Manifesting Better Finances Through Subliminals Audios

When we are at the point in life where we need to ensure our money and finances are doing alright, some people might be discomforted to see and realize that their money situations might need some help.

This is about changing our minds and brains to help us act and think differently. We know that we might need a better financial situation and subliminals can help us by gradually changing our thoughts to encourage better money related habits.

Somehow too much of society started accepting and practicing inefficient and poor money habits that literally brought their finances down to very low point.

It is clear that a lot of people want to change their finances for the better, but it is not clear how this might be achieved over time and that is where subliminal usage comes in.

We just have to accept that very particular subliminal audios can be used to change and shift our thoughts into something far more desirable. They can hone our mental and emotional focus so that our lives change for the better both in the short term and in the months and years to come.

Consistent listening is required to reap the greatest rewards from subliminals, but that is one of the new positive habits that the audios can help us achieve. As you listen more your brain and life start to reflect very deep and dynamic changes over time, and that is why these audios are so powerful.

Some might be hesitant and almost doubtful that such deep and drastic change can come from listening to subliminals, but this is about using the audios and they have to be listened to in order to gain their benefits.

That is why a lot of people stay stuck and idle in their money lives because they do not change their habits over time, and they do not do anything that can immediately alter and shift their mental and physical habits in a very short period of time.

Subliminals can be used to enact very powerful and deep change, but the consistent listening part is where a lot of people fall away and that is simply not a problem when you consider how immensely powerful they can be on our lives.

The only drawback is that you need to keep listening in order to gain the higher benefits and advantages that the audios can bring you, and for most of us that isn’t much of a problem considering how deeply our lives and finances will change over the coming weeks and months.

The Essentials Of Home Ownership FINANCES

Wouldn’t it be nice, and make more sense, if, potential homeowners, fully considered, the essentials of FINANCES, and planned, accordingly, to achieve their finest goals, expectations, and needs? Since, for most of us, the value of our house, represents our single – biggest, financial asset, shouldn’t we prepare, as well as possible, and proceed, with, eyes – wide – open? With that in mind, this article will briefly consider, examine, review, and discuss, using the mnemonic approach, why this, so often, makes the difference, between truly enjoying owning a home, and becoming overwhelmed, and needlessly, stressed, by the day – to – day, obstacles, of home ownership.

1. Funding; future: If we, first, examine and consider, as many areas of funding, etc, as possible, we reduce much unnecessary, and avoidable stresses, and hassles. Prepared homeowner, look, at both, current, as well as future needs, and structure, a relevant, quality, financial plan. Most only consider the need for having a down – payment, but overlook the necessary, future reserves, for repairs, renovations, upgrades, maintenance, and, in case of an unforeseen setback. Doing so, requires, a large degree of focus, and discipline!

2. Intentions: Know your personal intentions, before buying a house. Are your plans, to keep it for the longer – term, or, simply, as a starter home? This will dictate, the best way, to organize your personal finances, as it relates to owning a home, of your own!

3. Needs: Do you know, both, your present needs, as well as probable future ones? Those who plan, accordingly, are usually, best – prepared, and enjoy home ownership, in a less stressful way!

4. Asset: Think of your house. not only from an emotional perspective, but, also, as the most significant asset, in your portfolio! Protect it, by preparing for potential eventualities!

5. Nervous: It’s normal, to be, somewhat, nervous, about being a homeowner. The better you plan, and prepare, the happier, and least stressed, you will be!

6. Choices: You’ll face several choices, throughout the process, from the house – hunting, beginning, to owning a house. What kind of house, and property, do you need, will meet foreseeable future needs, and will satisfy, much of what you want, seek and desire? What renovations, upgrades, etc, might align with both your emotional, as well as logical components?

7. Emphasis: Don’t try to keep up, with the Jones’, but determine what’s most important to you, and where you should place, your emphasis!

8. Service; solution: What will serve you, and what is your solution, to aligning and coordinating, your approach, in a head/ heart balance?

The wisest homeowners consider, and prepare, their FINANCES. Will you be, your best friend, or, own, worst enemy?

