salt scum, and grime out of your porch, driveway, and outdoor decks. You may rent or get a power washer or employ the assistance of an expert power washer to avoid accidents and injuries. Also, do not forget the gutters. Unclean gutters will not only be unpleasant, it will fail to do its function so you should not overlook that part. Just by cleaning it, you can have a big difference in the curb appeal of your abode.

WALL IMPROVEMENT

Enhance the home by painting front side or the outside of the house. Typically painters are hired to achieve this job. But what we don’t realize is that, it is not that tough and you may actually do it with the family. Prior to this, you need to first ensure that the surface is clean and ready. And also, consider weather conditions when performing this task since weather conditions could affect paint bond.

LANDSCAPING

Another way to enhance the curb appeal of the house is to revive the landscaping. The lawn must be cleaned out and all the weeds are eliminated. You can also think about adding plants and flowers. It is best to consider adding plants that bloom locally to avoid spending a lot of. A landscaper can be a big help in accomplishing this activity however, if you are positive enough you’re able to do the work, then just proceed. You need to ask for their suggestions for plants that will blossom easily in your area.

 

 

Kitchen Cabinets for your Home

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(c) HGTV.com

The kitchen cabinetry serves a very important objective. It is utilized to store kitchen items and tools for example, keepers, cookware and etc. in addition to food supplies. Also, they are a part of the house, so you’d like them to fit into the overall design and style.

You don’t have to get a completely new set of cabinets to upgrade your kitchen. In some cases, all it takes is up-to-date components, maybe new dye or shade, or possibly different door style to present them a whole new look. If you want more space, changes can be accomplished as to what you have such as additional shelving or platters. If you happen to be buying completely new, consider all the various items you could have and exactly how much space you will require.

Finish
It is also recommended to finish cabinets with polyurethane. The wood surfaces need all the protection they could have because of exposure to cooking, dirt splatters as well as other kitchen routines. 3 coats of polyurethane will do the trick. Water-base polyurethane is an excellent alternative simply because it’s relatively odorless, smooths over better than oil or alkyd urethanes and dries out quickly, enabling you to put on the 3 coats in a day. You may also repaint the cabinet of the color of your choice or engage a painter to do it for you.

Where to buy
You have a wide variety of options when purchasing kitchen cupboards. Companies sell cabinets through a retail store including building supply stores, kitchen and bath retailers and home improvement stores, such as Lowes and Home Depot. The most important thing is to allow the exact same person or company who created the cabinets to also have them installed so that errors and mishaps can be avoided.

There are also cases that you may possibly want a style of your own that you cannot find in any home depot or any home improvement shop. You can actually look for a company that customizes cabinets along with its installation. Just simply be sure everything has been agreed like expense and length of work.

Putting it all together
Visualize what things you will use and how frequently you’ll need them. For instance, your household will likely use drinking glasses every day. You don’t want them in a spot that is definitely difficult to reach or far away from the refrigerator. If you have great dishes or anything special you want to display, consider putting those things in a cabinet with glass panes. If you have seasoning, cans or other non-perishable goods to keep, one with a turn table can come in handy to help you to fit a lot more within a single space.

Since you will be spending much time in the kitchen preparing food for the family, it is best that you select a style that fits your lifestyle and need.

Transforming Your Loft into a Livable Space

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Belmont UK

In order to avoid uprooting an expanding family from a much liked home, it’s possible to consider converting the attic right into a fully livable and useful space. An alternative option to expanding a family home is to build an extension, that may be nice, but is often more troublesome and costly. Due to this, a lot more homeowners want to make more efficient use of their present space, instead of attempting to create more.

Utilizing a home’s loft space is now more and more prevalent as a result of several advantages that you might wish to start browsing loft conversion prices right away. A well-planned loft conversion is a process of changing an attic space into a completely functional living space, like a bedroom, office space, or games room.

A. Avoid the expense of moving home
House prices have stagnated and even dropped in some areas. With the country caught up in a financial economic downturn, relocating is becoming an unwise decision. On top of the stress caused, you’ll be spending thousands on solicitor fees, stamp duty and estate agent payments. Therefore instead of encountering this ordeal, think about a loft conversion. The work is going to take place out of your way and you also won’t be inconvenienced through the process.

B. A cheaper alternative to extending
When it comes to including extra space, you have two main alternatives; convert the loft, or extend to your garden. With the infrastructure already in place, loft conversion are often the cheaper option. In addition, you will not be taking out a chunk from your garden sufficient reason for it, property value.

C. Utilize wasted space
A loft or attic is usually a wasted part of your home. It usually covers a huge area and lots of home owners just use the area for storage – whether it’s boxes of junk of Christmas decorations. Change the room into a bedroom, bathroom, study or perhaps and ensuite.

D. Increase home value
Transforming your loft is sure to increase the value of your home and studies have shown that investing in an extra bedroom or bathroom can boost property value by 5% and 6% correspondingly. Moreover, converting your loft area into an ensuite bedroom can add on a whopping 20%.

A knowledgeable specialist will be able to provide complete guidance on the entire process of transforming a loft, which could include advising on the feasibility of converting your particular attic space, providing thorough plans, guiding on planning requirements, costs involved, and making certain the work is done to a safe and high standard.

