MasonRoad – GoldWiser

Whether you buy or sell, make the WISER choice

4 Credit Card Perks That Protect Your Purchases

 

4 Credit Card Perks That Protect Your Purchases

Save money and avoid headaches with these credit card benefits.

download (2)

Credit cards may be called out for causing overspending and large amounts of debt, especially during the holiday and summer seasons when gift shopping and travel are at their peaks. But some complimentary credit card benefits can actually end up saving you money.

Here are four credit card perks that might apply to your purchases:

1. Extended warranties

Extended warranties promise to cover a purchase beyond its standard manufacturer warranty. Unfortunately, extended warranties tend to be extremely costly – the more expensive the item, the more expensive the extended warranty.

However, with many credit cards, there may be no need to pay for an extended warranty. Look at your card’s benefits, and you might find that purchases made with the card are eligible for one additional year of warranty past the original manufacturer’s warranty. For instance, American Express will add one extra year to the original manufacturer’s warranty of five years or less.

download (3)

Extended warranties from a credit card could yield plenty of savings, especially if you’re shopping for electronics and gadgets.

2. Price protection

It is understandable to be upset when an item drops in price soon after you bought it – like when the new flat-screen HDTV you purchased for $1,000 goes on sale for $800 one week later. Some retailers will refund the difference in price if you ask, but many do not.

Through price protection from your credit card, you may be reimbursed for the difference in price if you can prove that the cost dropped in a certain period of time following your purchase.

Citi offers a program called Price Rewind that lets credit card customers track the prices of recent purchases and request refunds if the price falls by at least $25 within 30 days of the purchase. Most price protection programs, however, will require you be vigilant in catching price drops.

images (4)

3. Purchase protection

It’s one of the worst feelings when your expensive, new gadget is broken or stolen before you had time to truly enjoy it. One credit card perk will help ease the pain if such an event occurs.

Purchase protection is an insurance policy against accidental damage or theft of an item during a period following the purchase. The coverage window and reimbursement limits vary from card issuer to card issuer. Additionally, you may be asked to provide a receipt and proof of damage or theft, like a police report.

Certain exceptions apply to purchase protection. For example, Discover’s purchase protection service excludes damage caused by power surges, mold and “acts of God.”

4. Refund protection

Refund protection, or return protection, is a benefit that will come in handy if you try to return an item, but the merchant won’t take it back. Such instances are common when you have an unused or unopened item, but you waited too long and missed the refund window period.

With refund protection, your credit card issuer may reimburse you for the purchase price (coverage maximums may apply), if the purchase was made with the credit card. For example, a store’s return policy may state that returns are accepted up to 30 days after the purchase, but your card’s refund protection policy may cover you up to 60 or 90 days after the purchase. In some cases, your card issuer may require that you ship the eligible item to them.

Hands giving money

For those impulsive purchases or rejected gifts, refund protection allows you to get that money back.

 

 

 

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

 

Exercise: 7 benefits of regular physical activity

Exercise: 7 benefits of regular physical activity

You know exercise is good for you, but do you know how good? From boosting your mood to improving your sex life, find out how exercise can improve your life.

Want to feel better, have more energy and perhaps even live longer? Look no further than exercise. The health benefits of regular exercise and physical activity are hard to ignore. And the benefits of exercise are yours for the taking, regardless of your age, sex or physical ability. Need more convincing to exercise? Check out these seven ways exercise can improve your life.

group-exercise

No. 1: Exercise controls weight

Exercise can help prevent excess weight gain or help maintain weight loss. When you engage in physical activity, you burn calories. The more intense the activity, the more calories you burn. You don’t need to set aside large chunks of time for exercise to reap weight-loss benefits. If you can’t do an actual workout, get more active throughout the day in simple ways — by taking the stairs instead of the elevator or revving up your household chores.

No. 2: Exercise combats health conditions and diseases

 

Worried about heart disease? Hoping to prevent high blood pressure? No matter what your current weight, being active boosts high-density lipoprotein (HDL), or “good,” cholesterol and decreases unhealthy triglycerides. This one-two punch keeps your blood flowing smoothly, which decreases your risk of cardiovascular diseases. In fact, regular physical activity can help you prevent or manage a wide range of health problems and concerns, including stroke, metabolic syndrome, type 2 diabetes, depression, certain types of cancer, arthritis and falls.

exercise

No. 3: Exercise improves mood

 

Need an emotional lift? Or need to blow off some steam after a stressful day? A workout at the gym or a brisk 30-minute walk can help. Physical activity stimulates various brain chemicals that may leave you feeling happier and more relaxed. You may also feel better about your appearance and yourself when you exercise regularly, which can boost your confidence and improve your self-esteem.

