Developing Original Humor for Your Talk

September 22, 2016

Most humor in the business setting is unplanned. It just happens. Spontaneous events with clients and co-workers create the surprises and uncomfortable situations which call for humor as a coping tool.We all have differing abilities to recognize, appreciate and create humor. How’s your HQ (humor quotient)? Do you work with people who are full of wit?Regardless of where you are now, you can increase your humor skills. When you study humor, it’s obvious there’s more to it than just spontaneous laughs. There are times when you may want to deliberately use humor, maybe even plan it in advance.Perhaps you want to spice up a training session or a planning meeting. Maybe you want to lighten up a sales presentation. You can learn ways to administer a dose of laughter to help you connect and communicate.There are three elements which can help you understand and structure your humor: surprise, tension and relationships.
First, humor is based on the element of surprise. Humor often comes from something as simple as someone saying the unexpected. The surprise twist creates the humor.Because of the element of surprise, when we are deliberately structuring a piece of humor (perhaps for a speech) we don’t want to telegraph the joke. A line like, “a funny thing happened to me on the way over here,” signals your listeners that a joke is coming. This will lessen the element of surprise.To enhance the surprise, it’s best to place the punch line at the end of the joke. And within the punch line, the punch word is usually given last. The punch word is the word that makes the humor work. It’s the trigger that releases the surprise.If your humor falls flat, do what professional humorists do. Pretend you are serious. Since the listeners didn’t realize you were making a joke, you never need to apologize or explain it. Turn your surprise into a secret.

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It’s no surprise to people who work in pressure-packed work environments that humor is also based on this second principle: release of tension. Laughter is a pressure valve which releases muscle tension. Uncomfortable situations, fear and pain are all tension builders that cry out for humor. We find ourselves laughing at risqué humor and embarrassing situations because they make us uncomfortable. We release the tension they create with humor.People who intentionally and frequently use humor know tension can be used deliberately to heighten the impact of the humor. A pause placed just before the punch line or the punch word builds a sense of anticipation, a form of tension, which makes the joke stronger.In most jobs, daily challenges give you the opportunity to purposely use tension in setting up your humor. Simply by sharing a real life humorous situation, you can recreate the spontaneous circumstances which generated the laughter in the first place. Although there’s nothing like “being there,” you can improve on the actual event by embellishing to create a little more tension in the set up. You can structure the punch line for maximum effect by putting the punch word last. And you can pause to add impact.As we plan our humor, we also notice that the third principle of humor is relationships. Most humor is based on how things are related and not related. We can create humorous twists when we play with relationships.Gary Larson’s Far Side cartoons are well known for twisting relationships. One of his frequent tools is giving animals human characteristics. For example, the cartoon shows a car driving down the road. Driving the car is a bull. Sitting next to the bull is a cow. And in the back seat is a calf. They’re driving past a field with humans standing in the pasture. The picture, by itself, creates a funny picture by twisting the normally expected relationships. The calf sticks his head out of the car window and says “Yakity, Yakity, Yak!”Understanding the principle of relationships, you are able to create your own, original humor. You can create “shopping lists” from which you search for humorous connections.Let’s say you had an idea for building some humor. We’ll call this idea a seed from which the humor can grow. Perhaps, on a difficult shift at a hospital, someone made a comment that working in a hospital was like working in a war zone. This is the starting point for developing some humor.You’ll begin by creating two “shopping lists.” On one list you’ll put “hospital things.” And on the other, you’ll list “military things.” It will work better if you choose “military” rather than “war zone” because it’s a broader category which will give you more options when looking for relationships.Your first step is to brainstorm by making the lists as long a possible. The more items you have on each list, the more likely you’ll be able to make some humorous connections.As you make your lists, you’ll look for opportunities to branch out and create sublists to multiply your chances of finding humor. For example, if the idea “basic training” comes to mind, your sublist should contain everything you can think of relating to basic training: drill sergeants, marching, inspections.The next step is to search for connections between your two lists which might lead you to humor. Play with it. Then set it aside and come back to it later. Once you find something with humorous possibilities, you’ll massage it to maximize the humor impact.

