I decided to take a leap of faith and start this new blog about finances as my first step to getting out of it. Yes, you read it right, I have been in debt for almost 10 years and counting. I’m pretty sure it is also the reason why you found me. Perhaps, we’re both in the same journey.
Everything else in my life seems to be working really well, except for one thing. I don’t have ENOUGH money. I have an outstanding credit card loans, car mortgage, a business to run, a family to feed, and taxes to pay. I work 9-16 hours a day just to get by. Yet, even if i have gazillion tasks to complete, there isn’t just enough. It took me a while to finally accept I need some help. Blogging, is one of my therapy.
I know for sure that there are people like us out there, frustrated, scared, worried about what our future looks like. This blog is for them too.
I will courageously share my experience – whether good or bad in this site. Along the way, I do hope that others will learn from it too.
Today is the day I liberate myself from debt chains. Thank you for joining me.
With Tasmanian Devils (Sarcophilus harrisii or S. laniarius) in dramatic decline from a transmissible tumour called Devil Facial Tumour Disease or DFTD, three major companies are helping fund needed programs based at the University of Tasmania and overseen by the Tasmanian Department of Primary Industries and Water (DPIW). The multi-faceted approach includes field monitoring of the wild population, research into the disease itself, efforts to mitigate the impact of the disease on the wild population and captive management of ‘ark populations’ of Tasmanian Devils. Warner Brothers, whose Taz, the Tasmanian Devil introduced the animals to many people; MaxValu, a Japanese supermarket chain and Qantas Airlines are all contributing.
Devil Facial Tumour Disease
The Tasmanian Devil is listed as Vulnerable by Australia and Tasmania under the Australian Environment Protection and Biodiversity Act, largely due to the DFTD outbreak. DFTD begins as cancerous lesions around the mouth and head, which grow rapidly and spread down the neck, often onto the body, very quickly. Death usually occurs within 8 months of the first lesions appearing. The tumour cells are passed directly from animal to animal so the project is looking at ways to separate populations to prevent further spread of the disease. In areas that are DFTD free work is being done to prevent inward migration. Cattle grids are being tested to find optimum design to discourage the Tasmanian Devils from infected areas from crossing bridges into clean areas. Other options being explored include sensors mounted at devil eye level that trip lights, barking dog sounds or water jets.
The Ark Population
In addition to attempting to check the spread of the disease to healthy wild populations, a number of Devils were taken into captivity in 2005 as part of an ‘insurance’ program. The animals, kept in a quarantine facility since then, continue to be disease free. Some have bred successfully. Some of the animals from the quarantine facility will be sent to authorized mainland wildlife parks, so that all of the ‘insurance animals are not in one place.
Warner Brothers has just agreed to donate 1 AUD for each Bugs Bunny and Daffy Duck DVD sold in Australia. This comes less than a year after they authorized the sale of some Taz ,the Tasmanian Devil plush toys with proceeds going to the project. MaxValu from Japan has raised 30,000 AUD and Qantas has provided air transportation for relocation as well as donation sculptures for placement at airports and various other locations around the country. But this is a huge project with implications for the overall biodiversity of Tasmania which means much more funding will be needed.
Vin Diesel, the muscular Hollywood actor who had a string of action movies, is well-recognized for his smoothly shaven head. Who would think that a young Vin Diesel with hair got his first big break in the 1994 short film, Multi-facial? Interestingly, Diesel wrote, directed, produced and scored the film himself. His hair’s shorn short but not completely shaven.
In Multi-facial, you can see that he used to have thick hair, gauging from the tight and close growth of hair follicles.
Here’s Vin Diesel in Saving Private Ryan. His hair is short, befitting a member of the military, but you can still see it.
In contrast, Vin Diesel used to sport thick, jet black and wiry hair when he was younger and just starting out as an actor.
This one is from the film, Find Me Guilty (2006), where his performance was favorably received by critics. His role was based on the life of American mobster, Jack DiNorscio.
Vin Diesel as a child, with a full growth of lush and curly hair, attesting to his mixed parentage. Although unknown, he might have Afro-American roots from his father’s side.
Vin Diesel still oozes sexy charm here with thick, wiry hair, but for many of his fans, he’s more manly when his head is cleanly shaven.