No. 4: Exercise boosts energy

 

Winded by grocery shopping or household chores? Regular physical activity can improve your muscle strength and boost your endurance. Exercise and physical activity deliver oxygen and nutrients to your tissues and help your cardiovascular system work more efficiently. And when your heart and lungs work more efficiently, you have more energy to go about your daily chores.

No. 5: Exercise promotes better sleep

Struggling to fall asleep? Or to stay asleep? Regular physical activity can help you fall asleep faster and deepen your sleep. Just don’t exercise too close to bedtime, or you may be too energized to fall asleep.

No. 6: Exercise puts the spark back into your sex life

Do you feel too tired or too out of shape to enjoy physical intimacy? Regular physical activity can leave you feeling energized and looking better, which may have a positive effect on your sex life. But there’s more to it than that. Regular physical activity can lead to enhanced arousal for women. And men who exercise regularly are less likely to have problems with erectile dysfunction than are men who don’t exercise.

WorkoutPlan3 (1)

 

No. 7: Exercise can be fun

 

Exercise and physical activity can be a fun way to spend some time. It gives you a chance to unwind, enjoy the outdoors or simply engage in activities that make you happy. Physical activity can also help you connect with family or friends in a fun social setting. So, take a dance class, hit the hiking trails or join a soccer team. Find a physical activity you enjoy, and just do it. If you get bored, try something new.

The bottom line on exercise

Exercise and physical activity are a great way to feel better, gain health benefits and have fun. As a general goal, aim for at least 30 minutes of physical activity every day. If you want to lose weight or meet specific fitness goals, you may need to exercise more. Remember to check with your doctor before starting a new exercise program, especially if you haven’t exercised for a long time, have chronic health problems, such as heart disease, diabetes or arthritis, or you have any concerns.

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

How to Save Money Around the House

 

How to Save Money Around the House

These three simple steps will help reduce your household expenses.

Slash electricity costs. Electricity is one of the biggest monthly bills in our household. So we’ve decided to do everything we can to live a more energy-efficient lifestyle. First, we lower or turn off our air-conditioning. A few well-placed fans in the right rooms will work wonders for your home. Although you may not feel that cold breeze on scorching summer days, a few powerful fans in common rooms will keep things comfortable. On incredibly hot days, this won’t be enough, but in most cases, it will.

download (1)

Next, try to use major appliances sparingly. Although the major appliances in your house are great for convenience, keep in mind that they were not always around. There are ways around using them at all but that’s too extreme for us. My family has tried to make a conscious effort to use these big-ticket energy items as little as possible, and you should too! The stove uses far more energy than the grill, for example, so on nice days, we almost always grill.

Third, try to turn off the lights as much as possible, especially when you leave the room or your house. While one light bulb might not seem like much energy, it adds up over time.

Limit phone, cable and Internet costs. The first thing I would encourage you to do while analyzing these expenses is to establish how necessary each one of them actually is to your house. Do you have a cell phone? If so, how necessary is your house phone? Do you really need cable or can you watch pretty much anything you want through online streaming video?

Another frugal option is to bundle services together. Even if you currently have multiple service providers for all three of these services, often times one of them will offer great incentives, like no installation fees, to get you to bundle. You can also take the time to compare prices from various companies in your area. Some companies will even reward you for switching providers at the time of signing up.

download (6)

You should also try negotiating. Since companies are so competitive, they are often willing to cut their prices to keep (or gain) your business.

Save on produce. Produce prices have gone up exponentially in recent years. However, that doesn’t necessarily need to affect you. First, you can grow a personal garden. My family has recently transformed a portion of our yard into our own personal produce provider. What started out as a chore quickly turned into a fun hobby that everyone now enjoys taking part in. We all took a trip to our local home and garden store and were able to individually pick exactly what we wanted to grow. The excitement our new plants provided was all the motivation we needed to get the prep work done. Now we are well on our way to enjoying great produce for just the cost of seeds, water and a little bit of tender love and care.

