Be True To Your Finances

Money will never be enough. Whether you earn $100 or more there will always be room for more and more needs and wants in your life. Currently I earn twice as much as I used to earn two Years ago but my expenses are also twice as much. If you do not watch out on the trend you take with your needs and your income, you will get frustrated and think the problem is with money yet you are the one causing the problem.

I prayed for wisdom on how to spend wisely to avoid pitfalls and I got help. I have not reached the peak but so far I am very happy with the way I manage my finances. At this point in time I will give you tips on how to manage your needs and wants in regards to money and avoid going overboard. The secret is to live within your means and this is how

1. Write down your daily needs and wants that you spend on and divide the needs and wants into three categories; Daily, Weekly and Monthly

2. Beside each category write down the needs and wants and how much you spend on them. Be honest with yourself do not underestimate or overestimate, you have to be on point. If you over/under estimate you will not make it. Prices do not change within a short period of time so you will have to go to a grocery shop or supermarket to get the exact price of the commodity you buy daily, weekly or monthly.

3. Find totals for each category, for example, your daily category must be multiplied by thirty for you to know how much you spend in a month and the weekly budget by four. Add up your totals and see how much you spend.

4. If your budget exceeds what you earn, then you have to review your needs and wants and be disciplined enough to reduce your wants at this moment and check whether your needs may also be overboard. If you find that your needs are expensive, then you should find a place where the same needs can be bought less expensive, for example; instead of buying tomatoes or other raw vegetables and fruits from a supermarket try getting them from a local vendor. If the house you are staying in is eating up your money move to a descent less expensive apartment.

5. Stick to this budget and consult it regularly, go back and check whether you are on track or off track. Try this for just a month and you will see a very big positive difference and you will even manage to save money.

Weight Control And Your Longevity (1)

Weight control holds the key to longevity. You do not find overweight centenarians, do you? So, to live long, you need to lose weight, at least control it.

This week marked a milestone in the pharmaceutical industry: the launching of the first FDA-approved over-the-counter weight-loss drug – ALLI. It has already created a sensation in the media: a multi-million advertising campaign for a multi-billion drug for millions of consumers craving for a miracle drug that would stave off their craving for food.

This sensation created by ALLI goes to show how desperate consumers are in their search for the holy grail of a weight-loss drug. With the blessing from the FDA, many consumers seem to have the illusion that they can now continue their binge without adding weight – something akin to "no pain and no gain."

ALLI is no magic bullet. "This is not a pill, it's a plan," says Pat Barid, a registered dietitian and consultant for the drug manufacturer. Similarly, the drug is efficient in guiding and preparing you to lose weight gradually by eating smaller portions, following a reduced-calorie, low-fat diet, and becoming more physically active. If that is the scenario, then why do you need to take the drug? A drug is still a drug, which is a chemical – you do not take it unless you absolutely have to.

Ah, but you want to lose weight – and you want to eat to your heart content too !. In other words, you want to eat your cake and have it too. You can do that at the expense of gaining unwanted weight. It is not only a dilemma but also a frustration.

Focusing on losing weight is like running after a red herring – it is frustrating and futile.

Why?

The bathroom scale just indicates your body weight, and that that is all. It does not tell you how much fat or muscle you may have lost during a given diet. It may not even tell if you are healthy or not, unless you are grossly overweight. Therefore, do not become obsessed with your weight. After all, your body weight always fluctuates – which is a fact, and which is very normal.

When you go on any diet, your body's metabolism immediately starts to react and to slow down, and that accounts for the initial weight loss in any diet program – so do not be overjoyed and jump to the conclusion that it works. It is only a self-delusion: initially your body loses only water, not your body fat.

Given that lean muscle mass requires calories at times of rest, the amount of muscle you maintain directly affects your metabolism in a positive way. You burn calories while you sleep. In other words, the more muscle you have, the higher your metabolism rate is, and the more calories you will burn. The converse is also true: as you lose your muscle mass, your metabolism rate decreases, and so does your weight-loss rate. That explains why you would stop losing weight after have been on any weight-loss program. On the other hand, fat, being inert, has little or no effect whatever on your body's rate of metabolism. These are the fundamentals for better understanding of how weight loss occurs.

