Friday, January 30, 2015

Save Money By Cleaning Your Home

Hoarding is a compulsive disorder in which people buy and hold on to things until they barely have space in their home to move freely.  Whether you are a hoarder or just a person that buys a bit much cleaning your home regularly can save you lots of money.  When you start buying things to the point where you lose track of what you own you risk overspending by purchasing items you will never have a use for.  Make a rule that you will never buy new items without getting rid of old ones first. The math is simple if you add but never subtract at some point you will run out of space in your home and lose money in the process.

Sell your items online or via a yard sale to pay for new ones this works well with clothes and electronics.  When cleaning the most important place to start is in your kitchen if your refrigerator is a mess you risk buying more food than you need and having food go bad regularly this is a health hazard.  Do yourself a favor and clean out your fridge regularly get in the habit of checking expiration dates and keeping a close eye on what goes in and out.  Spoiled food will contaminate all the food in your fridge costing you money not only by making all the food in your fridge unedible but also affecting your health and adding to your health care costs.  Bacteria reproduces quickly you may not be able to see it but if you get food poisoning or infections from your home the missed days of work and visits to the doctor add up.  I like to keep my home free of clutter everything is accounted for and old items I no longer need get sold or thrown out before new items are purchased.  You should take out trash regularly and practice good hygiene I suggest to disinfect all handles, doorknobs, keyboards, light switches and faucets often.  Hands carry a lot of germs you will be surprised at how often without noticing you touch (80% of infectious diseases are transmitted by touch) your face (germs enter your body through the eyes, nose and mouth) without ever washing your hands.

When your home is finally clean it will be much easier to maintain, you will feel good about yourself and save plenty of money all while enjoying better health.

Tuesday, January 13, 2015

Investing in Oil

With oil (WTI) at $44 the barrel investors have been trying to call the bottom.  Coming down from a high price in the $100's oil can still go down further and stay there for awhile but if you are young or just have the patience to wait it out you should consider starting to buy some shares in the energy sector.  These oil companies' stock price have dropped: Halliburton (HAL), BP PLC (BP) and Chevron Corporation (CVX) therefore investors at the end of 2014 started to buy them. Obviously they failed to get the shares at the bottom yet it doesn't mean it's a totally bad play no one can call a perfect bottom or top your goal is to try to get close enough.  With that said these companies should be on your radar if you are trying to invest long term or want to add a piece of the energy sector to your portfolio.  If you want a little more diversification (GE) has about a 15-20 percent exposure to oil this lets you be in the game but not as aggressive.  Another thing to consider is that these companies all pay dividends so you will be paid as you wait.  Lastly some experts believe that the days of $100 oil is gone and that some oil companies are in more trouble than they realize.  I still went ahead and decided to put some oil exposure into my portfolio.

Do Not Wait Until You Become Rich To Talk To Women

At a young age I had a few questions about girls so I went online and found an article on how to talk to women.  The article's writer told young men not to wait until they became rich to talk to women especially the ones they really like.  I guess young men think that money is the only way to get the women they want.  I agree with the writer not just because money is not the most important thing in life but it is obvious that not everybody on this earth is destined to become rich.

What I see most guys struggle with is the initial conversation when you introduce yourself.

How then will you talk to her?

Don't worry if you are shy or get nervous just get a job as a sales agent after speaking to so many people the task won't be as hard practice is your friend.

In my case things worked out a bit differently not intentionally anyway it wasn't necessarily the money but the fact that the money gave me access to more education which gave me confidence and the topics to go up to the women I like.  The more education I got the stronger my network got which opened more doors to get me more educated attractive women in my path.  Years before I might have had the guts to talk to these women (assuming that I had access to them as some of these women are only found in labs of Ivy league schools doing research) but my lack of education would have limited my conversation and would have made it difficult to keep them.  It is not necessarily the money but the level of education to give them a stimulating conversation.  You want them to feel confident by just being around you.  A more educated man has a larger array of tools to court a woman with and skills to pass on to his offspring which is a quality attractive well educated women look for.

My advice is to get better educated you don't need to be wealthy just get involved in many areas learn how to fix cars, read online periodicals, volunteer at an art gallery, this will give you a wide array of topics to connect with all sorts of women.  It will make you a better provider in the future when you settle down with the wife of your dreams.

Thursday, January 8, 2015

How To Live Debt Free

1. Live Below Your Means
If you make $2000 a month live on half, all your expenses should come up to more than $1000 otherwise you will always live paycheck to paycheck.  If you find yourself living on more than half your monthly income then make the most of it for now but eventually start cutting costs and possibly look to relocate or find a better paid job.  Never cross the line and spend more than what you make.

2. Ask
Do not be afraid to ask people for advice or a lead to a better job.  Tell people what is on your mind if you need to call the bank to let them know that you forgot to pay your credit card bill and would like them to waive the fee then go ahead and do so.  Society and the law don't reward those who stay shut yet the world is yours if you just learn how to ask.

3. Entertain and Eat On a Budget
When you buy healthy food (which can be expensive) shop for deals and don't eat out as much until you can afford to do so.  Take your own lunch to work this can be healthier and a money saver.  You don't need to overspend when hanging with friends unless you have the money to do so, get creative you can rent a movie online and watch it with several friends the laughs is what you're really after.

4. Protect The Things You Do Buy
If you make a major purchase this is the one time that you want to pay with plastic. You did the right thing you worked hard and saved but you will not pay with cash or debit.  A credit card will protect you from unnecessary headaches if you have a bank credit card you can read the fine print/benefits and see that they protect you from defective products, theft etc. You can see it as a big brother having your back at the time of purchase there are many advantages so long as you pay for that item in full once your credit card bill arrives.

5. Inform Yourself
The best way to stay out of debt is to develop healthy spending/saving habits and this starts by educating yourself through people, stories of those who have sank into massive debt, blogs, periodicals, videos and books.  I never heard a teacher in school tell me to stay out of debt or tell the class how to develop healthy spending habits perhaps they were all in debt so they couldn't teach what they did not know.  Therefore it is your responsibility to learn and protect yourself financially.