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To see what this exercise might produce:”Why a Hospital is Like the Military.”1. In the military, soldiers take orders from people with silver and gold on their shoulders. In a hospital, nurses take orders from people with silver and gold in their wallets.2. When discharged from the hospital after a Lower GI Series, you get the GI bill.3.,Nurses, like soldiers, see a lot of privates.4.mWhen filling out a hospital shift report, you sometimes resort to the policy of “Don’t ask, don’t tell.”5. Nurse training is like boot camp. Never before had you seen so many bald body parts.6. In the military, a fatigue is what you wear. In nursing, it’s what wears on you.7. Soldiers get combat pay. Nurses don’t…but should.Whether you’re creating a list or a slogan to go on a poster, looking for a monologue to open a speech or training session, or just searching for one joke to make a point, you can use these lists to create your humor. It works.These three principles of humor are illustrated by the classic slip on the banana peel. The slapstick spill illustrates surprise because we weren’t expecting someone to fall. We also experience tension. When we see someone get hurt we get startled, and react with tension. It also twists relationships. Seeing a distinguished person sitting on the sidewalk is something our of the ordinary. Surprise, tension, relationships…we laugh!Natural, spontaneous humor is one of your greatest tools for coping with stress as you work. By understanding what makes the humor tick, you can become better at planning and deliberately using this powerful adjunct to your success arsenal.

Examples of Some Health Conditions and Physical Symptoms Related to Alcoholism

October 16, 2016

Alcoholism is not prejudice at all, nobody is completely safe from becoming an alcoholic. It is just important that you educate yourself more about it, so that you will know what to do in order to remain healthy and live a longer, healthier life.Alcoholism can damage many of the organs in your body and if you use and abuse alcohol for a prolonged period of time then you are putting yourself at a higher risk of getting serious conditions and diseases that could take your life. It is important that you take the time out to read about these different health conditions and physical symptoms that are sometimes related to alcoholism. Some of these that I am talking about include things such as, cirrhosis of the liver, inflammation of the liver, a higher blood pressure, malnutrition, erectile dysfunction, pancreaitis, insomnia, bleeding of the esophagus, nerve damage and brain damage could also occur with prolonged abuse of alcohol. These sound serious don’t they, because they are serious and they could be life threatening. Why would anyone want to hurt themselves in such ways? The fact is, most people do not take the time out to think about all of the negative consequences of drinking too much alcohol, they just live in the moment or the addiction has become so strong that they just can not do anything to stop it, or so they think.

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There are tons of treatment programs available for anyone that seriously wants to stop drinking or doing any other type of illicit drugs. It is up to you to get help or in some instances there needs to be an intervention from family and friends, getting you help whether you like it or not, although they do have to have your permission to put you into a program such as a rehabilitation and therapy center. It would be the best thing you could do for your life and your friends and family members would be so very proud of you and thankful, thankful in knowing that their dear friend or loved one is going to be around longer because they got the proper help and treatment that they needed to help in recovering from alcoholism or drug abuse. It will be so much hard work and it will take so much determination on your part, but it can be done, you can heal yourself and your body, mind and soul will benefit from it as well.

Dysfunctional Environments: What Is A Dysfunctional Environment?

November 3, 2016

When it comes to describing a dysfunctional environment, it might help us to also look at what a functional environment might look like.Functional EnvironmentA functional environment then; would be an area that is conducive to growth. Somewhere that not only supports and encourages an individual to be themselves, but also allows them to.Here, one can express who they are and feel safe doing so. Positive feelings and thoughts are also more likely to occur in this environment.Dysfunctional EnvironmentThe dysfunctional environment on the other hand would be somewhere that doesn’t allow for the above to happen. Where the individual doesn’t feel supported or acknowledged in anyway, let alone in a way that honours who they are. This might be an environment that forces one to constantly compromise their values and themselves.The word door mat comes to mind here; with boundaries being nonexistent in this environment. Feeling and thinking negatively is also something that might seem to just happen; coming on like a parasite, without reason or warning. Despair is also another common consequence from being in this type of environment.Conscious And Unconscious EnvironmentsWith both of these examples we can see that one is an environment that could be classed as conscious and the other is an environment that is the complete opposite.By this I mean that the dysfunctional environment is an environment where behaviour and the effects of that behaviour go unnoticed. The people in the environment have little, to, no awareness of their actions or to the damage, which is being carried out physically, emotionally or mentally.