If you don’t happen to live in a house with a yard, a community garden might be a great option for you. Present the idea to your neighbors and take it to your apartment manager. Often times they will help you pick the perfect spot for the new garden. This is also a great way to spend some quality time with your neighbors and get to know the people who live near you. Not everyone will grow the same things, so don’t forget to share. By Joshua Rodriquez.

 images (3)

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

5 Powerful Strategies for Creating a Powerful Mindset

5 Powerful Strategies for Creating a Powerful Mindset

Building a business is a fantastic and challenging experience.  You can wake up exhilarated to begin your day and go to bed feeling overwhelmed and frustrated.  The key to success is to maintain a positive “yes, I can do it” mindset.

images (2)

Easier said than done, right?  Here are 5 keys to help you create and sustain a positive mindset so you attain the success you desire:

 

1. Surround yourself with successful and positive people.  The influence people have over our own personal energy is amazing.  Moods and attitudes are so imitated – think about how much of a difference a simple smile from a stranger can make for your day and then magnify it 1,000 times to demonstrate the power of positive and successful friends, family and associates.  When you have people around you who inspire you, believe in you and want you to succeed, there’s no room for doubts and even when they creep up, they’re quickly swept away.

 

 

images (1)

2.Create a mantra or an affirmation.  Repeating positive affirmations has been shown to get people through tough times and to actually help them truly believe what they’re saying. For example, “I am building a powerful and profitable business.” Many of the most esteemed business professionals have used the same affirmation strategy to attain their success. To find the right affirmations for you, consider writing a quick list of your doubts, insecurities and complaints. These can then be quickly turned into affirmations.For example, if you write that you’re always feeling disorganized then your affirmation could be, “I am organized and in control.”  Repeat your affirmations several times a day, take action in harmony with your thoughts and feel the power of positive thinking.

 

3.Capture and eliminate negative thoughts. We all have negative thoughts from time to time, however, left unaddressed negative thoughts and emotions can derail us and prevent us from achieving all we desire. Of course catching those negative thoughts takes practice and persistence. When you find yourself thinking negative thoughts or having negative emotions, find a trigger to turn them around. The affirmations mentioned above are a great way to turn the negative into the positive. You can also find quick pick me ups like a favorite song, a walk outside in the fresh air, or some exercise to help improve your mood. Also, keep track of all of the good things you do to help you remember how far you’ve come.

 

4.Set goals/intentions and then be willing to let it go. The law of attraction says that we attract what we focus on the most.  However, desperation clutters your mind and creates negative energy around you. Set your goals, create a plan of action and work that plan. It’s likely to NOT go exactly according to plan, but making steady progress will keep your momentum strong and your mind focused. Give it a try.

 

 

download

5.Be grateful and generous.  Gratitude is perhaps the single most powerful and positive tool for success.  When you’re grateful for all of the wonderful things and people in your life the challenges you face seem significantly less important and are more easily dealt with. Be generous in your support of others. Offer referrals, support your industry, give of your expertise. You’ll build goodwill and continually open doors of opportunity for yourself.Consider keeping a gratitude journal and make a practice of writing in it daily. That way, when you’re facing challenges a quick peek at all the amazing things in your life will make you feel as if you can tackle anything. Additionally, an attitude of gratitude helps you maintain a positive perspective and to face challenges as opportunities rather than obstacles.

 

Success is within your reach and with the right attitude you can accomplish anything you set your sights on.  Embrace these five powerful mind success strategies and you’ll build a better business and live a happier, more satisfying life.By Sydni Craig- Hart

 

 

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

Improving Your Self Image

 

Improving Your Self Image

Improving your self-image, like improving any skill, takes time and practice. Developing good self-esteem involves encouraging a positive (but realistic) attitude toward yourself and the world around you and appreciating your worth, while at the same time behaving responsibly towards others. Self-esteem isn’t self-absorption; it’s self-respect.

By working from the inside out (focusing on changing your own way of thinking before changing the circumstances around you), you can build your self-esteem. The goal of this positive thinking is to give yourself a more positive self-concept, while seeing yourself honestly and accepting yourself, and removing the internal barriers that can keep you from doing your best.

man-looking-in-mirror

Positive Thinking

There are many ways a person can change negative thoughts and self-criticism to more realistic and positive thoughts. Focusing on all of them at once may be overwhelming, but focusing on a few at a time and reminding yourself of these positive approaches regularly can change your self-esteem.

