MasonRoad – GoldWiser

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How I Destroyed My Credit (And What I Did to Turn Things Around)

How I Destroyed My Credit (And What I Did to Turn Things Around)

Financial blogger Ash Cash shares his own personal story of early credit missteps – and how the hard truth found him. Learn how he saw the light and started making progress toward responsible financial goals.

They say that experience is the best teacher. When it comes to credit, that’s been true for me.

Today, I’m an established banking professional and personal finance expert who understands credit and how it works. And while my business experience has developed this knowledge, my early personal struggles with credit help remind me how painful it feels to be facing credit problems firsthand.

An Unwise Decision

At 18 years of age and still living with my mother in a small two-bedroom apartment, I used credit irresponsibly. Since I didn’t learn about credit or personal finances in school, I treated credit cards as if they were free money. My credit score, and ability to obtain credit, plummeted when I purchased things that I really didn’t need – and couldn’t afford.

Big Spender

My first blunder was buying a 40-inch TV and a DVD player with surround sound (back when DVD players were new and expensive) all on credit and with no plan for paying it back. Let’s just say that I used this setup to entertain my friends in my way-too-small bedroom in my mother’s way-too-small apartment. The irresponsibility cost me dearly. By 21, my credit was shot – so much so that I couldn’t even get approved for a department store credit card. My first car had to be leased in the name of my girlfriend (who, by the way, is now my wife). When it was time to get an apartment, we had to leave my name off the application so we wouldn’t get declined.

Develop the skills needed to achieve your credit goals

Turning It Around

After the embarrassment that came along with not having good credit (and with pressure from my wife) I knew I had to make big changes. By changing how I dealt with my debt I became a homeowner by 25 and was finally able to obtain financing for a car on my own, get a major credit card with a high limit, and begin receiving daily credit offers.

By using secure credit cards, keeping my credit card balances low, and focusing on paying my bills on time, I was able to rebound from my earlier mistakes. I also made sure to not close any credit card accounts that had a good history, and I applied for additional credit only as I needed it. I saw a big jump in my score and found myself on a path to financial freedom.

Now, I’m proud to be reminded of my bad credit experiences because without them, I wouldn’t know what to do to get back on the right track. And I can truly understand those who find themselves in that position today.

Goldwiser wants to help you reach your financial goals. Come in a see me today!

Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
Other services we provide:
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Ask for Franco
530 South Mason Road
Katy, TX 77450

WHO WE ARE

WHO WE ARE

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About Gold Wiser

GoldWiser is the largest precious metals dealer in the State of Texas.   Our friendly service, best price guarantee and extensive experience guarantee that you will always leave from any of our locations with a smile on your face!

At GoldWiser, we specialize in the purchase and sale of all four precious metals: gold, silver, platinum and palladium.  We also have on staff gemologists to assist with the sale of your diamond or an upgrade to a new one.  Our jeweler can also perform most jewelry repairs, ring sizings and service on most major watch brands, including Rolex.

When you’re ready to sell, we can always guarantee the most money because of our direct relationship with the refiner.  In fact, we guarantee to beat any competitor’s written offer. 

Hands giving money

If you’re looking to invest in precious metals or coins, we can also provide you with the best prices and the lowest premiums in the state.  We also offer the ability to “lock in” spot prices with just a small deposit guaranteeing that you won’t miss the next major market move while you complete your payment for coins or bullion.

Some of the many items we buy include:

  • Earrings
  • Chains
  • Necklaces
  • Dental Gold
  • Rings
  • Mountings
  • Watches
  • Gold Coins
  • Silver Dollars
  • Bracelets
  • Gold Jewelry
  • Silver Jewelry
  • Platinum Jewelry
  • Silverware and Flatware
  • Old Scrap Gold and Silver
  • Gold and Silver Coins
  • Gold and Silver Bullion and Rounds
  • Gold Watches
  • Rolex Watches
  • Diamonds

Don’t see your item listed above?  If it’s made of Gold, Silver, Platinum or Palladium or contains diamonds, we’ll buy it!  Feel free to call us with questions at (713)568-2468  or just drop by any of our Locations for free testing and an instant quote!

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Remember, “Whether you buy OR sell, make the wiser choice!”

Goldwiser wants to help you reach your financial goals. Come in a see me today!

Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
Other services we provide:
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450

6 Small Things You Can Do Every Day to Get Smarter

6 Small Things You Can Do Every Day to Get Smarter

You might be under the impression that intelligence is a fixed quantity set when you are young and unchanging thereafter. But research shows that you’re wrong. How we approach situations and the things we do to feed our brains can significantly improve our mental horsepower.

That could mean going back to school or filling your bookshelves (or e-reader) with thick tomes on deep subjects, but getting smarter doesn’t necessarily mean a huge commitment of time and energy, according to a recent thread on question-and-answer site Quora.

When a questioner keen on self-improvement asked the community, “What would you do to be a little smarter every single day?” lots of readers–including dedicated meditators, techies, and entrepreneurs–weighed in with useful suggestions. Which of these 10 ideas can you fit into your daily routine?

1. Be smarter about your online time. 

Every online break doesn’t have to be about checking social networks and fulfilling your daily ration of cute animal pics. The Web is also full of great learning resources, such as online courses, intriguing TED talks, and vocabulary-building tools. Replace a few minutes of skateboarding dogs with something more mentally nourishing, suggest several responders.

2. Write down what you learn.

It doesn’t have to be pretty or long, but taking a few minutes each day to reflect in writing about what you learned is sure to boost your brainpower. “Write 400 words a day on things that you learned,” suggests yoga teacher Claudia Azula Altucher. Mike Xie, a research associate at Bayside Biosciences, agrees: “Write about what you’ve learned.”

3. Make a ‘did’ list.

A big part of intelligence is confidence and happiness, so boost both by pausing to list not the things you have yet to do, but rather all the things you’ve already accomplished. The idea of a “done list” is recommended by famed VC Marc Andreessen as well as Azula Altucher. “Make an I DID list to show all the things you, in fact, accomplished,” she suggests.

4. Get out the Scrabble board.

Board games and puzzles aren’t just fun but also a great way to work out your brain. “Play games (Scrabble, bridge, chess, Go, Battleship, Connect 4, doesn’t matter),” suggests Xie (for a ninja-level brain boost, exercise your working memory by trying to play without looking at the board). “Play Scrabble with no help from hints or books,” concurs Azula Altucher.

5. Have smart friends.

It can be rough on your self-esteem, but hanging out with folks who are more clever than you is one of the fastest ways to learn. “Keep a smart company. Remember your IQ is the average of five closest people you hang out with,” Saurabh Shah, an account manager at Symphony Teleca, writes.

“Surround yourself with smarter people,” agrees developer Manas J. Saloi. “I try to spend as much time as I can with my tech leads. I have never had a problem accepting that I am an average coder at best and there are many things I am yet to learn… Always be humble and be willing to learn.”

6. Read a lot.

OK, this is not a shocker, but it was the most common response: Reading definitely seems essential. Opinions vary on what’s the best brain-boosting reading material, with suggestions ranging from developing a daily newspaper habit to picking up a variety of fiction and nonfiction, but everyone seems to agree that quantity is important. Read a lot.

BY JESSICA STILLMAN

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Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

HOW YO GET PEOPLE TO RESPOND TO YOU

HOW YO GET PEOPLE TO RESPOND TO YOU

By Glenn Llopis Contributor.

Take a moment to reflect upon those people that you lead and  serve.   Is there a department head  you feel awkward around?  A client that doesn’t seem to like being around you?  To help you reassess how you can engage more effectively with people, here are five ways that leaders win people over.

1.  Search for Shared Experiences

Everyone has at least a handful of shared experiences, which means we can always find some common ground with one another.    Personality types may differ, but shared experiences allow us to appreciate the “human factor” in ourselves and others.

Winning people over is not about manipulating people to like you, it’s about  giving people reasons  to respect you – enough that they want to engage with you.

Being a leader in a position of influence doesn’t mean that people will always respect you.   Respect is earned and if you are consistent with your behavior – for example, always being a good listener and exercising patience – over time respect will mature into genuine likeability, minimize tensions, and allow positive collaboration to prevail.

2.  Understand One’s Values and Intentions

As they say, you should never judge a book by its cover.  This may be why so many employees dislike their leaders – those that come across as being too polished, academic and precise. Never expressing any self-deprecation gives the impression that they think they are flawless.  For many, this persona creates barriers because they don’t believe they can compete or have anything in common.

