Inquire – David Voth – 281-239-640 or http://www.lifechanging-water.com
Tag Archives: plan
“Extreme situations always sound crazy – until you’re in one”
This is one situation none of us ever want to be in. You think it wont happen to you but you can be blindsided by the unexpected at any place and time.
a. According to Steve Kardian director of the NY Defend University and former police detective “If it’s a robbery, give up the goods immediately.”
Do not challenge them. Treat it like a business deal.
Unless you think you are about to be shot do not go for the gun. Fake an illness like you are about to throw up or have a heart attack. Then get out of there as fast as you can
b. If you hear shots. ‘Believe it’ those shots are probably from a gun not a vehicle back firing. If you have only heart the noise but have not seen the shooter you still have time to run in the opposite direction.
If you have seen the shooter or worse he or she has seen you put something large between you and the shooter. A Car, a Wall, a Tree (large one) anything that will stop a bullet.
If you feel you must run ‘Zig Zag’ it will make it difficult to put you in the line of fire even for an expert.
c. Be Proactive – Plan ahead. If you have to pass through a dark area that gives you the creeps or walk to your car in a dark dingy car park, through a park that is not well-lit.
Make a plan, visualize where you can escape to. Work out an escape route just in case.
Your gut instinct plays a bit part so take notice of it and run like hell if you even suspect someone is following you.
If you are in debt then you are one of thousands, well actually millions. Just because you are one of millions, that are living on someone elses money, it’s not ok. You need to address this problem NOW, because trust me, the economy is not going to get better in the near future. If you want to protect what you have, start doing it now. Your salary is buying you a lot less than it did one year ago and the need to look after every cent you earn is now essential.
If you feel you are unable to take care of your debt problem on your own and cannot afford to pay a financial advisor then many Charities and church establishments offer free debt counseling. Counseling will help take some of the burden from you and look at things from a different perspective. Make use of the help, if you need them, use them. Once you get back on your feet, a donation would probably be very appreciated.
If you feel you can go it alone then here are some budget tips that will be helpful to you.
- Draw up a realistic budget: To do this write down your income including wages, benefits and other income as well as ALL your expenses.
- Ensure your expenditure includes: Insurances, holidays, house improvements and savings.
- Stop using credit: Paying cash is a perfect way to know exactly what you are spending your money on.
- Once you have drawn a budget, stick to it: Resist the temptation to buy now and pay later.
- Plan for the future: Create a new savings account to save money for future expenses and allows your balance to increase.
- Stock up on the essentials: Toilet paper, shampoo, soap, laundry products when they are marked down in price.
- Shop close to closing time; Many shops and bakeries offer discounts for food in the hours before they close.
- Buy Cheaper: If you shop at the farmers markets in the weekends you will pick up better quality and often cheaper fruit and vegetables and fresh-baked goodies.
- Leave your wallet at home: Unless you are specifically going shopping try leaving the wallet at home.
- Turn your air conditioner off: If your fuel is low turning the air conditioning will help reduce fuel consumption.
- Refrain from buying that delicious cappuccino every day: Now this is a hard one for me. Cut it down to twice a week.
- Empty the refrigerator: Before buying more food eat everything out of the fridge you will be surprised what you can make out of virtually nothing.
Here is an article from Yahoo News that I thought would be of great interest to my readers. From what I have read there is some great savings ahead.
NEW YORK – Wal-Mart Stores Inc. said Monday that it is introducing the first cell phone plan that uses the chain’s own branding, further demonstrating its clout in getting special deals from wireless carriers.
The Wal-Mart Family Mobile service will run on T-Mobile USA’s network. Unlimited calling and texting will cost $45 per month for the first line and $25 for each additional line for the family. The service will be offered starting next week in most of its stores across the nation.
Since last year, Wal-Mart has been the exclusive seller of the Straight Talk service, which runs on the Verizon Wireless network. Wal-Mart is also trying out another service from Sprint Nextel Corp. called Common Cents.
Those are both “prepaid” plans, under which customers pay in advance and don’t need to sign contracts.
Wal-Mart Family Mobile will be “postpaid” like conventional contract-based plans, so the family bill is paid at the end of the month. But in other ways it works much like prepaid service, and it won’t come with a contract requirement or early termination fees. Buyers also won’t need to go through credit checks.
Greg Hall, vice president of merchandising at Wal-Mart U.S., said there’s a perception among customers that prepaid service doesn’t offer access to the best phones or the best network quality. He said the postpaid nature of the plan is a way to avoid that.
