The Budget – The Ultimate Financial Management Tool

A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether.

Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.

Not very smart of us, is it?

A money plan is called a budget and it is crucial to get us to our desired financial goals.

Without a plan we will drift without direction and end up marooned on a distant financial reef.

If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.

Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.

A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.

Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. Just use any search engine you choose and type in “free budget forms”.

You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.

Tips to Check and Improve Your Credit Score

You're in your home watching your favorite television show. Since you're enjoying it too much, you run out of snacks. So you put on a jacket, and scramble your way outdoors to go to the nearest store. When suddenly you stop and walk your way back towards your house. What could be the reason behind this?

Well, it's quite simple. You can't proceed to the store because you haven't paid your debt. If you're always like this, there is a big chance that you can't handle bigger debts. And with the overabundance of people incurring debts everyday, they are looking for quick and easy ways to improve their credit scores.

Credit scores helps in building a good credit history, so if you constantly leave your bills unpaid, and don’t take your credit transactions seriously, your credit score will eventually go down.

If you have credit, you must be responsible enough to repay what you owe, otherwise this will reflect in your credit report. Suppose now you have a low credit score; its time that you start improving or cleaning it up little by little. How will you do it? Consider the following tips:

1. Review your credit report on an annual basis. There are three credit-reporting agencies, so you must get a copy of your credit report from each agency. Check for any mistakes, and if you do find some, you must have it corrected. This will usually take about three months before the change can take effect. If you are planning to apply for a loan, you must do this ahead of time.

2. Start paying all your dues on time, and if you can afford it, always pay the bill in full. Don’t leave balances because this will greatly help in improving your score.

3. If you have a credit card, you may want to start paying your remaining balance until you've reached about 25% of the credit limit.

4. Credit insuring is important if you want to purchase a car. Having a car nowadays is important especially if you need to travel every now and then. Car dealers can help in arranging your finances. This is called repossession insurance. Though it can be expensive, it is one way to improve your credit score and secure vehicle loan.

5. Start applying for account overdraft if you have a checking account. This means that you can issue a check more than what you actually have in your checking account without getting extra charges. The excess amount will be reflected in your monthly bill. Banks report to credit agencies, so make sure that you pay your debt on time to have your credit score improved.

6. Join clubs which charges annual fees and those that report to credit bureaus. Just make sure that you meet all the club's requirements. Some clubs arrange for financing, and if you receive credit, pay your debt on time. This is also one way to improve your credit score.

If you follow the tips mentioned, you're on your way to repairing your credit report. Your credit score is your only way to getting finance on credit, so make sure that once you've improved it, stay on the right track and avoid getting bad debt again.

Maintaining a high credit score entails great responsibility and discipline. Start now, while you still have room for improvement.

Free Your Mind and Check Your Credit Scores Online

When people hear that some items are sold for credit, they would leap for any opportunity that will come their way. It's not surprising to note that there are a lot of people who do not have enough cash on hand to handle all their expenses. And getting them on credit is the best possible way.

But it should not just end there; you have to know that when you get things on credit, you have the responsibility to repay what you've purchased, only it is at a later time like the end of the month. The lender expects that you make payments on a specific date, which you should not forget or overlook. Otherwise, you will be marked as a person with a bad credit reputation.

With how things are going now, credit is the best option for almost anybody, so you should exert more efforts to maintain a good credit reputation if you want your credit applications approved.

Once you've started to build your credit history, you must see to it that you maintain a high credit score. This will be of great use when you apply for loans, mortgage, credit cards, and other credit transactions.

There are three agencies responsible for gathering people's credit reports. Most establishments offering credit transactions rely on these agencies for credit reports of different people. So you have to make sure that you're building a good report, and not a bad one.

All of us are just human beings that constantly make mistakes, but it is not a valid excuse for not paying your dues on time. For those who already have a bad credit reputation, you can re-establish it through credit repair. And it is equally important to keep track of your credit scores contained in your credit report, at least on an annual basis.