Seeing photos of Vin Diesel with hair is very rare, but in this promo image for the Riddick franchise, his hair is longer than usual.
In 2004, he sported long, unkempt locks and lots of facial hair for the big-budget sci-fi/action flick, The Chronicles of Riddick, the sequel to Pitch Black.
This picture was from the 2015 movie The Last Witch Hunter. It was a dark fantasy action movie where Diesel starred as an immortal witch hunter.
The caption says it all. From having a full growth of thick hair, he transitioned to having irregular bald patches that made him decide to shave his hair. It’s for the better, don’t you think? His charisma seems to stem from having no hair at all.
Adele rose in popularity in a very big way. She did it with the release of her very first album, 19. Since then, the British singer has not looked back. She still has the same powerful voice that rocked the whole world. However, the same cannot be said about her appearance. In over a decade of being a celebrity, a lot has changed on her face alone. All this could only be done through cosmetic surgery. This is Adele before and after plastic surgery.
The Adele today has a much slimmer cheek line compared to before. This could be done through diet and exercise. But cosmetic surgery could have been done as well.
Adele obviously lost a lot of weight. However, the curves she achieved after might be the work of a plastic surgeon.
Her jaw line was always been on the thicker side. It seems that the Adele of today has lost a lot of the fat in that area.
An amazing transformation program has made Adele into a beautiful and curvaceous woman. Could this be the result of several trips to her cosmetic surgeon?
The changes in her face are undeniable. Her hair and facial skin color as well are very different from before. Another proof of Adele before and after plastic surgery.
The photo on the left shows that the singer has a rounder nose while the one on the right shows a more trim and chiselled form.
Back then, Adele had a fuller face and belly. With several trips to her surgeon, people today see a slimmer face and figure.
This was the Adele that everybody saw during the early part of her career. She had a fuller figure and facial features that were not that sharp.
This is Adele today. A lot more confident with her looks with her more defined eyes, nose, lips, almost perfect teeth and a trimmer face.
The difference between before and after is like night and day. Although Adele looks a lot better now, she seems to have gotten a lot of help from her surgeon.
Sedimentary rocks are usually formed through sediments. These are the ones deposited over a particular time. This is also found on layers most likely at the bottom of oceans and lakes. There are tons of facts about sedimentary rocks that have to be learned. First of all, it has to be made clear that these would always include minerals and even small pieces of organic matter and plants. There are instances when the sediment is also compressed. This may occur for a long period of time. This is true prior to the consolidation of the solid layers of rock. Strata is the term utilized to describe the ones seen in cliffs.
These sedimentary rocks have always been perceived as an important resource. This is meant to give clues regarding the past of the earth. Basically, these are all arranged in accordance to density. Aside from this, compaction in the process may have to be expected. Another that has to be given attention is cementation. This sort of process comes from minerals dissolving. Usually, these hold various particles which come together to come up with a sedimentary rock.
Lithification may also be observed. This is a sort of process which happens whenever the sedimentary rock hardens. There are fossils of organisms here. For most of the time, these are buried over time and are normally seen in most sedimentary rock. These rocks are also divided into three groups. These are all based on texture and composition. Aside from this, classic sedimentary rock may also form. This occurs as it becomes older and then breaks down as they compact together. Breccia and sand-stone are good examples of sedimentary rocks.
It is claimed that sand-stone is a type of sedimentary rock which is used for most housewares. This has been the case ever since the prehistoric times. Organic sedimentary rock is also another. This goes with a high amount of material which is utilized as a source of tar and petroleum. Among these are coal and limestone. For a tenfold of occurrences, chemical sedimentary rock comes out as crystallize solution. Most of the minerals are left behind as evaporation unfolds. This is where halite or table salt is formed.
Erosion has always been responsible in the breaking of soil into various pieces. Without this, sediment will never be possible. This then may be carried away from water or wind. This may also land somewhere such as mud or sand. As time goes by, new sediment would definitely pile. This may be the case on top of the old. The older layers are the ones that will turn into hard and compressed. This is when sediment suddenly becomes rock.
