5/14/2019 0 Comments
The recent announcement of increased tariffs on Chinese goods will increase the price for thousands of consumer goods that are purchased every day. Here is a very abbreviated list:
On The List
Not On The List
It is not just how much money you make; it's how much you keep that makes the difference in your life.
Getting the most for your money is one way to do that. Making the right buying decision is an important skill to master. And a great habit to develop. Here's a way to do that:
Comparison shop everything, all the time, not just the "big items." To do that successfully you must be able to compare prices on your most frequently purchased items. To do so, you must use Unit Pricing. You can compare “apples to apples” with the Unit Price. Here is how to know and evaluate the unit price:
Everyone can have a great credit score (750+.) How long it takes depends on from where you start. It will take a person with a 450 score longer than a person with 620. And both longer compared to a 720 score. But it can be done. The journey of 1,000 miles begins with the first step. Here are 2 steps to having a great credit score.
Step One STOP putting BAD news on your credit report.
If you do nothing, your credit will clean itself up in 7 years. The Fair Credit Reporting Act (FCRA) requires that.
Step Two Put some good news on your credit report. Gotta Do It!
Current positive tradelines on your credit report have a greater impact on improving your credit score than older negative ones. They will improve your score faster and easier than just doing Step One alone. Here are some ways to put positive tradelines on your credit report.
There may come a time in a relationship, as things get more serious, the question, “what is your number?” may be asked. Of course, that question is normally only asked or answered in a serious relationship.
So assume, the relationship is serious enough to provide an answer. There is a decision to be made on how to answer. Self-inflicted shame and guilt may tempt you to be other than honest. What kind of number is acceptable for your partner?
Does your behavior contradict or affirm your goals/beliefs? Are you worried what your number says about how you behave and what you believe.
If you are going to answer, you should answer the question honestly. You should have answered it for yourself, honestly, by now. By the way, if you can’t answer honestly; you are not serious about the relationship and self-deceived.
So how should you answer the question, “What's your number?”
Get your mind out off your crotch, for minute. I’m not talking about sex but rather money.
I'm talking about your savings number. Your debt number. Your income number.
Just as it is important to know your partner’s sexual behavior, likewise for money behaviors. STDs are real. Avoid STDs, sexually transmitted debt. Know your risk factors and resources.
If you are serious, here are some numbers you need to understand about your partner. Some may be deal breakers. Maybe it’s time to be tested.