US Finance World

Today there are many people in the United States who would actually benefit a lot if they use one of balance transfer credit card offers. Of course, if the balance transfers done through credit cards are free considering that there is a huge amount of transactions going on between credit cards.

When financial institutions and banks realized that they can give their customers such balance transfer offers, it resulted in the increased number of clients, as there are many people who really need to solve the problem with credit card debt. Read more…

Financial products such as interest free credit cards are useful when you use them on a regular basis, but what about if you have an emergency? Many people make use of their credit card for things such as this, like if they have an unexpected payment they need to make at short notice. As long as you stay within your credit limit, this is absolutely fine, but what about once you have taken care of the emergency?

Managing your credit card payments is always important as you have certain obligations to meet as a card holder. This means you need to make at least your minimum payment every month in order to keep up with your commitments. This is arguably even more important if you have used your credit card in an emergency situation, such as to take care of repair bills or to pay for a hotel if your car breaks down.

This is because the expenditure will be out of the norm for you, and so it is important to budget it for it so you can pay it off as quickly and easily as possible. Read more…

The Daily Beast has an article by Barry Schwartz (author of ) that serves as a nice compilation of various psychological and behavioral economics findings about money and happiness.

The first main topic is hedonic adaption. When things are awesome, we eventually get used to it (celebrities, lottery winners). When things are really awful, we tend to get used to that as well (disabled persons). This is why it’s hard for people to achieve a constantly higher level of happiness. We get a nicer car/house/toy, we get used it, and then soon we want an even nicer car/house/toy, never getting anywhere as if we are walking on a treadmill.

Simply knowing that the good feeling from that purchase is only temporary may help you cut back on your spending. In addition, author Dan Ariely suggests you by pacing yourself when it comes to experiencing pleasure, and (when needed) making painful cuts all at once. F

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The economy is improving in baby steps. But that may not have had an impact on your business yet.

If your small business is still struggling with cash flow, never fear, there are some quick and creative ways you can improve just by making a few tweaks in your  business.

I have recently published a new quick read book that can help you solve some of those cash flow problems. Its available in Amazon Kindle format (you dont need a Kindle to read it just get the free Kindle reading app).

In this book, you will learn eight creative tactics to get your cash flow moving in the right direction.

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Author Shawn Achor says that the happiness advantage, Asks us to be realistic about the present while maximizing our potential for the future. I love this statement because it encourages us to realistically acknowledge our present circumstances without allowing them to predict our future ones. In other words, we do not have to put on rose-colored glasses in order to feel hopeful about the future, and most importantly to act on that hope to produce the results we want.

Last week, we read about Principle #1: The Happiness Advantage and Principle #2: The Fulcrum and The Lever. So lets get started. What are the first two principles Achor says can help us leverage happiness to our advantage?

1. Principle No. 1: The happiness advantage? This section of the book is filled with proof that the happiest people perform best in many areas of life, and in particular, in workplace productivity.

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My desperation to be at a football match meant I almost played into the hands of a scammer.

I nearly had a disastrous start to 2012, when my desperation to be at a football match meant I almost fell victim to a scammer.

Tickets for the game had sold out weeks in advance, and for various reasons I’d missed out on them. I’d even entered competitions to win some, but no joy.

So I thought I’d take a final punt and put an ad on the local sections of free classified ad website Gumtree.

I said I was looking for two tickets in the home end (although I support the away team) as I reasoned the odds were better. I put my mobile phone number on the ad and asked for people who couldn’t attend the game for whatever reason to call me.

To my surprise and delight, within 20 minutes of the ad going live on the site, I had a text: “Hi. I have two tickets for the game. I have ha

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