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Quick Tips Articles

Advice from Father to Son

June 28, 2014 | Quick Tips | No Comments

father-sonAugust 27, 1997

Dear Son:

Now that you are about to begin a new stage in life, please always remember that if you really want to achieve a goal, you must be fully COMMITTED to it. This is what life is all about. It means HARD WORK: THERE IS NO EASY WAY. However, to accomplish this, there must be some behavioral changes on your part, which means:

  1. Have confidence in yourself: Be a leader not a follower.
  2. Be proud of yourself that you are in College: It’s an exciting and rewarding challenge.
  3. Put your priorities in order: Your schooling comes first.
  4. Be resourceful: You must have guts in life.
  5. Be persistent: Do not give up until you get the answer to your question. Get it by any and all legitimate means possible. It’s all up to you.
  6. Be proactive: Get a head-start on thing: Don’t lag behind. This will make it far less difficult.
  7. Make plans for whatever you are doing: Plan your day, week, month, year, and life. Short, Intermediate, and Long term plans, each are an integral part of the other. With a plan, things run smoothly and you do not have to waste time thinking what’s best to do next.
  8. Do not waste time: Time like money is very precious. Handle it wisely.
  9. Be organized: Keep everything in a logical order so that they can be easily retrieved. That means books, documents, clothing, etc. Be tidy overall. If your environment is clean and organized, it will put you in a better mood and things will flow smoothly.
  10. Study hard: Don’t be fooled by those students who appeared not be studying. They probably have a better High School foundation, or studying at nights, or early in the mornings without you knowing.
  11. Be a good listener: Pay attention to small details, and remember relationships are the key to understanding any subject matter.
  12. Don’t be afraid to ask questions: This will save you lots of headaches later on.
  13. Be observant: It’s your responsibility to know what’s going on. Read everything. If you received a handout, read it right away. Don’t put it away and forget about it.
  14. Begin to live the profession you are pursuing. Get involved in extra-curricular related activities
  15. Choose your friends wisely: Drop those who are not uplifting
  16. Keep good health: Eat right, get enough sleep, and exercise. A healthy body and a sound mind go hand in hand.
  17. Keep your eyes on your goal: Never lose sight of it.
  18. 18) Ask God for guidance: Say your prayers before you go to bed, before each meal, and when you are awake in the mornings.

If you can adopt these principles, success is guaranteed, and college will be an enjoyable and rewarding experience.

Good luck and God bless you.

Dad

Building Your Home Business

May 30, 2014 | Quick Tips | No Comments

Are you tired of working long hours and not getting paid for the work that you do? If you are thinking about giving up on your dream because you don’t have the customer base to justify continuing your home business, you shouldn’t give up so quickly. Instead, it may be time to think of other ways to build up your business.

One of the best ways to get customers is to team up with other people to help you find leads. Thousands of companies have leads that they might not be able to use because they aren’t a good fit for what that lead is looking for. However, those leads may be more attractive to your business and could lead to sales that otherwise wouldn’t have been made.

In exchange for leads for your company, you will give other companies leads that they can use to help their own businesses grow. For those who might be interested in such an arrangement, there are Facebook groups and other websites dedicated to matching people who want to work with each other.

The only catch here to such an arrangement is that you have to be willing to rake in a lot of customers and a lot of money each year. If you are willing to do that, you have what it takes to become a successful home business owner.

Quick Tips for Buying a House

April 18, 2014 | Quick Tips | No Comments

Searching for your first or next home can be exciting. However, there’s a paperwork side of home buying that can be confusing to anyone who is not familiar with the home loan process. You can avoid the possibility of disappointment by going through the loan pre-qualification process. This will give you a clear indication of what your home buying financial limitation is. You can then concentrate your home search within a realm that is compatible with your budget.

There are numerous types of loans available, each with different qualifying restrictions and various benefits. When it is time to apply for a house loan, it is best to seek out advice and assistance from a company such as Embrace Home Loan where the professionals that will be assisting you are familiar with the variety of loan options that are available. Just the loan application itself can seem overwhelming to a first time home buyer. If you have purchased numerous homes over the course of several years, you might still find the paperwork daunting. The home mortgage process is ever-changing. For that reason alone, it’s essential that you have expert assistance in securing the best loan for your situation.

Part of the home buying process involves an appraisal and a title search. These are areas where you will need assistance from someone who is familiar with those procedures. Having a home loan professional available to answer your questions can also prevent unpleasant surprises from popping up at your loan closing.

How to Divide Money and Assets After a Family Member Dies

August 27, 2013 | Quick Tips | No Comments

It is not hard to divide monetary assets after someone in your family passes away, even if the will does not specify exactly how much each person should get. If you only have a brother and a sister, you can just divide the money into thirds and distribute it evenly. If they also have children, you could give portions to the children directly, or you could allow your siblings to split up their thirds as they would like, keeping what they want and passing some on to their siblings when they desire to do so.

However, the trouble comes when there are physical assets to consider. These could include a house, a summer home, a car or any other large, expensive items. They could total at a higher value than all of the cash, but they cannot be broken up and given out. You also have to consider all of the smaller items, such as furniture and collectibles. They may not be worth as much as a car on their own, but the collective total could still be significant. How are you supposed to divide these things?

