Month: March 2019

Saving money is tough for many people,especially when so many external factors encourage you to spend money constantly. The article that follows will give you some good advice regarding personal finance tips to help you make saving money

If you are struggling with very old debts,you should know that your debts expire after a period of time. Ask a financial expert to find out when your debt expires and avoid paying collection agencies that attempt to collect an old debt.

You could also consider selling some of your neighbors items on commission. Get creative with your yard sale.

Replace old incandescent bulbs with high-efficiency CFL bulbs. This kind of bulb will help you save the environment money on your electric bill. CFL bulbs typically last longer than traditional light bulbs. You will end up purchasing fewer bulbs over time.

Credit cards can be a debit card. If you get approved for a credit card,use them on day-to-day purchases,such as groceries and gas for your car. Most of the time,like cash back on these items.

Don’t take out huge amounts of student loan debt without being in a position to repay it. If you have not yet chosen a major or mapped out your career path,strongly consider other options that make financial sense.

If you are younger than 21 and hope for a credit card,be aware that the rules have changed in recent years. It used to be that credit card. Research a card’s requirements before you apply.
You can find coupons online that you may not see in your local newspaper.

Credit card debt plays a big role in your FICO score. A higher card balance translates to a lower score.Your score will go up as you pay off debt. Try keeping the balance at 20% or less than the maximum credit allowed.

Pay off those credit cards that have the highest interest first. This is a crucial thing to do as interest rates on credit cards are rumored to rise in the coming years.

Avoid fees by using your bank. Financial institutions like banks often charge high transaction fees when people use other ATMs,and those can build up fast.

You probably are already aware that saving money can be very difficult. The different voices that urge one to spend money only make it harder for one to hang onto it. Keep these tips in mind and use them to help you save money and become financially independent.

Construction will begin later this spring in Vernon Hills near corporate housing on what officials are calling a $13.5 million kindergarten center in the Chicagoland suburb. District 73 unanimously approved the project,but it didn’t get approval without its fair share of detractors and complaints. The Vernon Hills Planning and Zoning Commission actually recommended a denial of the project,but village board members overruled the commission and have decided to move forward with the massive project.

Built near short term rentals on the Vernon Hills Park District Sullivan Center,the project is set to be completed by Fall 2020 with construction starting in as little as a month from now,according to District 73 Board President Sonali Patil.

“We’re really glad it passed,” Patil told a reporter after the approval meeting. “Even with the closures due to the cold last week,we still worked extremely hard to coordinate with the village and park district to get everybody on the same page. Thankfully,it all lined up and we can get started.”

The next steps,according to Patil,are to immediately begin getting bids from construction firms in the area. The firm that lands the project will be excited to get the business due to the project being so valuable – a whopping $13.5 million.

The issue of money has actually been settled already in Vernon as District 73 already voted in January to sell the $13.5 million in bonds to fund the new kindergarten center near corporate housing.

Vernon Hills Mayor Roger Byrne himself actually felt compelled to post to Facebook ahead of the vote to assure his constituents that he supported the project and that he was confident that it would pass. Calling himself “grandpa” in the post,Byrne told voters that he supported the project and couldn’t think of a single person on the village board that opposed it.

Swami Amar Jyoti was born on May 6,1928 in a town in northwestern India,not far from the banks of the Indus River. His youth interests were many: science,mathematics,music,writing,biking,drama and sports,and He brilliantly mastered all of these. His college education was briefly disrupted by the partition of India in 1947,however He soon moved to a college in Mumbai (Bombay). Much beloved by household and teachers,He stunned everyone with thedecision to leave house a couple of months before graduation,saying,”I ‘d like to read an open book of the world for my education.”

At the age of nineteen,without loan or any specific location,He took the very first train to Calcutta. It was 1948. Refugees were pouring over the border of East Bengal (now Bangladesh) into West Bengal by the thousands every day. Surviving on a train platform near the border of India and Bangladesh,He soon headed the entire volunteer corps there,working tirelessly 20 hours or more every day. After about 10 months,the flood of refugees went away and He returned to Calcutta.

Swami Amar Jyoti Current Announcement

Swami Amar Jyoti lived on the borders of the city in a peaceful ashram and pursued symphonic music,sitar,spiritual studies and prayer. He began to practice meditation and do yoga and attended puja (traditional worship) at a close-by temple of a well-known saint. In a short while He “knew” His life work. Very soon He retired to Himalaya where He resided in silence and meditation for about 10 years,one-pointed onthe Goal of Liberation. Many places of pilgrimage were gone to during those years,walking on foot many miles every day. However a small cave at Gangotri,the temple village near the source of the Ganga River,was the location of His greatest spiritual disciplines,awakenings and,lastly,Illumination.

In 1958,taking initiation of Vidyut Sannyas (lit: “lightning”– a kind of monasticism that is Self-initiated) at the holy site of Badrinath of Himalaya,and taking the name Swami Amar Jyoti (Swami– Knower of the Self; Amar Jyoti– Immortal Light),He came down into the plains of India for His God-given mission to the world. The very first Ashram Gurudeva established was Jyoti Ashram,under Ananda Niketan Trust,situated in Pune,Maharashtra,India. Throughout the years after leaving house,His mother had never ceased looking for Him and awaiting His return. In answer to her prayers,He settled in Pune where she could be near Him.

