Education – Page 2

3 Easy Steps to Beat Credit Card Debt

WOW, whatever happened to our economy? It seems like abruptly things went right down the tubes. Suddenly we are all swimming or drowning, in debt. Now what? How do we fix our financial mess? How do we beat credit card debt once and for all? Easy, I’ll show you…

Unlike our parents’ generation when using credit was considered embarrassing and a sign of poverty, our society today encourages debt. No one thinks it’s wrong to use credit to live way beyond our means. It’s even become something of a status symbol to have a lot of credit cards.

Unfortunately, that financial philosophy is proving to not be such a great idea after all. So many of us were living at the very brink of our financial limits and one tiny little push was all it took to send us teetering over the cliff.

We can’t go back and change the decisions we made yesterday but we can change what we do today so that we can be more secure tomorrow. There are several things you can start doing today that can help you find a much more stable financial footing and can keep you on balance for the rest of your life, no matter what the economy decides it’s going to do.

To tame your credit card debt, use these simple tips:

1) Consolidate your debt. This means that instead of paying $50 a month on 10 credit cards ($500 per month) you combine all your debt into one loan and pay one smaller fee ($300 per month, for example) Most consolidation loans accrue interest differently than a credit card so you will be paying more in principle with every payment.

If you are only paying the minimum fee on your credit card bill you are paying only interest. You are not even touching the principle. You will have a very hard time ever paying your card down that way. There are many debt consolidation services available today. Start by asking your local bank who they recommend.

2) Do it yourself. Even if you can’t increase your income you can still pay off your debt yourself. It will take time and discipline, but it has worked for thousands of people.

This method simply requires you to pay the minimum payments on all your credit cards every month, focusing on the smallest debt and adding any extra money to that card every month. Remember that adding even a few extra dollars a month to your minimum payment will go directly to the principle.

After a while, you will have the smallest debt paid off. When you reach that point you will take the money you were using to pay on that card and apply it to the next smallest debt. And so on, and so on, until all your credit card debt is paid off.

3) Reduce your dependence on credit cards by leaving them at home. Instead, Of carrying all your credit cards with you and possibly having them stolen or lost use cash or debit card for your purchases. Leaving your credit cards at home will allow you time to consider if you really need to make this purchase or is it just a want, slowing down your buying process.

Getting yourself out of debt and rebuilding your credit isn’t going to be easy. It’s always tough to change habits. You can beat credit card debt once and for all you will have a much more secure financial future and it doesn’t matter what the economy does, you’ll be set!

We hope this information was beneficial. You can have anything you want if you are enthusiastic about putting in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips!

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Why a University Education?

The world in which we live is constantly evolving. We are demanding more and more from our citizens than ever before and in order to live up to the demands of the world, we need a solid education upon which to base our skills and knowledge. There are many alternatives available for receiving an education these days, which is good news for those who have not yet managed to obtain a four-year college degree. Truthfully, that degree is the difference in literally hundreds of thousands of dollars over the course of a lifetime than not having a degree.

Four Reasons for a Four-Year Education

Money. The first reason that you should consider a university degree is a fact that it will substantially increase your earning potential. If nothing else appeals to you, this is typically the one reason that most people return to school after years in the workplace. If you are in high school and haven’t really had to deal with the bills and burdens that many adults face it’s difficult to explain how important any edge when it comes to earning ability truly is. However, you should be aware that you need to choose your major wisely if money is your sole motivation. Not all careers pay equally when compared to the education required to enter them.

Insurance. This may seem like a strange term to use when discussing why you should get a university education, but this is perhaps the best insurance you can find as far as employability goes. Having a university degree gives you a competitive edge over those who do not. In many cases, you will find that education is beginning to trump experience as employers are seeking workers with more rounded skills rather than those with very specific skills. The modern university typically requires a brief exposure to all kinds of information and coursework that isn’t necessarily related to your major. This provides graduates with a broader understanding of the world (at least that is the assumption).

