Toxic Workplaces: How to Stay Positive
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Fri, 10/10/14 – 10:17 | Comments Off on Toxic Workplaces: How to Stay Positive

Keeping a positive mindset in a toxic work environment can be an extremely difficult task. I've spent some time in toxic work places and motivating workplaces and there is a vast difference between employee moral …

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Your Financial Crisis..Solved

Submitted by on Friday, 30 April 2010No Comment
Your Financial Crisis..Solved

So the bills are adding up, you still have some outstanding balance and it wont be another few days till you get paid. You notice that you’re spending more than you bring in and slowly drowning in debt. Well you do have a valid reason to be concern but so do millions around the world. Often people think the solution is to find a way to make more money so that they can catch up to their expenses but truth is more money may equate to more debt. I personally know people who are making $30,000 to $50,000 a year who are in a financial crisis and I also know some medical professionals and engineers who are making in excess of $100,000 whom also are going through the same crisis, if not worse. Generally speaking the more people make the more “lavish” they choose to live their lifestyle. This is true for most unless you are Warren Buffet who is one of the richest men on the planet but lives in a simple 5 bedroom home according to articles on the net which probably makes him also one of the smartest from a financial standpoint. The key really is understanding how much debt you can really afford based on your income levels. Banks use something called debt coverage ratio to understand the maximum debt you can take on given your income and lifestyle. If people just took a few minutes to do a similar simple calculation and abided by it, they would likely be more financially sound. Now that doesn’t mean you stop spending or expect to come out of debt immediately but rather this is something that will take time to work through. Get a plan together and try to understand the maximum debt you can spend and before you know it, you will find yourself not only out of debt but in a much better financial position. Keep a positive outlook, have some confidence and get those figures in check.

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