Leadership in the 21st century is about being authentic and throwing your title out the door.  What’s the point in having a prestigious title if people don’t take you seriously?   People want leaders that can be trusted and transparent; a leader that supports a value system that is centered on honesty, compassion, open-mindedness, ambition, fairness, accomplishment and responsibility.

Your values influence how you naturally think, act and engage with others.   Understanding someone else’s values helps you realize their intentions and build trust.   When there are no hidden agendas, it becomes much easier to coexist.   When the values and intentions of people align, it makes it easier to build rapport and establish foundations for potentially long-term relationships.

WE BUY STERLING SILVERWARE
COME IN AND SEE ME TODAY!!
Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

Understanding Forgiveness

Understanding Forgiveness

As my husband and I left the theater and walked along the avenue, images from the movie we’d just seen brought back the familiar ache I’d struggled to suppress. It was all too reminiscent of the painful three-year separation from which we’d recently emerged.

Did you see how his wife suffered after he left her?” I asked. “It really is like that. That’s exactly how it feels.”

I could feel my husband tensing next to me. “Every time we go to a movie you do this,” he said. “Can’t we get over this? I’ve said I was sorry.”

“I know. But if you’re really sorry, you wouldn’t get so annoyed. It doesn’t sound like you’re sorry.”

I didn’t know how to put what I needed into words at the time. And even if I did, I’m not sure that would have made any difference. He figured once I forgave him for leaving, that was that. I should be over it. We should move on. That’s what I wanted too. But the pain churned in my heart and wouldn’t go away. Later, when I realized how forgiveness really works, it finally did.

Forgiveness is complicated, both in serious situations like this and in the everyday circumstances that pester our married lives.

We make mistakes, and worse, we’re often in denial of our offense or too proud or stubborn to admit it. It’s a bad day at the office or we’re experiencing PMS, and our tempers sizzle at the tiniest spark of irritation. Our spouse retaliates with indignation, and the situation escalates. Who’s at fault? Who asks forgiveness? Who admits to being wrong? Blame lies with each, but “she started it” or “he insulted me” becomes the mantra. We’re both fallen creatures. We both fail.

Realizing our common fallenness can help us have the grace to ask and give forgiveness. Both need to ask and both need to forgive, with the keen understanding that nurturing a forgiving marriage can prevent the bitterness of accumulated offenses that gradually harden hearts and build walls.

But sometimes forgiveness is not that simple. Kristen and her husband were students when they married, and despite busy schedules, Kristen expected them to spend their free time together. Instead, her husband spent many evenings in bars drinking with the guys. When she became angry, he accused her of nagging and trying to control him. Their words dug in deep and wounded each other. After seven months of marriage, they separated.

Other times forgiveness feels impossible. Nick and Penny were married several years when Nick was arrested with a prostitute. Although he was repentant and Penny’s pastor urged her to forgive him, she didn’t see how she could.

It’s hard to forgive in situations like these. We know forgiveness is a cornerstone of the Christian faith. In the Lord’s prayer, we ask God to forgive us the same way we forgive others. On the cross Jesus forgave the people of their sins even as they mocked him and watched him die. But when we have been deeply hurt, the idea of forgiving may feel like we’re being asked to tear our hearts out and give them to the very people who trampled on them. So, either we offer a perfunctory, “I forgive you,” while still holding the bitterness in our hearts, or we harden ourselves and physically or emotionally walk away.

In these particularly difficult situations, we sometimes put an unnecessary burden on ourselves. We think if we forgive, we must completely forgive and get over it immediately. What I discovered is that forgiveness is often a process, not a one-time act. While it begins with the decision to forgive, it may take time before the heart fully accepts what the will has set in motion. How long it takes may depend on the severity of the pain of the offense, and we must give ourselves the grace our healing requires as we move forward to full forgiveness.

Even Joseph, one of scripture’s greatest examples of forgiveness, allowed the full forgiveness of his brothers to marinate over time. When he first recognized his brothers in Egypt, he did not run out to them with extended arms. After his initial decision to forgive, he tested their hearts, giving them a chance to reflect on their sin. When he finally forgave them, his forgiveness was complete and glorious.

When we’ve been deeply wronged something inside yearns for justice. If we don’t forgive, our desire for justice becomes revenge, subjecting us to the bondage of bitterness and self-righteousness. When we choose to forgive, the justice we seek is for the other person to feel our pain. As my husband began to listen without getting impatient or defensive, forgiveness became a mutual endeavor of grace. My heart of forgiveness was able to expand, and my husband forgave a period of scab-picking relapses, while together we moved forward to complete healing and brought the process to a close.