It is not that difficult nowadays to keep track of your credit report. In fact, there are now services online which offer free credit score information directly from the three credit reporting agencies or bureaus.

The Internet is a great tool to obtain credit information. If you have an Internet connection, you don’t need to go to physical offices of these credit agencies just to check your credit report.

TransUnion, Experian, and Equifax are the three major credit reporting bureaus/agencies responsible for gathering your credit information. Different websites have different offers. You can find sites which offers a free copy of your credit score. The credit scores are simple to understand, and some even provides detailed explanations to help you in understanding your credit score better.

Getting a copy of your credit report online is the most accessible way; and it is delivered to you quickly, securely, and safely. With the Internet, you can have access to your credit report and credit score twenty-four hours a day.

Get a copy of all your credit reports in the three agencies for not more than forty dollars. Though it might cost a little, it helps a lot in keeping track of your credit standing especially if you need to make a loan in the future. Aside from that, you can easily see and check if there are mistakes in your credit report, so you can report it to the agency fast and easy.

Credit scores are important, and it's just like getting a high grade when you were still studying.

Different Types of Stock

The different types of stock are what confuse most first time investors. That confusion causes people to turn away from the stock market altogether, or to make unwise investments. If you are going to play the stock market, you must know what types of stock are available and what it all means!

Common Stock is a term that you will hear quite often. Anyone can purchase common stock, regardless of age, income, age, or financial standing. Common stock is essentially part ownership in the business you are investing in. As the company grows and earns money, the value of your stock rises. On the other hand, if the company does poorly or goes bankrupt, the value of your stock falls. Common stock holders do not participate in the day to day operations of a business, but they do have the power to elect the board of directors.

Along with common stock, there are also different classes of stock. The different classes of stock in one company are often called Class A and Class B. The first class, class A, essentially gives the stock owner more votes per share of stock than the owners of class B stock. The ability to create different classes of stock in a corporation has existed since 1987. Many investors avoid stock that has more than one class, and stocks that have more than one class are not called common stock.

The most upscale type of stock is of course Preferred Stock. Preferred stock isn’t exactly a stock. It is a mix of a stock and a bond. The owner’s of preferred stock can lay claim to the assets of the company in the case of bankruptcy, and preferred stock holders get the proceeds of the profits from a company before the common stock owners. If you think that you may prefer this preferred stock, be aware that the company typically has the right to buy the stock back from the stock owner and stop paying dividends.

Long Term Investments for the Future

If you are ready to invest money for a future event, such as retirement or a child’s college education, you have several options. You do not have to invest in risky stocks or ventures. You can easily invest your money in ways that are very safe, which will show a decent return over a long period of time.

First consider bonds. There are various types of bonds that you can purchase. Bond’s are similar to Certificates of Deposit. Instead of being issued by banks, however, bonds are issued by the Government. Depending on the type of bonds that you buy, your initial investment may double over a specific period of time.

Mutual funds are also relatively safe. Mutual funds exist when a group of investors put their money together to buy stocks, bonds, or other investments. A fund manager typically decides how the money will be invested. All you need to do is find a reputable, qualified broker who handles mutual funds, and he or she will invest your money, along with other client’s money. Mutual funds are a bit riskier than bonds.

Stocks are another vehicle for long term investments. Shares of stocks are essentially shares of ownership in the company you are investing in. When the company does well financially, the value of your stock rises. However, if a company is doing poorly, your stock value drops. Stocks, of course, are even riskier than Mutual funds. Even though there is a greater amount of risk, you can still purchase stock in sound companies, such as G & E Electric, and sleep at night knowing that your money is relatively safe.

The important thing is to do your research before investing your money for long term gain. When purchasing stocks you should choose stocks that are well established. When you look for a mutual fund to invest in, choose a broker that is well established and has a proven track record. If you aren’t quite ready to take the risks involved with mutual funds or stocks, at the very least invest in bonds that are guaranteed by the Government.

