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Monday, October 22, 2018

Guest Post: Your Kids’ FOMO Is Not Worth More Holiday Debt

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

Your Kids’ FOMO

Is Not Worth More Holiday Debt

With the holidays upon us, parents are making a list and checking it twice. And that list seems to be getting longer … while the bank account gets smaller.
That often happens when kids catch an acute case of FOMO during the holiday season. The “Fear of Missing Out” includes not getting some of the gifts they want, or the latest, cool things their friends are receiving.   
So mom and dad go way over the family budget. They hit the credit cards, and the holiday bills climb. After all, overspending on gifts and beginning the New Year with added debt is as much a holiday tradition as mistletoe and stockings hung by the chimney with care.   
“Many adults annually prove they have not learned their lesson, and it’s an expensive one that keeps adding up,” says Jeff Dixson (www.nwfts.net), a financial educator and author of Winning The Retirement Game.
“Discipline is a prerequisite for financial stability, and this kind of chronic overspending of money they don’t really have certainly doesn’t bode well for a family budget, let alone a retirement plan. But habits can change, and the sooner the better.”
Dixson gives four tips for how to keep holiday shopping reasonable and avoid excessive debt:
•    Look at the big picture. Credit card use means putting off paying for something you didn’t have the money for. So forecast what that mounting credit card bill will add to your regular monthly expenses. “The long-term pain isn’t worth the short-term gain of getting the kids everything they wanted and more,” Dixson says. “Seeing their smiles on Christmas morning is nice, but you also have to see on paper the money crunch ahead; that can act as a deterrent.”  


•    Use one card. If you must use a credit card, Dixson says, put the rest of your cards aside and use the one with the lowest interest rate. This also makes it easier to track your spending. “If the one card is included in your budget, fine, but remember you’re paying interest each month,” Dixson says. “You need to impose a holiday limit on the card.”
•    Make a real budget. It’s the easiest thing to do before all the shopping. Set up a budget each year as to what you can afford to spend (for example, $600 = $50 per month) and set this aside each month in order to have the money you expect to spend. But for many people it’s the hardest thing to execute when they’re out shopping. “They lose will power,” Dixson says. “It gets to be a little like gambling; you have to decide how much you can afford to lose, or how much you’ll go over without being totally stretched in January and beyond.”
•    Make it a teaching moment. The holidays are a great time to teach your kids about money, a lesson that could last a lifetime. It’s not a matter of being Scrooge; it’s about showing them money doesn’t grow on Christmas trees. Most families have budgets, and part of being responsible means not over-spending. “The greater good of the family is served rather than immediate gratification,” Dixson says. “They’ll learn something meaningful about money, appreciation and responsibility that will stay with them when they have families of their own.”
“If more parents could apply these forms of financial discipline during the holidays,” Dixson says, “it would greatly help them develop a long-term financial plan, as well as greatly help their kids.”

   
About Jeff Dixson
Jeff Dixson (www.nwfts.net) is known as “The Retirement Coach” and is the founder and president of Northwest Financial & Tax Solutions, Inc. A respected financial educator, Jeff hosts a weekly radio show that airs on seven stations and is author of Winning The Retirement Game.



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Please be advised that all  information in the How to Manage Your Monkey Course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course.


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.
  
Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances. 


Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

McClendon Villa     McClendon Villa's Reviews 
From the Kitchen of McClendon Villa   McClendon Villa at Blogger
P. S. Annie  P S Annie at WordPress
P. S. Annie 2
Random Thoughts and Observations   Redneck MBA
How to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPress
Reviews By David and Suzanne
Book Reviews By Bird     Book Reviews By Bird 2
Book Reviews by Bird at WordPress

Friday, October 19, 2018

Book Review: The Employee Millionaire - Personal Workbook: How to Use Your Day Job to Become a Millionaire with Rental Properties by H J Chammas ASIN: B07J3DXB7D


There are so many books out there on “The Only One Way to Invest” that it will make your head spin.  Almost all of the books we read on investing start out by telling you what is wrong with all other forms of investing and why theirs is the one and only way to invest your money to earn an income.


The Employee Millionaire - Personal Workbook: How to Use Your Day Job to Become a Millionaire with Rental Properties by H J Chammas  is different.  He does give a little comparison and contrast between investing in rental property and investing in stocks and bonds.  In this case, he actually gives the pros and cons for both.

Nowhere in the book does Mr. Chammas tell his readers it is going to be easy.  He does not tell you that checks will pour in while you sip on umbrella drinks.

This book tells you how to get started on a fairly moderate income and then roll it into owning and renting out multiple properties.  

He takes his readers through the whole enchilada.  He tells readers about the process of getting pre-approval for a loan and then finding properties and making an offer.

He even tells his readers what they need to take to the closing on a sale of property.  He attempts to make this “white-knuckle” event much less stressful.

Readers are given links to online forms that help with the whole process from start to finish.  He even takes his readers through getting their budget in line before they start.


We truly believe The Employee Millionaire is a must read for anyone attempting to find a way to add to their income in the least stressful way. This book will make a great gift for that would-be investor on your gift giving list.  We give it all five stars.


