Having a good credit score can help you get a lower interest rate when you go to buy a car or a house, but not everyone has a good credit score. If your credit score is not as good as you would like it to be, then check out these tips to help you repair your credit. Believe it or not, your overall credit rating also affects your auto insurance premiums. So if you want to find cheap, quality car insurance, one way you can save money is to tie up those loose ends with the creditors. Insurance is all about risk, and someone with bad credit naturally poses a […]Continue Reading... No Comments.
Value. What are your services really worth? What do your clients get as a result of buying your products or working with you? The price you place on your products and services is really no more than what you think you are worth. One woman I worked with charged $90 an hour for coaching; yet in reality, she worked three hours for every hour she billed. Another used to run a $500 million dollar business division. Now that she owned her own business she was concerned that she didn’t have enough experience to charge $200 an hour for her services. Another client shared with me that she had sold over […]Continue Reading... No Comments.
At this time of year, it’s a common mental exercise to look back at the last twelve months and evaluate our actions, decisions and results. Many of us will find disappointments and regrets, wishing we had done better and wondering how we can improve our lives in the coming year. The clear answer is to seek the help of a mental health professional. Your issues don’t have to be monumental or life threatening to ask for a therapist’s counsel. If your problems are interfering with your daily life at home, work or school; you feel you need help in managing your difficulties; or you are distressed to the point of […]Continue Reading... No Comments.
When you’re chatting with your Aunt on the phone, texting your friend in Texas, writing a research paper that’s due in two days while simultaneously tweeting every moment of it…you may become a little stressed out. Lucky for you, I’ve figured out how to stop all of this …I’ve always been someone who seeks out peace and simplicity and throughout my quest I’ve learned a thing or two. Here is my guide on how to declutter your life… Just breathe – So my biggest discovery in my so called “quest for peace” was how powerful simple breathing could be. If you feel overwhelmed with the world…just breathe…it will release all […]Continue Reading... No Comments.
When you have low self-esteem or self-confidence, many times it is because you do not love yourself the way you should. Loving yourself is not a conceited type of loving. It is just accepting the good and bad of who you are without putting yourself down. Today, it is difficult to do this sometimes, because of pressure from others to be a certain way. At work, you have to act and perform a particular way. When you go home, you have to be another way. Sometimes you cannot keep up with it all, and you get down on yourself and feel you are failing. To feel like this a little […]Continue Reading... No Comments.
Individual finances and debt are not some thing that everybody really likes to sit down and think about. If you face the problem of debt head on, you are more likely to tackle the debt that you’ve piled up over the years. If you take the time to take many viewpoints into consideration, you are going to be able to develop a resolute plan to get your debt level paid down, and potentially even satisfied. The following criteria will help you develop a strategy to get on the road to debt-free living. Getting organized is going to help you form a solid strategy to pay down your debt. Get out […]Continue Reading... No Comments.
One of the biggest marketing mistakes is one that is so insidious that it’s invisible to most of us. In speaking with thousands of Independent Professionals over the years I’ve asked this question: “Do you think you’re getting paid what you’re worth?” And never, not once in twenty two years, has anyone said, “Yes, I am.” Everyone feels they are not getting paid what they are worth, and yet almost nobody does anything about it.Even if I gave you a dozen strategies to raise your rates or to repackage your services for higher value, you’d likely have a problem doing it because your “wealth thermostat” is set at a fixed […]Continue Reading... No Comments.
Everyone falls victim to complaining every now and again. That’s why “venting” is such a popular pastime! However, if you genuinely believe your life isn’t what it should be, complaining isn’t going to help. Excessive complaining makes everyone uncomfortable. Think about someone you know who complains a lot. Chances are you try to avoid him – and other people do too. The last thing you want is to be “that guy” – the guy no one wants to talk to, for fear he’ll launch into a complaint rant. So, what can you do to stop complaining and get your life back on track – instead of letting it control you? […]Continue Reading... No Comments.
Although getting hold of a copy of your credit report is relatively easy to do, it is also where things can start to get confusing. What are Charge-Offs? What are Inquiries? In this article we provide the answers to these questions, as we look at how to read a credit report. Just briefly we will look at the reasons why you may wish to request a copy of your credit report in the first place. The main reason is simply to check that the information is correct. Incorrect information can severely hinder your ability to be accepted for credit products. That leads to another reason why you may request a […]Continue Reading... No Comments.
The first step to fixing your credit is to find out what is on it. You can get a free copy of your report with each major bureau according to the Fair Credit Reporting Act. It is important to get a copy from all three bureaus; Equifax, Experian, and TransUnion. It is not unusual for your report to vary widely from bureau to bureau. Once you have your three reports you need to review them and identify the negative items. Congress has passed legislation that provides you the consumer the right to dispute any item on your report that you feel is inaccurate. In other words you can dispute any […]Continue Reading... No Comments.