A Finance Approval Can Be a Moving Target

Financing equipment in all markets is always a slightly moving target. Hard credit rules are constantly changing because underwriters and credit teams are pressured to make the right decision; their jobs depend on it. The squeeze on one end for lenders is to minimize bad debt by avoiding financing clients which end up in default. On the other end, lenders and investors need to make a profit and federal regulations require they approve a certain number of loans. The scenario is frustrating for both the customer and finance agent but we can confirm that investors are still lending and approvals are much higher than last year.

What are some common approval guidelines?

Complete financial disclosure is best for getting a quick decision. Knowing what your credit, assets, liabilities look like and how your company is performing will provide the underwriter a complete picture thus allowing them to offer the best terms possible. Hiding bad debt almost always comes out and simply delays or terminates the evaluation process so put all your cards on the table. Explain specific losses or why certain bills went unpaid.

Check your own credit score or Dun & Bradstreet report; if something negative pops up then work to correct or repair it before you fill out an application; there are many agencies which help correct or fix credit quickly. Rectify the issue and have proof that it has been cleared; this step will show the underwriter that your credit is being managed properly.

If you’re a smaller business, be prepared to PG (personally guarantee) your finance. It’s a blanket guarantee with your assets as a pledge that you will make your payments. If you don’t, then like any creditor, they will leverage or take your assets to repay the debt. Years ago, small businesses were not regularly asked to PG but now, they are. Lenders feel if you don’t “believe” in your business and prepared to stand behind it, then why should they. Side note; often high net worth individuals with poor cash flow feel they should get approved based on how much they are worth. This is often not the case, lenders are not in the business of filing lawsuits and chasing after assets for repayment which often results in a loss to them anyways. They want to lend to businesses which have a high probably of paying them back through their normal business operations.

Finally, write a brief summary of yourself, your business and why the finance request will benefit your company. Whether you are the vendor or the borrower, putting a human touch to the finance application goes a lot further than many people realize. Describe length of time in business, who the owners are with brief background, what products you sell and areas or markets you serve and describe the opportunities. It’s how you would describe the business in a two minute introduction to a stranger.

This market requires awareness and flexibility on both sides of the transaction; it’s not what lending was five years ago but in the long run it will be much better for all of us. Remember, you’re asking to borrow money from a stranger who has to be comfortable with your ability and willingness to pay them back.

Empowerment and Equality and Your Finances

The slogan “girl power” has been used for decades to encourage and celebrate female empowerment, independence, and confidence. The term used most often relates to sports and employment; however, new studies are showing that women need to exert their girl power when it comes to finances and financial planning.

A recent study released by UBS shows that 58% of women worldwide defer long-term financial decisions to their spouses. This study included nearly 3,700 high-net-worth married women, widows and divorcees in nine countries. The results of the study showed that 85% of women were responsible for the day-to-day finances; just not the long-term.

What is really interesting is the generational span of this survey and, most notably, the generation most likely to allow someone else to control their decisions: millennials! Millennials are a generation well known for promoting equality and empowerment. Unfortunately, the survey results indicate the helicopter-style parenting millennials were raised with, where someone else is always ensuring their well-being, has bled into the financial realm. Fifty-nine percent of millennial women aged 20 – 34 are more likely to allow their spouse to take the lead compared to 55% of women over 50. The general excuse from the younger women is they have “more urgent responsibilities than investing and financial planning”. Even more contradictory to the equality movement is they “believe their spouses know more about long-term finances than they do”.

The challenge this arrangement poses is the lack of preparation and understanding should a life event such as death or divorce occur. The report noted that 74% of the widowed and divorced women it surveyed reported “discovering negative financial surprises after a divorce or death of their spouse.” Hindsight resulted in 74% of these respondents wishing they had been more involved in long-term financial decisions while they were married, rather than trying to navigate them while coping with such significant life changes.”

The ideal solution is for both partners in a relationship to be aware of both the short- and long-term aspects of their finances. Whether you are married, engaged, common-law or committed, financial planning is another part of creating a responsible long-lasting arrangement between two parties. In this age, knowledge really is power. So be powerful, take control of your money.

Like the saying goes, the first step is recognizing the problem. Take the next step in addressing the problem.

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