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Marriage With Credit: ‘Till Debt Do We Part?

Whether you like it or not, along with your marital vows comes the union of your finances. Your partner’s financial habits can either boost or ruin your financial future especially if he or she has a pile of debt. One’s credit history can affect several facets of your life such as loan eligibility, loan rates, and job applications. This is why it is important to openly discuss about your credit history and to plan your future finances together.

Here are some steps you may take…

1. HAVE A TRANSPARENT DISCUSSION

To prevent unforeseen monetary issues, understand each other’s view by explicitly discussing your differences on financial issues. For example, if your partner is a saver then, he or she may view money as an important currency that shall not be wasted.

Then, for honesty’s sake, show a copy of each other’s credit report. Know what your debt and income are actually worth so that you can realistically plan on how to pay for the remaining debt. Your partner’s lack of credit history will reflect on your credit score if you combine accounts.

2. PRACTICE THE ART OF MINDFULNESS

Gone are the days when Mindfulness is practiced solely for meditation. You heard that right! Actively paying attention to the present situation can affect your finances. As you are aware of what is happening in the present, you can make better decisions about money no matter how important it is. For instance, you will keep your credit score healthy because you are aware of the billing schedules. Also, having a present mind will allow you to be vigilant in checking whether the statement breakdown (e.g., phone bill’s data usage) is accurate.

3. LIMIT THE USE OF CREDIT CARD/S

It takes no genius to conclude that overusing your credit card will jumpstart your credit. So, if you cannot say farewell to the plastic card, you might as well limit your usage. As much as possible, keep your usage to a minimum, 25% below your credit limit is a good start. Then, pay off the balance monthly. Examine your progress together as you end the month.

Image Credits: Gareth Williams via Flickr with Creative Commons License

May these simple steps pave way for a happy and credit-free marriage! 🙂

Sources: 1 & 2

Cheap Ways To Boost Your Creativity Now

You do not have to be as smart as Einstein or as rich as Gates to think creatively. With these few tricks up your sleeve, you can show your own creative side in no time:

1. READ A BOOK OR TWO

If you are fishing in an unfamiliar territory, it is advisable to educate yourself. Do this by reading a book or two about creativity or creative thinking. Try Austin Kleon’s modern take on creativity. With his visually pleasing illustrations and simple vocabulary, you will surely understand what he wants to convey in his books entitled “STEAL LIKE AN ARTIST: 10 THINGS NOBODY TOLD YOU ABOUT BEING CREATIVE” and “SHOW YOUR WORK!: 10 THINGS NOBODY TOLD YOU ABOUT GETTING DISCOVERED”. Both books are available at Popular Bookstore for as low as S$20.87.

2. HAVE YOUR OWN CREATIVE SPACE

Assign a place where you can freely create. This does not have to be a fancy space. A tiny corner with art materials, CDs, or a laptop will do. It is important that you decorate this space yourself.

Image Credits: Karen Cox via Flickr with Creative Commons License

3. PAINT THE ROOM BLUE OR GREEN

Color Psychology dictates that colors can help enhance our cognitive tasks such as concentrating and creative thinking. So, paint your room with the colors of our home planet – blue and green!

Blue has physically and mentally calming effects that will help you open your thoughts. On the other hand, green signifies growth and harmony. Putting these colors together shall stimulate your creativity even more.

4. ENVISION THE PROBLEM DIFFERENTLY

In the “Candle Problem” presented by psychologist Karl Duncker, participants were given a candle, a box of thumbtacks, and a book of matches. They were asked to affix a lit candle to the wall without having a single drop of wax on the table below. There are a couple of possible solutions yet, only one will work (know the solution, here).

To arrive at the answer, you must envision the problem differently. Do not limit the function of these said objects too. Relax and examine the problem in varied ways before you begin working.

5. EXERCISE

Previous literature has shown that exercise increases creative thinking due to its ability to pump up the heart and put people in a positive mood. So, when you are having a writer’s block, try to run a few blocks, it may help you have a long-awaited “Eureka!” moment. Jog outdoors, it’s free anyway.

6. ACTIVATE YOUR SENSES

Last but not the least is to activate your senses. You can explore the local libraries, museums, gardens, and zoos. Tickets to these places range from S$0-32. But, that is a small price to pay to enrich your imagination.

Now, if you are still looking for a no-cost way to activate your senses, you can listen to Mozart. According to a book entitled: “The Mozart Effect,” listening to classical music specifically by Wolfgang Amadeus Mozart can increase concentration, creativity, and other cognitive functions. His music repertoire is available for free on YouTube.

Sources: 1 & 2

Want To Land The Job? Take It From The World’s Most Innovative CVs

Building a creative Curriculum Vitae (CV) or Resume pays off especially if it is artistically suited to the position you are applying for.

1. SUPER INTERACTIVE RESUME BY ROBBY LEONARDI

Inspired by the legendary “Super Mario Bros.” game, multidisciplinary designer named Robby Leonardi had created an interactive resume featuring his knowledge on illustration, animation, graphic design, and front-end development. Take a look at it here.

With its undeniable awesomeness, this CV had been viral in the social media platforms last 2013. Aside from the striking appearance of the interactive resume, I must point out that he added offbeat details such as being an NBA fan. This is a detail that you do not see often.

Furthermore, he worked in huge companies such as AOL, Incognito Digital, and Fox News. It truly pays to highlight an impressive background. The sum of his overall uniqueness made his CV stand out from the pile!

2. LIKABLE RESUME OF SABRINA SACCOCIO

The Psychological phenomenon called “mere-exposure” effect shows that we develop a tangible preference over things that we are familiar with. Truly, there is something attractive about familiarity. It is comforting and warm.

That is the route that Sabrina Saccocio has taken. Her resume had the format of a Facebook profile page (see it here). She even included the recommendations and references of her previous and present colleagues in her “wall comments”.

With the Facebook suit, she is showing that she knows how to communicate to the general audience. This strategy works because of her knowledge on the influence of relationships and social dynamics. Make it your weapon too.

3. NINA MUFLEH’S IN-DEPTH RESUME

Nina Mufleh’s story proves how handwork and technology can go hand-in-hand to achieve your dream job! She designed a resume (browse it here) that proactively tackles the growth of the company and her rightful place in it through an online resume following the Airbnb’s website template.

She provided data and examples as to how Airbnb as a company can branch out in the global tourism scene, particularly in the Middle East. She chose Middle East, as the company’s penetration there is far too low. She highlighted why her idea matters, how the company can start it, and which partnership opportunities they can explore. Now you see what I meant by handwork! She absolutely did an extensive research of the company’s operations while adding sufficient data.

Then, she tweeted this to the heads of Airbnb. To her surprise, Brian Chesky (CEO of Airbnb) tweeted back with a positive response to meet her. This go to show that if you are really passionate about something, you must work hard for it and show why you deserve it!

Bonus! If you are looking for free tools to help you make your own innovative CV, you may try checking out Prezi, Adobe Photoshop Express, and GIMP.

Image Credits: Flazingo Photos via Flickr

Sources: 1, 2,& 3

Be Financially Smart With These Incredibly Free And Useful Websites

Educating yourself on your finances is just a keystroke away with these incredibly Free and Useful Websites…

1. SPENDING WISELY

Spend wisely by budgeting your money and saving more through the awesome money management website called Mint.com. Mint.com, accompanied its free mobile Apps, allows its users to track their spending, develop a monthly budget, receive bill reminders, and take control of their financial life. What’s more? It sends online alerts if you had gone over your budget.

2. MAKING MONEY

Whether you have a special knack in writing, engineering, administrative work, advertising, legal work, marketing, illustrating, and web design…there are secure websites that provide opportunities for online freelance work.

Searching through various freelance websites, the two most globally popular are Fiverr and Upwork. Fiverr.com enables its users to earn money through Paypal payment services. However, the company keeps a small portion of your earnings before handing it out to you.

On the other hand, a similar platform called Upwork.com (previously called Odesk.com), captures the work-in-progress and snapshots your screen. Payment is painless because Credit Cards, PayPal accounts, and Bank Accounts are accepted.

Image Credits: SEOPlanter via Flickr

3. USING FINANCIAL PLANNING TOOLS

Financial planning is an active choice to take charge of your finances and to ensure your financial well-being is in top shape. Among others, Bankrate.com and CCS.org.sg are two websites you can use to support your financial plans.

Bankrate.com aids with the consumer’s debts, loans, and taxes. It was crafted in 1976 for a print publisher in a banking industry. These long years of experience had them frequently referenced on major news outlets such as CNN, ABC News, and FOX Business News. As Bankrate.com allows publishing of personal financial stories, you can make more informed monetary decisions.

And, if you are looking for an in-depth plan to repay your debts, you can avail the resources and services of Credit Counselling Singapore at CCS.org.sg. Credit Counselling Singapore is a non-government and charity organization driven to help people to overcome their debt dilemma. Unlike some debt advisors, they are not driven by profit.

4. BOOSTING FINANCIAL LITERACY

Increase your financial literacy by regularly browsing through Money Digest‘s totally free and user-friendly website. As you may know, MoneyDigest.sg is dedicated daily news, tips, and guides relating to money and financial issues. But, beyond that, it focuses on the localized view so as to support the financial literacy of any individual living in sunny Singapore.

Image Credits: facebook.com/MoneyDigest

Best Finance, Trading, And Business Movies You Should Watch

If you are a student of Business and Finance, you must analyze books and films that portray salesmen, corporate consultants, traders, investors, bosses, and consumers at certain circumstances. And if you are a consumer, you must be aware of the sales tactics you must avoid. Films will not only help you to understand the dynamics of money but it will also help you empathize with the characters.

Beyond the infamous film called “Wolf of Wall Street”, here are the Best Finance, Trading, and Business Movies showcased from 1987 to present…

1. UP IN THE AIR (2009)

Ryan Bingham (acted by George Clooney), a corporate consultant, is used to life travelled in a fast lane. With his job comes the responsibility of firing employees for the companies who are not equipped to do so. His go to accessory? A handy luggage to bring all over the world because he never stops moving…until he met a fellow passenger named Alex.

In this movie you will see how the corporate culture is shown as the colleagues socializes with each other and how some people spend more time in the hotels than their own homes.

Genre: Drama & Romance

Rating: 7.5/10 at IMDb

2. WALL STREET (1987)

The original Wall Street film was released on 1987. This starred Michael Douglas and Charlie Sheen. It centers on a young, desperate, and impatient stockbroker who is willing to do anything just to reach the peak. Embodying the true form of greed to the point that he is willing to give up his integrity for power. Some strong dialogues from the film include: “Greed, for lack of a better word, is good. Greed is right. Greed works.”

The impact of this film served as a standard for other finance-related movies that came after.

Genre: Drama & Crime

Rating: 7.4/10 at IMDb

3. MARGIN CALL (2011)

An Indie film that garnered lots of high praise at the Sundance Festival, Margin Call, shows the effect of a million-dollar venture gone badly in the period of the Great Recession. In a span of one day, it follows the employees of the investment bank as they resolve the financial crisis at hand. Interestingly, it is inspired by true events.

Packed with talented actors such as Kevin Spacey, Zachary Quinto, Simon Baker, and Demi Moore, it will keep you on the edge of your seat as the tension elevates every minute.

Genre: Drama & Thriller

Rating: 7.1/10 at IMDb

4. SOMETHING VENTURED (2011)

If you are a fan of true events then, kicking up realism up a notch is a documentary film about the pioneering venture capitalists and the companies they helped to emerge. This Indie documentary film is called: “Something Ventured”.

With its first-person view, you will know what it takes to be the risk takers for the top companies such as Apple, Cisco, Intel, Genentech, Atari, and Tandem.

Genre: Documentary, Biography, & History

Rating: 7/10 at IMDb

Sources: 1, 2, & 3

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