Your Finances
Your FinancesBy Terry RiggWhich category do you fall in?I have determined that financially, people fall into one of three categories.1. Family 1 has all the money they need for necessities and more and manage it very well.2. Family 2 has all the money they need for necessities and more but live payday to payday with ever increasing debt.3. Family 3 don't have enough money for necessities.The funny thing about the three families above is that they could have exactly the same income and family size. This is not to say that special circumstances has nothing to do with it, but on the average most people live above their means.Family 1 has established a workable budget.
They don't pay more than they can afford for housing, transportation, utilities, etc. They also have money set aside for long and short term savings. This short term savings provides two things. First, it makes money available when the car breaks down, you need a new washer or any number of unexpected expenses that crop up. Second, it prevents the need to use credit cards for these items.
The savings here could be hundreds of dollars. Family 1 planned.Family 2 is still struggling to establish a budget. In many cases their house payments or rent is much more than they can afford. They don't take the time to evaluate the money that could be saved with little effort. Usually there is no short term savings, let alone short term.
They use credit cards as if they were cash and pay hundreds of dollars in unnessary finance charges and penalities. These people find themselves with financial problems that often leads to bankruptcy. Family 2 either didn't plan or may not know how the handle their finances.Family 3 has given up on a budget. No matter what they do there isn't enough money to pay for housing and other necessities. They struggle to put food on the table.
Most don't qualify for credit cards, which is a good thing. In some cases this situation is self inflicted and some are due to circumstances.What is the answer to these problems?Family 1 - Leave these people alone unless you plan to ask their advice.Family 2 - These are the people that need to seek help and stand a chance of becoming a family 1 family. The possible solutions include a debt management company like Consumer Credit Counseling Service. They need to establish a budget and stick to it. If their housing and other expenses are too high, then they need to cut back, even if they have to move.
They also need to cut up the credit cards and think about consolidating. Depending on how far they are in debt, this could take years.Family 3 - While their struggle seems useless, there are things that can be done. First, they need to see to it that everything is being done to keep expenses down. The electric bill is a good example. There is federally subsidized housing that only charges a small fee based on your income.
Make sure that they are receiving all federal and state benefits that they are entitled. If they are able, they should seek job training or some other means to make their life a little better.Which family are you? No matter whether your are family 1, 2 or 3, there is hope. The primary thing that must be done is to educate everyone that learning to managing their finances is absolutely for their peace of mind. With the vast amount of information on the internet providing help, this is possible.If you are a family 2 or 3 family, "The Complete Budget and Bill Organizer" http://www.homemoneyhelp.com/BBOonline.html can help..
The Great Importance of Doing Business with Ethics
For most people, money makes the world go round and business bears that money.
Businessmen will perhaps do anything just to achieve the ultimate goal of having a business, and that is to earn income. Net profit or income financially means a surplus of sales or revenues after deducting costs and expenses. Whether you are engage in profession, occupation, work or trade, you are in business and you speak income. When you earn an income you suffer taxes, the worst nightmare for every income earners.
Income tax is your punishment of doing well in business. This sounds ridiculous but this is the reality, you pay when you earn. Because tax is legislative, noncompliance to this would results to crimes. This thing called income tax had already made billions of liars around the world. Some governments imposed taxes which are already too much to burden the flow of business.
Others make tax laws that are already beyond the ability of taxpayers. However these facts must not...
The Great Importance of Doing Business with Ethics
Electric generators > The Great Importance of Doing Business with Ethics
Fender Guitars: Tradition that Never Gets Old
Without a doubt, Fender guitars are the top-of-the-line in guitars. Success in business is often measured according to the amount of money and sales a company is able to secure. The success of the Fender Musical Instruments Corporation proves there are two other elements to consider: dedication and perseverance. From the beginning, it was company owner Leo Fender's main goal to fender guitars the best as possible. The first fruits of his labor would prove positive his dedication He would reach his goal by designing the Telecaster, a solid-body electric guitar with a Spanish design.
This guitar, like many Fender guitars that would follow, was the first of its kind. Only a few years after gaining fame with the Telecaster, Fender followed with the Precision Bass and Stratocaster. These Fender guitars are now collector's items.Shortly after the success of their pioneering guitars, the company switched management gears and was sold to CBS due to Leo Fender failing ill. For the decade...
Fender Guitars: Tradition that Never Gets Old
Electric generators > Fender Guitars: Tradition that Never Gets Old
KUA Receives Community Service Award
????KISSIMMEE, Fla., October 30, 9:30 am ? Kissimmee Utility Authority's ongoing commitment to community service through utility-sponsored programs and public outreach efforts has been recognized by the Florida Municipal Electric Association (FMEA). FMEA on Tuesday presented to KUA its 2003 Florida Community Service Award -- the highest honor an electric utility can receive from the statewide association.????The award is given annually to utilities whose achievement or sustained performance shows a commitment or the commitment of its employees to enhance the quality of life in a community. This is provided through social, cultural, educational, environmental and economic programs and by providing opportunity for employee involvement.????"I am delighted that KUA has received statewide recognition for its work in the local community," said KUA president and general manager Jim Welsh. "This award verifies that we're making the right decisions for our utility and the citizens of Kissimmee....
