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you wish you could go back blaming yourself regret after a while you start to realise that there s no going back don t lie to yourself when i say there s a moment you become okay with the debt it stops scaring you you face the fact of its not death knocking on your door it s a painful struggle but one with another side a way to escape getting into debt is easy getting out is hard life is hard death is easy so enough of the morbid and on to how reading this might help ways to cope with debt acceptance taking a moment to say to yourself yes i am responsible you may be surprised how many people can t admit to themselves the mistakes they made by accepting what you ve done you make it easier to understand how to stop the debt swallow you up into a pit of darkness you put control back into you your hands even when it feels like everything is falling apart be honest being in debt is hard enough so don t force yourself to be alone one thing important is what type of person you want to be when you look in the mirror what do you want to see a person who made mistakes but had the balls to face them or someone who lacks any moral ability to build their character starting with honesty hiding debt will cause guilt and anxiety sometimes even more emotional suffering will come from with holding the truth make a plan doesn t have to be one that fixes everything straight away but having something to slowly pulling out that knife you put in your own back oh yeah if you haven t noticed this wasn t written to tell you everything will be okay and not to worry no one will hold your hand walking the roads at night no one will jump in and fix every bad decision yo make i m writing this to help and in order to do that you must wake up take action or nothing will change someone once told me you need to stop being so hard on yourself you need to forgive yourself what i took from that wasn t to stop being hard on myself it was the reasons why i didn t forgive myself for my mistakes and that rage i was targeting at myself over things such as debt was useless dwelling on past bad decisions you ve made only allows those decisions to keep defining you forgive yourself and move on when we stop letting things control us we can breathe again coping with debt is the first step to getting out of debt why not thinking clearly being irrational lack of understanding being impulsive recklessness sounding somewhat how you managed to find yourself in debt coping rationally isn t how you got there but changing your mindset is a step to changing you ways that s why author laurenjquinn posted on 20th sep 2019 tags coping debt help life leave a comment on how to cope with debt knowledge is power if someone ever told you what made the world go round centuries after centuries what do you think they d say money power love science people art family from the dawn of time the human race has evolved and adapted its way of being dramatically but we all meet our friend death in the end all of your achievements and all your efforts will turn to dust it s a curious thing the worldly hope men set their hearts upon turns ashes or it prospers and anon like snow upon the desert s dusty face lighting a little hour or two is gone death makes us mortal and therefore means human life must make the most of the time that is given to us we get taught to dread death as if it were the end of the show death is a friend but the question is what is left behind what has guided our race from the caveman egyptian s the time of napoleon colonisation the world wars in the 1900 s to now power is a strange concept in which many seek to obtain it however there s only so much power in the world and like many come to realise that chasing power just becomes a game of cards where who holds the best hand always changes quite silly really to devote your life to something so fickle knowledge surely is science and is love and is the people what we know about the whole world around us all came from knowledge the science we defend for its credibility and factualism knowledge what we know about love and relationships knowledge the beauty of our ability to develop emotional intelligence compassion empathy and communication even when there are no words the foundation of the existence and importance of money is based off the understanding of trading one good for another which our modern world uses money as a controlling measure on the human race your own ego is what fuels the need to leave behind a legacy and to pass on the memory of yourself people say my children will carry me how far ask yourself unless you lived an absolutely extraordinary life where thousands will remember you throughout time what s then the meaning of life power lies within knowledge in every inch and fingertip in there you will find true meaning to improve your mind to improve your character it brings us into a state of being where we can understand that the point of life is simply the here and now the journey itself is the point the playing is the point the learning is the point the walking running jumping everyday is the point when we understand we can then see that everything all falls into the same happy stop chasing and start seeing so therefore the course of wisdom is the recognition that knowledge is power knowledge provides freedom and happiness author laurenjquinn posted on 5th sep 2019 10th sep 2019 tags education knowledge life passion personal development power wisdom leave a comment on knowledge is power make your day a little brighter everyday so what are very simple small things we could do everyday to make our days just a bit better work week stressing you out studying starting to feel like it s too much you feeling sluggish and heavy stop take one moment to breathe i know this always sounds so obvious and patronising but if you actually get in the habit of stopping what this actually means is that you develop the ability to reflect and reflection is key to improving head space reflection looking back over something or your thoughts with consideration so why do it by taking this time to think it makes you aware of the things in your life that have been the cause of the stress but also the moments where you appreciate something and by realising what they are you can incorporate more of these in your life sleep getting enough sleep i m sure we all by now is good for us and for some its easier than others whether sleeping enough can be as hard as having to take sleeping tablets at night or whether you never have time sleeping tips put your phone on night mode the bright light will keep you up why exposure to blue light before you go to bed significantly affects your sleep quality because it prevents your body from releasing melatonin a chemical in your body that helps you sleep all devices produce lots of blue light which during the day aren t a problem give up your late night snack eating late at night can cause weight gain according to a study reported by the university of pennsylvania s perelman school of medicine in june 2017 the report showed that participants not only gained weight but they also had higher glucose and insulin levels and less energy your body is busy processing the food you ve eaten which disrupts sleep set alarms to regulate your sleep so even if you aren t getting up for anything try to keep the amount you sleep the same everyone wants that weekend lie in and staying up later but try not to over sleep