Sedimentary rocks may be formed through mud, sand, minerals and the remains of living things. There may be four type of the mentioned. Sandstone is formed from sand grains. These are melted together through the time. This may also be lithified. There are also fossils of animals and plants. This may also be of millions of years old.
The Nile River will always be talked about in history. This is for sure. With the length of 6650 kilometers, or 4132 miles, it is perceived to be the longest in the whole world. This is always included in facts about the Nile River. It is situated in Africa. This Nile River also passes in other countries including Eritea, Kenya, Burundi, Congo, Tanzania, Uganda, Egypt, Sudan, Rwanda and Ethiopia. The significance of the river with Ancient Egypt is studied from one generation to the other. There are historical sites that feature such. These are the Claior and the Luxor.
In the year 2004, the navigation of the entire Nile River happened through Nile Expedition. This started in Uganda, and then it suddenly finished in Rosetta. This took four months and even two weeks to be finally completed. This Nile Delta in the Northern Egypt is a place where the Nile River usually drains itself. This is directed towards that of the Mediterranean Sea. This is known to be around 150 kilometers or almost 100 miles. This is true in length and it may spread for almost over 240 kilometers, or if converted, 149 miles. This lies on the coastline. Needless to say, the river has always been rich in agriculture. This is used for farming for almost a thousand of years now.
There were 40 million people who are now living in the Nile Delta region. In the year 1787, it was the famous Rosetta stone which was stumbled upon in Nile Delta. The artifact in the Ancient Egyptian shows that the undertaking plays a key role in the understanding and grasping of Egyptian hieroglyphics.
The river was put together in the year 1970. This went alongside Aswan High Dam. During that time, it was very much helpful in making sure that the flooding in the Nile River is somehow regulated. Prior to the building of the Aswan Dam, high levels of water were featured. These were said to be useful in wiping out crops which were seen in low level waters years ago. These could always produce drought and even famine.
Indeed, the Nile River will always play a vital role in history. It symbolizes civilization and this cannot be denied in any way. It is not just prominent because of the measurement it barely flaunts itself with. There are so many studies underlying the river. Normally, the rivers that flow is directed into the Nile. This comes from that of the south. There are sources for this. It starts with the Blue Nile. This also comes along with Arbara and White Nile. This is seen around the southern section of the Khartoum and Aswan. This is now termed as Nubia. This has passed through different formations which involves igneous rock which may be hard enough. This may result to that of cataracts. A series of it. This may begin from a natural boundary heading towards the south. This may also involve the first and second cataracts. Do not forget to remember all of these.
According to the National Cancer Institute, up to a third of all cancers are linked to diet. These include an increased risk of cancers of the mouth, pharynx, throat, esophagus, stomach, bowels or intestines and pancreas. Food choices may also be a factor in the risk for cancers of the breast, lungs, prostate, cervix and bladder. Foods can be both protective and harmful to the body. Cancer-fighting foods are usually rich in antioxidants, fiber, minerals and vitamins.
What Are Antioxidants?
Antioxidants include substances such as phytochemicals, vitamins, minerals and other nutrients that protect the cells from damage caused by free radicals and toxins in the body. Free radicals are unstable byproducts of natural reactions in the body such as metabolism. They may also be formed and accumulate in the body from the environment, such as from smoking, pesticides, pollution, radiation and even processed foods. They react with cells and molecules of the body, including DNA, damaging them.
Antioxidants help to clean up free radicals in the body and prevent or reduce their harmful effects. These cleansing molecules are found in many foods, particularly in fruits and vegetables. Eating a healthy, balanced diet is a lifestyle choice that can help to reduce the risk of cancer as well as other diseases such diabetes, high blood pressure and cardiovascular disease. Preventing obesity and maintaining a healthy body weight also decreases the risk for cancer.
Cancer Fighting Foods
An easy way to find which foods are packed with antioxidants is to look for deeply colored vegetables and fruits. Other foods such as cabbage and grains which may not be brightly colored also contain cancer-fighting molecules. Research published in the Journal of Nutrition (133:1286-1290) showed that herbs common in cooking and those used for their medicinal properties are also very high in antioxidants.
