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Day: September 17, 2016

5 Steps to Creating and Achieving Your Personal Development Plan

A personal development plan helps you to grow and achieve. So why do so few people take the time to create one? Two potential reasons are:

o Lack of know how

o Fear of limiting themselves

There are 5 key steps in creating a personal development plan

1. Do a personal stock-take of your strengths and development needs. As well as your own assessment get the input of others. They can often see talents that you are not aware of or are failing to fully utilise.

2. Think about what development will help you most in achieving your professional and personal goals.

3. Decide which methods of delivery will have greatest impact on your learning. We all have different ways of learning so find out what works best for you.

4. Set out a calendar of development events for the next 12 months. This makes it real and more likely to be achieved.

5. Put an accountability structure in place to ensure you follow through. Often the lack of accountability can result in you losing focus.

So what are the benefits of creating a personal development plan?

1. You give a clear message that you take your contribution to business success seriously

2. You can start to work on the areas that are less developed so that you become even more of an asset to your employer

3. If things are not progressing as you would like career wise you can demonstrate to a potential new employer what you can contribute with real impact

4. You take informed choices about the type of roles you pursue rather than leaving it to chance

5. You continue to grow, be motivated and stretch yourself to achieve what you desire

Take the first step towards to realising and exploiting your real professional and earning potential.…

3 Facts About Money From the Bible

Day in and day out, we are constantly thinking about money. We wake up almost every day to go to work to make money to pay bills and to maintain a comfortable standard of living. We think about retirement, and our ability to save for it. We consider whether making changes to our savings strategies, such as converting a traditional IRA to a Roth IRA, can make life better. Money, or the lack of it, can cause a lot of problems and stress.

However, if your finances are properly managed, your life can be more enjoyable, even if you are not making a big salary. Your finances need to be put in the proper perspective.

As a Christian, it is important to understand what the Bible says about money. There are over 2,000 verses in the Bible that talk about money. It is the second most talked-about topic in the Bible. (Love is the first.)

Today, we will look at three facts that will challenge you to further explore your perception of your finances. These concepts will help you move into a more peaceful frame of mind when it comes to thinking about money.

Everything belongs to God

Before we can even begin to discuss what you have and how you use it, we need to understand that everything we own really belongs to God. This is mentioned several times in the Bible – examples can be found in Deuteronomy 10:14, Psalm 24:1, and 1 Chronicles 29:11. While we may (or may not) have lots of material possessions right now, they are only temporary. You can’t take them with you when you leave this world.

We should avoid getting attached to the things of this world because we are only borrowing them. This didn’t hit home for me until my car was stolen. I had many personal belongings in the car that night and was devastated when I found them gone. But I honestly could not tell you most of the things that were in the car. In fact, my life has not been significantly changed by not having most of the things that are now gone. Once I understood that these things are only temporary, my mind was at ease.

The Lord is in control

In Isaiah 55:8-9, the Lord tells us that His plans are bigger than ours and that the plans He has for us are beyond our comprehension. We need to focus on allowing God to be in control of everything, including our money, so that He can work through us to improve not only our lives, but also the lives of those around us. This is confirmed in Romans 8:28.

The Lord will take care of you

If you seek God’s Kingdom first, He will provide for your every need. You can read about it in Psalm 34:10, Matthew 6:31-33, and Philippians 4:19. We need to use the skills and abilities that the Lord gives us (Exodus 36:1-2). It is the Lord who decides whether …

Are Minimum Credit Scores Needed for a Car Loan?

Every lender has its own criteria for judging whether or not they would consider a borrower credit worthy. So, minimum credit scores to get a car loan do not meet rigid cutoff points. Look at some general scores to get an idea of how you will be treated when you embark on your auto loan shopping journey.

The Minimum Truth

The important thing to consider when you shop for your car loan, is that the higher your credit score, the less you will pay for your car loan and the more money you will save. This is the minimum truth regarding credit scores and auto loans.

Starting From the Top

Credit scores range from 300 to 850. Around 725 is the average score across the population. A score around 300 is usually indicative of a bankruptcy. If you have a score over 680, you will not have any trouble finding a car loan and you will be offered the best interest rates. In spite of advice against getting a loan through a dealer, you may even find a good loan in those circumstances.

Next Rung on the Ladder

You will still have no trouble finding a loan if your credit score ranges from 650 to 680. You may not get the best interest rates, but you will still be able to find a decent loan. If you were going for a mortgage, a high-end auto loan, or some other large purchase, before you make an application, you might want to figure ways to improve your score to save yourself a substantial amount of money.

Bring Up Your Minimum

If your scores range between 500 and 600, you are not in the best position for a good car loan. You might want to put off borrowing for a while and definitely work on improving your credit score. If you are in the high 500’s you will probably find financing but your interest rates, fees, and monthly payments will be rather steep.

Scaling Down

If you range in the low 500’s you will have to work to find a lender, but you can always find something. You may end up paying more in interest than the car is worth. This would be a good time to scale down to perhaps a good used vehicle. Save some money on the side, improve your credit scores, and you may be ready for your dream car in a few years.

A Minimum Credit Score for a Auto Loan?

If your score dips below the 500 mark, you may want to consider putting off borrowing for awhile. Sure, you will be able to find a loan, but your interest rates are going to be over the top and you might be under the burden of that car loan for a very long time.

No Real Minimum Credit Score for a Car Loan

As you can see, there is no real cut-off minimum credit score to get a car loan. There are ranges that indicate the success …

Health Insurance Quotes Without Giving Your Phone Number

Getting health insurance quotes without giving your phone number is easy and something you should do right now. Whenever you are online do you stop when asked for your phone number and best time to call? I do…I can’t stand to be interrupted at home…especially by a salesperson.

Asking for your phone number is an intrusion most people avoid. The bad news is they are unaware of market conditions in personal health insurance. Health insurance is an expensive, necessary evil but it should be something you should never overpay for. Asking for a phone number is a turnoff. But there is good news…

You can get up to a hundred health insurance quotes without giving your phone number. You are asked for the following and the following only, for each person you are trying to insure:

· Zip code

· Gender

· Date of Birth

· Smoker or not

· Student or not

That is it…no phone number…no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on insurance of any kind. But I have the assurance that I am paying the very least amount for my policy.

I filled this out just the other day…it took less than a minute…I received 112 different policy quotes to choose from…the quotes had the monthly premium, company name, deductibles, co pays, and a real plus…I could find out if my current doctor accepted this policy.

You should know what kind of policy you are looking for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly…I identified a savings of $684 per year over what I am paying now. So you should use this free service every several months. It is easy fast…and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn’t this better and far faster than talking to several dozen salesmen or saleswomen. That is what you would have to do to get the same amount of information with every other service on the web.

Wouldn’t you rather get health insurance quotes without giving your phone number?

Here’s how……