Read the positive thought strategies below and choose several that would help you most. Write them down and remind yourself to pause and change your way of thinking each time you are being critical of yourself. As you become more comfortable with each new way of thinking (for example, learning not to apologize or accept blame for other’s anger) try adding a new positive thought strategy to your list.

Positive Thought Strategies

  • Avoid exaggerations.
    Correct your internal voice when it exaggerates, especially when it exaggerates the negative. Try to avoid thinking in extreme terms (“I always make that mistake” or “I’ll never get that promotion.”)

 

  • Nip negative thoughts in the bud.
    Sometimes putting a stop on negative thinking is as easy as that. The next time you start giving yourself an internal browbeating, tell yourself to “stop it!” If you saw a person yelling insults at another person, you would probably tell them to stop. Why do you accept that behavior from yourself?
  • Accentuate the positive.
    Instead of focusing on what you think are your negative qualities, accentuate your strengths and assets. Maybe you didn’t ace the test you were studying for, but maybe your hard work and perseverance led to a better grade than you would have had. Maybe you felt nervous and self-conscious when giving a presentation at work, but maybe your boss and coworkers respected you for getting up and trying.

images

 

  • Accept flaws and being human.
    Maybe you did get nervous and blow that presentation at work – so what? Talk to your boss about what went wrong, try to address the error in the future, and move on. All people have flaws and make mistakes. Your boss, coworkers, friends, family, postman, congressman, and favorite movie star have all made mistakes. They’ve forgiven themselves; so can you.

 

  • Accept imperfections.
    Perfection is a high goal to aim for — you don’t need to start there or even end there. Make doing your best your ideal — what more can you realistically do? Focus on what you’ve gained from the process and how you can use it in the future. Avoid focusing on what wasn’t done or ‘should have’ been done differently. Allow yourself to make mistakes and then forgive yourself. Try laughing instead of criticizing.

woman-looking-mirror-dress-0111-298x232

 

  • Don’t bully yourself!
    “Should have, could have, would have … ” Try not to constantly second guess yourself, criticize yourself for what you “should” have done better, or expect too much from yourself. Don’t put standards on yourself that you wouldn’t expect from others. It’s great to want to do well, but expecting yourself to be perfect (which is impossible) and then punishing yourself when you fail is a vicious cycle. Using expressions like “I should have” is just a way of punishing yourself after the fact.

 

  • Replace criticism with encouragement.
    Instead of nagging or focusing on the negative (in yourself and others), replace your criticism with encouragement. Give constructive criticism instead of being critical (“maybe if I tried to do ____ next time, it would be even better” instead of “I didn’t do that right.”) Compliment yourself and those around you on what you have achieved (“well, we may not have done it all, but we did a pretty great job with what we did”.)

 

  • Don’t feel guilty about things beyond your control.
    You are not to blame every time something goes wrong or someone has a problem. Apologizing for things and accepting blame can be a positive quality, if you are in the wrong and if you learn and move on. But you shouldn’t feel responsible for all problems or assume you are to blame whenever someone is upset.

man-looking-in-the-mirror-and-is-sad-200x300

 

  • Don’t feel responsible for everything.
    Just as everything is not your fault, not everything is your responsibility. It’s okay to be helpful, but don’t feel the need to be all things (and do all things) for all people. This is taking too much of a burden on yourself AND limiting those around you. Let others be responsible for themselves and their actions — you shouldn’t feel responsible for their happiness.

 

  • Do feel responsible for your feelings.
    Just as you can’t “make” other people happy, don’t expect others to “make” you feel happy or good about yourself. In the same way, they shouldn’t make you feel guilty or bad about yourself. You create your own feelings and make your own decisions. People and events may have an affect on your emotions, but they can’t dictate them.

 

  • Treat yourself kindly.
    People often feel more comfortable treating themselves in ways they wouldn’t consider treating others. Do you criticize yourself with terms like “stupid” “ugly” or “loser”? Would you use those terms to describe a friend? Remind yourself that you deserve to be treated as well as you treat others. Do something nice for yourself sometimes — either in thought (give yourself a compliment) or action (treat yourself to a nice dinner or new book.)