Foods that have powerful anti-cancer and antioxidant properties include:
- Brussels sprouts
- alfalfa sprouts
- aubergine or eggplant
Tumeric is a common spice used in South Asian cooking which has long been used as a potent healing herb. It contains the active ingredient, curcumin, which has potent liver protective, detoxifying, anti-carcinogenic, anti-inflammatory and antioxidant activity. Other benefits of turmeric include lowering of cholesterol, improvement of fat metabolism and improvement of digestion.
Eating a variety of healthy foods helps to increase the body’s absorption of the nutrients it needs. Supplements are useful when a diet may be temporarily lacking in the right foods, but it is a much poorer source of disease battling substances than natural foods. The cancer-fighting abilities of fruits and vegetables are unmatched by any supplements or medications; aim for up to nine servings of fruits and vegetables every day. Foods high in fiber help to keep the digestive system healthy and reduce cancers of the bowels and stomach.
The most common thing that a modern man and businesses has to deal with is its expenses. Because of the life’s modern approaches to a business and person’s daily life, expenses and bills are often taken for granted. It is surprising that with the rise of modern technology, some are still not able to track their own expenses. A very reliable solution to combine technology and solve the problem of expenses is the use of an expense tracking software. This software will ensure that you are up to date of your current expenses and are in line with the current trends of your financial waves that could hit your pocket and business.
Choose Your Own Software From The World’s Best
In considering the best choices of expense tracker software, you will come across different cheap expense tracking software that will help you get going at a minimal cost while keeping your money problems at bay. The top best choices of cloud finance tracker software for you are the following:
- Billster – for personal and group involvement, the free application gives reminders of billing cycles and notify those who have owed you
- MoneyTrackin’ – a free online application dedicated to give an idea of what it is like to track finances
- LessAccounting – for users with knowledge in accounting, this web based application could be used to manage finances in an accounting viewpoint
- Bill Monk – used in a shared mode. Persons involved will know to whom they owe once the account is setup. This program is free. It is also considered as one of the best expense tracking software online.
- ExpenseWatch – Helps automate the business’ finances with dedicated modules for subscription
- MoneyStrands – an easy to use online money management program that lets you put in all your data from different financial accounts in one place called a financial dashboard.
- BudgetTracker – for a free subscription, limited services that allows one to track their finances could be utilized and could be upgraded to a full service of $3 monthly
- Invoicera – small businesses could benefit from this complete with a multi-language and multi-currency support on a PDF file format. Users could choose from three different subscription rates.
- ExpenseCloud – for a fee of $90 a month, all the business’s needs in finance management are met
- Freshbooks – an invoicing service online for free, but could be upgraded to $20 a month that could help track invoices along with taxes on different PCs and gadget platforms
There is a lot of expense tracking software online that could help you acquire the service you wanted without putting much stress on other things aside from expenses. With this software, it is expected that you get the best and most honest information provided to help you get the result that is relevant to you.
There are many easy jobs that pay well.
For a lot of people, their job activities would consist of clocking in, warming their chair and trading gossips by the water cooler. Then they call it a day. But for a lot of people, the nine-to-five grind is much more rewarding because they get to work with their hands and brains. Other than the fact that they have the experience and the expertise to perform well, these jobs pay them handsomely.
Below are some easy jobs that pay well:
1. Massage Therapist
It’s not hard to be a massage therapist. You just have to hurdle the first few weeks of training to get a license and you’re good to go. The best part is that you are in a relaxing atmosphere and free from stress. Massage therapists have been known to receive an average annual salaries of up to $51,000.
2. Tour Guide
This is a fun and easy job to do. All you need is to be knowledgeable with the different tourist destinations in your area. It is as simple as bringing them there and spewing out a little history of the place. Plus, you get to meet people from all over the world (note that some of them are very generous tippers). The annual salary of a tour guide can reach $52,000 a year.
3. Personal Trainer
As a personal trainer, your job is to guide your clients on the proper exercise program to follow. You have to make sure that the exercise methods are done accordingly to avoid injuries. Your knowledge in regards to proper nutrition and exercise will be your tools to earn an average $25,000 yearly.
If you are creative and possess a talent in art, then being an artist should come naturally to you. What’s great about being an artist is the unlimited resources of ideas and creativity you get from your imagination. You don’t have a difficult boss in this profession that pressures and limits you from doing your best. A really good artist can earn as high as $100,000 a year.