Kristen and her husband worked through their problems with the support of other Christians, and as Kristen put her focus on God and allowed Him to strengthen her heart, she was able to fully forgive. A month later they reunited, and as they both became grounded in God’s word, their marriage flourished.

Penny realized forgiveness was a choice she was making, not because she’d been told she must, but because she recognized the tremendous mercy and power in God’s forgiveness of her own sins. She knew she’d made mistakes too, and if God was able to forgive her, the forgiveness of her husband was a small thing for God to ask. With humility, they submitted themselves to leaders in their church who shepherded them until their marriage was fully restored.

True forgiveness takes place when we release our hurt and let go of it, acknowledging that our spouse is a fallen human being, who is perhaps doing the best he or she can with the limited resources in their emotional, relational, and spiritual arsenal. When we anchor our hearts on the rock of God’s love, the forgiveness of our spouse enables us to release our pain into God’s healing hands. As grace shatters the threat of growing bitterness, it plants the seeds of a more intimate relationship. Husband and wife experience the refreshing rush of freedom and the ability to fully love. By

COME IN AND SEE ME TODAY!!
Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

 

 

5 Habits of Highly Effective Communicators

5 Habits of Highly Effective Communicators

It’s no secret that good leaders are also good communicators.  And the best leaders have learned that effective communication is as much about authenticity as the words they speak and write.

Indeed, communication and leadership are inextricably tied. How can you galvanize, inspire or guide others if you don’t communicate in a clear, credible, authentic way?

Here are 5 essential communication practices of effective leaders.

1.    Mind the say-do gap. This is all about trust, which is the bedrock of effective leadership. Your behavior is your single greatest mode of communication, and it must be congruent with what you say. If your actions don’t align with your words, there’s trouble. And it can turn into big trouble if not corrected swiftly and genuinely.  Since it’s often difficult to see the say-do gap in yourself, rely on a few trusted colleagues to tell it to you straight and flag discrepancies. Rule of thumb: it’s better to say nothing or delay your communication until you’re certain that your actions will ring true.

2.    Make the complex simple.   Your employees and customers are being bombarded 24/7 by information, making it hard for them to hear you. Simplicity has never been more powerful or necessary. Effective leaders distill complex thoughts and strategies into simple, memorable terms that colleagues and customers can grasp and act upon. If you’re having trouble distilling something to its essence, it may be that you don’t understand it. So get clear and look out for technical jargon and business speak, which add complexity. Say what you mean in as few words as possible.

3.   Find your own voice. Use language that’s distinctly your own. Let your values come through in your communication. Often, executives will opt for the sanitized “corporate voice” instead of their own because they think the former is more eloquent; more appropriate. This is not to say that correct grammar and use of language aren’t important — strong leaders know how to string a sentence together. But don’t fixate on eloquence; concentrate on being distinct and real. People want real. People respect real. People follow real. Don’t disguise who you are. Be genuine, and people will respect you for it.

4.    Be visible. Visibility is about letting your key stakeholders get a feel for who you are and what you care about. It’s easy to hide behind a computer and transmit messages to others without seeing or interacting with them. Although e-communication serves a valuable purpose, it is no substitute for face-to-face and voice-to-voice communication. In today’s environment, people are often burned out and need to feel a personal connection to you and the work that you believe in.  Do a “calendar test” to make sure you’re allocating time regularly to be out on the floor, in the factory, in the call center, in the lab, in the store. Show your people that you’re engaged and care about them and their work.

WE BUY STERLING SILVERWARE
COME IN AND SEE ME TODAY!!
Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

 

How to Sleep Better

Tips for Getting a Good Night’s Sleep

How to Sleep Better

When it comes to sleep, it’s not just quantity that matters—it’s quality. How you feel during your waking hours often hinges on how well you sleep. Similarly, the cure for daytime fatigue and sleep difficulties can often be found in your daily routine and lifestyle choices. Experiment with the following tips to find the ones that work best to improve your sleep and leave you feeling productive, mentally sharp, emotionally balanced, and full of energy all day long.

How to sleep better tip 1: Support your body’s natural rhythms

Getting in sync with your body’s natural sleep-wake cycle, or circadian rhythm, is one of the most important strategies for sleeping better. If you keep a regular sleep-wake schedule you’ll feel much more refreshed and energized than if you sleep the same number of hours at different times, even if you only alter your sleep schedule by an hour or two.