 

  • Give yourself a break.
    You don’t need to be all things to all people or please everyone. Give yourself permission to decide you’re doing the best you can. Remind yourself when you’re doing things well — don’t wait to hear it from someone else.

 

  • Choose the brighter side of things.
    You can choose how to interpret comments and events, so try for the more positive interpretations. If someone says, “You look good today,” don’t ask yourself “What was wrong with the way I looked yesterday?” Accept compliments graciously (don’t ask yourself why you haven’t been complemented on something else or why you haven’t complemented you before.) Look at temporary setbacks as opportunities for growth.

Young Man with His Hand on His Forehead

  • Forgive and forget.
    Try not to hang on to painful memories and bad feelings - this is a surefire way to encourage negative thoughts and bad moods. Your past can control you if you don’t control it. If you can, forgive past wrongs and move on. (Don’t forget that forgiving yourself is an important part of this process, too!) If you have a hard time forgiving or forgetting, consider talking through your emotions with a good friend or counselor, but try not to dwell. It’s important to work through things, but you can’t let the past determine your future.

 

  • Focus on what you CAN do, not what you can’t.
    Avoid “can’t” thinking or other negative language. If you say something often enough, you may start to believe it, so keep your statements positive, not negative. Don’t be afraid to seek help in accomplishing things, but remind yourself that you don’t need approval from others to recognize your accomplishments. Focus on what you’re able to do. Remind yourself of all your capabilities and positive qualities.

Using just one or two of the above strategies on a regular basis can greatly increase your positive self-image and self-esteem. Making these internal changes will increase your confidence in yourself and your willingness and ability to make external changes and improve your life.

 

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

 

 

A look at where things stand in the NBA playoff picture, with five days remaining in the regular season

A look at where things stand in the NBA playoff picture, with five days remaining in the regular season:

EAST UPDATE

Friday was a wild night, where six of the top seven seeds changed.

Miami beat Indiana to move back on top of the Eastern Conference, a half-game ahead of the Pacers. If Miami (54-25) wins its three remaining games, the Heat will be the top seed in the East bracket — but the Pacers (54-26) would win any tiebreakers.

Chicago rallied from 18 down to top Detroit and that, combined with Toronto’s loss to New York, moved the Bulls up to No. 3 and Toronto down to No. 4. But the Raptors clinched the Atlantic Division title when Atlanta beat Brooklyn. Also, Washington won and Charlotte lost, so the Wizards are up to No. 6, while the Bobcats slip to No. 7.

Miami Heat's LeBron James dunks as Indiana Pacers' …

Atlanta’s magic number to eliminate the Knicks and clinch the final spot is one.

___

WEST UPDATE

San Antonio wrapped up the No. 1 seed throughout the NBA playoffs, coming from 21 down to beat Phoenix for its 62nd win of the season.

Golden State got a triple-double from Stephen Curry in beating the Los Angeles Lakers, clinching a second straight postseason trip for the Warriors. Houston continued being defense-challenged — giving up 51 by Corey Brewer — and saw its lead in the race for No. 4 trimmed to a half-game over Portland; the Rockets lost to Minnesota, and the Trail Blazers won in Utah.

Chicago Bulls forward Taj Gibson (22) dunks against …

Memphis beat Philadelphia and that, combined with the Suns’ collapse at San Antonio, moved the Grizzlies into No. 8 and dropped Phoenix to No. 9.

___

SATURDAY’S GAMES

Sacramento at L.A. Clippers: Clips could still finish ahead of Miami and Indiana, might mean something come Finals-time.

Milwaukee at Washington: Wizards control destiny in race to finish No. 6 in East, and avoid Heat or Pacers in first round.

San Antonio Spurs forward Tim Duncan sits on the bench …

Philadelphia at Charlotte: Bobcats let a chance slip away Friday in Boston. Can’t do it again if they want to reclaim No. 6 in East.

Miami at Atlanta: Hawks could clinch playoff berth. Heat looking for repeat of intensity they brought Friday against Indiana.

Boston at Cleveland: No playoff impact here. Cavs need to go 1-1 in final two to avoid 50-loss season.

New Orleans at Houston: Rockets still haven’t wrapped up home-court for first round. Pelicans have lost seven straight.

