It is no secret that many individuals aim to grow their wealth. Building a “healthy” relationship with your finances is vital in controlling it. Now, how does one begin to achieve this type of financial relationship? For starters, you must review the basics.
Money values, consisting of internal and external factors, influence your attitude towards money. It can help mold your life decisions too! For instance, a person who values foresight may build a robust retirement plan as early as 30.
Your money values are deeply rooted in your personality. Long before you met your partner, you have developed values surrounding money. Studies suggest that we inherit values, beliefs, and attitudes about money from our parents and other family members. It is important to discuss these money values when entering a romantic relationship.
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Unfortunately, couples rarely talk about their financial values and goals. They see this subject as a restricted topic fueled by social custom. However, it is never too late to have this financial conversation! Talking about your money values is the first step to syncing your financial plans. Start by discussing what your parents taught you about money as well as your financial goals. Having this serious discussion prevents conflicts, which came from differing money values.
In your discussion, consider creating a list of your money values. Here are some of the examples: Value of Time, Openness, Resourcefulness, Honesty, Patience, and Generosity.
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Encourage an flowing conversation whereby each of you will share about your list of money values. Understand each other’s point of view by highlighting the similarities and differences. Afterwards, choose the “top three values” that are important to the both of you. Work with these values to reach your goal.
On the opposite end of the spectrum, your financial discussions may become heated. Pause the conversation and revisit the issue later on. When it comes to money, it is difficult to always see eye to eye. Take a time out. With open communication and understanding, you can devise a plan to reach your shared financial goals. Good luck!
With the advent of social media, people are increasingly sharing their personal lives on Facebook and Instagram. Listening to their favourite podcasts or streaming videos to watch on the go have also become common entertainment outlets. As a result, they find themselves consuming more and more mobile data.
In response, telecommunication service providers have developed big data plans that are more suited for the consumption patterns of today. For instance, M1 was the first to re-introduce unlimited data mobile plans 5 years after they were phased out! By jumping onto the bandwagon, savvy mobile users can reap plenty of benefits with big data mobile plans.
No More Fretting Over Additional Data Charges
Do you recall the hassle of having to look for free Wi-Fi hotspots or switching off your mobile data completely when you realise that you are about to exceed your monthly data bundle? With big data mobile plans, you need not monitor your data usage excessively and worry about incurring excess data charges. You simply choose a mobile plan that best suits your data needs. Taking M1 Big Data Plans as an example, if you use data mainly for social media browsing, you can get a 5GB SIM-only plan at just S$20/mth. If that is still not enough for you, good news – there is also an option of Unlimited Data plan at S$98/mth.
It might also be better to pay a slightly higher monthly subscription to enjoy better value in data, as compared to paying excess data charges. For instance, M1 offers 15GB data at S$40/mth. With just an additional S$10/mth, you can enjoy 30GB for S$50/mth. That’s twice the amount of data! This is clearly better value than paying S$10.70/GB for excess charges.
Essentially, heavy mobile data users get more value for their money by utilising big data mobile plans as compared to paying excess data charges!
More Freedom To Do What You Love
Not only do mobile users get more data for their buck, they also no longer have to worry about incurring any excess charges with M1’s all-unlimited mobile plan. At only S$98 per month, subscribers get to enjoy unlimited data, talktime and SMS/MMS. This not only provides certainty with regards to their mobile bills, it also gives them plenty of freedom in fulfilling their mobile entertainment needs; they are free to surf popular social networking sites or stream their favourite music while on the move.
Sharing Of Big Data Plan
It gets even better as a family unit can tap and consume data from a single big data plan. For instance, M1 offers sharing of main plan bundle with up to 2 supplementary plans at just $12 per month each. This means that up to a total of 3 lines can tap from a single mobile plan; leading to great savings across the household. For example, a family of 3 can share a 30GB SIM-only plan at a total subscription of S$74/mth, which works out to 10GB for each to use at just S$24.67/mth. This offers greater value for money as compared to all of them having to subscribe to an individual 5GB plan at S$20/mth each.
For those who have multiple devices, simply subscribe to M1’s Multi-SIM service at only S$10.70 per month (per additional SIM card) to share data from the same mobile plan. This also brings convenience and seamless connectivity without having to switch SIM card, as you tap on 1 mobile plan across a maximum of 3 devices.
Bring Your Big Data Plan Overseas
With the increased availability and affordability of travel options, going overseas is becoming extremely common. Ever wondered how convenient it would be if you could use your local data when you travel? With M1’s offering of its Data Passport services, this is now possible in 62 destinations across Asia, Europe and United States from only S$10 per month! Simply activate Data Passport on M1 Big Data Plans whereby data roaming usage on the preferred overseas network can be deducted from your monthly local data bundle. Most importantly, subscribing to M1 Data Passport means that your existing local mobile data will not go to waste and you can continue to roam like you are home. Besides cost savings, Data Passport also offers the convenience of instant data connection upon touchdown. This beats the hassle of finding and purchasing prepaid SIM cards overseas or searching for Wi-Fi in public areas.
