Possible for everyone

How to Stay Positive While Paying off Massive Debt Today

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One of the most anxiety-triggering factors that stress an individual is paying off massive debts. Some people who are in this dilemma might lose hope or might get depressed thinking that being stuck means unable to recover. But, think about it closely, debt does not really hurt at all. It is the shame that people might cause you if you won’t be able to pay your debt, most likely if it is borrowed from a person. How bad as it may seem, is there any way to treat this seemingly failure into something good?  This article finds a way to share with some important insights on how to stay positive amidst paying off massive debt.

Check your Credit Report

In order to stay positive, you have to see reality first. People are usually mistaken to only focus on the delusional zero debt without doing something. To see the reality means you see your credit report which contains your good and bad records of your financial history. If you don’t have a copy then order your report first. In the report, check if your standing is good as presented by the credit rating and good remarks. Likewise, see also if there are missed payments and negative remarks. Pay close attention to the terms of payment and the amount assigned. In doing this, you are practically dissecting your debt in bits making it more possible to pay-off.

Earn More

Obviously, if your debt is massive then you also need a massive source of income. If your current job doesn’t make you earn that can pay off your debt, then add a sideline or sell something. In this area, you may prefer to maximize your hobbies or interest. More than that, you can save something from your salary and allocate it in an investment facility that has the capacity to make your money grow. What you earn from this is called a passive income. It is passive because it is the money that is working for you. Hence, by having more than one source of income adds to your confidence and makes you stay positive.

Spend less

To double the effort, spend less than what you can. Some people have a bad habit when they earn big they also spend big. Worse, some earn only a little but spends big. If you are like this, then it becomes problematic. However, when you increase your income and lessen your expenditures it gives you more sources to allocate in paying off your debt. As result, without you knowing, your debt is over and you have increased your savings coming off the excess. You may now use it in things more productive for you.

Aim for the Goal

Most people paying off debt are only focused on the debt. Meaning they work only to pay their debts and this is something to regret if you are in this position. But, to stay positive, instead of focusing on paying a debt, why not focus on achieving goals. These goals maybe some of your ambitions or dreams like travel or house or something to look forward. Consequently, you make yourself feeling excited and motivated rather than become anxious about your debt. Besides, it is happier to work hard for something you like, than work out something so that you can escape.

Develop a Growth Mindset

Debts could be devastating but it’s all in the mind. Most people are preconditioned that you have loans then you are doomed already. However, debts are just like roads wherein you will just pass by it and it will be over. Meaning to say, you may treat your debts as part of the hurdles for you to pass on and become victorious in the end. By overcoming this, it will contribute a significant level of change and maturity. So develop a growth mindset and aim for continuous development.

Conclusion

Debts may not be detrimental by far because we can still stay positive despite it. Being positive means choosing to be one. It is not something that you feel out of experiencing something. You can stay positive by focusing on reality, adding something valuable, and lessen the cause of the problem. Just like happiness, it is always a choice. Everyone can choose to be happy. That’s why even in debt, you can still enjoy life.

Author’s Bio

Dennis Martin Eivan is a graduate student currently in his thesis writing phase finishing a Master’s Degree Major in Clinical Psychology. His research and writing interests are in education, entrepreneurship, finance, motivation, nutrition, psychology, and social sciences.

Positive Words Research – How to Stay Positive While Paying off Massive Debt

How to Stay Positive While Paying off Massive Debt

9 Essential Types of Business Writing You Should Master

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In the business world, the majority of communication is written, making it important to master business writing. Effective business writing will ensure you are clearly understood, as well as showing respect for the receiver. It will make you stand out as an intelligent, credible, and confident employee.

1. Emails

Emails are a quick, cost-effective way to communicate with your employees, co-workers, clients, and customers. They’re one of the most used methods of communication in today’s business world, so it’s important to make sure your emails make a good impression. The following tips can help you hit the mark.

  • Write a clear subject line.
  • Keep it short and simple. Avoid unnecessary adjectives and long-winded ways of making a point. As Amanda Goldman, synthesis essay outline writer at SolidEssay.com says, “Be ruthless about self-editing; if you don’t need a word, cut it.”
  • Avoid jargon and big words when possible.
  • Use full words. Don’t use shorthand, emojis, or internet slang.
  • Use a professional sign-off.

 2. Reports

Reports can be used to convey important information, attract investors, and set goals and plans for the future. Writing a good report can make sure your readers make it to the important stuff. In reports, formatting can be almost as important as content. Jessica Miller, APA outline expert at ConfidentWriters.com, recommends the following tips to make sure you get the right flow as well as content.

  • Think about the who, what, where, when and why before you start writing.
  • Organize your ideas logically:
    • Introduction
    • Purpose
    • Research
    • Conclusion
    • Call to action
  • Use lists to pull out important information.