The maximum amount of weight (fat or muscle) you can actually lose in one day is about one half pound. Since your body is about 60 percent water and one gallon of water weighs approximately eight pounds, any additional weight loss greater than one half pound may only be water, and not your body fat. Therefore, when your body replaces the water lost, weight gain will re-occur, and you are right back to where you started at an unhealthy weight. Does that sound familiar to you?

Consider this: 3,500 calories equal one pound of your body weight.

Do your math: To lose 10 pounds, you have to expend 35,000 more calories than you consume; and to lose 10 pounds in two weeks, you need to burn 2,500 more calories a day. You know very well that it is not a piece of cake! That explains why you forever can not lose your weight, not to mention controlling it. So forget about weight loss!

Losing weight is forever "impossible" to many individuals because they have become obsessed with numbers. They are forever playing the losing game of numbers. They have to count their calories, their carbohydrates, and their proteins, among others. Profit-making diet plans allure them with numbers, both "hard" and "soft" data, to the land of myths and fallacies, where they end up only in frustration and disappointment.

Remember this simple factor: Weight loss occurs only when the calories you consume are less than the calories you use up. This is the most important factor in weight loss, also one most difficult to achieve. Trying to circumvent it with state of the art is nothing short of impossibility. That is why most weight-loss plans are always about counting calories: giving you a calorie chart, calculating your daily total calorie need, and then instructing you to eat less than that, hoping against hope that your weight will drop dramatically.

So how to lose weight without drugs? Read Part Two of this article.

Real Estate Property Values – Ranked High

Rob Norquist, a real estate agent admits that Newport Beach is as active as it used to be, with some good record sales. He also agrees with the fact that a property, should never be considered deprecated, and as a seller, you should never give up and use the low end price. It is true that, during a certain period of time, depending on the real estate market, client’s desire, real estate auctions, there may be moments when a property’s price drops, but not forever.

Other cities such as, Huntington Beach, Costa Mesa, Irvine or Mission Viejo – are considered among other 25 cities as being the ones with the best real estate property values, with average values of $680,000 and more. The national average value in 2007 was $194,300.

However, some property values are based on subjective answers from residents living in a certain home, so the given numbers , and real estate evaluation may be hanging on a wishful thinking instead of a real appreciation . This is where real estate auctions come in picture, to inform potential clients about the property, and the investment possibilities, giving them a clear image of the real estate’s worth.

Even though some buildings such as Orange County properties , dropped their values in 2007, but they recovered extremely well after. So this is another reason why as a seller, you should never fear if you observe a temporally value drop, because it is normal from time to time.

For instance, about 81% owners, sellers, agents, trusted in 2007 that their estate property values were over $1 million, against 75% in 2006. So things are for the best and it would appear that most of estate agents have finally understood what this business is really about. It takes a lot of patience and ability to maintain your property’s value among top ones on real estate market.

But Norquist, trusts that many Newport Beach arguments are near the mark, sustaining that this city has survived the “housing slump” better than other locations. However, the unexpected surprise attacked more on sales, which he admits that they are on a falling edge right now, but there is still hope for better times.

Newport Beach is very well known for its highest-valued real estate properties in the U.S., being a perfect place for real estate business . It’s location and proximity to the water, and the beach front view increase it’s real estate value considerably. Auctions in this area are very interesting and those who are interested in real estate business domain should never miss them. You can learn a lot on such events.

Experienced real estate agents or even friends will surely advise you that as a buyer you are very likely to come across many real estate properties in foreclosure having perhaps no equity,being over priced . In such moments, lenders sometimes choose to accept a smaller amount than the initial.So you get in the negotiations process. As a hint, when you realize the over pricing phenomenon, you have to understand that this happens when the real estate agent , or seller is aware of the real estate property’s value, and he tries his luck in a raising price. So watch out! The negotiation can become a difficult process especially when reasonable terms are not agreed by both sides: owner and buyer. Negotiations can occur privately or in public, where real estate auctions come in the picture. Of course, a real estate auction is safer and more trustful than a private one. Private negotiations occur especially when the agent is a close friend or relative to buyer’s, and because of the friendly environment some details regarding even the real estate transaction may be skipped. So in situations like this be careful.

