Many times we can be guilty of focusing mostly on our troubles
and worries. It can become an effort to do the everyday things
like washing dishes, mowing the lawn, feeding the kids a decent
meal. Is there a way to overcome these feelings that keep us
down and unwilling to do the things we need to do? Is there a
way to get back on track emotionally and make a difference at
the same time?

One surefire way to get your mind off your troubles and to make a
difference is to stop focusing on yourself and focus instead
on someone else and their needs. There are countless people who
very seldom receive any kindness or thoughtful treatment; many
who need to know they matter to someone; many who need to know
someone cares. You can make a difference and lift your spirits
all at one time!

Once you’ve decided to take this step, what do you do? Below are
five kindness motivation tips from the free e-book, “101 Ways
to Change the World.”

1. Everyone needs friendship (even you).

• Spend an afternoon with someone you know is lonely and don’t
make it just a one-time visit.

• Send them notes.

• Become a lifeline for just that one person.

2. Find a kid who needs to know they matter – unfortunately,
there are way too many of them.

• Determine to make that kid know someone believes they are
special.

• Send a card or note every week (at least).

• If you know what they are interested in, send them articles
about it.

• Send stories that will build self-confidence and inspire them
to be all they can be.

• Most of all let them know you care. Imagine how much it means
to feel special – especially to a child who seldom receives any
kindness, small gifts or hugs.

3. Share flowers or vegetables from your garden

• Take some to an elderly neighbor who can no longer garden.

• Take some to a friend going through a hard time.

• Drop them off at a neighbor’s house ‘just because

‘

4. Become an email Pen Pal with someone – it is so easy to send
daily e-mails in order to make a difference in someone’s life.
You could email:

• A kid in a detention enter

• Someone in a Nursing Home

• Someone with special needs who can’t leave home

• A foster child

• Kids in an orphanage

5. Put gift certificates in a special card or note. Go to your
local:

• Bowling alley

• Skating rink

• Amusement park, etc.

• Ask them to give you free coupons you can share with kids who
need to know that someone cares and who need a little
kindness.

Many of the bad things happening in our world are done by
people who never believed they mattered. No one took the time to
show kindness or let them know they are special. Just one act -
changing a person’s anger and sadness with your love – can have
a far-reaching impact!

Use these five kindness motivation tips to start your own ideas
flowing. For more motivation tips, download the e-book, “101 Ways
to Change the World” and choose one or more motivation tips
to get started. You’ll find the e-book at
http://www.101WaysSeries.com You’ll certainly make a difference
to someone each time you use these motivation tips – because
showing kindness is contagious!

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The top 10 car insurance tips for first time buys can make the whole experience of buying car insurance a lot easier. When trying to buy car insurance for the first time it can be a little intimidating. After you read these top 10 tips you will be able to buy insurance just like anyone else. Being an informed shopper will make all the difference when you are looking for auto insurance.

The first tip is to ask friends and family about their insurance carrier. You need to find out what company they use and if they like this company. If they do like their previous insurance company ask them to tell you why. Some people may like an insurance company because of reasons that would not even matter to you.

The next tip is to get several quotes. You can go to many different website that can give you quotes for your insurance coverage. The third tip is to find out which insurance companies offer discounts for good drivers and good grades. The forth and very important tip is to not take the first offer you get.

Tip five is to make sure your top few choices for insurance companies have the same deducible. Once you find a company you like then it is time for tip six. This is to check the companies reputation. Some companies are hard to deal with and want to put you off when it is time to write you a check.

Tip seven will come in to play before you even start looking for insurance and that is to always obey driving laws. If you have any tickets or accidents on your driving record your premium will be higher. Make sure you have the insurance coverage that the law requires this is tip eight and is very important because it could affect tip seven if you get a ticket.

I strongly recommend tip nine and that is to have your car completely covered for at least the amount it is worth. If you total your vehicle you do not want to be left making payments on a car that you can no longer operate. The last tip is to make sure you understand the terms of your coverage.

If you do not understand you coverage completely you may think that you have nothing to worry about when in fact if you have a wreck you could be out a lot of money. If you do not understand the coverage ask the agent to explain it more simply to you.

Be sure that you know what your deductible is and how much your premium payments are. If you do not make the necessary premium payments then the insurance will do you no good. You do not want to be in an accident only to discover that your insurance has been canceled. You need to be knowledgeable where insurance coverage is concerned. It can mean the difference in small premium payments or thousands of dollars to repair damages to your vehicle.