Employability. Believe it or not, those with degrees are much more employable than those that do not have them. There was a time when the trend was to employ those who had experience over those who had an education. That trend is rapidly evaporating as companies want employees that can fill multiple roles more and more often. The limited exposure to certain ideas or ideals and principles that most people receive as part of their university education makes you a more employable candidate because you should be able to adapt and adjust, as this was required during your educational process.

Confidence. There is nothing quite like believing in yourself. Getting a four-year education is one way to build confidence not only on a personal level but also on a professional level. Whether or not you realize it, this is often the best reason for pursuing a university degree. This reason, as a matter of fact, will affect all the other things I mentioned above. If you have more confidence in your ability you will be more willing to go out there and get the job done. As a result, you will earn more money and you will ensure that you are an asset to your company by proving yourself to be just that.

Regardless of your personal reason for pursuing a university degree, there are very few wrong reasons to get your degree. Good luck in your educational pursuits. I know they will serve you well.

In closing, we invite you to share your comments on this and or other posts. If you find the information useful, please Like & Share us and subscribe to this site for an update as we reveal new strategies. Remember to keep an open mind and Shift 4 Freedom.

Schizophrenia Affecting Mental Health

People fear schizophrenia in a generalized sense. There is a common mentality that when one has schizophrenia, bringing back mental health is impossible. That would be probable if early signs are not observed and treated. Here, you will get to know what really schizophrenia is and how it converts a person’s personality on a whole new level.

Defining schizophrenia

According to studies made, schizophrenia is a kind of brain disease that is chronic and severe. It is a devastation to man’s illness because of misinterpretation, it is not given enough attention to be treated, making it worse as time pass. There is a probability that out of the entire population, there will be at least one percent that will be affected. Every year, there are about two million Americans that suffer from schizophrenia.

Who is affected?

Patterns of age and gender are usually affected. Men and women can get the disease in an equally related frequency. Schizophrenia is often experienced by men during their early stage which is usually upon their later teenage years and earlier twenties. While in women, schizophrenia is seen when they have reached their early twenties or during their early thirties. Children who are aged five and above can also develop the debilitating disease but has little occurrence during adolescent years.

Facts about cure

Although there is no exact cure for the case, there are high hopes that schizophrenia can be cured. Research has stated that medications can ease some of the prominent symptoms and it has also paved the way to unravel the different complicated causes of the disease. Science is using different kinds of approaches and alternatives that may be derived from molecular genetics going to population study in order to learn more about schizophrenia. Newer insights have been held in order to image an affected person’s brain structure and further gain knowledge about the disorder.

Signs and Symptoms

Confusing and shocking behavior that is apparent in the change of behavior of the person.

The sudden occurrence of psychotic symptoms which are severe and can be described as the acute phase of the disease.

Psychosis which can be referred to as the impairment of the brain’s normal status and is marked by certain delusions and hallucinations.

Withdrawal from the public and isolation of oneself.

Behavior, thinking process and speech pattern is unusual.

Those who have schizophrenia may or may not have several signs and symptoms. Some may manifest three to four while others are still vague.

Chronic schizophrenia which can also be related with a recurring or continuous pattern of the illness has the littlest chance of recovering from the person’s normal body functioning and somehow requires a longer need for treatment that may include the inclusion of different drugs in order to control the disease’s symptoms.

How do schizophrenics view the world?

Perceptions of reality that are distorted by delusions and hallucinations. They can also feel unusual fear, confusion, and anxiousness.

Illusions and hallucinations are referred to as the disturbances of a person’s perception which are common in people who suffer from the illness. The voices that one hears are oftentimes the person’s view of impending dangers or their way of carrying on a conversation.

Contrary to what people perceive, schizophrenia is not a type of split personality and are not violent. They are those who are referred to people who have a world of their own. Mental health can be attained through early recognition of the signs and symptoms that are shown by the diseased person.

Women’s Sexual Health: Age Doesn’t Matter

Based on a recent study, there appeared to be no differences with respect to the frequency of sexual intercourse or the desire for sexual activity not involving intercourse among the different age groups. Age did not make a difference regarding the frequency of orgasm or in sexual satisfaction ratings with their partners.

Most women fear that as they age and the hormone levels drop, so too will their enjoyment of, and oftentimes desire for sex.