We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

McClendon Villa     McClendon Villa's Reviews 
From the Kitchen of McClendon Villa   McClendon Villa at Blogger
P. S. Annie  P S Annie at WordPress
P. S. Annie 2
Random Thoughts and Observations   Redneck MBA
How to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPress
Reviews By David and Suzanne
Book Reviews By Bird     Book Reviews By Bird 2
Book Reviews by Bird at WordPress

Thursday, October 18, 2018

Book Review:



Very rarely does one see a nutrition book with a powerful message like Souping Is The New Juicing: The Juice Lady's Healthy Alternative by Cherie Calbom MSN CN.

This book starts out with a very engrossing story and then moves on to tell us more and more about soup.  It isn’t just chock full of recipes; it also has a great deal of information about nutrition, food safety, and more.

We give Souping Is The New Juicing all five stars.  We think it is an important book and a very easy to read book.  There are stories about soup as a comfort food as well as instructions for making soup.  It also has many recipes for easy to make soups. What are you waiting for? Order your copy today.



We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.
Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit fromyour transaction, at no additional cost to you. Thank you for your support. 

Manian Debil Productions is a participant in the  AmazonServices LLC Associates Program, an affiliate  advertisingprogram designed to provide a means for sites to earnadvertising fees by advertising and linking to Amazon.com.

McClendon Villa     McClendon Villa's Reviews 
From the Kitchen of McClendon Villa   McClendon Villa at Blogger
P. S. Annie  P S Annie at WordPress
P. S. Annie 2
Random Thoughts and Observations   Redneck MBA
How to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPress
Reviews By David and Suzanne
Book Reviews By Bird     Book Reviews By Bird 2
Book Reviews by Bird at WordPress

Wednesday, October 17, 2018

Press Release: Citizens Disability Takes a Personalized and Specialized Team Approach to the Social Security Disability Claims Process

The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.

CitizensDisability1.jpg
Citizens Disability Takes a Personalized and Specialized Team Approach to the Social Security Disability Claims Process
Consumer Advocacy Group Helping Disabled Workers Fight for
and Receive the SSDI Benefits They Deserve
CitizenDisability Image.jpg
Waltham, Mass. – October 2018 – With almost two-thirds of Social Security Disability applicants being denied benefits, many who have been paying into the system for years and are truly deserving of such benefits give up the fight. Citizens Disability is picking up the battle axe on their behalf. An advocacy group for people who are struggling to obtain SSDI benefits, Citizens Disability is changing the benefits landscape by helping individuals navigate the large, impersonal and denial-heavy government system.
A recent Government Accountability Office (GAO) study showed that “claimants who had representatives, such as an attorney...were allowed benefits at a rate nearly 3 times higher than those without representatives.”  Additionally, according to the Annual Statistical Report on the Social Security Disability Insurance Program, 2016, “The final award rate for disabled-worker applicants has varied over time, averaging 34 percent for claims filed from 2006 through 2015. When only first-time applications are considered, the award rates become even worse. “The percentage of applicants awarded benefits at the initial claims level averaged only 23 percent.” Once denied, many individuals who take on the daunting application process drop out of the fray, and with good reason.
Operating under the slogan of “All we do is fight for you,” Citizens Disability increases these dismal approval odds considerably. By dedicating a Citizens Disability advocate to each individual aspect of the claim procedure, the advocacy group simplifies the complicated application process. This personalized approach to filing a claim ensures a highly trained individual is dedicated to each aspect of the application.
“Unlike the traditional approach in which a caseworker is assigned dozens, even hundreds, of applicants and then handles all phases of the process, we take a phase-by-phase approach,” explains Andrew Youngman, Chief Executive Officer of Citizens Disability. “In doing so, our clientele receive access to an initial filing specialist. They are then passed down the chain to another professional and then another who guides them through every aspect of the claim.”
What does this differentiated approach mean for Citizens Disability’s clients? Most importantly, it results in increased odds of disabled workers winning the Social Security benefits they have earned. In turn, deserving applicants can address their health concerns without the added fear of how they are going to survive and thus get on with their lives.
To learn more about Citizens Disability, please visit https://www.citizensdisability.com/. Interested media may arrange a meeting with company management by calling 512-777-8602.



McClendon Villa     McClendon Villa's Reviews 
From the Kitchen of McClendon Villa   McClendon Villa at Blogger
P. S. Annie  P S Annie 2
Random Thoughts and Observations   Redneck MBA
How to Manage Your Monkey at Blogger   How To Manage Your Monkey at WordPress
Reviews By David and Suzanne
Book Reviews By Bird  Book Reviews By Bird 2 Book Reviews by Bird at WordPress

Book Review: The Lion of God Archangel Ari'El by Carol P. Vaccariello ISBN: 978-1-5043-7519-1



We really don’t know how to categorize  The Lion of God Archangel Ari'El by Carol P. Vaccariello.  It is a different take on spirituality.

The odd thing is, we have thousands of books waiting to be read.  Most of these are on the Kindle but there are still many print books waiting their turn to be read. For whatever reason this book kept popping up to in odd places.  It should have stayed on its designated pile, but it didn’t. We took this as a sign to read it.

If you are comfortable with the concept of spirit guides or spirit animals, you will like this book.  If you are uncomfortable with the concept of these, you may wish to avoid this book.

We all know there are angels among us.  We think it is wonderful to believe that there are many out there who are unemployed because we fail to use them.

Five Star Review



The Lion of God Archangel Ari'El is very well-written.  We give it all five stars. It is a short book but very impactful and uplifting.



We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

Manian Debil Productions is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.