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It’s important to know when looking for real estate financing that the advertised mortgage rates are not always what you’ll get from the lender. The change in rates can be due to market fluctuations, economic news and any other of a dozen reasons. Interest rates can change throughout the day. With adjustable rate mortgages the initial interest rate is usually lower than a fixed-rate mortgage and the monthly payment is also lower. An adjustable rate mortgage may or may not be a good choice because on the average, most people move or refinance within seven years.
Check to see if the property taxes are deductible. Talk with your CPA or other tax advisor for current tax information. The 30-year loan is your best choice if you’re looking for a long-term stable loan; for instance, if you’re planning to stay in your house for a long time. It’s usually the safest home mortgage you can get also. If you’re buying a second home or second property, you’ll need to identify the sources for your down payment, since you will not be selling your current house and using the proceeds to buy the home. You’ll need to expect a larger monthly payment for housing or other expenses too.
The disadvantages of fixed-rate mortgage include higher cost; they are usually priced higher than an adjustable-rate mortgage. The real estate financing situation for each buyer is different. Check with your CPA or accountant, you may be able to deduct the interest you pay on the mortgage loan and some of the financing costs of the home, such as points on your income tax return.
If you’re working with a builder within a sub-division or housing development and just making carpeting, lighting and appliance selections for a brand new home, you’ll probably be able to get a standard home mortgage loan; but if you’re hiring contractors, electricians, plumbers, and painters, you’ll probably need a construction loan, which provides funds to pay the subcontractors as the work goes along. Make sure to get an estimate of your real estate financing closing costs from the lender you’ve chosen. By current law, the lender is required to provide a statement to you within three days of receiving your loan application. And there are many options for those who have a few bad credit marks on their credit report.
If you’re having a problem getting a home loan or home mortgage, why not consider a lease-option on a property. A lease-option on the real property will allow you to set a good purchase price now, and then you apply a portion of the rent each month toward your down payment, building equity in the process. 30-year fixed-rate mortgages offer consistent monthly payments for the 30 years you have the home mortgage. And if the market is good, you can benefit from locking in a lower rate for the full term of the loan. If you don’t get approval a mortgage application can be resubmitted several times; it’s not uncommon for this to happen.
Now if you’re on a fixed income, an adjustable rate mortgage, especially a short-term ARM, may not be your best choice. The advantages of a fixed-rate mortgage include a stable interest rate, consistent principal and interest payments making this loan stable. The rate won’t change; a good choice if you’re likely to stay in the house for many years.
Keep in mind that low credit scores don’t mean you cannot buy a home or other real property. Continue to explore all the options and you’ll come up with the best real estate financing. Work with a reputable mortgage broker or lender to create a customized loan program with the best combination of rates, points, and closing costs to meet your needs.
Most importantly you have to be careful not to assume that you can cut back on your expenses and stretch yourself into a house payment. You don’t want to be cutting into healthy eating habits by eating fast food, for a house that you may not be well enough to live in for a long time. Make sure you know what you can afford to spend each month on a house payment when you start searching for the best real estate financing.

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Twelve Self Motivation Tips – Part 2

These 12 motivation is a continuation from part 1. Click here to read part 1

Self Motivation Tip #7:

Get to know yourself. Question your self motivation. What are your values? What are your strengths and weaknesses? Is self motivation realized by focusing on your strengths? What motivates you? What de-motivates you? Self motivation questions your fears and limitations? How can you overcome them? What are your ineffective habits? What effective habits can replace them? Dig deep and answer these questions honestly as they relate to self motivation.

Self Motivation Tip #8:

Set aside some quiet time just for yourself everyday. Set a time to reflect on self motivation. I once took a day off work and gave myself 24 hours to write down everything I wanted to be, to do and to have. I decided nothing was impossible and there were no barriers. I imagined how my life would be affected if everything I wrote on that paper came true. Consequently, if I didn’t write in all down in 24 hours, nothing in my life would change. I would be closing the door on self motivation. Now it is 30 years later and I have accomplished most of my dreams and goals that I penned all those years ago. I exercise self motivation every day.

Self Motivation Tip #9:

Self motivation is knowing where you want to go and what you want to achieve. It is very unlikely you will enjoy success without self motivation. Success is the progressive realization of a goal and a dream. However, it is only a dream unless it is in print. Crystallization of a dream begins with writing it on paper. Write everything from the inside-out imagining nothing is impossible. Self motivation has no barriers, no limitations, and no fears. Group, categorize and prioritize all of your dreams and learn the secret to enhanced self motivation.

Self Motivation Tip #10:

Review your list of dreams often. Make it a daily habit. Dreams are the foundation to self motivation and must be written, planned, visualized and put into action. Prioritize your dreams and determine the price you are willing to pay to make your dreams a reality. The price could be effort, time, education, etc. If this form of self motivation does not appeal to you, revisit your priorities.

Self motivation Tip #11:

Part of self motivation is knowing what you want to do and creating an action plan for success. Keep each action point simple, so it can be accomplished. Large tasks usually get shelved, so minimize them. When your action plan is ready for implementation, commit to doing it by signing your name to it. Your signature should be the strongest commitment to yourself.

Self motivation Tip #12:

Take action. Self motivation is the actual doing. Thinking leads to procrastination, so stop thinking, just do it! The worst outcome is failure. You already know that you have to fail often to succeed once. Give yourself permission to have learning opportunities which usually transpire by doing and failing. You will need to employ all 12 self motivation tips if success is in your foreseeable future.

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