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Standing UpPerhaps if one were to comment or mention how they felt to the person or persons in the environment, they might be dismissed or ignored. This of course all depends on how dysfunctional the environment is.The Frog MetaphorThis is a story that is helpful in explaining the insidious nature of the dysfunctional environment.It is about a frog that is put in a pan and is cooked so gradually that it doesn’t know or notice the difference in temperature. And after this slow rise, the frog dies. It was oblivious to what was happening and its imminent death. It became comfortable and numb to what it was experiencing.So How Does This Relate To Dysfunctional Environments?Within this environment one will notice at first that it is draining to them. However unless one takes the steps to break away or steps out of the environment so that it can be seen from another perspective, they might start to feel comfortable within this environment. With their original state of mind and aliveness; fast becoming a distant memory.Now this could be because of a gradual drip feed approach or the slow cooking approach mentioned above. It might also be because it is an environment that feels comfortable and safe to them; as absurd as this sounds. It is reminding them of their history and what hasn’t been looked at.Is This How It Is?One might have never been in a functional environment. This makes it difficult in seeing contrast and in being able to compare it to other environments in their life. One might believe that this is how life is and that there is no such thing as a ‘functional environment’ or that it’s not possible for them.HistoryWe all have our own history, some parts that are likely to bring us feelings of happiness and other parts that might cause feelings of anger or resentment. This is history that won’t just disappear; it has to be faced in some way. That could be by directly facing something or by the assistance of a therapist for example.Pulled To Our PastWe will naturally be drawn into environments that are mind unconsciously associates as being what is safe to us. These environments won’t always be places that empower or honour who we are. They will be environments that mirror the behaviours, feelings and thoughts of our childhood.AssociationsThis is because of the nature of the mind and how it gets attached and creates attachments. What was experienced as a child becomes what is familiar and safe to the ego mind; regardless of if it is functional or not. If these associations are functional and beneficial, then what will subsequently happen is one will usually end up in environments that are at least moderately healthy and functional.Unhealthy AssociationsHowever if these are associations that are not so healthy or functional; one is likely to find that they are ending up in the same environments. Environments that are disempowering and don’t reflect what they consciously want or what their heart calls for. Where their energy is being taken and no energy is being returned.The Childhood EnvironmentAbove I have mentioned about our later environments mirroring the behaviours feelings and thoughts of our childhood environment if they have not been processed.

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Common themes of those years will continue to appear and play out in our present day environments. These might be themes that our unique to us; challenges that just seem to appear over and over again.A Recent StudyI recently read about a group of rat pups that were genetically predisposed to be more fearful than other strains of rats. If these rats were left with their biological mothers, they were likely to be fearful and stressed. However after placing these rat pups with other rat mothers that were not fearful; they grew up without fear.The Power Of The EnvironmentNow these might be rats that were talking about here, but what this shows is the power of the environment in shaping how we see ourselves and in who we become.There is always talk of nature vs. nurture and on the effect genetics have on life, however through the study of epigenetic’s genes have been found to require a trigger to be activated and that trigger is the environment. It is the environment that is making the difference.Choosing Our EnvironmentsChoosing our environments and therefore the people we have in our life and spend our time with is incredibly important to our own wellbeing and in achieving our dreams.The natural tendency of our mind will be to return to what feels comfortable and to what is familiar.Who We AreWhat happened in or childhood or what has happened in our past doesn’t have to define our life or who we are. That is something we can do in each moment of our life.

Credit Collection Laws And You

September 5, 2016

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

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One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

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If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

Publishing Choices For Writers – Self-Publishing Print on Demand, Introduction

November 3, 2016

Under the self-publishing umbrella, there are many options for writers when they are considering how they want to get their work out into the general public. Traditionally, authors were limited with either working with a traditional publisher, or finding someone to help them self-publish their work. As discussed in other articles of this series, there are many different ways for authors to get their work out there depending upon each author’s individual needs.In the past, whether an author worked with a traditional publisher or self-published, hundreds of their books needed to be printed at any one time. With the advent of new technology, writers can now actually see their work in print prior to printing without sticking them with too many unsold copies of their book. In addition, they have the option to print a copy of a book only when one is sold. Authors can do this through Print-On-Demand (POD) technology.

