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Money Pros and Cons – Personal Finance Basics

Is money good or is it bad? Depending how you view it, cash can a good thing but it can be a bad thing as well. Money is good because it creates the opportunity for the exact lifestyle you want. It can fund your dreams such as going on vacation or could allow the chance for an early retirement. Cash creates the chance to have a family, live in the neighborhood you want and allows to you to do anything you desire. Proper money management is the simplest way to understand personal finance basics.

Money can be negative or a bad thing if you live for it. By slaving away at a job that you don’t like to earn cash can make it bad. Money misguides many of Americans to become workaholics and pay little attention to their loved ones.

Without a doubt cash has more pros than it does cons. Unfortunately the bad things that are associated with money are usually tied with misuse and greed.

What is Money to you?

Do you think that making lots of money to live the life of luxury is important to you or do you want to make just enough so you can kick back and enjoy a modest lifestyle. The choice is simple with hardly any grey area and we all make that choice when we deal with the personal finance basics in our lives.

If you want to work 80 hours every week so you can boot around in an expensive vehicle and live in a 3500 square foot home is how you want to live then more power to you. Unfortunately, I believe|in my opinion} you have become a slave to cash if you force yourself to work that much to drive that car or live in that home.

On the other side of the scale if you want to have 100% freedom and 0% responsibility then you have become a slave to your lifestyle. Money probably has no value to you and you earn just enough to make ends meet. Is that a bad thing? Who am I to say.

I’m certain there can be a happy medium when it comes to money. It’s possible to get all of the pros and none of the cons. Hard work is incredibly important but you should never work for money. The more you understand personal finance basics, the more it will start to give back to you and the less likely you will be a slave to it.

The best case scenario is to find an occupation that you truly enjoy and would love to do for free anyway. If you’re not happy at your job chances are it’s because you only see the dollar signs associated with the job. The way to make money a good thing to you is to alter the way you think and love where you are. Ironically, the more passion you put into everything in your life, the more the money will actually flow in. You will work less and earn more.

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Quizzes and Calculators – Personal Finance Help

I think it’s time for us to return to school. Well, you don’t really need to wait for the bus, get a new book bag, lug around about 10 pounds of paper and pens and dodge spit balls, but I think it is time for a little personal finance help. I’ve created a short quiz for you to go through to discover how well you know your finances.

1. It’s more wise to pic a longer amortization period with a mortgage because you’ll have a lower monthly payment.

a: True

b: False

2. There’s actually very little difference on the amount of interest you pay over the term of your mortgage if you pay monthly or bi-monthly.

a. True

b. False

3. What is a dividend?

a. A cash rebate distributed among lenders

b. A payment of additional shares of stock to stockholders

c. A monetary bonus to government workers

d. The opposite of multiplication

4. What is the most important financial tool you should use?

a. Planning a household budget

b. Using a computer for your taxes

c. Balancing your checkbook

d. Seeking personal finance help from a professional

5. What is an Asset?

a. A vehicle, PC or shoes

b. It is money, real estate or stocks

c. Anything owned that has exchange value

d. All of the above

ANSWERS:

1. b – False

It’s incredible how much cash you end up saving if you lessen how long you are paying a mortgage. Try making a larger payment each month so you can save save thousands upon thousands of dollars. The more quickly you can pay it off, the better.

Amortization period     Monthly payment     Total interest over the lifetime of the mortgage

35 years                            $565.25                       $137,408

25 years                            $639.81                       $91,940

20 years                            $712.19                        $70,925

Amount saved with a shorter amortization period – $66,483

2. b- False

If you make your mortgage payment every 2 weeks or twice a month you will get rid of your mortgage much faster. In fact it works out to be an extra payment each year. If you are more of a number person, this chart will provide clearer understanding and give some more personal finance help.

3. b – A payment of additional shares of stock to stockholders

Plenty of people that play with stocks only choose stocks that offer a payment of additional shares to stockholders. Think of it this way. It’s the early 1980′s and you had taken dividends as a stock option when big personal computer company’s were just starting to become popular? Lots of investors did and ended up making millions.

4. a – Planning a household budget

Each choice in question four are important financial tools that you can use but the most important one is to plan a household budget. It is wise to understand where all of the cash is going and how much you have left over to spend and save. You really should make a household budget if you want to stay on top of your finances.

