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Author Archives: Glasses or Contacts

Three Easy Ways to Get Money in a Hurry

When an emergency arises and you need money in a hurry, it can be hard to know what to do to get the cash that you need. Getting a traditional loan from a bank takes time, and it can be hard to get approved for the loan if you do not have a great credit rating. Fortunately, there are things that you can do to get the money you need quickly and easily. The following guide walks you through a few things that you can do to get money in a hurry. Sell an Old Car that You No Longer Use There are companies that will buy an old car from you and give you cash on site for it. Find someone nearby who will give you a good deal. For example, if you want to sell a car for cash in Salt Lake City, it is important to be sure that you are willing to part with it forever before selling it. Once it is sold, you will not be able to get it back. Companies that buy older cars often don’t require you to bring the car to them. They will send an associate to your home to ...

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Two Strategies that Professionals Can Adopt to Avoid Living From Paycheck to Paycheck

Many people now seem to believe that going to college, getting good grades, and securing a good job doesn’t necessarily translate into a life of financial freedom. Far too many professionals with good jobs are struggling with their finances and living paycheck to paycheck. In fact, you’ll be surprised that many professionals earning more than $250,000 actually struggling to get by financially. To start with, we need to acknowledge the basic expenses of food, shelter, clothing and taxes, which must be paid. The effective tax rate for someone earning $250,000 per annum is between 30% and 40%; hence, the actual take home pay for professionals is much lower than what is written on paper. Professionals need a room over their heads – we can realistically assume a mortgage of a house worth $1M at a 20% down payment and 4% interest rate. The USDA notes that it costs about $1,100 per month – multiplied by 12 months to feed a family of 4 as at June 2017. If we go ahead to factor other expenses such as student loan repayments, auto loans, private school for the kids, clothing, entertainment, and pets – the $250,000 per annum earnings doesn’t seem to ...

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Sleep and Health

Getting adequate sleep can make you feel good, but it is important for reasons that go beyond taking those bags under your eyes away or making you feel better. Getting enough sleep is actually a critical element for a lifestyle that is healthy and can have great benefits to things like your emotional well-being, your weight, heart, and more. Memory Believe it or not, your brain is actually quite busy when you sleep. While you are sleeping, your brain helps to strengthen your memories, and can even practice things that you learned during the day while you weren’t sleeping. This process is known as consolidation. When you try to learn new activities, either physical or mental, you can learn it up to a point with practice alone. When you sleep though, something happens that makes you remember it better. If you want to be able to help your brain function, a good mattress, like you can get from Bedding Mart locations, can really help with the good night’s sleep that is needed for this critical process.  They carry many brands of mattresses that promote good sleeping habits. Weight If you happen to be considering trying to shed a few pounds, ...

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How To Get Good At Online Marketing 

If you’re someone who longs for freedom from the tyranny of the 9-5 workplace, who is underpaid and overworked, and who wakes up with a sinking feeling every Monday morning after a wonderful weekend, then you have probably dreamed about starting your own online marketing business. Unfortunately, if you don’t know how to build a website, can’t figure out how to develop your own product, and just cringe at the thought of self-promotion, you probably figure you don’t have a chance. Well, this is far from the truth. In order to build an online business, you actually don’t have to come up with an original business idea, acquire a variety of technical skills, or start with deep pockets. The golden ticket you’re looking for does exist, and it’s a viable business model that has helped people break free of their regular jobs. We’re talking about affiliate marketing, a business where you let other people do all the heavy lifting – coming up with a profitable idea and building a website to sell a hot product. The way this business model works is quite simple—you earn a commission for recommending a merchant’s products. Obviously, you need to know how to market their ...

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Starting to Invest? What You Need to Know

When you are young, retirement seems a long way off. When people tell you that you need to save for those years, it’s easy to ignore the advice. After all, you do not have much money to start with, and you need to be able to live today. Why think about tomorrow? The truth is that you are not going to be able to rely on social security to help you out in the future. For many years more has been paid out in social security to retirees than has been acquired through taxation. A back up of reserves had been built up to cope with the increased demand, but this is due to run out by 2033. The simple truth is that if you want to be able to survive in retirement, you need to start investing now. But, how do you do it? Starting with the safe option If you are one of those people to whom saving and investing has been an alien concept, you may want to start by at least saving some of your income in a savings account. Dealing with a bank can seem like a less scary option than negotiating the world of ...

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