Starting Monday, the chain plans to sell five phones, including a full-blown smart phone, the Motorola Cliq XT, which will cost $249. T-Mobile sells it for $329 without a contract, or gives it away to buyers who sign two-year contracts (with monthly fees that are higher than the no-contract option).
The cheapest phone for the service will be a simple Nokia phone for $35.
Straight Talk also costs $45 per month for unlimited calls and texting, but doesn’t offer a discount for additional lines. And while Straight Talk offers unlimited free data, there are no smart phones available for it; the new Family Mobile plan includes only a small amount of free data. Common Cents is a basic pay-by-the-minute service.
“What we saw was an opening in the marketplace for really bringing family savings and a family plan and T-Mobile was a great partner there,” Hall said.
The plan undercuts T-Mobile USA’s own prices, but Jim Alling, its chief operating officer, said that Wal-Mart putting its own stamp on the brand name was a “tremendous endorsement.”
While there’s no contract, Ailing said the phones will be “locked” to Wal-Mart Family Mobile, so they won’t be usable on another network, or even under a T-Mobile-branded plan.
There will also be a prepaid component to the service: extra charges for data use and international calls will come from a prepaid account, pooled for the whole family. For instance, one gigabyte of data usage will cost $40. By comparison, AT&T’s contract customers pay $25 per month for 2 gigabytes of usage, but the data allowance doesn’t carry over from month to month the way Wal-Mart’s will.
Is there a plan from the day we are born.
Some parts of your life – a Rose – some a thorn.
When I think back in time
Each road I took was fine,
Each one no reason, no rhyme.
In my younger years I made decisions that were mostly about me.
To be wild, exciting and so very free.
Great experiences and great friends.
That time in life I thought had no ends.
Then the road changed away from me
In the direction towards family three
Another journey I never regret
Another life – was it fun? – You bet.
A time of extraordinary existence.
One, many would love,
but because of their lifestyle, it brought resistance.
I found on this road, life is not about me
It is about love and my two boys, our family tree.
That road ended, another journey began.
Who knew what was in Gods plan.
I have since had many journeys down many roads.
Has never been a plan, just where ever it goes.
Looking back at decisions I made,
had I not chose them and was not afraid,
I would not be in this place. I would be unsettled and staid.
The friends I have, I would never have met
Riding my motorbike the best experience yet.
But when you think of different choices you could have done
there are still many people you could have met and had fun,
They, you will never know, because you chose another road,
went on, a different run.
Whatever my journey and experience has been
I look forward to the journey that has yet to be seen.
Is there a plan?
Hey it happens to everyone. This is something that happens to us for sure. It is wise to pre arrange your funeral if possible. It not only relieves the burden on the family it gives them peace of mind in their time of grief. ( Well we would like to think they are grieving).
First Thing to do
Find an experienced and hopefully caring funeral director who can guide and advise you to get it right. Find out the costs discuss your wishes for the funeral.
There may be religious and cultural considerations to plan for. Location, Music, coffin style, flowers (if any), what sort of service you would like and how long.
Make sure you notify your legal representitive and also one of your family members and make sure they know the location of your legal documents.
Keep a copy of your wishes at the funeral directors office and a copy to the family.
You can set aside an investment which can be held in trust and goes towards funeral expenses when needed.
Fixed Price Funeral plan.
This covers your full funeral expenses, guaranteeing the price of the funeral at todays rates. No more to pay.
Now that you have all this planned and in place go woop it up. Live every minute of it.
Do different then everything will change
Richard Salmen, CFP, CFA
Savings bonds are traditional favorites but may not offer competitive returns and have penalties for cashing in the bond in less than five years’ time. Custodial accounts are easy to set up, but the money goes to the child automatically — generally at age 18 or 21, depending on how the account is structured and the laws of the state — and the accounts may reduce his/her college financial-aid eligibility. College savings plans, known as 529 plans, keep gift givers in control and may offer state tax benefits for the giver. Stocks can be educational tools as well as investments — to avoid big commissions for small investments, consider buying through companies’ direct-purchase plans or even buying fractional shares of stock through a brokerage such as www.sharebuilder.com.
Bottom Line/Personal interviewed Richard Salmen, CFP, CFA, senior vice president and senior adviser, GTrust, a fee-only financial advice firm, Overland Park, Kansas.