Tuesday, July 16, 2019
Money

Money Problems Got You Stressed? Go Get a Financial Pizza!

I was writing this article on my laptop when my nine-year old came into the room and asked what I was working on. I barely looked up and grumpily muttered that I was writing an article on finding Financial Peace. He happily responded “Great Dad I want some Financial Pizza too!” I immediately realized that now, like so many times in my life, I was distracting myself from the very thing I was seeking. To honor the wisdom of my son and all the pint-sized geniuses that bless our world each day this article is published as Financial Pizza.

I was fully ready to educate you on the wisdom of making more, spending less and wisely investing for cash flow so you could reach some magical number that allowed you to sit on the beach, drink Margarita’s, never again worry about money and fully explore and share financial peace with the important people in your life. “You just have to be in it for the long haul,” “Nose to the grindstone,” “stay the course,” and “save for a rainy day”. That’s all a load of crap. If you do not have financial peace today regardless of your income, assets and social status, there is no amount or secret formula that will help you!

It is simply impossible to find outside of ourselves anything that does not already exist on the inside. My life has been an endless quest for more; more money, more power, more love all while desperately hoping to finally experience peace by reaching the mysterious goal of enough. I have finally realized enough and more cannot coexist no matter how many people buy into and share the delusion.

Shortly after the Pizza discussion my wife and I were babysitting our 5 month old grand-daughter. She is our first and only grandchild and lights up the room with her presence. I sat gently rocking her and giving her the last bottle before bedtime. As I looked into her eyes and watched as she drifted off to sleep I could feel her peace and contentment. How long till she took her place on the treadmill of life and started framing her happiness in terms of “when”, “if only” and “someday”. When did I officially decide financial peace was a destination with a ticket that could only be paid for in cash? When did you?

I know you are probably thinking this whole conversation is well and good for people with lots of money but you have bills to pay, kids to care for, and the local economy is a real mess. Someday when you get caught up, the kids are a little older, save a few bucks or have a little extra time to think about this financial peace stuff… Sound familiar? Yeah, me too, we can’t get back those anxious moments spent in fear, doubt and worry. Fear, doubt or worry cannot exist in the present and serve as a warning we are focusing our attention …

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Finance Companies

Be Mindful Of Secret Rates That Companies Will Certainly Tack On

When handling the business world, you have to understand that there are numerous undisclosed charges that business will certainly charge. It is an instead shady technique, as well as you need to ensure that you’re aware of everything within the phrases as well as ailments of any kind of packages you have with companies. These rates could be avoided if you remain top of your game.

Make sure you’re aware that debit card providers enjoy the concealed fees. Did you make a late repayment, or did you go over your credit limit? At times it’s challenging to recognize when either of these take place, as well as this is just the suggestion of the iceberg. Make certain that you are evaluating all of your statements to make sure that you are not being overcharged.

There are lots of financial fees that are assessed for certain causes. You could have that free of cost checking account, but beware of concealed costs for particular bank procedures. Beware of 3rd celebration fees that could reveal up from time to time as well as additionally scams. Make sure you constantly look closely at your bank statements each month, as well as match them to your very own records.

Do you have a brokerage bank account? The costs for various brokerages differ typically, so ensure you explore the charges for which brokerage you choose in advance of time. You need to know what you’re up against, and you need to explore everything.

There are particular fees for governmental solutions that you may not recognize prior to its too late. Not to mention, you desire to check for typical problems. The fees are occasionally rather hefty, so be sure that you’re looking into this as you go along.

Are you evaluating your utility expenses each month? Occasionally you can easily find extra fees on your power invoices where you’re twice billed or there are extra costs. Make sure you view your bill each month to make sure this really isn’t occurring.

Cellular phone business are actually poor regarding extra fees and also concealing them. They will definitely add them in there with different info, covering them up with pages upon pages of other things. With today’s internet billing, this is much easier to do and eliminates the paper price. You need to look completely via your cell phone bill each month to make sure that you are mindful of any kind of unknown charges.

Make sure you know the costs that are on your insurance as well as exactly what they indicate. There are lots of various types of insurance coverage, and there are lots of different types of companies. Each business handles their plans differently. Not to discuss, there are various standards, so you have to ensure you have all the things you need, as well as not anything you do not would like. Make sure you are remarkably used to your insurance coverage plans as well as what you’re being charged.

Numerous …

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Business News

Exploratory Clinical Trials for Small Business Grant Program

The National Institutes of Health, more typically called NIH, is a government agency operating in the United States Department of Health and Human Services that is basically accountable for ensuring and supporting all the nation’s biomedical and health-related research studies.

The grants and programs of the NIH are all designed to contribute to the realization of its overall agency mission which is to”seek fundamental knowledge about the nature and behavior of living systems and the application of that information to improve health, lengthen life, and cut back the burdens of sickness and disability.”

In accordance with this mission, the National Institutes of Health has formed a collaboration with the National Institute of Neurological Disorders and Stroke (NINDS) to develop the Exploratory Clinical Trials for Small Business Grant Program whereby they aim to build a vehicle for Small Business Concerns (SBCs) in the process of submitting Small Business Technology Transfer (STTR) grant applications for exploratory clinical trials directly to the NINDS.

The NIH and NINDS have stipulated that the trials and research studies that will be funded under this programme are those that are concentrating on products that are associated to the goals and missions of the NINDS, such as an analysis of drugs, biologics, devices, or diagnostics, and even surgical, behaviour or rehabilitation treatments.

Fundamentally, the Exploratory Clinical Trials for Small Business Grant Program has been established to help diminish or eradicate the burden that’s experienced by people who are afflicted with neurological defects.

That said, the NINDS seeks to provide support to small businesses in their quest to develop emerging technologies that will potentially be of use to the objective in focus.