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Print On Demand, as the name implies, allows an author to print as small a number of copies as they want, whenever they want, through a digital printing process. Because the book is being printed digitally, there is no need to set up the traditional offset printing presses, which would be cost prohibitive for a single or a just a few copies of a book. Once the set up is done for the digital format, it is done and can be used repeatedly whenever the need arises.Print On Demand solves many issues for new writers not being published by a publishing house. For example, prior to getting their work out to the general public, authors may want to have an advance review copy of their book for either their own review or to send to a book reviewer. Having an established book reviewer give a good review of a book prior to full printing is a good indication as to ultimately how many copies should be printed. In the alternative, a bad review might indicate the need to go back to the drawing (or in this case writing) board to clean up the work.Also, Print On Demand solves the storage issue for books for both a publisher and an author. In the past, whether published traditionally or self-published, when a book was done, there were copies hanging about until sold. Both publisher and author would have to warehouse them which could get expensive, although the author usually ended up with hundreds of books on their kitchen table or in their basement. With Print On Demand, a book is only printed when needed.

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At the same time, in order to see a copy of their book in print prior to printing the larger number of copies, an author would have had to pay an absorbent amount of money to a printer to get the single copies. Now, it is usually just a small set up fee to the digital printing company and an author has a book in print.All the above are some benefits of Print On Demand. However, it is not the answer to all publishing ills. In the other parts of the POD series I will discuss some negatives that may be deciding factors on not going with Print On Demand publishing.

Teaching About the Election to Elementary Students Using Literature and Technology

October 14, 2016

Teaching about the election can be an interesting process. Of course the best way is to hold a mock election, or even better, a school election with children running for various offices. As with all curricular areas, experiencing the learning by participation cements the concepts.Other ideas for teaching about the election include:For Kindergarten and Grade 1Read a book about an election and discuss the elements of election. Books I choose to use are “Duck for President” by Doreen Cronin and Betsy Lewin (2004) and “My Teacher for President” by Kay Winters and Denise Brunkus (2008.)After discussing the election process we make campaign posters. Students use a drawing program on the computer (I use KidPix) and type “Vote for ______” in huge letters. They add decorations to complete the poster. We print in color and staple to construction paper. Hanging this campaign poster on their bedroom doors will remind them of what they learned about the election.

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For Grades 2 and 3I read an election book such as “Pete for President” by Daisy Alberto (2004). We discuss election procedures but also emphasize telling the truth during the election process. During the story there is a page where there is a debate. I stop the story, have two kids join me up front, and simulate a debate. Sometimes I even tell one of the students to make outlandish claims about what he or she would do if they were to win. We finish reading the book and then discuss ways that students can improve the school.The second graders make campaign posters just like the younger students but they add four ways they can make the school/world a better place. Examples might be: Eliminate bullies from the playground, Pick up Litter on the Playground, Be Nice to All People, Help Raise Money for New Library Books, etc.In Grades 3 through 5As the children get older I begin to teach about the electoral college. The best book I’ve found for this is “Grace for President” by Kelly Dipucchio and Leuyen Pham (2008.) After reading this story I send the students to explore an online simulation game at the Scholastic News website.

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Grade 6: By the time students are in grade 6 they are ready to explore the issues of the candidates. To do this I ask the students to choose six issues to research on the websites of the candidates. The information that they gather can be presented in any manner; for instance, a 2-column display comparing the issues or using an organizing software such as Inspiration to create a web of information.Overall, the more concrete examples you can give to students about the election will assist them in learning about the process that we embrace within our country.