Trust In Marriage: How To Build, Rebuild, and Restore Trust with Your Spouse

Do you have trust issues in your marriage? Without trust in your marriage, it cannot succeed. If you have a no trust marriage, you need to rebuild that foundation of trust to have a happy and healthy relationship.

 

trust in marriage

Trust in marriage is extremely vital for your marriage to thrive. Trust is also the most important thing that makes pursuing any relationship worthwhile.

Without trust, a healthy marriage or relationship can not exist.

Can your marriage survive without trust? 

Is it even possible to have a great marriage without the complete trust of your wife or husband?

Trusting your spouse is key to a happy, lasting, and healthy marriage!

Without complete trust, it’s impossible for married couples to have a “real” marriage or relationship. By “real” relationship, we mean a healthy one.

Most trust issues in marriages are caused by extra-marital sex, lying, cheating, emotional affairs, constant contact with an ex etc.

The lack of trust and presence of trust issues in marriage certainly plays a big role in many unhappy and unhealthy marriages.

Some of the consequences of trust issues such as infidelity can result in lifelong effects on your kids, spouse, and family.

Building complete trust in your marriage should be a top priority!

Why is trust in marriage so important?

No trust in marriage means your marriage could end in a divorce very quickly. It could also result in separation, and breeds insecurity.

Being able to trust your husband or wife completely provides you with comfort. The freedom to express yourself makes you feel secure, and create’s a peaceful home environment.

It also reduces stress and worries about your husband or wife cheating on you, or doing things behind your back.

In marriage, we have the opportunity to have the most intimate relationship with another human being; our spouse.

And in order to be so closely connected, we must bare our souls to each other.

Dr. Henry Cloud puts it this way, “Intimacy comes from “knowing” the other person at a deep level. If there are barriers to honesty, knowing is ruled out and the false takes over.” (Boundaries in Marriage).

In order for us to feel safe enough to bare our souls to each other, to be naked not just in a physical, but an emotional way with our spouse, we must be able to trust them.

 

Read more: http://ourpeacefulfamily.com/trust-in-marriage-how-to-build-rebuild-restore-spouse-wife-husband/

23 Passive Income Ideas You Can Start Today

The knowledge on how to create wealth through passive income is now understandable, particularly if you are worried about how to save sufficient money in order to meet your desired goals. However, even though so many people have this understanding, there are still some who do not have enough ideas for making passive income.

 

Has a nice ring to it, doesn’t it?

After reading books like Rich Dad Poor Dad and 4 Hour Work Week, I became interested obsessed with making passive income.passive income ideas

Whenever someone needs additional income, the stereotypical suggestion offered is to “get a part-time job.”

But what if you don’t have the time or energy to put in all those extra hours?

I know I didn’t.  Plus that wasn’t as appealing as making money while I was trading time for money.

For that, you may need some passive income ideas – ways to make money with little investment of time and effort on your part. And a great benefit to this is if you are trying to pay off debt quickly, this is a huge help to that!

Here’s a list of quite a few passive income ideas, so it’s likely that you’ll be able to find at least two or three that will work in your situation.

1. Invest in Lending Club.

There is probably no passive income that is more perfect than earning interest on safe investments, such as U.S. Treasury securities and bank certificates of deposit. The problem of course is that those instruments pay paltry returns – generally less than 1%. It may be passive income at its finest, but you’ll never be able to relax or retire on returns that are that low.

That makes now the perfect time to talk about Lending Club. It is a web-based peer-to-peer lending platform where people come to get loans, and investors – looking for high interest opportunities – provide the funds for those loans.

Lending Club provides an opportunity to earn interest rates in excess of 10% per year – which is about 10 times what you will earn on more conventional interest-bearing investments.

Now let’s be clear on one point: those high rates do come at a cost. Unlike bank investments, Lending Club loans can go bad, in which case you will lose principal. However, there are ways to minimize those potential losses. I talked to a LendingClub adviser and they recommend starting out with an initial deposit of $2500.  Since you can invest as little as $25 in a single loan, you can actually buy into 100 different loans with a deposit of that level.  So you don’t have to worry about a single loan going bad and ruining your investment.

Despite the risk of default, it’s very likely that you will earn far more on your investments at Lending Club than you will at a bank and I have averages just under 9% during the eight years I have been investing with them. Investing larger sums of money in different ways can be beneficial, whether it be where to invest 10Kor where to invest 100K, we can help you get a better understanding of how to invest your money.

2. Get cash-back rewards on credit cards.

If you’re already using credit for some of your purchases, pursuing credit card rewards is an absolute no-brainer. Most top rewards cards let you earn anywhere from 1-5% back on your money, and that’s with almost no effort on your part!

If you’re already using credit for convenience, you can also earn a huge sum of cash in the form of a signup bonus. The Chase Sapphire Preferred® card offers one of the best opportunities out there. After spending just $4,000 on the card in 90 days, you’ll earn 50,000 points worth $500.  On top of that, if you add your spouse as an approved user, you score an extra 5,000 points.  That works out to 59,000 points for just $4,000 of spending you were going to do anyway.

 

Read more: http://www.goodfinancialcents.com/passive-income-ideas/