5 Deadly Financial Mistakes You Should Avoid Now To Keep Out Of Debt Later!

Every year more families are going to the brink of financial ruin because they never properly considered their financial future. For some, it's just to stressful or emotionally uncomfortable to think about and important financial decisions get put off indefinitely. For many, they do not know and were never taught some basic financial planning tips to keep them out of debt in the future. Here are five financial mistakes you should avoid now to keep your financial future bright:

5 Financial Mistakes To Avoid:

1. Buying on credit: Today's interest rates are fairly low, but this does not mean you should buy excessively on credit! Carrying a large balance on credit cards month to month is a recipe for disaster. Finance charges alone can slowly eat you up. Buying a car on credit ties up even more of your future earnings for debt repayment.

Just a few decades ago buying so much on credit was unheard of. Children were taught early on what a huge mistake this was. We all need to relearn this lesson and eliminate buying on credit to keep ourselves out of debt

2. Making financial decision based on emotion: When you are going through great stress or emotional turmoil you are most vulnerable to making disastrous financial financial decisions. It is when you are feeling some king of pressure that you are most likely to make silly decisions that get you into trouble later. Do not make a big money decision when you are emotionally vulnerable.

3. Not adequately insuring against catastrophic risk: Every year families are financially devastated because they are not protected against disaster. Loss of home and assets to fire and flood are very common events that a surprising number of people do not protect against with insurance. You should also protect against disaster common to your area. Earthquakes and tornadoes for example. Just as important is some kind of life insurance to protect your loved ones in case of death.

4. Falling for the slick salesmen pitch: They say a sucker is born every minute. And you can be sure there is a slick salesmen waiting to take advantage of every one of them! You should never enter into any financial decision based on salesmen pressure tactics or one-time offers. Great deals that can not wait for you to think on it or obtain a second opinion are often financial disasters waiting to happen.

5. Not planning out your financial future: For many people it is so much easier to put off the tough financial planning right now and get to it someday in the future. Well we know how that story goes. Years into the future many families are neck deep in debt with no relief in sight. And it could of all been avoided with some sensible planning. Talk to a financial planner today so you can be debt free tomorrow!

There you have it. Five important financial mistakes to avoid so you can be both debt and worry free in your future. No matter where you are at right now financially, it's not to late to get started. Make an appointment with a financial planner today and get your financial future properly planned out. It's one of the most important things you can do for your family and for yourself.

Wealthy Affiliate – Affiliate Marketing University

I have been a member of wealthy affiliate for what seems like forever now. Before wealthy affiliate the only income I made online was from MLMs or money game deals, which was far less than a living. I got tired of paying just for the opportunity to make money quit all everything I was doing and find a better way.

The first thing I purchased was the rich jerk. It was OK for someone completely new to affiliate marketing. Information overload, but I kept learning more about affiliate marketing industry after buying it.

Which lead me to my second eBook purchase affiliate project x. Great eBook in my opinion. Its whats really got me rolling. I made some money and lost more following some of the strategies. But the fact that I made some commission is what really got me pumped up about this industry.

I signed up for the course and landed on a landing page promoting a video tour for wealthy affiliate. I decided WA was exactly what I’ve been looking for and signed up after reading the sales page.

When I joined up I followed the 8 week course and hung around in the forums, in my opinion the best part of wealthy affiliate.

With the information I learned, I decided to tempt fate and venture back in to PPC where I lost tons of money before. My first few campaigns were a learning experience, but through the help of founders Kyle, Carson and members at the forum I obtained first profitable ppc campaign. Don’t remember the exact ROI, but I was making $50 to $100 dollars a day off a $10 to $30 spend daily spend.

So is wealthy affiliate worth it? I can only speak for myself. Before WA NO MONEY, After WA Making money.

Sand From the Beach – How to Clean & Keep the Sand Out of Your Home & Car From the Beach!

Sand belongs on the beach and not in your car or home. Everyone loves the beach, but unfortunately the sand loves to follow you when you leave. Though it is virtually impossible to keep every grain of sand on the beach and not in your car or home, a few basic steps can tremendously lower the amount.

1. Always wear sandals on the beach and not shoes that can trap sand.

2. Always carry toys, magazines, snacks, towels and other beach accessories in a mesh bag to allow the sand to fall out verse getting trapped in the bag to eventually end up in your car or home.