KUA Receives Community Service Award
Electric generators > KUA Receives Community Service Award
On Exhibition: Biocide That Improves Produce Freshness and Shelf Life at PMA Fresh Summit Tradeshow
ATLANTA, GA (ContentDesk via ContentDesk Direct) NOVEMBER 4, 2005 ?- Today at the Produce Marketing Association's Fresh Summit tradeshow, Selective Micro Technologies will showcase the extraordinary effects of the company's Selectrocide chlorine dioxide biocide on produce.
Because of its selectivity as an oxidizer and its efficacy at low concentrations, chlorine dioxide is one of the most effective inhibitors of spoilage microorganisms, yeast and mold, all of which cause fruits and vegetables to decay during shipping, on store shelves and in customer possession.
Before the introduction of Selectrocide, 99.99% pure chlorine dioxide has not been available to food growers and processors at the point of use.
Background Information Chlorine Dioxide and Selectrocide:Chlorine dioxide is effective at low concentrations across a wide range of pH (roughly 4 to 10), and, because it is a gas in its natural state, dissipates...
Electric generators > On Exhibition: Biocide That Improves Produce Freshness and Shelf Life at PMA Fresh Summit Tradeshow
Rodent Proofing Your Home
It's that time of year where rats and mice are apt to enter our homes. Lets talk a bit about their abilities and senses first. Rats and mice cannot see very good beyond 3 or 4 feet but have a very good sense of motion up to 30 to 50 feet away and for the most part they are color blind. Rodents are most active at night. These rodents have a very good sense of taste so baits may be rejected by them if they are contaminated with insecticides or odors from other chemicals.
Even touching baits after smoking a cigarette will make these rodents to shy away from the baits. Rats and mice also have a good sense of smell. They mark pathways with urine and use their sense of smell to recognize the odors of the pathway to and from food sources. Their hearing is much better than humans and make noises in various situations such as mating. Rodents have a highly developed sense of touch due to their sensitive body hairs.
They rely heavily on touch and smell to guide them through movements....
Rodent Proofing Your Home
Electric generators > Rodent Proofing Your Home
KUA Warns of Real-Life 'Fear Factor'
A disturbing scene in an upcoming episode of "Couples Fear Factor" has prompted Kissimmee Utility Authority (KUA) to step up electrical safety warnings to its customers.In the episode, scheduled to air on the NBC television network on Monday, Jan. 31, at 8 p.m. (EST), participants stand at a high-voltage electric substation and receive "minor" nuisance shocks."The reality of what would happen to anyone in this circumstance is far more tragic than portrayed in this show," says Chris Gent, KUA's manager of corporate communications. "This portrayal sends a disturbing message to viewers that playing around electric utility equipment is safe -- or, worse yet, a game. Nothing could be further from the truth."Substations contain equipment that is very dangerous to touch.
All substations, including those owned by KUA, are protected by fences or walls and have warning and high-voltage signs posted on them. An individual should never attempt to climb over or crawl under these fences or...
KUA Warns of Real-Life 'Fear Factor'
Electric generators > KUA Warns of Real-Life 'Fear Factor'
KUA's Safety Education Honored with 3 Awards
the highest award presented -- as well as an Image Award and a Judges' Award for its 2003 Calendar of Electrical Safety.???Every year in the United States, tens of thousands of people are killed or injured from contact with electricity. In fact, one person is electrocuted in the home every 25 hours, according to the latest data available from the Consumer Product Safety Commission. Many of these accidents involve children. Research shows that these tragedies can be avoided by providing children and adults with proper safety rules to follow in the home and workplace. KUA's calendar features artwork from twelve Osceola County students that reinforces key safety messages and warns of the danger of contact with electricity.
The calendar was distributed free of charge to teachers, students and to utility customers in January.???A Grand Image Award is the best in an overall division, Image Awards are the highest level of awards in each category, and Judges' Awards recognize projects...
KUA's Safety Education Honored with 3 Awards
Electric generators > KUA's Safety Education Honored with 3 Awards
Infrared Heater Sales Soar Despite Warmer Weather
(ContentDesk) March 9, 2006 -- During a month where infrared heater sales historically begin to taper off for the warmer weather months, the Sun*Twin Quartz Infrared Portable Heater sales continue to increase. Experts site continued increases in energy costs and broader press coverage as factors.Imagine a portable heater that can heat a room or two, or even your entire house, for half the cost of gas or electric heat. Now imagine this occurring with no retrofitting of existing air ducts, radiators or electric circuitry. As Bruce Searle, President of Air Quality Technologies, Inc., explains, You just plug it in to start slashing your heating costs in half, sometimes even more. For more information on infrared heaters, including technical specifications, pricing, energy studies and more, go to http://www.infraredappliances.comBetter Distribution of Heat.The Sun*Twin Quartz Infrared Portable Heater is a revolutionary patented...
Infrared Heater Sales Soar Despite Warmer Weather
Electric generators > Infrared Heater Sales Soar Despite Warmer Weather