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Day: June 4, 2016

Do You Work For Money Or Interest?

I'm pretty sure that at one moment in your life, especially when you're fresh into this working world, you would find yourself with this question: do you work for money or for interest?

Surely everyone has their own childhood aspirations, be it a firefighter, doctor or even a software developer; But does this ambition really apply once we're working adults?

I had a friend who has always wanted to become a firefighter. You'll hear him mention from time to time that all he wants to do is to save lives. I have to admit that it's a very noble ambition. Years of hard work finally paid off, and this friend of mine is now a firefighter.

As a kid, he only saw the bravery the firefighters have shown in their countless rescue missions, but never the fear each firefighter has to face. Now, as a firefighter, the interest is still there, but due to the extreme and dangerous demands of the nature of his work, his interest in his job has something dwindled.

In reality, no matter which job we choose for ourselves, the first factor in our decision has to be our interest. How else would you expect to remain in that job if not for the driving force of interest itself? Through the course of time, our interest might change once we've had an overdose of the interest. That is when we find ourselves in the mercy of the all powerful money.

Which is more powerful between interest and money? You're the one who'll be able to balance these two powers in your life. …

What Kind of Questions to Ask During a Psychic Reading?

Have you ever wondered about some of the more general questions to ask a psychic when in consultation with an intuitive? If you are new to psychic readings and would like a bit of a heads up on some questions that may benefit you during a psychic consultation session then we’ve come up with a good general list for you here.

Feel free to modify these questions with words appropriate to your own personal situation, make them your own as they are just samples of general questions you may wish to utilize at some point. Sometimes it is a good idea to ensure your question is specific enough so that the psychic can tune in more deeply for you, the more specific a question often the more specific the answers that come through from the psychic can be.

You should have your list of questions handy during your psychic reading, it doesn’t matter if you are having a phone, email or face-to-face reading, have your list of questions handy on a piece of paper if you need to, just in case you think you may forget any of them. Remember you are only going to have a specific amount of time with the psychic, so prioritize your questions in order of what’s most important to you at the time too. There’s nothing worse than forgetting your most valuable question/s during a reading and discovering afterwards that you missed it out. This can happen due to the fact that one can get caught up in the excitement of the moment in a reading.

General Questions for Psychic Readings

  • I feel lost and confused, Who am I?
  • What is my purpose in life?
  • I’m not happy. Why? How can I become happy?
  • What are other people’s opinion of me? 
  • Why do I act the way I do?
  • Why do I always find myself in the repetitive situations – over and over again?

Relationship related questions for Psychic Readings

  • Tell me about my future in regards to relationships in general.
  • Tell me about my future with regards to my current romantic relationship.
  • I have met someone that I really like. Do you have any guidance about this?
  • Will I meet someone that I click with fully? When? Tell me about this person if possible.
  • I really like someone. What are their feelings towards me?
  • Someone has recently left me. Can you give me better understanding on this situation?
  • I feel my partner is unhappy in our relationship, Why?
  • I’m unhappy in our relationship, can you help me understand better?

Finance related questions for Psychic Readings 

  • Tell me about my future with regards to finance in general.
  • My financial situation is difficult at the moment. Is this going to change?
  • My financial situation is good at the moment. Is this likely to continue?
  • How can I improve my financial situation for the better?
  • I am thinking of making a major purchase. Any guidance on what will happen here?
  • I am thinking of making a

Twelve Secrets and Tricks to Buying Life Insurance

Secret #1: Don’t spend too much time on a life insurance quote.

Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company X at a lower price than another agent.

Life insurance policies are the same price no matter who you buy from! One agent or website quoting a lower premium means nothing. Prices for any given policy is based on your age and health. There are a few exceptions to this but that is beyond the breadth of this article.

Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and ‘rates’ your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.

The most important factor determining price is matching your particular health history with the company best suited for that niche. For instance company X might be best for smokers, company Y for cancer survivors, Company Z for people with high blood pressure, etc.

Secret #2: Ignore the hype on term versus cash value permanent insurance.

You can go crazy reading what everyone has to say on buying term insurance versus a whole or universal life policy. Big name websites give advice that I think borders on fraudulent. Simply put there is NO simple answer on whether you should buy permanent cash value policies or term insurance.

But I do think there is a simple rule of thumb – buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken …

How to Make More Money As a CNA

The other day a co-worker told me about her salary journey as a CNA. After completing her CNA classes she immediately started to look for a job and was a little shocked to see that the pay rates were surprisingly low. But she was confident and decided that she wanted to be a CNA not primarily because of the salary, but in order to help others and hoped that with more experience her salary would go up. Now it is five years later and her CNA salary has indeed increased, however, not as much she’d have liked. In my opinion, it really is a huge problem for many CNA who put their heart and time into this demanding job and the income doesn’t increase much with time. Therefore, here are four options to help you maximize the money you can make as CNA.

Location, Location, Location

Do you know that the starting pay of a CNA varies widely between different states? According to the U.S. Bureau of Labor Statistics CNA earn an average annual salary of $24,190 or $11.63 per hour (2011 data). However, depending on the state you work in the actual salary could be $23,500 (in Iowa) or $32,000 (in New York) or anywhere in-between. Therefore, if you are mobile and want to travel you stand a good chance to increase your salary as a CNA simply by moving to a different state.

Unfortunately, there is a catch. The cost of living in or near New York is notably higher than the cost of living in Iowa. Thus, although your income can be 35{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} higher in New York, you might end up having less in the bank after rent, taxes and food. However, though they may be an expensive states to live in – who wouldn’t desire to move to New York City or Hawaii?

Consider that if you move to another state, you also have to transfer your CNA license. To do so visit the website of the state’s Nurse’s Aide Registry and find out how you can transfer your license to this state. Alternatively, in case you are still thinking of becoming a CNA and want to explore the United States, You can also move to your preferred state after your initial training and obtain the CNA license there directly. It saves time and money.

Not All Work Settings Are Equal

With a CNA license you can find work in numerous settings. You could start in nursing facilities, community care facilities, hospitals, or possibly even as a home health aide. Depending on the place you go the salary can be quite different.

Nursing Homes

Many certified nursing assistants have told me that the salary in long term care facilities is typically not as high as that in hospitals. The difference is not excessive, but it is there. However, this doesn’t mean you shouldn’t consider working in a nursing home. It is a great place to start your career. In addition, there are other opportunities to raise …