Phoenix at Dallas: Game of the night. Dallas starts night No. 7 in West, Phoenix at No. 9 — and they’re separated by a half-game.

San Antonio Spurs guard Tony Parker, of France, shoots …

Utah at Denver: Two clubs playing out the string, though Nuggets are clearly still playing like things matter to them.

___

CURRENT BRACKET

First-round matchups if the season ended Friday…

East: Miami-Atlanta, Indiana-Charlotte, Chicago-Washington, Toronto-Brooklyn.

West: San Antonio-Memphis, Oklahoma City-Dallas, L.A. Clippers-Golden State, Houston-Portland.

9 Ways to Stretch Your Paycheck

 

9 Ways to Stretch Your Paycheck

intro

Whether you’re shopping for personal care items or clothes, these tips will help you save.

1.Never pay full price.

When your budget is tight but you still need to buy essential items, it’s not always easy to know what to prioritize. These strategies will help you stretch your paycheck by making sure you always take advantage of the deepest discounts.

2.Always look for the deal.

Local drugstores often feature special deals on everything from personal care to grocery items. While the selection is generally smaller than at the grocery store, drugstores can offer even better discounts. Looking for these deals, and applying them to your purchase can generate big savings.

deal

 

 

3.Register for rewards programs.

Many stores feature rewards programs, including drugstores. Walgreens has Balance Rewards, CVS has ExtraCare and RiteAid has Wellness+. If you register for these programs you’ll likely receive frequent emails, but there will be gems among them, and you might even save 20 percent off an order. A smartphone app like Key Ring makes it easy to track account numbers for multiple programs.

 download (5)

4.Use manufacturer’s coupons.

In addition to browsing through Sunday circulars, you can also rely on websites like coupons.com to search and print coupons at no cost to you. Since most manufacturers’ coupons usually have an expiration date that is at least one month into the future, hold on to the coupons until you find a great deal.

 

5. Look out for store coupons books.

Many stores, including drugstores, offer coupon books, usually at the front of the store near the pile of circulars. They often contain many high-value store coupons that can be combined with sales and manufacturers’ coupons for additional savings.

up-rewards1

6. Shop online.

When it comes to essential drugstore items, you can often find the lowest prices online, especially when coupons are applied. Some coupons offer deeper discounts to online shoppers, and you can find everything from vitamins, cleaning supplies, personal care items and pain relievers for reduced prices.

 

7. Use blogs.

Many blogs and websites collect coupons and deals for readers, which makes your job even easier. Retailmenot.com, bargainbriana.com and moneysavingmom.com are three examples; they research and sort deals for you, and you can often match the deals with sales in circulars.

 what-kinds-of-rewards-program-credit-cards-are-available

8. Don’t pay full price.

 

Many retailers, including J.Crew, Kohl’s and the Gap, make it easy to find deals online. In fact, you should never pay full price for your purchases, at least before checking for discount codes. Signing up for the stores’ email lists will also help make sure you don’t miss out on discounts.

 

9. Get an Amazon Prime membership. 

It might sound counterintuitive, but purchasing a $79 Amazon Prime membership can actually end up saving you money. That’s because it comes with two-day shipping on most orders, movie and TV streaming and one free book rental per month. You can try out a 30-day free trial membership to see if it would end up saving you money. By Lisa Koivu

 

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

 

How to Create Your Own ‘Body of Work

How to Create Your Own ‘Body of Work

Figuring out your own story can improve your financial well-being.

investimento

How do you create financial stability in an unstable world? That’s one of the questions Pamela Slim asked as she worked on her new book, “Body of Work: Finding the Thread That Ties Your Story Together.” She had previously focused on start-ups and helping people leave corporate jobs in favor of the entrepreneurial life through her website and book, “Escape from Cubicle Nation.”

She wants to encourage people to consider a variety of ways to create wealth in their lives, instead of focusing on just one method, and even to shift fluidly between different forms of work at different stages of their lives. “People can move between different work modes – working for a company, starting a business and then going back and doing something else,” she says. The key is stepping back and considering the bigger picture of your skill set and “story” around your life and career.

 

download (3)

Slim offers these three tips to people looking for ways to improve their own financial health through their work:

1. Find your laser focus.

“Really focus on what it is you are creating in your career. What are the specific projects, the deliverables and the things that you create that you’re very proud of?” she asks. If you work for a large company in a role where it’s hard to define specific outputs, she recommends working on an outside project that allows you demonstrate your skills. “It could be an amazing SlideShare presentation, writing a book or working on a volunteer project,” she suggests.