PELUANG BISNIS JUALAN PULSA MURAH

PELUANG BISNIS JUALAN PULSA ELEKTRIK
Dicari Downline untuk berjualan pulsa elektrik untuk wilayah se-Indonesia. Sayaratnya mudah dengan harga dasar pulsa yang murah.
Keunggulan :
1. Transaksi 24 jam online.
2. Bisa digunakan sebagai usaha sampingan tanpa harus buka counter.
3. Modal kecil, cukup Rp 75.000,00 sudah punya bisnis sendiri.
4. Tidak memerlukan chift khusus sehingga tidak harus ganti nomor.
5. Harga dasar pulsa murah.
6. Apapun nomor yang digunakan bisa didaftarkan.
7. Sistem transaksi sederhana.
8. Satu nomor untuk pengisian pulsa semua operator.
9. Bisa melakukan pengisian pulsa dengan nomor yang sama dan nominal yang sama dalam jangka waktu 1 X 24 Jam dengan menggunakan kode RO.
Syarat :
1. Memiliki HP dengan nomor yang sudah diaktifkan.
Cara Pendaftaran :
1. Ketik SMS : GDAFTAR.NOHP.NAMA_CELL.NAMA_KOTA.
Contoh : GDAFTAR.085612345678.DINO_CELL.KALIMANTAN. (Kirim ke 085228677079)
2. Anda akan mendapat balasan SMS yang terdiri dari ID dan PIN standar yang berbunyi :
SELAMAT BERGABUNG DI GODZILLA REFILL MASTER. NO ID ANDA GDZ12345 (contoh) DAN PIN ANDA 1234 (Contoh) SEGERA GANTI NOMOR PIN ANDA.
Catatan : Harap selalu diingat no ID dan no PIN.
3. Segera ganti nomor PIN Anda. Caranya bisa Anda lihat di bagian Kode Produk dan Daftar Harga.
4. Untuk pengisian saldo awal, transfer sejumlah Rp 75.000,- (tujuh puluh lima ribu rupiah) ke no rekening bank mandiri cabang UGM yogyakarta 1370004718132 a.n. Agung Tri Wibowo.
5. Anda akan segera mendapatkan saldo sebesar Rp 75.000,- (tujuh puluh lima ribu rupiah) dan bisa segera Anda gunakan untuk berjualan.
6. Anda juga bisa mencari dan mendaftarkan downline Anda sendiri dengan menentukan sendiri besaran keuntungan yang Anda inginkan dari per transaksi yang dilakukan oleh downline Anda nantinya. Caranya bisa Anda tanyakan ke CALL CENTER melalui sms setelah Anda mendaftar.
7. Untuk penambahan deposit selanjutnya bisa Anda lihat di Kode Produk dan Daftar Harga.
KODE PRODUK DAN DAFTAR HARGA, klik di sini
“Bisnis ini adalah bisnis usaha sampingan yang bisa Anda lakukan di luar kesibukan Anda”
SELAMAT BERGABUNG, BUKTIKAN SENDIRI KEMUDAHAN SISTEM TRANSAKSI KAMI DENGAN KEUNTUNGAN YANG BERLIPAT…!!!

Why Cancer Acts As it Does

It is not known why cancer acts as it does. Normal cells and cancer cells both possess the properties of unlimited growth if allowed to live and grow in culture mediums outside the body if these cells are transplanted back into the body from which they came, normal cells immediately become obedient to the laws of the body; but cancer cells continue to be outlaws.

It is not yet known precisely what produces cancer. It is believed by many, however, that cancer is a diseased condition produced by a virus. But it is also altogether probable that cancer results from no single cause and the conditions that are responsible for it in one organ or tissue may have no relation to the factors that are responsible for it in another. The factors which start a cancer may be removed but the cells keep on with their rapid disarranged growth even though the causal factor has been eliminated. These are thought by many to be only inciting agents which if introduced into precisely the right circumstances or conditions can start disturbances within the cells and thereby alter their natural development and their relationship to neighbouring cells and to the cell community. This disorganization is transmitted to succeeding generations of cells. Something has happened to the cell which influences its chemistry, its physiology and its hereditary qualities.