  • Try to go to sleep and get up at the same time every day. This helps set your body’s internal clock and optimize the quality of your sleep. Choose a bed time when you normally feel tired, so that you don’t toss and turn. If you’re getting enough sleep, you should wake up naturally without an alarm. If you need an alarm clock, you may need an earlier bedtime.
  • Avoid sleeping in—even on weekends. The more your weekend/weekday sleep schedules differ, the worse the jetlag-like symptoms you’ll experience. If you need to make up for a late night, opt for a daytime nap rather than sleeping in. This allows you to pay off your sleep debt without disturbing your natural sleep-wake rhythm.
  • Be smart about napping. While napping is a good way to make up for lost sleep, if you have trouble falling asleep or staying asleep at night, napping can make things worse. Limit them to 15 to 20 minutes in the early afternoon.
  • Fight after-dinner drowsiness. If you get sleepy way before your bedtime, get off the couch and do something mildly stimulating, such as washing the dishes, calling a friend, or getting clothes ready for the next day. If you give in to the drowsiness, you may wake up later in the night and have trouble getting back to sleep.

How to sleep better tip 2: Control your exposure to light

Melatonin is a naturally occurring hormone controlled by light exposure that helps regulate your sleep-wake cycle. Your brain secretes more melatonin when it’s dark—making you sleepy—and less when it’s light—making you more alert. However, many aspects of modern life can alter your body’s production of melatonin and shift your circadian rhythm.

Use these tips to keep your sleep-wake cycle on track.

During the day:

  • Expose yourself to bright sunlight in the morning. The closer to the time you get up, the better. Have your coffee outside, for example, or eat breakfast by a sunny window. The light on your face will help you wake up.
  • Spend more time outside during daylight. Take your work breaks outside in sunlight, exercise outside, or walk your dog during the day instead of at night.
  • Let as much natural light into your home or workspace as possible. Keep curtains and blinds open during the day, and try to move your desk closer to the window.
  • If necessary, use a light therapy box. This simulates sunshine and can be especially useful during short winter days.

At night:

  • Avoid bright screens within 1-2 hours of your bedtime. The blue light emitted by your phone, tablet, computer, or TV is especially disruptive. You can minimize the impact by using devices with smaller screens, turning the brightness down, or using light-altering software such as f.lux.
  • Say no to late-night television. Not only does the light from a TV suppress melatonin, but many programs are stimulating rather than relaxing. Try listening to music or audio books instead.
  • Be smart about e-readers. Devices that are backlit, such as the Kindle Fire or the iPad, are more disruptive than e-readers that don’t have their own light source—or good old-fashioned books.
  • When it’s time to sleep, make sure the room is dark. Use heavy curtains or shades to block light from windows, or try a sleep mask. Also consider covering up electronics that emit light.
  • Keep the lights down if you get up during the night. If you need some light to move around safely, try installing a dim nightlight in the hall or bathroom or using a small flashlight. This will make it easier for you to fall back to sleep.

How to sleep better tip 3: Get regular exercise

Regular exercisers sleep better and feel less sleepy during the day. Regular exercise also improves the symptoms of insomnia and sleep apnea and increases the amount of time you spend in the deep, restorative stages of sleep.

  • The more vigorously you exercise, the more powerful the sleep benefits. But even light exercise—such as walking for just 10 minutes a day—improves sleep quality.
  • It can take several months of regular activity before you experience the full sleep-promoting effects. So be patient and focus on building an exercise habit that sticks.

For better sleep, time your exercise right

Exercise speeds up your metabolism, elevates body temperature, and stimulates hormones such as cortisol. This isn’t a problem if you’re exercising in the morning or afternoon, but too close to bed and it can interfere with sleep.

  • Try to finish moderate to vigorous workouts at least three hours before bedtime.
  • If you’re still experiencing sleep difficulties, move your workouts even earlier.
  • Relaxing, low-impact exercises such as yoga or gentle stretching in the evening can help promote sleep.

How to sleep better tip 4: Be smart about what you eat and drink

Your daytime eating habits play a role in how well you sleep, especially in the hours before bedtime.