5. d – All of the above

This one may have fooled you but an asset by definition is ‘anything owned that has exchange value’. Essentially an asset is really anything. Clearly some assets are wiser investments than others (such as real estate or stock options) but even the dusty old PC that you got when you headed off to college is an asset.

I hope this quiz was interesting and provided you with some of the personal finance help you deserve. You have to keep track of of your money and learn as much about your finances as possible. The more informed you are chances are you will achieve your financial goals. By now you should have created a number of personal goals.

Cheers until next time!

DID YOU LIKE THIS ARTICLE? SHARE IT WITH FRIENDS!

You can pay off your debts and save money at the same time! Say goodbye to your boss forever! A blog that will show you the secrets of the wealthy: http://www.howtomanagemoneytips.com

Get a free budget sheet, net worth calculator, tools and more: http://www.howtomanagemoneytips.com/ebook2.html

Article Source:http://www.articlesbase.com/wealth-building-articles/quizzes-and-calculators-personal-finance-help-1501755.html

This is one of those eternal questions men ask themselves in the, usually, vain attempt to understand women. However, the answer is most of the time simple and plain to see. Women love in men a series of physical traits that are largely common and determined at genetic level and also certain features that vary from one person to another. 

The physical side is rather simple since physical beauty is hard-coded in our genes. The tall, handsome man with a deep voice and a style that is practically oozing virility is guaranteed to be a hit with most women. His physical side is good. However, if he says something stupid every time he opens his trap, then it’s quite clear he would have to make do with women who either do not notice or do not care. 

But almost any lack of lustre on the physical side can be made up by another skill. Just as the basic physical attraction is almost always guided by the same principles, environment shapes people into different patterns. Some women learn to appreciate men who know how to carry an intelligent conversation and have good manners. Others like men who can cook and are willing to wash the dishes. Others are not interested in anything but sex with as many interesting partners as they can get their hands on. And, finally, some like quiet, well-bred men who will provide for their financial and physical needs for the rest of their lives.

Quite frankly, women like in men about the same things men like in women and for the same reasons, although women do emphasize the personal touch and the social skills. However, they tend to go about it in a different manner, which men find confusing.

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Article Source:http://www.articlesbase.com/men’s-issues-articles/what-women-love-in-men-1365245.html

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Since its release in 1999, the Ashton VSG has been the most successful blend of Ashton cigars to date. This is a very full-bodied cigar known for having a smooth and deep draw and a rich, complex, intoxicating flavor.

The term VSG stands for Virgin Sun Grown in reference to the fact that all tobaccos used in these cigars are sun-grown by nature. This powerful line is the personal handiwork of Carlos Fuentes Jr. himself, who worked in partnership with Ashton for a total of two years.

Four to five year-old Dominican tobacco is hand-picked from the most fertile plants. The unique flavor of the Ashton VSG comes from a wrapper that is grown on a private estate in Ecuador owned by the Oliva family where it is grown for the Fuente Family exclusively for Ashton. The wrapper matures slowly by sunlight filtered through the region’s natural cloud covering.

This is a powerful cigar with an intoxicating flavor with a complex rich finish. It is blended by Carlos Fuente Jr. using 4 to 5 year old Dominican tobacco hand-picked from the most fertile plants. The unique flavor of the VSG comes from a wrapper that is grown on a private estate in Ecuador owned by the Oliva family where it is grown for the Fuente Family exclusively for Ashton. The wrapper matures slowly by sunlight filtered through the region’s natural cloud covering.

This complex blend of flavor and color are derived from a couple of things. The first is the Dominican filler and binder that make up the heart of each of these fine cigars.

Carlos Fuente Jr. himself blends this line, using 4-5 year old Dominican tobacco that is hand-picked from his very best plants. A more complex layering of flavor derives from the superb Ecuadorian wrapper. The Ecuadorian wrapper is matured very slowly in filtered sunlight that trickles down through the natural cloud covering hovering over the Oliva familys private estate where it is grown.