Hurry and switch to M1 Big Data plans to reap the myriad of benefits today!
In accordance with April 2012 Foreign Exchange Committee, there are total 4 billion dollars of Forex spot transfers on a regular basis. With diverse participants especially those who are trading for some particular purposes are having an edge in the Forex market.
It is imperative to pay attention to the fundamental analysis as they show up the big picture. By looking at this picture, you can easily come to know about the latest actions of the currency pairs and technical analysis. Not just that, you get information regarding the trends.
The forex sentiment indicator is an imperative tool that alerts all the traders about the extreme conditions. This indicator also helps the traders to know the price reversals. It can easily be utilized in conjunction with the fundamental along with technical analysis.
An Incredibly Imperative Tool That Works for All
The sentiment indicators show up the percentage of the traders who have taken a specific position in the currency pair. For instance, you can assume that there are total 50 traders that are trading in the same currency pair. If 10 of these traders are long and 40 are short, then the 10 percent of the traders are considered as the long ones on the currency pair.
When the traders’ percentage in a particular position reaches the highest level, then the sentiment indicators becomes quite useful. For instance, you can assume that when a certain currency pair starts rising and 70 out of 100 traders are long; then some traders will leave to go with the trend.
The sentiment will indicate that it is the perfect time to consider the price reversal. When the price starts moving in lower and shows up a signal which is topped, the sentiment trader just enters the short. It assumes that those traders in the long will have to make sales to avoid losses when the rate falls.
On the other hand, it is said these indicators are not so accurate in providing the buying and selling signals. You have to wait for the rate to confirm the reversal ahead of acting on the signals of the sentiment. The currencies can stand on the higher levels for an extended time period as well as the reversal might not appear instantly.
The higher levels will be different for each currency pair. In the event that the rate of the currency pair has reversed when the buy reaches 75 percent and when the longs reach that higher level again then it is said that the pair is at the extreme.
Therefore, you will have to wait for the signals of the rate reversal. In case, another pair has reversed when the percent of the traders in the short is 80 percent then you will need to wait for the reversal at the extreme.
The sentiment indicators are present in diverse types. They are available from diverse sources. We cannot say that one is better than the other one. However, they can be utilized in juxtaposition with each other. Or else, the particular techniques and strategies should be followed to the data you find simple to interpret.
While some people find tranquility through immersing themselves in a new cultural experience, others find makeovers extremely therapeutic. I am one of those latter people! I seek refuge in the halls of my favorite beauty salons.
Over a year ago, a stylist pointed out how my constant bleaching can damage my hair. Since then, I have been exhausting my efforts into conserving the volume of my crowning glory. I started with opting for an organic shampoo without sulfates and other harmful chemicals. A good drugstore brand which carries this philosophy is the Avalon Organics. Go to your nearest drugstore to see the available options.
Along with redefining my hair care regimen comes these budget-friendly tips that may help you to achieve a thicker, healthy-looking hair.
THE WONDERFUL AVOCADO
Oh, avocado! Aside from using it as a belly-trimming agent, avocado is believed to be a good hair moisturizer. Making an avocado hair mask is easy. Simply combine one sliced avocado with a tablespoon of olive oil. Then apply the mixture to the hair. Let this sit for approximately 30 minutes. Then, rinse it. You can use this mask as much as twice a week.
PARTING WAYS
Observe yourself through a clear mirror. How long have you been sporting your hairstyle? Several years, I suppose. People tend to firmly hold on to their comfort zones. That should not apply to your hair style!
One of the quickest ways to add volume to your hair is by changing your part. Switch it to the opposite direction to help lift your hair away from your scalp. This will add more body to your seemingly flat hair.
THE LATEST CRAZE
Selected social circles have been experiencing the benefits of essential oils. This latest trend highlights the importance of “going back to nature”. After all, the medicinal uses of aromatic oils originated from the ancient civilizations. Hence, certain oils were believed to aid in hair growth and to prevent hair breakage.
For instance, grapeseed oil contains a significant amount of Vitamin E and fatty acids which promotes thicker hair. Other hair-related oils are rosemary, lavender, and cedarwood essential oils. Personally, I use an organic shampoo infused with rosemary.
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Save money by making your own mixture. Simply combine 5 drops of grapeseed essential oil with 2 tablespoons of carrier oil (i.e., coconut or jojoba oil). With your fingers, apply the mixture to your scalp. Then, massage it for about 5 minutes.
DRYING WAYS
Finding a milder method to dry your thin hair is among the first steps of diminizing frizz.
There is a plethora of image content featuring models wearing a towel on their heads. Without a doubt, it is common for people to use a towel to dry their hair. However, you must refrain from vigorously rubbing it against your fine hair strands. Gently blot your hair with your towel after stepping out of the shower.
Another alternative is using a microfiber towel that will absorb excess water. Decathlon has a range of cheap microfiber towels. Prices start at S$3.90!
THE STIMULATING MASSAGE
Healthy circulation is essential in nourishing the hair follicles where hair growth begins. Stimulate the blood flow into those follicles by massaging it. There are two methods that you can employ. Firstly, you may rub your oil mixture all over the scalp in a circular motion for a few minutes. Secondly, you may use a menthol shampoo and massage it into your entire scalp. Do not forget to include the sides, nape, and crown.
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Remember that your scalp is your hair’s foundation. Keep the foundation strong to let your hair grow in healthy manner.
Several vehicles travel along the nation’s roads every day, one of the most visible being the truck. Despite the vehicle’s ill reputation among some motorists, the entire industry revolving around it has made significant and positive contributions in boosting the nation’s overall economy. After all, without trucks, every product that we use wouldn’t be delivered. Whether you’re an owner-operator with a truck of your own or someone who runs a trucking company with a sizable fleet at your disposal and drivers under your employ, you’ll need to take out truck insurance with the following considerations to take note:
1. There are many truck insurance coverage types to choose from – though you should, of course, get only the ones that you need the most.
You may have started shopping around for providers offering the most comprehensive truck insurance policies in the market right now. However, the myriad number of ways that truck insurance can help protect you financially can give you an instant headache as you try to make sense of its various coverage types. Here are the typical types to choose from:
Primary liability insurance is used in case your truck causes either significant physical injuries to any person or damages to property.
General liability insurance acts as a cushion against any risky event that doesn’t involve a truck but is related either directly or even tangentially to day-to-day operations within the trucking industry.
Physical damage insurance which covers any expenses that you’ll incur should your truck ever get involved in an accident. This accident would have caused significant damage to the truck causing it to undergo some repairs to get it back to working condition
Non-trucking liability insurance is taken out in case your truck hits a person or crashes in front of a property, and you aren’t using the vehicle at all for business purposes.
Cargo insurance is needed in case any shipments that you’re supposed to deliver from point A to point B gets either damaged or lost along the way.
Trailer interchange insurance you’ll need if you’ve agreed to have your truck pull another company’s trailer that’s full of goods that need to reach their destination fast.
It’s entirely up to you as to which among the truck insurance coverage types listed above you plan to include as part of your entire policy – though you’re required by the government to get primary liability insurance at the very least.
2. You’ll want to set aside some extra money for increased financial protection.
You may have heard of most – if not all – of the truck insurance coverage types listed above. But the sum of each of their respective cover amounts might still not be enough to protect your finances and other vital assets.
You might, therefore, be forced to pay out of your pocket, especially if you’ve been slapped with a lawsuit after your truck had caused an accident. You don’t want to pay out of pocket. This is where you can look into an umbrella or excess liability insurance to increase your total maximum policy limit. However, you should prepare to spend an additional amount for it.
Still, purchasing an umbrella or excess liability insurance serves as an affordable way of covering any gaps between the various truck insurance coverage types that you’ve decided to use.
3. You can ask the provider to have your payments divided into monthly installments.
You might initially get shocked at the total amount of truck insurance that you’ve taken out from your chosen provider. Even after limiting your coverage types to only those that you’ll need the most, you may still find it expensive.
This is where you’d ask the provider if you can break the amount up into monthly installments. You can either have your total truck insurance amount divided into 12 equal monthly installments or only 10 with the first two months to be settled in full right after you’ve taken out your truck insurance.
You can even make an initial deposit amount to your truck insurance that covers more than its first two months so that the number of monthly installments would become fewer. This can help you afford it long term.
4. If you’re operating more than a couple of trucks, you should take out truck fleet insurance instead.
The considerations listed above when taking out truck insurance are applicable mainly for owner-operators who have only one truck to their name. As someone who runs a trucking company, it’s both very expensive and highly impractical to take out insurance for each of the trucks under your fleet.
Thus, you should take out truck fleet insurance instead which allows you to have all the trucks under your fleet insured under a single common policy, as well as pay reduced premium amounts compared to insurance for single trucks.
Conclusion
When you had first bought your truck – or trucks if you’ve decided to own a fleet, you may have initially thought that as long as you’ve set aside enough money to pay its amortization amount every month, you’re all good to go. That’s only half the battle though as you’ll want to protect yourself from sudden financial ruin once you or the designated driver of your truck gets caught in an accident. Thus, you’ll also have to take out truck insurance, and the above-listed considerations to bear in mind should help make applying for it easier.
Matthew Xavier
Matthew Xavier contributes for InsuranceTruck, where he strives to write blogs that aren’t just informative, but entertaining and delightful to read as well. It may not show outwardly, but Matthew is a poet at heart, and he tries his best to make sure his pieces have a unique flair that his readers are sure to appreciate. He spends his free time working out by running.