  1. Limit caffeine and nicotine. You might be surprised to know that caffeine can cause sleep problems up to ten to twelve hours after drinking it! Similarly, smoking is another stimulant that can disrupt your sleep, especially if you smoke close to bedtime.
  2. Avoid big meals at night. Try to make dinnertime earlier in the evening, and avoid heavy, rich foods within two hours of bed. Spicy or acidic foods can cause stomach trouble and heartburn.
  3. Avoid alcohol before bed. While a nightcap may help you relax, it interferes with your sleep cycle once you’re out.

Avoid drinking too many liquids in the evening. Drinking lots of fluids may result in frequent bathroom trips throughout the night. Authors: Melinda Smith, M.A., Lawrence Robinson, and Robert Segal, M.A. Last updated: July 2016

A GIFT FOR YOU! MASON KATY GOLDWISER

EXPERIENCE MASON KATY GOLDWISER AWESOME REFERRAL PROGRAM WHEN YOU SHARE WITH A FRIEND OR FAMILY MEMBER our services.

Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

 

WINNING ATTITUDE

WINNING ATTITUDE

Most everybody wants to be successful and want to make a difference in the world. The Key! The greatest difference maker in your life is inside you…your attitude How I respond to difficulties and negative circumstances DETERMINES  what I will be able to accomplish in this life. 

Your attitude will either be your greatest ally or your greatest hindrance… The RightPortrait of smiling business people with thumbs up against white

Attitude John 16:33 AMP I have told you these things, so that in Me you may have [perfect] peace and confidence. In the world you have tribulation and trials and distress and frustration; but be of good cheer [take courage; be confident, certain, undaunted]! For I have overcome the world. [I have deprived it of power to harm you and have conquered it for you.] Good Cheer – Overflowing, Exuberant Joy! 

Where do Attitudes Come From?
– Home
– Background
– Environment
– Experiences
– People: Greatest influence |Don’t let people control you.

Your attitude affects every area of your life…
– Expression on your face images (1)
– The things that you say
– Body language
– Work habits
– Personality
– The way you dress
– Health

Proverbs 23:7 As [a man] thinks in his heart so is he… Your attitude will make you miserable or joyful – Don’t allow yourself to be surrounded by negative people– You don’t have to be joyless, miserable and stressed out during times of adversity.

What you think about the most is what determines your attitude mindset – A mental attitude determines a person’s interpretation and response to  situations. – A mindset is the internal dialog that you have within yourself on a continually basis. – Your mindset is established when you take information about the world around you and that information interpreted, filtered and stored in particular way.

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Mindset and Attitude
Positive Mindset – Positive Attitude
Negative Mindset – Negative Attitude

Keys You Need to Know
You will always have positive and negative thoughts. The issue is which of these
thoughts are more dominant in your mind. Make the choice to be a person with an excellent attitude.

John Maxwell Becoming an “I Can” Person

Goldwiser wants to help you maintain a great attitude with your unwanted gold and silver. Come and see us today so that we can give you the best price for your gold or silver.

A GIFT FOR YOU! MASON KATY GOLDWISER

EXPERIENCE MASON KATY GOLDWISER AWESOME REFERRAL PROGRAM WHEN YOU SHARE WITH A FRIEND OR FAMILY MEMBER our services.

Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.
– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com

 

How to Manage Money in Your 30s

How to Manage Money in Your 30s

Your 30s can be a pretty significant decade. You might be transitioning from the more carefree days of a post-collegiate lifestyle and hitting major life milestones, such as buying a home, getting married or having kids. Or you might be planning major life adventures, climbing up the career ladder or all of the above. Whatever your path, you likely face some significant money decisions, and the choices you make can end up impacting your finances for years to come.

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A report released from the Pew Research Center earlier this month shows that millennials, the oldest of whom are just entering their 30s now, face higher student debt and unemployment levels along with lower income and wealth levels compared to previous generations at the same age. At the same time, they are optimistic about their economic futures, with most (80 percent) saying they have enough money now or will one day to “lead the lives they want.”

To increase the chances that such an optimistic outlook comes true, here are seven money moves that financial experts say you should consider in your third decade:

1. Save when you can.

“If you’ve gotten your salary up to the point where student loan debt is not wreaking havoc in your life anymore, but before you have a lot of responsibilities, that’s a great opportunity to super-charge your savings,” says Jean Chatzky, financial editor of the Today Show and author of “Money Rules: The Simple Path to Lifelong Security.” When parenting responsibilities and mortgage costs take off, for example, it can be hard to save more. “You want to take advantage of the opportunities you have to sock away some money so when the leaner years come around, you don’t beat yourself up,” she adds.

