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2 common mistakes that always lead to financial trouble Many factors lead to financial problems and bankruptcy. While there are things that are simply beyond your control (example: sickness, disability, unemployment, etc.), a lot of bankruptcies are also a result of poor financial management. A lot of people are embarrassed to admit this but it’s true. When it comes to handling money, there are a number of pitfalls to avoid and the more you are aware of them, the better prepared you will be when you see them. Here are month’s paycheck? Will you be able to sup2 mistakes you should avoid if you want port yourself and your family temporarily and pay your bills? to stay out of financial trouble: The other problem with not having Not having an emergency fund: It is not a matter of “if”; it’s a matter of “when” some kind of emergency fund is that if any a financial emergency will arise. A lot of unexpected expense comes up (car repairs, people are spending way beyond their emergency dental procedure, etc.), it could means that they are unable to save even a easily turn into a “financial emergency” few dollars every month for the rainy days. because it is not in your budget. So what Financial planners tell us that it’s a do people usually do? Well, since they good idea to have at least 3-6 months’ have no money allotted for the unexpected worth of living expenses in case you lose expense, they will borrow the money or your income for whatever reason. If you charge it on a credit card. You pay enough are living paycheck to paycheck with no of these “emergencies” and pretty soon you savings, you are putting yourself in a very will realize that you’ve bitten off more than vulnerable position. What will happen to you can chew. you and your family if you miss even one Not having a spending plan: This is
usually called “budgeting” but I like the term “spending plan” better. A spending plan is exactly that- a plan on how to spend the money that you make every single month. Without a plan, you will most likely overspend and I bet it will also be on things that you probably don’t even need. Do you know exactly where your money is going every month? Every day, I meet with people who make a lot of money and yet they are financially broke. Why? Because they are completely disconnected from their money! All they know is that they work hard, long hours and they couldn’t figure out why they are broke every payday. What’s worse is that they have nothing to show for the money that they make. This is the worst feeling one could have. There is no sense of fulfillment and it makes you feel like you are working for nothing. Does this describe someone you
While the Philippines has produced many winners in international beauty pageants, Natividad said physical beauty was not that important in the mixed Filipino culture. “As a culture we’re not that obsessed with beauty, but we are bombarded with advertising trying to convince us that good looks matter,” she told AFP. The Manila-based pollster said 94 percent of women chose sense of humor over looks, even if that person was physically unattractive. This compared to 86 percent of men who prefer humor over looks. Social Weather Stations polled 1,550 adults across the largely Roman Catholic nation between December 11 and 16.
know- perhaps you? If you want to stay out of financial trouble, it is time for you to take responsibility for your actions and your life. You can’t leave your financial future to chance and hope that somehow, things will be alright. Hope is not a good financial plan. You can hope but you also need to take action if you want your life to change. If your finances are out of control and you need help in getting everything back in order, I would like to help you. For a free CONFIDENTIAL consultation, please call Toll-Free 1-866-477-7772. We have offices in Glendale, Cerritos , West Covina, Valencia and Riverside. (None of the information herein is intended to give legal advice for any specific situation. Atty. Ray Bulaon has successfully helped over 5,000 clients in getting out of debt. For a free attorney evaluation of your situation, please call Ray Bulaon Law Offices at TOLL FREE 1-866-477-7772).
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Humor trumps good looks in PHL MANILA, February 13, 2014 (AFP) – Ugly people with a sense of humor appear to trump their good-looking but dull peers in the Philippines’ dating game, according to a pre-Valentine’s Day poll published Thursday. Given a choice, nine in 10 adult Filipinos told survey group Social Weather Stations they would pick “a man/woman who has a sense of humor.” Ten percent preferred “a man/woman who is goodlooking but has no sense of humor.” “It’s more interesting to be with someone who has a good personality because good looks will fade over time,” said Josefina Natividad, director for the University of the Philippines Population Institute.
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