3. Place a tote in your trunk to place all beach bags, towels and chairs. The tote can be taken out of your car when you get home to wash off everything inside it.

4. Keep a small hose with attachment to wash feet off before entering your home.

5. Keep a bowl with water by the door and a towel on a hook. Clean your feet off before entering the house when coming home from the beach by sticking your feet in the bowl. Remember to put fresh water daily in the bowl to prevent bugs from attracting like mosquitoes.

6. Consider buying the Hoover Nomad Cordless Pressure Washer. Great to keep in your trunk to hose off feet, toys or chairs before getting into the car. This small unit holds 3.5 Gallons of water and is great at the beach, sporting events and anything imaginable outdoors. Long hose, 90 PSI and long battery life.

7. Keep your doormats by your home clean and new. Doormats do a tremendous job in attracting dirt when newer. Shake out regularly and spray down with a hose periodically. Keep your indoor mats clean daily and wash them weekly.

8. Consider an outdoor changing area to allow sandy bathing suits to stay outside and not inside a bedroom or bathroom. Rinse off the suit before bringing in a home.

9. Have a good stick vacuum near your entry areas to the home to capture the sand quickly. The three best stick vacuums are the Hoover Platinum Stick Vacuum, Oreck Rechargeable PR8000 and Karcher Sweeper.

10. The best vacuums indoor for capturing sand once inside the home are the Oreck XL 2000, Hoover C1404 and Koblenz Upright Vacuum.

The beach can be a very relaxing experience. Following these steps can make leaving the beach less stressful by bringing less of the beach sand home with you.

The Beautiful Mountain Town of Sapa Vietnam

Sapa is one of the naturally serene and lush towns in Vietnam. It attracts many travelers with its magnificent landscape, which features colorful tribal villages, French colonial villages, lush vegetation and numerous green fields stacked on one after another.

Sapa is also close to Fansipan, the highest peak in Vietnam. Nestled at an elevation of 4921 feet or 1500 meters, Sapa is in Hoang Lien Son mountain range, in the northwest region of the country. Because of its geographical location, the town's rugged scenery usually experiences being clouded by a warm mist, which only adds to Sapa's beauty and charm, and making it truly a unique place to visit.

Sapa is about 376 kilometers from capital city of Hanoi. Sapa has risen to be the most popular mountainous district in Vietnam. You will easily be charmed by the terraced rice fields, the ethnic lifestyle and the cool climate, inviting you to stay longer in Sapa than you intended. Becoming a tourist destination paved the way for the establishment of hotels and accommodation facilities in this town so you do not have to worry about finding a place to sleep during those tranquil nights. If you really want to immerse yourself into the Sapa lifestyle, you can also arrange for a homestay in one of the tribal villages.

One of the best things to do in Sapa is walk around the town early in the morning as the tourist crow is not yet in full swing. The town is small, so you can easily navigate your way on foot. In fact, everything in and around town can be explored on foot making the most popular activity in Sapa – trekking. Trekking to various villages is fun and adventurous. Just make sure that you have good trekking shoes or boots and waterproof bag. There are also tours that involve renting a bike or motorbike to explore the countryside and visit waterfalls.

There are other less rigid things to do while in Sapa. You can always visit other neighboring villages like the Lao Chai Village, by hiring local transport like a jeep or van. You may also watch ethnic minor dance performances, sign up for the Hmong sewing classis and visit noticeable attractions like the Han Rong Resort, Sapa Culture Museum, the Sapa Lake, Bac Ha weekend market and the European orchid gardens and colonial buildings.

Sapa is home to a couple of ethnic minorities such as the Dazao and Hmong. These people live a simple life and have managed to maintain their culture and traditions. It is a rewarding travel experience to visit their villages and learn about their way of life. You can ask them to be your trekking guide instead of getting one through the hotel. Other than agriculture, the tribes are also now relying on tourism for a living.

Remember to always be respectful and courteous when dealing with them, especially when taking photos; always ask their permission first. The best time to visit the town is arguably from September to October as this is the period when the rice fields are turning their color from green to yellow. During wintertime, the town receives more of that appealing fog. No matter when you visit Sapa , you will definitely enjoy this new pin on your travel map!