The Ashton VSG is considered a full body smoke. Generally, it is most appreciated by veteran cigar aficionados who appreciate complexity in flavor and aroma. It is also a good cigar for bold new smokers who want to try something more powerful simply for the sake of appreciating the virtues of strength. Those who do so find that it has a creamy flavor as well that makes the draw as pleasant as it is powerful.

In fact, many cigar reviews have described this cigar as having an elegant, intoxicating flavor. Just after lighting, it has floral notes and flavors that remind you of plum. It also tastes distinctively of natural tobacco. Hints of spice, clove, and cinnamon are also present.

The Ashton VSG becomes moister toward the middle. Many report a leathery component and cedar sweetness. Toward the end of the smoke, a note of raw peanuts can be tasted. It is also well-loved because it has a slow, even burn thanks to an even and firm construction.

The Ashton VSG is distinctively square in shape that it has become a known form. You can also buy these cigars in a round shape if that is your preference. The most popular size is the 55 ring-size Torpedo. Ashton also makes this blend in ring sizes of 44, 46, and 52.

Everyone who smokes cigars, whether they are a novice or an experienced aficionado, knows that certain accessories go along with the hobby. Some of the most common items that cigar smokers need include butane lighters, humidors, and a cigar cutter. Of course, one of the most important accessories for those who smoke cigars is ashtrays. However, not just any old ashtray will do. You can’t really expect a small cigarette ashtray to hold your cigars ” after all, they are much larger than a cigarette. So, what is a good ashtray for cigars?

For the most part, it will depend on your personal taste. You will be able to find many different kinds of suitable astray in a plethora of styles and materials. You want to find something that matches your personal style as well as the dcor that is already in your smoking area. Consider some of the following types of ashtrays when it comes to finding something suitable.

One of the most popular types of ashtray for cigars is glass. The benefit of a glass ashtray is that they are heavier than many of the other types of ashtray, especially those designed specifically with cigars in mind. You can find these ashtrays in many different styles, as well as in different colors. When you are shopping for one of these ashtrays, make sure that the holders will fit your particular style and size of cigar. Some even come with holders for your other accessories.

Another choice that many cigar smokers choose is the metal ashtray. Again, you will be able to find them in different sizes and shapes, and you can find those heavy enough to hold your cigars. You might also want to consider ceramic ashtrays for your cigars. You will often be able to find them at good prices, and they have as many style choices at the metal and the glass ashtrays. However, you need to keep in mind that the ceramic ashtrays are far more fragile than the metal or even the heavy glass.

You will be able to find a variety of ashtrays when you start shopping. In many cases, you can find them at the same locations that you buy the cutters, lighters, and the cigars. Find something that is functional and that looks great, as well as something that will last as long as you continue smoking cigars.

Smoking has remained an integral part of young and old since the beginning of time. Ask a smoker what is the real charm of smoking and the twinkle in the eyes will speak a thousand words. Cigars enjoy mass appeal at all times. They are way to flaunt your style, monetary status, power, and passion. Your cigars are the integral part of each and every celebration, personal pride, and happiness. The cigars are available in many designs, colors and flavors. You just need to buy as per your taste.

Manufacturing of the cigars

Cigars are made up of tobacco leaves. Carefully collected and cleaned and packed manually, the taste of the cigars depends upon these small yet essential stages of manufacturing and packaging. The tobacco leaves are grown in parts of Poland, South Africa and Argentina. Depending upon the way each leaf is packed in the cigar you can categorize into mild, medium and full bodied. The amount of smoke produced in the mouth adds up to the value of the cigar, but this term is totally subjective. There are many brands available in the market and they are individually categorized into different categories for size, flavors, aroma and amount of smoke formed in the mouth.

Types of cigars

There are many world famous brands of which the Cuban cigars need special mentioning. The specialty of this brand is the fact that despite being banned by the government it is hot favorite of millions across the globe. Other than that the Macanudo cigars and Churchill, Robust, Corona etc are few of the worth special mentioning brands from the millions available.

Buying cigars online

You can now buy your cigars online at one convenient website. There are many agents who stock and supply the cigars of all reputed brands at heavily discounted prices. You simply need to click and order. Within days your order will reach your doorsteps. Also, these agents have collections of all related accessories at their online store as well. You can now compare prices and buy from the store of your choice.