Using Consumer Information on Wrinkle Creams

September 30, 2016

Consumer information on wrinkle creams can be found in magazine, newspaper, television and internet advertisements. It can also be found on consumer websites. Websites of the manufacturers’ of the products you are interested in should be checked out well. A reputable company will back its products’, be willing to back up the claims with real research. Such a company will offer free samples and trial period.Some of the claims made by wrinkle cream products are that their product(s) are the best and say things such as “1 out of 10 doctors recommend this.” They claim that you can get immediate results, something that has a grain of truth. When applied to your skin products can give you results but when the product is removed there is no improvement. True results happen over time and are much longer lasting.

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Consumer information may provide data about the ingredients including how they work and the effects they have on your skin. There are some ingredients that are very harmful and others that are extremely beneficial. The ingredients of wrinkle creams and other skin care products are listed on the label. The only problem is that this can be deceptive. For example, collagen is used in injections of the lips but this type is made of ground up chicken feet and beaks and ages your skin. You may see a couple of ingredients that are beneficial but they are only in minimal amounts – just enough so companies can legally list them.Petroleum and petroleum based products are linked to the break down of your skin. This includes alcohols and mineral oil. Nitrosamines can from when amines (DEA, MEA, TEA) become mixed with preservatives that release formaldehyde (bronopol or quatemium-15). They are known carcinogenic agents. Paraben, a preservative is used because it’s cheap and may be linked to cancer as well. Talc, found in cosmetics and powders has been linked to ovarian cancer when it’s used on the genital area.There are natural ingredients that are both safe and effective. There are plant based alcohols. They are very soothing to your skin. Aqua is not tap water. It is water that has been purified using reverse osmosis and high heat sterilizing processes. Active Manuka honey from the manuka bush is both antimicrobial and antibacterial.A group of three active ingredients are used as a base of skin care products. Phytessence Wakame heals dry skin and irritations. It helps to strengthen collagen and also strengthens elastin. It might aid tissue repair. Nano-lipobelle H-EQ10 is used because it can penetrate as deep as the seventh layer of skin easily. Anew agent called Cynergy TK lets the body to make its own collagen and elastin again. They all promote the necessary hydration of your skin.

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There are other natural ingredients such as grape seed oil, macadamia oil, and avocado oil. Beeswax is harvested from honeycomb and twice purified to get rid of all toxins and impurities. Witch hazel extract is astringent . It is also an antioxidant.Consumer information on wrinkle creams can be very helpful in choosing skin care products. It can also provide information on product recalls. It is advisable to check it out before purchasing anything.

Importance of Branding for E-Commerce Businesses

October 11, 2016

E-commerce businesses are becoming a reliable way to buy products online. Branding plays a direct role in improving chances of e-commerce business success. An increasing number of global customers are switching to e-commerce sites to purchase everything from groceries to apparel, and electronics to lifestyle products. The e-commerce industry has completely transformed the way in which consumers around the world access products and services. It has suddenly brought a world of options to the fingertips of end users. The future seems bright for the e-commerce industry, with major players branching out into newer product categories frequently (thus setting the standards for smaller brands).For e-commerce businesses, things are going well enough, but the competition is also fierce. New e-commerce brands are launching every day and persistently trying to get a foothold online. When it comes to branding, e-commerce companies are leaving no stone unturned. In this scenario, it is vital that you build and implement a high quality branding strategy for your e-commerce business.Branding Strategies For E-Commerce BusinessesBy having a result-oriented, effective branding plan for your e-commerce business, you can stand out amongst your competitors. To achieve that, you must determine what makes your e-commerce business a unique player in the industry. Are you offering high quality products at the best available rates? Do you organize regular discounts and offers for your customers? Are you adding new product categories to meet more customer demands? What are the factors that would convince customers to choose your brand against others? E-commerce business owners must strive to highlight the unique selling points of their brand. Only then can an e-commerce brand be boldly promoted to larger audiences.