5. Song Writer
Similar to an artist, a songwriter uses his talent and creativity to come up with a really good song. He writes songs for himself or for other artists. Naturally, It gets to be really rewarding once the song becomes a hit single. The song writer gets a royalty for every album sold or even for every time the song is played on the radio. They can earn as much as $43,000 a year and even more.
This is another easy job that pays well. Working as a photographer, you find yourself surrounded with picturesque scenes and beautiful subjects. Photographers who have great eyes and who can capture the essence of the moment can earn up to $25,000 a year or higher.
Being a writer is also considered another easy jobs that pay well – if and only if, you have the skill, the persistence and the passion to do it. There is no heavy lifting or workplace hazards involved in this job. Writers have a fairly easy time because they just have to churn out words, sentences, paragraphs and pages. A lot of writers are turning to freelance work to augment their income. It’s not uncommon for a writer to earn up to $28,000 a year.
These are just seven examples of easy jobs that pay well. What makes a job easy to do is the fact that they don’t require much physical effort, and they are jobs that pay you well while you are doing something you love. However just like any other job, a combination of hard-work and dedication is needed in order to make it big.
Are there any easy jobs that pay well that did not make it to this list? Feel free to share with us as we welcome your thoughts.
Having problems with loan and other debt you couldn’t catch up with? That certainly isn’t an easy thing to deal with. Financial difficulties are doubtlessly tough but never impossible to weather. If you are looking for advice on how to get rid of debt, go over the discussions below to get some insights. They may not be right on point in addressing the specific problems you have but they should be able to provide some useful guidance on how you can manage your financial obligations better.
For the following discussions, focus on this word ASAP—which spells out Austerity, Savings, Additional Sources of Income, and Payment.
The reason your indebtedness is piling up on you is your lack of resources. You are spending more than you are earning so you need to leverage your earnings with borrowings that entail costly interest expenses and service charges. As such, you have to learn to practice austerity. Learn to cut on your unessential expenses. Of course, this one’s easier said than done. You have to be careful especially when you think you don’t really have anything unessential to let go of.
Start with the utilities. You don’t really need anything else other than electricity, heating/cooling, water, and rent for your appointment. You may need to stop your cable TV service and Internet connection. Know how to prioritize. Don’t keep using power-consuming appliances to lower electric bills. Avoid using your credit card. Learn to hunt for bargains and sales to save on your grocery and toiletry spending.
Pursue savings whenever you encounter the opportunity. This is not just limited to getting savings from buying groceries or other consumer items. This also applies to trying to find savings from the interest payments you need to pay. When you have debts, you are expected to pay for interests, service charges, and other associated fees. In most cases if your debt is not completely paid off the soonest, you will continue having to pay for higher interest. There are even cases when loan balances with interest also incur additional interest.
Small debts become unmanageable over time because of the amount of interest you have to pay for them. If you can find loans with better interest rates and payment terms, try obtaining them to use the proceeds in paying smaller debts with higher cost of borrowing. Consult people who can help you in undertaking debt consolidation. There are credit unions or cooperatives that offer this assistance to those who are deeply troubled by their enormous debts.
Also, as much as possible, try to have savings even in very small amounts. This is to help yourself change your attitude. For most people, it really helps seeing some amount of money accumulating over time. This stimulates and sustains the desire and eventual habit of wanting to have savings. There’s usually that inexplicable feeling of fulfillment in seeing some amount of savings regardless of the amount.
Additional Sources of Income
Of course you are troubled with debts because you are not earning enough. What’s the best solution for that? Logically—it’s seeking more income! You may need to look for an additional job. Just be sure that the new job does not affect the one that you already have. The last thing you would want is knowing that you have been fired in your first job because you are becoming less productive as you struggle to fulfill multiple obligations.
If you are doing business, try changing your strategies if you are still not improving your earnings. If your operations are doing great, consider expanding although you need to be very careful about obtaining a new loan to fund an expansion. You can also try making joint ventures or collaborating with other businesses to capitalize on certain advantages. For instance, if you have a good place in front of a busy street, you may want to contact online sellers to have their products displayed or consigned on your store. You may then ask for commissions for sales made. If you have to sell properties, go ahead but be careful not to sell them at a loss or a very low price.