The heredity of the individual may be a predisposing factor toward cancer. But cancer itself is not inherited. The possible relationship, however, behoves those with cancerous ancestry to be watchful and to protect the health at all points. Periodic examinations are most important especially after the age of forty.

Author Promoted Sites Natural Cures & Ebook Shop

Article Source: http://EzineArticles.com/?expert=Shan_Silva

How the Heart Operates

By Shan Silva

No other organ of the body is as wonderful as the heart. It begins beating before birth and continues without interruption for "three score years and ten" and even longer in many cases. It cannot rest for longer than a fraction of a second at anyone time, for if it were to rest for an unbroken period of even three minutes the individual concerned would lose his mental powers; a little longer and the person would die.

Because the heart is the "vital organ" and also because of many vague and erroneous ideas held about it, a study of its anatomy and functions and a brief survey of diseases that affect it will be profitable and interesting.

There are four chambers in the heart, two above and two below. The upper right chamber receives the impure blood returning from the body through the inferior and superior vena cava. The contraction of the auricle forces the blood to the lower chamber (right ventricle) which in turn sends the blood into the lungs.

Returning from the lungs through four vessels leading directly into the left auricle it goes to the left ventricle below and is forced into the aorta and on through the body. In the wall of the right auricle is an area which sends out the impulse for the auricles to contract. This impulse extends in a circular direction through both auricles. When it reaches the septum or the dividing wall of the lower chambers (ventricles) it contacts what is known as the "Bundle of His." This transmits a signal to the lower chambers (ventricles) to stimulate their contraction. The signal is so precisely timed that the contraction of the ventricles follows that of the auricles just enough later that the blood in the auricles is forced into the ventricles to fill them before the ventricles contract. Both auricles contract at the same time. Both ventricles contract a fraction of a second later.

After this, stimulation to contract is suspended for an instant, during which period the heart rests, thus getting its rest piecemeal instead of in long stretches as other muscles do. The circulation of the blood in the heart muscle itself comes from the aorta and flows through two arteries called the anterior and the posterior coronaries.

Occasionally infants are born with deformities of the heart that do not allow the blood to circulate properly. The result is a lack of oxygen carried to the tissues, from which fact the term "blue babies" has evolved. Most of these babies die early but some of them can be cured by surgery.

If a baby's heart at birth is normal there is no need to worry about its functioning properly. It will do its work without special attention till the degenerative process of old age sets in. The only exception to this rule is in cases where an infection such as syphilis, diphtheria or rheumatic fever disables the heart. Of all such possibilities the latter is by far the most common. A person born with a good heart will rarely have any trouble with it before the declining years of life unless he contracts one of the above-named diseases.

Author Promoted Sites Natural Cures & Ebook Shop

Article Source: http://EzineArticles.com/?expert=Shan_Silva

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Save & Protect your PENDRIVE from Conficker

You might hear about the latest computer virus Conficker (aka Downup, Downadup and Kido. If infected it disables many system services like computer Automatic Update, normally difficult to find out), which is widely propagating through networks and USB drives. One of the main causes of virus infection is careless use of pen drives (USB sticks). Because of its auto run feature, virus can easily get in to your system. Here is a freeware zero-configuration program –Ninja designed to protect computers from virus infection through USB pen disks.

Simply download (679Kb) and run it. It sits quietly in the system tray. Whenever a USB pen disk is inserted on the computer, ninja will examine it to uncover the commonly malicious or virulent files known as "autorun.inf" and "ctfmon.exe" amongst many others.

Besides removing known virulent files, this tool will also immunize your pen disk and create a folder called autorun.inf with special protection permissions to protect your pen disk from being infected again when plugged on contaminated computers.

Ninja is fully portable, self-contained and requires no installation and works for Windows XP and Windows Vista.

If you want to run it automatically on Windows start up, right click on the Ninja icon on task bar and click on ‘Add to startup’, so that you need not run it every time you start windows.
Waiting for a pendisk to be inserted

Screenshots
getting started image

After cleaning a pendisk

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