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As an e-commerce brand, you have to be at the forefront when it comes to attracting product vendors as well as consumers to your e-store. Vendors would be interested in using your marketplace, if it has a strong brand that keeps providing value to customers. The number of sellers and customers you bring in to your network depends on the strength of your e-commerce brand, and how well it delivers on its promises. If you are intelligent in your branding, and consistent in your service quality, your e-commerce brand can achieve considerable success.E-commerce branding, like all branding, is influencing the perception of your brand and its services, in the eyes of the customer. Effective e-commerce branding will make marketing easier, retain more customers, drive up loyalty, and create better potential value for steady, long-term success.The way you must approach an e-commerce branding strategy is by highlighting some key points. With branding, you must uphold your business’s core mission, the problems you aim to solve for your customers, standards that it adheres to, and proof of the quality of services you provide. What are the factors involved in business branding and their importance?E-Commerce Branding – Methods and Importance1. Your Brand Image – A stellar, uniquely identifiable brand image helps customers attach value to your e-commerce brand’s personality. This includes various things such as logos, banners, taglines, marketing captions, social content etc., which should always represent your brand the best. This is quite important if you want to create value for potential customers and convert them into loyal customers. A good brand image goes a long way in retaining customers, by continually generating interest for your e-commerce brand’s offerings.2. Customer Satisfaction – Customers are everything, when it comes to e-commerce or any other type of business. You can actually enhance customer experiences and drive up satisfaction (and loyalties). This is a big part of establishing your e-commerce brand. Put your best foot forward while marketing, deliver on your promises you make, and provide unmatched service and support to enhance your brand’s potential value. Remember that satisfied existing customers can and will bring in newer customers to your e-commerce business. Maintain your integrity and keep reinventing to bolster your brand’s chances of business success.3. Find Your Unique Selling Proposition – As an e-commerce business owner you must determine the USP of your brand. This will help you brand and promote it better to larger groups of potential customers. Think about what sets you apart from dozens of competitors vying for true e-commerce glory. Is it your service quality or support? Is it the trust of your customers and your track record? Do you provide innovative offers, discounts and promotions on special occasions? Do you house the widest variety of rare products? You must determine why customers would choose your e-commerce site. What extra value can you offer to your potential customers that convince them to use your platform again and again? Find your USP and use it to strengthen your brand.

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4. Utilize All Channels – Technological advances in the past decade demand that your e-commerce business maximizes its presence on all social, web-based and mobile platforms. More and more potential customers buy and sell through handheld devices, and almost all of them are on social websites. All your competitors are doing it, and so should you. It will help you make your brand easily accessible to larger audiences, which in turn will bring more conversions and significantly better revenues. Social and mobile should be the front and center of your branding strategy.E-commerce sites can benefit from the above mentioned branding strategies. By using the concepts provide here, you can establish your e-commerce brand and take your business to the next level.

Retire a Young Military Millionaire

August 21, 2016

Being young and in the military has its advantages. One of the biggest rewards is a powerful force that will almost ensure that you can become a young military millionaire. There are simple steps you can take when you’re young that will help you harness the power of this force; making becoming a military millionaire a breeze.Attention young military personnel. You can turn that military paycheck into a million just by following a simple, consistent, investment plan. Just by automatically investing on a regular basis you could be on your way to an early military retirement. For example:-A $174 invested monthly starting at 18 years old could make you a young military millionaire by age 53.-A $701 invested monthly starting at 18 years old could make you a young military millionaire by age 40.Knowing how to handle your military money gives you advantages that the most people miss out on. You can afford an early military retirement just by following a simple investment strategy. Starting an investment plan young may be enough to ensure you become a young military millionaire.Because you have the power of compounding interest on your side it’s easy to become a young military millionaire when you start young. Compounding interest is defined as the interest earned from the initial money you personally invested from your military money plus the interest earned from the amount your investments have already returned. To clarify, the money that you already made from your investments starts to earn you money. That means that every year you are making money off money your investments have already paid you.