Of course you can’t get rid of financial obligations if you don’t pay them. You have to make sure that you always allocate some amount to slowly pay off debts. If your current financial standing can’t really deal with all the debts you are having, find ways to minimize the interests. For instance, if you have unpaid credit cards, stop using them or have them cancelled and negotiate with the credit card company some setup to make the obligation less onerous. Some credit card companies are willing to stop the accumulation of interests for those who promise payment with a specific timeline. Obviously, it’s better for them to have this kind of compromise instead of having to completely write off bad debts.
Try to fit these ASAP guidelines in your specific situation. You need to employ all four: living an austere lifestyle, pursuing savings, looking for additional sources of income, and ensuring payments. The important points here are to minimize your expenses while increasing your income, changing your attitude in handling money, and coming up with compromises to make the debts less costly to completely pay off.
Being in your 30’s is the usually the start of many worries. Often, this is the point in your life when you have a lot of questions to ask, a lot of insecurities, and a lot of doubts and confusions you didn’t bother thinking about when you were younger. If you still don’t have a job or if you are still not in a place where you want to be, your age will certainly make things even worse, especially when it comes to your finances. Consider using the following finance help tips below to weather financial difficulties in your 30’s better.
Get a good sense of your financial standing.
This is a basic step in improving your finances. You have to know how you are doing financially. Understand the situation you are in. If you are in a job that does not pay well enough, look for other employment opportunities or try to obtain additional qualifications that can get you promoted to higher ranks with better compensation. If you are a businessman and you don’t see increases in your earnings, consider expansion or try vertical ventures that are feasible. Don’t think that because you already have a job or a steadily earning business, you already have enough of what you need. Also, examine the financial obligations you need to attend to.
Track the earnings and expenses you incur over a period (monthly or yearly). You have to be conscious of how your cash flows. Of course, you should have more income than expenses. Breaking even is just never enough. You can’t really have a good sense of your financial standing unless you consciously look into it and see everything quantified.
It always helps having some budgeting skills. There are many free online budgeting tools that feature intuitive interfaces. You can pick one of these or install a budgeting app on your smartphone or tablet computer. They will always be handy in tracking your cash flows and learning how to prioritize expenses.
- Maximize your properties or resources while minimizing your debts. Look at the properties or assets you have. Are you making good use of them or are they just idle assets you are paying taxes for? If you have a tract of land, consider leasing it or developing it to generate additional income. Maintaining a car you don’t get to use often? Why not sell it to allocate money to more important concerns? You need to carefully see the values of what you have. Bear in mind that things you don’t use also come with maintenance or storage expenses. Some can even be taxed. Think like a businessman.
If you have several debts, make sure that you allocate funds to get them extinguished. Remember that the longer they remain, the bigger the interest expense becomes. Consider debt consolidation. If you can obtain a new loan with a lower overall cost of borrowing, avail of that loan to completely pay off smaller debts that actually have bigger interest rates.
- Save.Yes, this is one short word but it means a lot for those in their thirties. Even if you are earning well enough, you must consider putting some amount to savings. Avoid spending everything you earn. Even better, adjust your lifestyle to make sure that you get to have savings even when you don’t seem to be earning enough. There is no standard on the specific percentage of income that should go to savings. What matters is the act of developing the habit to save.
You save for a number of reasons. For one, you have to save for retirement. It also helps having savings so you can have some liquid asset to spare in times of emergencies. Likewise, when you encounter great investment opportunities, it’s always great having had some money set aside to fund meaningful acquisitions like the rock bottom priced houses or lots.
- Prepare for financial uncertainties.Personal finance, just like handling the financial matters of a business, is never certain. There will always be unpredictable factors to be encountered. Fortunately, there are ways to deal with these uncertainties. These ways are mainly through insurance plans. For a thirty-something head of the family, health insurance is a must. For someone who runs a business, there are insurance policies that must also be obtained to ensure protection against unexpected financial obligations arising from accidents, disasters, and other similar incidents.
These are just some basic personal finance help pointers worth knowing. However, they should provide enough guidance on how you can do better in managing your finances. It’s easy to learn the rest once you get well acquainted with the basics.