 3. Memos

Memos are commonly sent via email today. They can be used to make announcements, convey changes in policies or procedures, or as reminders. They can be very useful tools for a manager when used effectively in the following ways.

  • Write a subject line that tells the reader’s what the memo is about.
  • Get to the point immediately. Supporting facts follow.
  • Identify the problem and propose a solution.

 4. Handbooks

Employee handbooks are hugely important. They ensure everyone is on the same page as far as policies and procedures are concerned and give employees something to refer back to if they ever need to. According to Brian Wilson, HR Director at Example Papers, “making your handbook employees actually want to read can really elevate it to the next level and help ingrain those policies into their heads.”

  • Open with your company’s mission statement. Get employees excited about your core values.
  • Rather than just telling employees what policies your company enforces, tell them why. What are the reasons behind each policy?
  • Include perks in your handbook.
  • Think outside the box. Make the handbook fun so employees want to read it.

 5. Newsletters

Internal newsletters can be used to get news to your employees that are interesting or valuable but not necessarily time-sensitive. External newsletters can help grow your client base and garner interest, but how do you write an effective newsletter?

  • Know your audience. What’s important to them?
  • Choose the most important information, like product updates, changes in benefits, or job vacancies. Don’t cram in everything.
  • Use visual elements such as photos or infographics.

 6. Press Releases

A press release can be a great marketing tool, especially for small businesses. It’s a free way to get your message, event, or opening into the public eye. It’s important to write an engaging one so the media will be engaged.

  • Start with a great opening sentence and then who, what, where, when and why.
  • Keep it to one page if possible.
  • Use search engine optimization keywords.

 7. Meeting Agendas

Setting an agenda can make or break your business meeting. Having one keeps the meeting on track, ensures the important topics are covered first in case anyone has to leave early, and minimizes wasted time.

  • Start simple. What time is it? Who should go? Where?
  • Establish the objective in one or two sentences.
  • Schedule topics from most important to least and allot time based on content.
  • Keep it to under five topics.

 8. Resumes

Never underestimate the value of a good resume. It’s often the first impression a potential employer has of you. It should be a detailed summary of your qualifications that presents you in the best light possible. The following tips by Ashley Summers, resume writer at SwiftPapers, are just a few of the most important ones you should take into consideration when writing your resume.

  • Keep it consistent and double check spelling and grammar.
  • The font size should be between 10-12.
  • Focus on the job you’re applying for and highlight the skills that qualify you for it.
  • Check your spelling and grammar again. Nothing gets a resume tossed out faster than typos.

 9. Cover Letters

A cover letter allows you to highlight qualifications and enthusiasm for the job that you may not be able to with just a resume. You can add in relevant skills from your personal life that make you perfect for the job. Cover letters can be difficult, but here are a few suggestions to help you get started:

  • Research the company’s challenges and culture.
  • Start with why the job is exciting to you. Be enthusiastic.
  • Address the letter directly. You may have to do some research to find the name of the hiring manager.
  • Customize your letter to each job.

With any business writing, it’s wise to use plain language, stick to the point, and proofread, proofread, proofread. Always use a professional tone but think outside the box and try to make it something people actually want to read. Use these tips to help you master the art of business writing for your career.

Author bio: Paul Bates is an experienced business writer at EssayTask and PaperAdepts. He also works as a part-time editor at DedicatedWriters.

Positive Words Research – 9 Essential Types of Business Writing You Should Master

9 Essential Types of Business Writing You Should Master

Importance Of Spiritual Care And How We Can Improve It

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No matter at what moment we are in life, whether we are deepening our studies or leaving the children at school, we can all agree that finding time to take care of ourselves is of vital importance. Finding time for ourselves is the beginning of self-reflection and the reflection is the foundation of how we understand the meaning of our lives. By reflecting on everything we will be trained to be able to see problems from various perspectives.

However, although we all know it, most women devote time on a regular basis to personal care and attention. Instead, we put ourselves in the background and take care of the needs of everyone else first. And although it can be heroic at times, it is also harmful; it is harmful for health to overlook the needs of our body.

As in this fast-paced culture, how can we improve in our personal, physical, mental and spiritual care? We often hear advice like ‘eat real food’, ‘exercise regularly’ and ‘get enough sleep’, but I think the issue goes further. Here you will find four tips, adapted from my own experience , that focus more on the spiritual aspects of treating your whole being, both physical and spiritual, with kindness. To get more info you can visit Bestpsychics.club.

Have mercy on yourself.

Sometimes it may be easier to have compassion for others than for yourself. It is possible that you are giving other people second, third or even infinite opportunities, but to your own actions and thoughts, you give them the very little margin of error. When you make mistakes, do you reproduce them again and again in your head and find new details each time you see that you have made a mistake? It’s a common feeling, but it’s not healthy. