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Your time and energy are the two most precious gifts that you have. Evaluate each month where you are placing your time and energy. Here are some ways that I have used to help me honor where I place my time and energy:


Place a yellow sticky note on your telephone answering machine that says "Is this phone call the most valuable use of my time and energy?"


Find who you are on the inside and begin to live your life in accordance with this truth.


Where you place your time and energy today determines who you will become tomorrow.


Learn how to nicely say NO without feeling guilty. Try "Well I'm planning to do _______ then. Would you like to join me?"


Meetings are often a waste of time and energy. Whenever you add a meeting to your schedule Cheap Bartosz Kapustka Jersey , DROP at least one of your other ones.


If you have more than three (3) meetings scheduled throughout the week, get rid of at least one of them as soon as possible. Begin to notice which people and events drain energy from you and begin to decrease the time you spend with these people or doing these activities.


When you're spending time with someone or at some event, be aware of how often you look at your watch. If you look frequently at it, you probably would have more fun doing something else. This principle applies to your job as well. Stop watching the evening news. It is often more upsetting than informative. It usually has very little to do with what really matters in your life.


Try giving up TV for one week. Read a book, write letters Cheap Andy King Jersey , catch up with friends and family, bake a cake, etc. If a week is too long for you to go without TV, don't watch it during the weekend.


Don't act in the dramas others create for themselves.


Review your last month, week Cheap Ahmed Musa Jersey , day and hour. How did you spend your time and energy? If you could redo your last month, week, day and hour what would you change?

Secured Bad Credit Loans Make Sense

Posted by nick_niesen on November 8th, 2010


Secured bad credit loans were seen with a bit of contempt in times gone by. Now they make complete sense, and we should be glad. Official UK figures indicate why!


According to CreditAction.org 'At the end of December 2005 the total UK personal debt was £1 Wholesale Leicester City FC Jerseys ,158bn. Total secured lending on homes in December 2005 was £965.2bn. This has increased 10.4% in the last twelve months.' This is while the average British consumer debt is £7,786, and that is not taking into account mortgages.


Average household borrowing through credit cards, vehicle and shopping finance deals has increased five times in five years. Yet the typical house price in the UK in November 2005 stood at £186,431 (source: Office of DPM).


The figures speak for themselves. The much higher rates of interest payable on credit cards Wholesale Leicester City Jerseys , auto and retail finance (store cards etc.) take a huge chunk out of the typical person's monthly earnings. The single sensible way forward is quite obvious. Consumers need to convert the high interest credit into lower interest credit by using their property by way of security. Even if people's credit standing is quite poor it makes even more sense to pay off the same amount of money at a smaller rate of interest by means of a secured bad credit loan.


Now new lending sources are springing up which consider all circumstances. This latest market for secured bad credit loans has grown up in the last decade or so, and it has developed outside of the mainstay of the High Street lenders. As long as people have property then they can borrow as much money as they want to pay off existing borrowing. Nor do intelligent consumers have to pay the exorbitant rates of interest that used to be the case with people whose credit standing was not the best.


Would it not make more sense to pay £60 a month in servicing that debt than £150 a month servicing exactly the same debt? Secured bad credit loans offer that opportunity.


Improvements in financial credit management assessment mean that loans providers are readily prepared to take into account secured bad credit loans where these were untenable in the past. The self-employed, in particular, are not treated as they were, especially with the new approach towards self-certification. Three years of audited accounts are no longer automatically required from people who want to work for themselves. People with County Court Judgements Cheap Leicester City FC Jerseys , Individual Voluntary Arrangements, people who have reneged on past or current finance agreements and even discharged bankrupts are now usually considered in today's changing world of finance.


Increasingly consumers are taking larger financial risks, especially those in commerce and the entrepreneurial minded. The secured bad credit loans marketplace is expanding to take account of that because it has to. Of course, borrowers should never consider secured loans where they are not totally sure they are able to make the repayments. Those people should take a look at unsecured financial products (which are more expensive).


But, as CreditAction.org states Cheap Leicester City Jerseys , the average value of a house in the United Kingdom is '£186,431 (£195,319 in England). United Kingdom yearly house price inflation rose by 2.5 per cent. Annual house price inflation in London was 2.2 %.' Putting all that money to good use by taking out a secured credit loan is an option most borrowers should look at, whatever their credit status.


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