this may interrupt your body clock 7 8 hours sleep makes the difference is giving up your sleep worth you feeling grumpy and sluggish throughout the day have you ever thought about how the build up of always feeling tired impacts your mental health maybe cut out your nap by not napping this may make you feel more tired in the evening when its time for bed napping may be keeping you up so try push through and see if this makes a difference light dose of diazepam not natural but it may help you get into a routine if getting to sleep is really hard and natural methods aren t working for you eating what you put in your body can affect how you feel not just physically but mentally i m sure we ve all eaten a load of junk food and then started to think a hint of regret on how it ll effect your appearance try eating some more fiber rich and also foods which naturally boost your energy levels so these are little differences you could make each day of course the everyone is individual and different things work for different people but worth a try best thing about these changes of decision is that they don t require masses of commitment suggesting meditation or writing a journal are common when it comes to improving mood however not everyone has that kind of time so why not start with something small hope this can help inspire and promote feeling better within ourselves often think you wont regret doing something positive for yourself but you may regret not doing it thankyou author laurenjquinn posted on 4th sep 2019 10th sep 2019 tags happy life mental health positive reflection simple sleep leave a comment on make your day a little brighter everyday financial lingo explained banks and investors and pretty much anyone in finance like to use terms to alienate people basically so no one else knows what they are talking about i personally think its important to remove this barrier for anyone who wants more understanding of finance i mean who wouldn t want to understand the people handling their money you trust banks and money advisors everyday with your earnings you worked so hard for should you rely so much on them to make sense of things for you and base your decisions off well i m sceptical of this relationship and therefore take it upon myself to learn about how money works so i m going to start with some definitions of things that might come up when reading through finance sentiments a view or opinion that is held or expressed it s basically a point of view voting on what sentiment you hold over a the likely hood of a company s share going up worth more gaining more profits a economic bubble an economic bubble or asset bubble sometimes also referred to as a speculative bubble a market bubble a price bubble a financial bubble a speculative mania or a balloon is a situation in which asset prices appear to be based on implausible or inconsistent views about the future the wall street crash in american with the housing market there was a bubble there where the aaa mortgage packages were being filled with more and more risky deals people were taking out loans and didn t care if the person would struggle paying it back when the market crashed people lost their jobs homes and lives were ruined cryptocurrency a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds operating independently of a central bank decentralized cryptocurrencies such as bitcoin now provide an outlet for personal wealth that is beyond restriction and confiscation digital medium of exchange bonds a bond is a fixed interest financial asset issued by governments companies banks public utilities and other large entities when a party buys a bond it is basically lending funds to the issuer of the bond the main risks of investing in bonds include the following interest rate risk rising interest rates are a key risk for bond investors generally rising interest rates will result in falling bond prices reflecting the ability of investors to obtain an attractive rate of interest on their money elsewhere when you buy a bond you are lending money to the government or company that issued the bond and in return the government or company that issued the bond is agreeing to pay your money back with interest at some point in the future etfs an exchange traded fund etf is an investment fund traded on stock exchanges much like stocks an etf holds assets such as stocks commodities or bonds and generally operates with an arbitrage mechanism designed to keep it trading close to its net asset value although deviations can occasionally occur commodities a medium of exchange money with both value in use and value in exchange commodity money is first and foremost a commodity that provides users with satisfaction of their wants and needs an economic good such as a product of agriculture or mining agricultural commodities like grain and corn shares a share is one of a finite number of equal portions in the capital of a company entitling the owner to a proportion of distributed not reinvested profits dividends and to a portion of the value of the company in case of liquidation liquidation it s basically the conversion of assets into money businesses do this sometimes for example to pay off debts day s range is simply the range in which the company s stock traded the highest and lowest price the stock was that day market cap also known as market capitalization is the total market value of all of a company s outstanding shares it is also incorrectly known to some as what the company is really worth or in other words the value of the business beta in finance the beta β or beta coefficient of an investment is a measure of the risk arising from exposure to general market movements as opposed to idiosyncratic peculiar or individual factors the market portfolio of all investable assets has a beta of exactly 1 a beta below 1 can indicate either an investment with lower volatility ability to change rapidly and unpredictably especially for the worse than the market or a volatile investment whose price movements are not highly correlated with the market p e ratios the price earnings ratio also known as p e ratio p e or per is the ratio of a company s share stock price to the company s earnings per share the ratio is used for valuing companies and to find out whether they are overvalued or undervalued fibonacci dividend a sum of money paid regularly typically annually by a company to its shareholders out of its profits or reserves pivot point a pivot point is a technical analysis indicator or calculations used to determine the overall trend of the market over different time frames the pivot point itself is simply the average of the high low and closing prices from the previous trading day opinion piece so these are just a handful of terms used i ve recently downloaded an app on my phone called investing and these words were plastered all over the place i had no idea how to understand the stocks and shares and trading that goes being businesses internationally so using this knowledge i can work through the app to make sense of the data you can even buy shares if you want and potentially make money but first you d need a proper understanding of how it works it can be really fun and interesting i mean who doesn t like making money learning to invest your money in the right places expands your knowledge and ultimately you rely less on experts to tell you how to invest your money as you can t always trust...
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