In 1961,He accepted an offer by an enthusiast to check out the United States. Again,He traveled unknown,though He soon brought in many who had never ever seen such a holy man. Eventually He was encouraged to develop an Ashram,and Sacred Mountain Ashram was founded in 1974 followed in 1975 by Desert Ashram under Fact Consciousness,a not-for-profit organization that serves as a lorry for Gurudeva’s work in the United States.

The spiritual awakening on earth that Gurudeva reveals is the remarkable fate of mankind,once freed from our restricted identity of self. Lovingly and continually,He continues to boost and cleanse each people for this awakening,for His way is the ancient relationship of the Master to the disciple,the candle lit directly from the burning flame of Fact. Prabhushri continuously advises us that we are at an advancement into a new age,where faiths will be changed into direct awakening and communion with our Highest Source. Like a mom whose love understands no bounds for her kid,the Master guides and nurtures the disciple on his or her own path to perfection,exposing in Himself the obtainable Reality of God Consciousness.

After 4 decades spent in continually taking a trip,giving Satsang and Retreats,developing Ashrams and directing many souls to greater awareness,Gurudeva took Mahasamadhi– mindful release of the mortal body– on June 13,2001 in Louisville,Colorado. According to His desires,His Asti Kalash (urn containing Spiritual Remains) was reminded Jyoti Ashram by disciples from India. Within a year,a Samadhi Sthal in the form of a pure white marble pyramid was developed for long-term consecration. It has thus become a beacon Light,a place of pilgrimage and meditation for all who are blessed to enter there.

The dedication of the Samadhi Sthal was conducted during five days of intricate Vedic pujas and fire events attended by numerous fans,from June 9-13,2002. At the end of the dedication,the Brahmin priest who led the pujas enunciated the following: “As long as the sun and the moon and the stars and water (symbolic of life) exist,might this Samadhi Sthal be the Illuminator of millions of souls,and might You continue to guide and bless us.” Immortal Light– The Blissful Life and Knowledge of Swami Amar Jyoti

: A Biography in His Own Words is offered from TruthConsciousness.org.

Everyone knows you demand a business plan,yet lots of financial advisors do not recognize a marketing plan is just as critical. With a proper branding and marketing strategy in place,your financial practice can prosper better,even in down markets,when you proactively focus on building loyalty. You have to learn how to secure that you will get a return on your marketing spend with absolute certainty. Anyone who owns a financial practice should be able to use an effective plan for marketing.All rock-solid financial advisor marketing plans have common factors that are required to be successful,whoever you work with,and this article explains how.

Make It Clear: What Financial Services Niche Do You Serve?

The biggest part of your marketing effectiveness,bar none,is what’s unique about your financial services and what unique selling proposition you have to bring to your clients. Do you serve a broad variety of people in different industries? Or do you serve one specific type of client? Do you serve dentists? Doctors? What type of financial services do you provide?

You must incorporate it in your overall financial advisor marketing plan,once you know who & what you desire to serve. People know they’re working with the right financial advisor when they attain an effective financial plan that will work for their specific status.

For more on choosing how to promote your specific skillfulness and industry experience for delivering sound strategies for your clients’ financial freedom,visit -.

Whenever you put what your offers on paper,always be specific about what you are offering and how this will benefit the client. When you’re about to sign up the client,the documentation outlining your services should be signed by the client,and should be in a plain language.

Keeping Up with the Times

Since various marketing methods change in effectiveness as society evolves towards different trends,you need to focus on long-lasting marketing assets that easily adapt to the industry,as your practice evolves and grows. A fresh way to get new clients for a financial advisory company is online marketing methods such as Instagram search marketing,which is fast and effective.You can create 20 direct messages way quicker than you can make 20 phone calls. Don’t forget the process of “warming up” your cold prospects to build a relationship!

Growing Your Financial Client Base with Referrals from Existing Clients

You may like to get more business by asking your existing clients for referrals from them. You must be WORTHY of recommendations,in order to get referrals from your existing clients. While you may provide great services,proving it takes raising your credibility. That’s where branding comes into play,and there are marketing experts who know all about how to deploy long-lasting assets. We recommend checking - for a highly reputable financial marketing resource. You do not have to be working for a large financial business in order to make a name for yourself,and the results this advisor marketing consultant has generated for his clients,definitely prove this.

A Summary of the Best Financial Advisor Marketing

The most significant feature of financial planning is getting to know how one’s money will help take them to a certain point,and where they are heading to. You will realize the same is true of how you use your money in a marketing campaign: when you invest your money in marketing,how much will you get out of it in return? That’s one question that financial marketers who put together great plans will really go out of their way to resolve for you. Consult our recommended resources at - and start investing in marketing assets that will solidify your marketing message,help your clients understand what you do,and bring you R.O.I. forever.