Fortunately, while diminishing hormones and sex may happen in the same breath, the latest research indicates that sexual desire has less to do with these changes than it does with lifestyle and other women’s sexual health factors, at least some of which are under a woman’s direct control.

According to reports from a group of distinguished European sex experts in the first ever supplement to The Menopause, the journal of the North American Menopause Society, the findings have helped professionals discard the notion that sexual difficulties occurring close to menopause are either biologic or physiologic.

The new research was part of a series of studies conducted on female sexual dysfunction by the department of clinical psychiatry and psychotherapy at Hanover Medical School in Hanover, Germany. As part of the overall project, 102 women aged 20 to “45 plus” answered 165 questions designed to flush out determinants of female sexual satisfaction.

Specifically, researchers hoped to determine satisfaction with sex life in general, sexual satisfaction and orgasm during intercourse, petting, masturbation, attitudes towards sexuality, quality of partnership, and women’s sexual health myths.

Based on the study, there appeared to be no differences with respect to the frequency of sexual intercourse or the desire for sexual activity not involving intercourse among the different age groups. Age did not make a difference regarding the frequency of orgasm or in sexual satisfaction ratings with their partners. For example, 29% of women up to age 45 reported having orgasms “very often,” compared with 26% of women over age 45.

Even more dramatic was that while 41% of women over age 45 reported having orgasms “often,” only 29% of younger women reported having an orgasm “often.”

Among the few differences in the groups: Women over 45 reported having fewer orgasms during non-intercourse sexual activity or during masturbation. Both groups of women reported a dual dimension necessary for successful lovemaking that included having both feelings of emotional closeness to their partner and satisfactory physical experiences.

After comparing all the answers from both older and younger women, as well as from women who reported sexual problems and those who did not, researchers concluded that the single most influential factor about women’s sexual health satisfaction via intercourse was the quality of the partnership, the quality of mutual respect, which then becomes of greater importance as a woman age.

After comparing these study results to earlier and ongoing findings, the researchers concluded that the basis of any sexual problems that did occur at midlife could not be drawn from menopause status or age alone. Instead, life stressors, contextual factors, past sexuality, and mental health problems are more significant predictors of midlife on women’s sexual health interest than menopause status itself.

This study was just one of several research papers presented in the journal about women’s sexual health dysfunction. Each one striving to shed much-needed light on a subject that some believe has been hidden in the shadows too long.

Understanding Bad Credit And How To Improve It

It’s obvious that we now live in a credit world. There are lots of banking institutions offering different forms of credit from credit card to personal loans. The amount of people with credit cards is rising very fast. Apart from that, lots of people can hardly do without credit.

Because of lack of enough financial education and discipline on the part of most of these consumers they often find themselves in bad credit situations like court judgment, bankruptcy, and loan default which often make it difficult for them to get any credit at all in the future. You may now want to ask – what exactly is credit?

Credit means that you are getting a service or cash grant to use for your own purpose. You are often bound with a contract or agreement to repay in the future as agreed with a lender or service provider. Credit exists in different forms like a loan, mortgage, or credit card.

Before you can get credit from any financial institution or lending agency, they will first check your credit history. If you have defaulted on a loan before or have a bad credit history, you will find it almost difficult to get credit any time you apply for it.

However, it’s possible for you to improve your credit history or build a new good credit history by repairing your credit, thus re-establishing your credit-worthiness. This process is called credit repair. It’s the process in which consumers with unfavorable credit histories attempt to re-establish their credit-worthiness.

Though there are lots of credit repair companies nowadays that promises to repair your credit for you if you can follow the simple guide, it’s very possible for you to do it yourself – after all, it’s your credit.

If you repair your credit it will make it easy for you to get low-interest credit, car or home loans. However, with poor credit rating, you may not be able to get loans or be subjected to high-interest rates and several other unnecessary conditions. So, it’s very important that you repair your credit if you have bad credit. You will get lots of tips on how to do this easily on this website “Check Here”.

You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, We invite you to share your comments on this subject and the other posts. If you find the information useful, Like & Share us on Facebook, Google Plus and other social media platforms. Remember to keep an open mind and Shift 4 Freedom.