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2. Create solid habits.

It’s also time to establish financial habits that will serve you well for the rest of your life. Kerry Hannon, personal finance expert and author of “Great Jobs for Everyone 50+,” says in her 30s, she maxed out her retirement savings accounts and even set aside a portion of her extra freelance income for retirement. “Those funds have served me well over the years as mad money to help pay for vacations and more. I still save outside of retirement accounts religiously in my 50s, too. It’s a habit I started back in my 30s,” she says.

3. Plan out your goals and priorities.

“Hopefully you’re starting to become established in your career and can begin to contribute, if you’re not already, to an employer-sponsored retirement plan, and begin to think about other savings goals, too, like a home purchase or college savings,” says Suzanna de Baca, vice president of wealth strategies at Ameriprise Financial.

Trent Hamm, founder of the personal finance website The Simple Dollar and a U.S. News My Money blogger, says at age 35, he’s now reflecting on his career goals for the next 30 years. “What would I like to be doing with my time and my life? I don’t want the rest of my life to be a repetition of what I’m doing now and then an abrupt retirement. I have dreams and goals, and right now is the best time to get started on them,” he says.

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For many people, a financial advisor helps with that. Bart Astor, author of “AARP Roadmap for the Rest of Your Life,” says your 30s is the ideal time to sit down with a financial advisor and talk, which is what he started doing in his mid-30s. He says he and his advisor met once a year to review savings and other financial goals, especially since he and his wife were meeting their goals. “When I hit 40, the plan showed that we should have about $188,000 in assets based on our salaries, and we had over $200,000, and boy, did that make us feel good,” he says.

4. Talk about money with your partner.

If you have a spouse or partner, then getting on track together and working out any disputes can prevent conflicts later. “People often comingle finances with their partner, and open communication is key. Make sure you talk about your finances and life goals with your partner, and align on how you will get there together,” de Baca urges.

5. Get comfortable with negotiation.

Nancy L. Anderson, 52, a certified financial planner in Park City, Utah, says while she did a lot of things right in her 30s, including investing 20 percent of her income, buying a home, investing in rental property and saving for her child’s college education, she also wished she had negotiated her salary more assertively. “If I’d negotiated a higher salary each time I changed companies in my career, I’d be wealthier today,” she says. Since most people change jobs about 11 times in their careers, negotiating those transitions can end up making you more than $600,000 richer over your career, she adds.

6. Be a good role model.

For those 30-somethings who are already parents, Beth Kobliner, author of “Get a Financial Life” and member of the President’s Advisory Council on Financial Capability for Young Americans, says it’s important to model smart financial choices for the little eyes watching you. “You lose all credibility lecturing your little kids about not needing every new toy or tech gadget if you, behind closed doors, have loud arguments with your spouse about not being able to keep up with your credit card bills,” she says. You don’t have to be a money genius, she adds, but it’s important to talk about money – making financial discussions as commonplace as soccer practice or Sunday dinner.

7. Shore up your cash reserves.

While many experts emphasize long-term investing and retirement savings, Tim Maurer, director of personal finance for the BAM Alliance of independent advisors, says he wishes he had kept more money in pure cash savings to give himself a better buffer for unexpected needs and expenses. “Much, maybe too much, financial planning is focused exclusively on the long, long-term,” he says, “and while it’s true that real estate can be a great way to build wealth and one should start saving as early as possible for retirement, it’s the unexpected changes in life that often derail 30-something households. Our financial plans should address the short-term, too.”

Maurer points out that your 30s are often a time of “volcanic change” in your personal and professional life, and having a nicely padded bank account can help smooth over some of those transitions. By  Kimberly Palmer

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FOCUS ON LIFE, NOT THINGS THAT ARE OUT OF YOUR HANDS

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COME IN AND SEE ME TODAY!!
Goldwiser wants to help you reach your financial goals. Come in a see me today! Goldwiser believes in the importance of investing, saving and maximizing your income. Our goal is to offer you the best prices for your unwanted gold or silver. Come in and see me today.

– Have gifts cards that you do not use? | We Purchase gift cards
Ask for Franco
530 South Mason Road
Katy, TX 77450
follow me on my daily blogs
http://masonroad.goldwiser.com/
https://masongold.wordpress.com