2. Build relationships.

“Make sure you’re building relationships outside of your immediate environment, so you’re connecting with people who might have access to different client bases,” Slim says. That advice is especially important to those who are self-employed, who might not naturally rub shoulders with too many people, especially unfamiliar faces, throughout the course of a typical day. She emphasizes that it’s important to look for people who work in different types of environments than your own. “It will keep you fresh, creatively,” she adds.

 

 images (5)

3. Tell your story.

“Make sure that in every situation, when you’re talking about who you are and what you do, that it is a strong, compelling story that focuses on your strengths,” Slim says. That includes in social media: She suggests making sure your LinkedIn profile and Twitter account shares your results-oriented story “that presents you in a positive light.” If you have your own website, which she says is usually a good move, it should also share that same story, so people can immediately understand your strengths.

Mastering how to tell your story can also help you during job searches, Slim says, because you can readily explain to hiring managers what you have to offer. “You need to be able to describe how your whole life experience contributes to you being the perfect person for a position,” she says.

If you don’t tell your story, Google will do it for you, she warns. “Google is curating the story of our lives whether we like it or not,” she says. “If you hear about someone, first you Google them – what have they done, what have they written,” she says, and it’s important to know what people are learning about you, and to make any necessary adjustments. If nothing turns up on Google, that can be an even bigger wake-up call that it’s time to tell the world what you’re all about.

 

 images (6)

One of Slim’s main takeaways is that in this economy, nothing stays the same for long, even success. “When you’re very clearly preparing for volatility and [the fact that] you’re not going to have super-consistent income, you’re going to adopt different financial habits. You’ll have more savings, you’ll be more aware of spending patterns and you’ll have a side business to generate revenue,” she says.

That’s important, Slim says, in a world where your job can suddenly disappear, and your career can change very quickly and sometimes unexpectedly.

 

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

 

 

How to Find Happiness at Work

How to Find Happiness at Work

Workplace culture and regulations can make fulfillment and work-life balance especially hard.

 

Americans look to work for money, accomplishment, and personal validation. Beyond these foundational goals, workplace experts note, health and well-being are shaped by the same things that affect people in their other relationships—how they are treated, the strength and support of work-based social networks, and their ability to achieve a work-family balance that supports the rest of their lives.

images (3)

“Employment is good for your health,” says Wake Forest University sociologist Robin Simon. “Work gives people a source of social interaction as well as [makes] a financial contribution” to their lives, she says. The added stresses and documented health effects of job losses during the past several years only prove how important work is to our well-being.

While the recession has made many workplaces stressful environments, it hasn’t changed the potential benefits that people derive from supportive management and work policies. It has, at least in the short run, intensified a work culture that has already made the United States one of the least health-friendly nations in terms of working hours and lack of policies that support healthy family life.

“Work is organized in such a way that it makes it a constant challenge to maintain social and family ties,” says Lisa Berkman, a Harvard professor who has extensively studied well-being and health. “We do almost nothing in terms of how our work is organized to help families exist. Instead of facilitating that, we in the United States challenge that all the time.”

images (4)

Berkman is now involved in a family-friendly pilot program with a company that provides long-term care services. Many of its employees are women. “Managers who were open and flexible to their employees’ work and family needs had employees who had lower blood pressures” and less stress, she says. “Nurses are always on the border of being sleep-deprived, but the nurses in this program who had supportive managers slept an average of a half-hour longer” each day.

Countless studies going back decades have documented the health benefits employees get from so-called enlightened management policies. The difference today, Berkman says, is the growing body of persuasive evidence that companies can improve employee productivity, reduce staff turnover, and make more money by supporting employee well-being. Further, many companies have been surprised over the years to learn that they can trust employees to help manage their own work-life balance needs. Not only can people be trusted, but they perform better and enjoy their jobs more when they know they are trusted.

 

Teresa Amabile is co-author of The Progress Principle and a professor and director of research at the Harvard Business School. She has been studying workplace behavior and attitudes through detailed personal diaries kept by people working in different companies, industries, and even nations.