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By investing your military paycheck at a young age you are able to fully harness the power of compounding interest. This is due to the fact that your investments are earning you a return on the money already paid to you from the investment. The younger you start the faster and larger your investment account may grow. That’s why investing while you’re young and earning a steady military paycheck gives you a huge advantage.1) Save Money. The first step on the road to becoming a young military millionaire is to set up a simple savings plan. Pay yourself first by setting money aside into an investment before you start spending your military money. The habit of paying yourself first will benefit you throughout your life and will help you retire young.2) Invest Young. You may not of been taught how to invest in high school but don’t let that hold you back. There are simple investments available to the beginner investors that will get allow you to invest your military money young.The stock market offers some investment vehicles that are perfect for the new military investor. There are lower-risk investments that offer the potential for long-term gains that may help you to put your military money to work.One type of investment, known as broad based market index investments, may offer you a simple way to get your military money working for you. ‘Broad market index investments’ are simply investments in the overall market like the NASDQ 100 and S&P 500. To illustrate, one S&P 500 index traded fund will allow you to own a portion of all 500 stocks in that index. The S&P 500 index is one way for the new military investor to profit from the stock market without having to have a lot of experience.3) Consistent Investments. There is a basic military investment technique called ‘dollar cost averaging’. A dollar cost averaging plan is simply buying a fixed dollar amount of your broad market index investment at the same time each month. Your bank and brokerage firm can be set-up so it automatically invests the amount you want at the same time each month. Once this structure is set up you can sit back and just review your monthly statements. With a consistent military investment plan you could reap huge profits over a long-term.The basic investment method discussed will get your military money working for you. If you’re looking to become a military millionaire young there are other ways you can increase your returns. The investment vehicles discussed below take more effort however you will be able to reach your military millionaire status sooner.5. Real estate. Real estate investing can be credited with making the majority of young millionaires. It gives you the power of leverage so you are making money of money the bank loaned you. When done right you could expect to double your investment each year! Just by purchasing real estate while you’re young could easily make you a young military millionaire.

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The military offers many benefits that will allow you to become a homeowner. VA loans allow you to borrow 100% of the purchase price which means you won’t need money for a down payment in most cases. Combine that with BAH (Basic Allowance for Housing) for civilian housing and you can have your mortgage payments paid for.This is a huge benefit because you purchase a $100,000 home your property could be valued at over $570,000 in 30 years. The best part is using BAH you could of not even made a payment with your own money.6. Entrepreneurship. Being in the military you can start a part-time business that earns you an extra few hundred a month or one that surpasses your military paycheck. Either way it can help you to become a young military millionaire or just added another income so you can invest more. There are also tax benefits available to business owners that will keep more of your military paycheck money in your pocket.Becoming an entrepreneur can help you become a young military millionaire and give you the luxury of being able to retire young.The sooner you start investing the sooner you can become a young military millionaire. Start now and the take steps to become a young military millionaire today!

Consumer Credit Services

August 12, 2016

It isn’t surprising that consumer credit services are a booming business today. The credit card industry along with a strong economy for a number of years made overuse of unsecured credit all to enticing form most people. With an economic downturn now full-blown, most are reeling under massive financial debt. Consumer credit services are capitalizing on people’s need to get out of debt.Consumer credit services can help to facilitate the process of eliminating debt in a number of ways. For the person, who is still in control of his or her finances, there are services that help in future planning and budgeting, and are just educational in general. Beyond that, and for the people who are beginning to lose control, there is credit counseling along with debt consolidation. These consumer credit services work very well for the consumer who has yet to start missing payments or has fallen somewhat behind. Debt consolidation without the necessity of a loan works very well for those with smaller debt, but who are behind. For those with assets like a home or other property, they may find it necessary to obtain a secured loan using that property as collateral. While it is one way to pay off one set of debts, it certainly doesn’t get rid of debt completely.

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Other options in consumer credit services such as debt settlement, debt management, and bankruptcy are more drastic measures, but each does work. Bankruptcy, while claiming to be a fresh start with all bills erased, no longer works that way. The consumer can often end up losing assets and still paying off some creditors. Both debt settlement and debt management work without the necessity of loans or loss of property. By working with a consumer credit service known as a debt resolution company, professional negotiators work with the consumer’s creditors and the principles are reduced. At times, this can be as much as 50% off the original balance. The consumer pays monthly into an insured account. Money from the account is used to pay off creditors. With even the most sensible monthly plan, a consumer can be free of debt in 12 to 48 months at the most.

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Consumer credit services are found everywhere these days, and the consumer has to be aware that many of them are not what they seem. Checking credentials, certifications and references is paramount to working with one that will have a good and complete program.