The examples of the types of studies that’ll be supported under this programme are those that aim to:

a) Evaluate and optimize the dose, formulation, safety, tolerability/pharmacokinetics of a certain intervention or diagnostic test in healthy volunteers or the target population

b) Potential clinical verification of a diagnosis

c) Asses whether or not an intervention produces enough proof of short term activity in a human”proof of concept” trial

d) Decide the best of several potential interventions or dosing programmes that’ll be evaluated in a subsequent trial, based primarily on tolerability, biological activity, or initial clinical efficiency.

The NIH and NINDS are ready to administer a funding amount of $750,000 per grant awardee to support the execution of this programme.

The establishments and organizations who will be considered eligible to submit an application under this program are those Small Business Concerns that meet the following criteria:

a) SBCs that are generally organized for profit and is found and operating in the United States, and makes a substantial contribution to the U. S. economy through payment of taxes or use of American products, materials or labor;

b) SBCs that are in the legal form of an individual proprietorship, partnership, limited liability firm, enterprise, joint venture, association, trust or cooperative;

c) SBCs that do not have more than 500 workers

d) SBSs that are at least 51% owned …

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Business Finance

Want to Get Out of Credit Card Debt? Use the Debt Elimination Services

Want to Get Out of Credit Card Debt? Use the Debt Elimination Services
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There are many instances in one’s life when payment of credit card bills become impossible, let alone difficult. As the standard of life is changing for the better and more things are available for cheaper prices, the number of people falling prey to credit card debt are constantly increasing. In order to eliminate the debt of credit card a number of debt elimination services are available at your disposal.

The option of filing for bankruptcy should be used last when dealing with debt consolidation. When you file for bankruptcy, you not only come into the eyes of a number of people, but also destroy your credit record.

A bad credit record is carried over each time you want to try something new including starting a new business. Similarly, when it comes to filing for loan applications, you will find that your bad credit card record will speak volumes during the application and most financier will feel reluctant in helping you with your debt problems. Having a bad credit even threatens a good job prospect too.

If you want to deal with credit card debt elimination services, you will have get an advice from professionals of debt management agencies. The councilors hired by these agencies primarily provide help and guidance in one of the two ways.

Firstly, you can discuss and negotiate a middle ground with your credit facilitator. This effectively means that the councilor from the debt management facility holds a meeting with the creditors and try to convince them in bringing down the total amount due on you. Lesser amount payable means an easier paying plan for you.

Additionally, the debt elimination facilitator may also bring the discussion to decrease the interest rates. This is effective when your debt credit spans over months of payments marred by significant interest rates. One way of getting out of debt is not the linger on the interest rate and simply concentrate on the principle amount to be paid. Alternatively, your councilor can discuss on your behalf to have the debt paid as a lump sum in some future date.

Even though a number of options have been mentioned, be wary of the fact that there are many debt elimination agencies. The change must be brought from within and you need to fix your expenditure and limit your costs first before a change can be expected. If your spending do not decline, your credit will keep going down the slope. A radical change, yet effective change on your part would be to get rid of the credit card altogether.

For users of multiple credit cards, cancel extra cards immediately and be left with just one. The more credit cards you will have, the deeper you will sink in debt. Try to get out of debt by decreasing the credit cards you own and use, if complete elimination is not possible.

When you are under debt, you are also under stress. Do not let this pressure coerce you taking the easy way …

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Finance News

Recognizing Symptoms of Finance Stress and How to Deal With Them

Contrary to popular misconception, money isn’t always the easy way out to everything. In fact, it can be a major cause of great anxiety and stress in one’s life. People who have been accustomed to their money troubles may deny that they are actually experiencing finance stress, which is a real and gnawing issue that may eventually take a toll on their health and even their sanity. World-wide recession, slimmer job opportunities, steeper prices of commodities, and mortgage crises, among other things, can contribute greatly to finance stress. This article presents the most common symptoms of finance stress, and how to cope with each of them before you drown in them.

Bad budgeting decisions:

For some reason, people with finance stress make the most impulsive decisions on where to spend the last of their money. Then their finances are gone before they even realize it. The first step to targeting finance stress is actually awareness of supply and demand. How much money are you actually making? How much money do you actually need? To answer this question accurately, you will need to prioritize. But what do you put on top of the list? According to Maslow’s hierarchy of needs, prioritize basic needs first – food and shelter. Put needs first before wants. And if buying something can be deferred without consequences, don’t buy it yet. Finally, never exhaust your resources. The rule of thumb of budgeting is: never spend more than what you actually make.

Avoiding insistent debt collectors:

Credit card and loan collectors will bug you everyday, and you hide in the dark to avoid them, but you’re actually only prolonging your agony. These collectors may seem ruthless, but there’s also something called an amicable settlement, where you agree to pay off debts based on what you can afford to give out on an agreed time frame. This may mean more interest, but it’s better than watching your debts rise while you’re doing nothing about them.

Paying debts with debts:

This is one of the most common symptoms of financial instability. Getting a loan to pay for other loans will only cause you to drown in heaps and heaps of debts, and that’s not a good thing at all. Follow the tip on avoiding insistent debt collectors.

Constantly looking for extra income:

There’s really nothing wrong with a job on the side except when it takes a toll on your health and personal relationships (i.e. you fall ill from not sleeping enough, or you disappoint your kids by not making it to their school presentations due to work). If you are looking for extra cash, go for freelancing. These allow you to maximize your free time without sacrificing the time you deserve for yourself and your loved ones.

Buying lottery tickets:

Desperation is the ultimate sign of finance stress. Do not make it a habit to rely on luck for financial reward. You are only spending hard-earned money without a guarantee of getting it back. Betting and …

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