Money Management

Multi-level marketing (MLM) is nothing but a big joke!

For me, time is life, and I don’t like to waste it! This one jerk-off I met the other day, however, not only didn’t get this memo, but he also went on an on with his spiel, even though I assured him numerous times that I was not interested in the least. “But wait …” he kept saying. Then came my responses, “No … not at all … never.” Man, what don’t some people just “get it” when you tell them something!

Do you know what this type of marketing is all about? If so, I’ll catch up with you later. If not, let me give you a short rundown: for starters, only the names ever change (the essential information is always the same) and the following description will paint you a clear picture of how the vast majority of theses scams are full of crap, but not opportunity. Continued

One of the biggest drawbacks of shopping online is shipping and handling (S&H) charges!

All things being equal, the best way to save money when shopping online is to compare S&H costs. These fees are a combination of the fees needed to pay for shipping something and the labor involved in “handling” the shipped items. The handling portion is that which exhibits the most price differences, while shipping items tends to be about the same price for similar size weight items (what this means: you’ll pay about the same price for shipping whether you ship from the post office, or from companies like UPS or FedEx). Continued

We live in a world full of both hustle and bustle!

Nowadays, the simple life is becoming harder and harder to get even a small piece of. Today’s American homes are nothing more than a rest stop used to get a moment’s refresher, before we move back outdoors ready for the next activity (which is usually a shopping trip, to be honest). Even though this is the average person’s life here in the U.S.A., why let this horrible way to live happen to you? Why not slow it down a bit, and reap the many rewards?

Perhaps in your heart of hearts you’ve always dreamt of living the simpler life. Maybe, just maybe, you sometimes like to actually “stop and smell the roses” but can’t quite figure out how to do it in your everyday situation. I truly believe that a life that is too busy can rob us of some of the greatest joys that could have otherwise enjoyed. I also believe that as we live our life “in the fast lane” we become discontent with almost everything (note: it shouldn’t be this way, of course). Continued

Salesmen are notoriously good at bulls@#ting people!

However, you can beat them at their own petty game if you know this one simple fact: if you walk away the sale, it will not be made – period! By learning this fact backwards and forwards, you chances of getting a much better deal will be exponentially increased! The truth of the matter is that dealing with pushy salesmen does not need to be a negative experience, providing you remember that you are the customer/boss (read: the one who makes the final decision). So go ahead and let them push as hard as they like, but short of holding a gun to your head it still comes down to you making that final decision to part with your hard-earned money. You hold all of the power … unless you feed into their bulls@#t! Continued

Can you actually lend money to friends or family, while avoiding all the headaches that are associated with it?

The answer: NEVER EVER lend money to friends or family! Really, it’s just not a good idea (hey, don’t look at me like that. No, I’m not a d@#k). By doing so, you’d be mixing business with relationships, and most people who have lent cash to loved ones could attest to the fact that they were never paid back in full (sorry … that’s the sad, sad truth). Look, I know that you have good intentions when you decide to lend money to someone … we all do (or at least did, until we got burned way too many times in the past). But trust me on this one (I’m speaking from experience here): There’s a high probability that it will harm your friendship far worse than it will ever help the borrower’s temporary problem! Continued