Money
Financial Midlife Crisis, Do You Have It?
Author: Rick Lim
Going through a midlife crisis is not fun at all. I dont have to tell you that. And being confused all the time as to whats next or what you need to do to fix it.
Now when it comes to midlife crisis’ there are many different kinds and reasons. We call all agree on that, but the cure is whats different for everyone. Now many believe that YOU are the cause of your midlife crisis. And that may be true to some extent, but when you really look into it. Its just simply your comfort level that has you in the exact position youre in. Now by that I mean if you were more comfortable, you may have less money.
If you went golfing more often, or fishing etc… you may be happier? but you may also have less money because of it. And thats all Im refering to when I say its your current comfort level that has put you in this postion. Now lets go the other direction, what if you golf all the time now, or were always going on vacations to South America, maybe you would have more money if you didnt do these things as much, but you may not be as happy as you are right now.
So what I suggest is accept who you are, and if you dont like who you are, then go meet new people, that has always worked for everyone of all ages. I have suggested that to hundreds of people who were feeling blue. And it works, you will meet people who are worse off than you, but also people you dont even like, but it will really help you just accept who you are. But when it comes to the actual financial side of a financial midlife crisis, you must get out of your comfort zone. Something has to change, in order for your financial crisis to change. Lets say your 45 years old and only have $25,000 in the bank. Well your not really on pace to save up for a comfortable retirement. So you must step back and change somthing, sometimes a drastic change, but none the less, there are things that will help your financial crisis.
For many, its a new career, or a new job, just a change of pace or scenerie is all it takes to cheer one up. But what about a whole new make over, now thats where lives change and leaders come from. Life changing experiences come in all sorts, from spending money on a business or even just donating it all to a charity and accepting the fact you will never retire. So you can stop worrying about it. Not my recommendation, but the business is always a good idea.
Online business can be started for $1000-$5000 with a income potential of $100,000 – $1,000,000 yr. After all the internet is the way of the future, but what about a brick and mortar business? If you enjoy fishing, perhaps you could take some money out of your nest egg and start a fishing store in the mall, for an easy $75,000 + startup, not to mention the monthy overhead. As well as the turn around is pathetic really when you compare it to an online business.
You probably remember the .com phase a few years ago when all these people were selling out for millions. Well, the internet is a little diffferent now, but its still young and there is well over a billion dollars spent online every year.
So if your a reward seekeer, or eager for change, pehaps look into all options before deciding to make the big change that is needed to get out of your comfort zone that led to your financial midlife crisis.
Hopefully this has helped clarify your situation and allowed you to more clearly see a path to brighter skys.
About the Author:
Rick Lim helpmany people from all aspects of life get started with an online business. My father in law went through a 5 year midlife crisis until he got cancer, which was thankfully cured. He got his big push out of the comfort zone, dont let yours be that way, control yours and become a little uncomfortable now, so that you can become more comfortable in the long term.
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Top 10 Ways to Save Money
Author: Ricardo Reeves
In the present situation, when borrowing has become very expensive and people are not even able to pay off existing debt, it is very important to save money for the future instead of throwing it on unnecessary products and depending on debt for emergencies. While cutting extra spending and increasing savings may seem difficult initially, it can help you in paying off your debt and staying out of debt in the future.
It might seem impossible, but saving small amounts of money on daily activities can help you with saving significant amounts of money in the long run. The first way which can assist in saving money is to limit your spending and stick to buying products that are necessary. Making a list before going shopping could remind you of your priorities for spending, and also of the product needs. Initially, it might be a bit difficult to fight temptation but you can tune yourself eventually to prioritisation. Another thing that may help in spending less is to spend less time in the store, whether you are grocery shopping or otherwise.
While shopping, look for bargains that are the most suitable and economical. While doing this, you can sometimes find products in bulk on sale, which will help you save a considerable amount of money. Buying in bulk can be suitable for products that are non-perishable. To save on grocery shopping, with some products you can also consider switching to another generic product that is more reasonable. The product might not be branded but it would still serve the same purpose at a relatively lower cost. In case of clothes and other products, you can also save money by changing your preferences from designer labels.