You have two options. First of all, you can sit down with your family members and see if people really want certain items. You might be ale to make a deal that, while not perfectly fair, makes everyone happy. For example, you might be glad to take the house for your family, your brother might want the summer home for vacations, and your sister, who already has two houses herself, could be glad to take the cars. You can divide the smaller possessions up in the same way. Again, this is to be done if there is not a will that specifically states who is entitled to which items.

Reaching a compromise like the one described above is uncommon, though, because someone is always going to feel like they got less than someone else. A home that is worth $500,000 is far more valuable than a summer cottage that is only worth $200,000. People may not be happy with what they get. Your second option, then, is to sell everything. You can even do this at auction for the smaller items. Once you have converted all of the physical assets into cash, you can then easily divide the cash among the three of you. To learn more, feel free to check out probatesydney.com.au.

Make Your Credit an Important Part of Your Life

June 5, 2013 | Quick Tips | No Comments

Your credit is an important part of your life. Whether you want to buy a new car, apply for a home loan or even rent a house, your credit history will be taken into consideration and can affect your ability to move forward financially in the world. Unfortunately, many adults have credit problems.

Credit repair is the process of improving your credit history and credit scores. If you do want to do things financially in the future, be it apply for a credit card or even a new job, you will need to take steps to improve and increase your current credit score. Many adults find that credit repair is a sensitive topic that many people are afraid to discuss. At Lexington Law, you can consult with a lawyer who is an expert in credit repair.

Your lawyer will be able to guide you on the right path to improving and repairing your credit. While it might seem that a lawyer is only there for things like wills, trusts and legal charges, the truth is that a credit lawyer is actually an incredibly valuable asset when it comes to improving and repairing your personal credit score. Contact a lawyer today to get the help you need.

How to Become a Responsible Gambler

May 20, 2013 | Quick Tips | No Comments

If you’re worried about joining the millions of people who enjoying playing at online casinos – you shouldn’t be – just take a follow a few simple steps to put your mind at rest.

Start by spending a little time making sure that the site you want to play has accreditation from one of the various governing bodies. These credentials should be on the casino’s homepage.

When you’re happy you’ve chosen a reputable site, check out the rules of your chosen casino as house rules may vary slightly from other casinos. It is also advisable to read the terms and condition of the site, especially in regard to bonuses and their withdrawal conditions, whilst a FAQs page will often answer many of the questions you and many who’ve gone before you have wanted to ask.

Once you’re happy with your chosen site’s reputation, it’s time to set budgets on both your finances and time.

Setting limits on how much money you’re willing to spend and how much time you’ve got spare to play is a great way of keeping playing online casino games fun. Start by calculating how much you’re willing to lose and credit your account with that amount. Then decide how long you can play your favorite mobile slots for without it affecting other areas of your life.

If you lose your money before your window of time is up, don’t be tempted to gamble more than your budget as you’ll probably regret it later, and it may put you off wanting to play again – and that’s a lot of fun to be missing out on.

Equally, if your time runs out before your money, whether you’re winning or losing, don’t be tempted to stay on and gamble it away. Leave it in your account for next time. This way you’ll be looking forward to your next visit to an online casino rather than regretting your previous one.

How to Protect Yourself from Phishing Websites

November 18, 2011 | Quick Tips | No Comments

Let’s face it, the majority of us conduct business on the Internet almost everyday.  From shopping, entertainment, banking, research, etc., we all use the Internet.  Unfortunately, there are always criminals in cyberspace trying to steel your identity that will ultimately affect your finances and credit score. To determine if your identity has been compromised it’s always a good idea to get a free credit score to review your credit information. 

One way cyber criminals can steal your identity online is by using a technique called “phishing” to steal your personal information such as username / passwords, credit card information, social security number, date of birth, etc.

Phishing websites are fake websites that look like real websites.  Most people visit phishing sites by clicking links in their email.  As an example, they may get an email that seems to be from their bank telling them they need to log into to fix a problem.  They click on the link in the email and it brings them to a fake website.  They unsuspectingly enter their username and password and instantly this information is sent to a criminal who can use it cause serious harm.

So how do you avoid ever visiting phishing website?  Fortunately, it’s not too hard to prevent visiting phishing websites, but you must always be alert whenever on the Internet.  For one, never visit websites such as your bank by clicking on links within an email.  You should always visit by your saved bookmark, major search engines or typing the address directly into your browser address bar.  Additionally, if you ever want to click on a link in an email, you can first view the real link address in your browser address bar.  For example, an email may contain a link stating www.bankofamerica.com; however, the link goes to wwwbankofamerica.steal.com.  Fortunately, the major browsers and anti-virus program can alert you whenever visiting a phishing website but they don’t always catch every phishing site.

Never give your personal information to anyone whenever visiting forums, using email, using public Wi-Fi or even instant messaging with friends or family.  This information is not secure and criminals can easily intercept your information.

Whenever your visit a website and have to enter personal information make sure the website is using encryption to transfer your information.  To determine if the website is secure with encryption, check for the closed lock icon in the browser address bar.  If no closed clock icon is available, the website isn’t secure and when you transfer information, your information can be intercepted by criminals.  See example below with green closed lock in Google Chrome browser address bar.

Finally, always use strong passwords using a combination of letter, numbers, symbols and different letter case.  Periodically, you may want to change your passwords especially for websites that are extremely important to you, such as your bank. 

Remember you can always get a freescore online to make certain your identity hasn’t been compromised.