Even as a friend, for a real estate agent , money comes first, and friendship after. Of course, during such a negotiation, there can be all sort of problems, such as mortgage value, real estate market, all sort of official formalities, conflict of interests in a particular area etc. Moreover, time a very important issue when real estate auctions are involved. As a general rule, and as an advise for a potential buyer, negotiation process should not be extended on a long period of time, because, as I said before, in time, real estate properties drop their values, and the client’s interest together with it. In this case, not only does the buyer loose, but the real estate agency as well. Why?Because if a property’s value drops, the price must drop as well, if you ever want to sell it again. In this case the under priced phenomenon appears. This is why short sales are preferred. Many Realtors, and clients started using this strategy, because they faced the problem regarding their property’s value.So they decided the selling process should not take too long.

Another important issue refers to the well known “acceleration clause” , which is an official word met in any mortgage document, meaning that the lender, after the real estate property is sold, can demand the payment of the remaining balance for the loan. Realtors can provide more information about this contractual right. If this clause is good or bad for a real estate transaction, it is hard to say, because it has its advantages and disadvantages. Buying a real estate property which has already a mortgage loan represents a pretty raised risk. Why? Because first of all, if the mortgage loan was contracted for many years, depending on the interest’s rate, and marketplace evolution, you may come to pay the house’s price 3 times more. However, if you have experience in monitoring the market place, and find a right moment when every interest’s value drops, you could go for it. It’s kind of a gambling in this business, and Realtors, or individual real estate agents know it best.

Realtors and real estate agents are here on the real estate market, to help clients understand how they can value their houses, what should they look for when trying to sell or buy a house, how to negotiate, and how to win a real estate transaction. Some may say that buying or selling a real estate property is easy, but the fact is that pricing a house is a very difficult process. Many real estate agents, brokers, have suffered many defeats before their first good business, so do not expect their job to be an easy one.

Unfortunately, a concerning price and sales gains of these past years have determined in many cases quitting the real estate business. Many real estate agents who have seen the future preferred to do something else than real estate business. The credit market is also in a critical position, as many Realtors have observed. Mortgage values are also a result of real estate market position right now. Real estate investors have diminished their participation number to real estate auctions, as a sign they have seen it too.

Using Quotes To Compare Home Insurance Policies

Life is known for being unpredictable. As any experienced person would be more than ready to tell you, it is this unpredictability that is the cause of all types of happiness and sadness in a person's life. For example, a really dark side of this unpredictability is when it brings forth an accident which ends up damaging your house significantly. This would not only result in your sacred abode getting ruined but also lead to your future financial capabilities being damaged substantively.

However, you can http:\\/\\/funtruckingcominfo.gaify the majority of adverse impacts of these kinds of unpredictable accidents simply by insuring your home. An insurance policy that is designed to protect you from the financial implications of your home getting damaged would be perfect to sidestep the adverse impacts of such situations. There are primarily three different types, with one special category, of these policies that you can buy.

The first type is the buildings only policy which is designed to protect the structure of the house and not the contents inside. The second type is the contents only policies which are the opposite of buildings only policies. These policies just focus on the contents inside your home and not the structure. As is obvious, while the former is good for landlords, the latter is better suited for tenants. However, if you own the house that you are staying in then you will need a policy that provides protection for both the building and the contents of the home. Here, you will need the third variant ie the comprehensive cover policy. A typical comprehensive policy would include things such as protection for the structure of your home, cover for your belongings inside, up to an agreed amount and a variety of other things like outbuildings cover, specific valued item cover, moveable bearings cover etc. The special category of policies includes highly customisable policies which can be taken out for special situations.

Buying such types of policies used to be a major problem in the earlier years because it would mean multiple meetings with the insurance representatives and complicated paperwork. Furthermore, if you were buying such policies a few years back then you would also have to deal with the uncertainty that maybe you did not buy the best policy in the market because you would not be able to compare multiple options. In contrast, online providers with the help of their home insurance quotes modules have made it extremely easy for the end user ie you to buy these policies. All you have to do is provide the online provider with the right information and you would receive semi-formal offers from them in the form of home insurance quotes. You can, rarely, go about comparing these offers from different online providers and pick out the one that meets your needs the most.

The advantage of doing this is a lot more than just getting the best policy. As a matter of fact, you would not only get the best insurance product but would also get it for affordable rates. Making sure that you are getting cheap home insurance policies is one of the qualities of online providers that really sets them apart from other sources.