To maximise savings it is important to pay off debt as quickly as possible so that you can use your money for savings. Consolidating debt can help if you want to pay it off quickly. You should keep track of your bank accounts and credit records, and also pay off the bills on time in order to avoid extra fees and charges. You should also try to reduce your bills as much as possible. You can also save your ATM fees by withdrawing cash from one of the bank’s machines that doesn’t charge you for the withdrawal.
Cutting back on extra expenses, luxuries and gadgets can also contribute a lot if you want to save. You can reduce living expenses by cutting back on charges on services that you don’t really need. If you used to buy books and movies, you can always rent movies and borrow books in order to cut the cost. Purchasing used books is also a viable choice.
For buying, you can also use the internet where many websites provide good bargains and coupons for savings. If you want to save money, avoiding impulse buying is very important. If you see something that you like, you should not buy it instantly but wait and look around. By doing this you may end up with a very good deal that you won’t regret later on. You can also consider looking for insurance that is relatively cheaper.
About the Author:
Ricardo Reeves is an expert in debt management and has helped hundreds of families free themselves from a stranglehold of debt.
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Despite what lil me says, there are some serious health risks in art. One of the worse is spray mount, which is canisters of glue which lots of artists use to glue there pictures to mount board. If you can smell it, you are breathing glue in and that is definitely not good for you. Same for thinners. If you are using spray mount, you should only use it in well ventilated areas, professionally in a fume extraction cupboard and even then wearing a mask. If you don’t have one, go outside, stand up wind of you work, preferably wear a mask and spray away form you. You shouldn’t be able to smell it. The other big health and safety issue in art is the use of scalpels and other kinds of knives to trim your work. Scalpels are obviously very sharp, but are ideal for cutting paper and card cleanly and much better than scissors. However, they also cut fingers, legs and pretty much any other bits of flesh they touch. You should also ideally wear protective glasses when using scalpels as they can shatter and really ping, but that is usually only when someone is misusing them or using them inappropriately. If you are using a scalpel or a cutting blade always cut in such a way that if it slips (and it will!) it will slip away from you. Similarly, be careful if you are in a classroom that no-one else is near you. Always use a metal rule and keep your fingers above where the blade will go when holding the rule. Don’t use wooden or plastic rules. Never sharpen pencils with a scalpel- use a proper pencil sharpener. You’ll get a better job with a proper sharpener anyway. Be careful replacing scalpel blades- use thin nose pliers to put them on or off unless you know what you are doing. Never leave a scalpel just lying around or in a draw unprotected with the blade out. I use plastic wine bottle corks on the end of mine which work well. Keep scalpel blades only while they are sharp. Surprisingly maybe, a sharp blade can be a safer blade as you will be using less pressure to cut with it and it will give a cleaner cut. Dispose of properly, don’t just throw in a bin. The cleaner may reach in the bin to empty it. At the very least, wrap it in a load of masking tape or sellotape but preferably put it into a proper sharps disposal container. other dangers are scissors for obvious reasons and guillotines, although these are usually fully guarded assuming they are not the old fashioned type with a huge blade you bring down- they can be lethal to fingers but hopefully you won’t be seeing one of those. The other big cause of accidents in studios is slipping. There is a lot of paint and water about and the floor can be really slippy. You can obviously break an arm or bang something falling down. Similarly, artists often use ladders to pin work up or any available chair, another potential fall situation. NEVER use a stool or a chair on casters or a folding chair! i had a bruise running from my knee all the way up to my groin as a result of standing on a folding chair. it was a nice shade of blue to yellow, but it was an effective way to learn not to use folding chairs as ladders and it could have been much worse. And finally, don’t forget painter’s madness. Many famous artists are insane in some way, look at Dali or Van Gogh or Tracey Emming. Although, maybe they became artists because they were insane and not the other way round? Welcome to the Asylum. Have fun while you’re here!
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