The research has produced shared components of a successful work experience that can be useful to all employees and their managers, Amabile says. “People seem to experience higher levels of well-being at work when they are intrinsically motivated,” she says. They have a passion for what they do, and the job challenges them at the very top of their skill level.

download (2)

In psychological terms, Amabile explains, a person’s “inner work life” has requirements that need to be met for them to derive the most healthful benefits from their work. These include emotions, motivations, and impressions that are tied to all aspects of their employment, and it’s noteworthy that each requirement has positive and negative components.

The issue for employees and their employers, she says, is “how do specific events influence inner work life, and how does inner work life influence performance?” Based on her diary project, Amabile says, “we found that of all the events that can make for a great work-life day, the single most prominent is simply making meaningful progress on their daily work. They have to feel there is some meaning in what they do,” she continues. “Making even small steps forward is going to lead to positive work life, and that includes happiness.”

 

The purpose of these inspired blogs is to provide motivation and insight to assist you with your life. It’s knowledge that has helped me to stay focus on the prize. Enjoy!!!

 

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com

 

 

7 Simple Ways to Stay On Budget

 

7 Simple Ways to Stay On Budget

If you struggle to stay on budget every month and find it difficult to reach your savings goals, it might be time for a new approach. Setting yourself up for financial success may require taking a closer look at your spending habits and figuring out your weaknesses. You can also adopt habits that will make you more mindful about your spending choices and shopping routine.

 

download (1)

 

Try these seven ways to stay on budget:

1. Always shop with a list – even for the small stuff.

 

You may already shop with a list when you go to the grocery store, but do you make a list for everyday purchases like household items, gas or laundry services? Even if it seems unnecessary, making a list for these items can make you more aware of the money you’re spending. This in turn can help you prioritize your purchases so you can better manage your cash flow. Make a list even when you’re heading to the hardware store, convenience store or clothing store, so you aren’t tempted to buy things you don’t really need.

 

2. Use a budgeting smartphone app.

Maybe you already use a digital budgeting tool on your computer such as Mint or You Need a Budget. But if you don’t, using a smartphone app to keep track of your budget goals can help you maintain awareness of your spending in real time. Mint, Expensify and ReadyForZero are a few easy-to-use apps that can help you monitor your budget with just a few easy taps.

 

images

3. Log expenses every day.

Instead of waiting until the end of the week, or even the end of the month, to tabulate your expenses, get into the habit of logging your expenses every day. Request a receipt whenever possible so you can go over the day’s expenditures with ease. Or pay for every purchase using the same debit card or credit card so you can track all activity for the day online. The goal here is to become more aware of your daily spending habits, so you can make positive changes.

 

4. Share your financial goals.

Confide in a friend, family member or financial advisor about your goals, and set up a plan so that person holds you accountable. For example, you could set up a weekly meeting, or send an email reporting any spending problems or challenges you are having.

5. Only spend dollars you can see.

Shopping with cash can make it easier to manage your budget and be more mindful about how much you spend. When you become used to using a debit card or credit card regularly, it can be easy to forget the value of those dollars because the transactions are processed electronically, and you never see the exchange of physical dollar bills. If you have trouble sticking with a budget, try spending only cash for a few weeks so you become more cognizant about your purchases.

 

images (1)

6. Refurbish and recycle.

Instead of trying to make room in your budget for new items or saving up to replace goods that are in relatively good condition, focus instead on fixing or refurbishing your possessions. Household furniture, appliances and home decor may just need to be refreshed with new paint or given a tuneup. Take inventory of your home, and think of ways to update your living areas without having to buy new items.

 

7. Reward yourself without spending money.

Creating your own rewards system for reaching your financial goals can help you break a pattern of bad spending habits and set you up for long-term success. Think of ways to reward yourself without spending money. Spend an afternoon enjoying a free event in your area, block off time to try a new recipe, enjoy a relaxing bath or schedule time with a friend or loved one you haven’t seen in awhile. Find ways to make the goal-setting process a positive one, so you reinforce good habits and get rid of habits that might be holding you back. By Sabah Karimi

 

images (2)

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

Other services we provide:

Want to pay your bills | We offer Bill Pay

Have gifts cards that you do not use? | We Purchase gift cards

Ask for Franco | (713)568-2468 EXT 373

530 South Mason Road

Katy, TX 77450

 www.Goldwiser.com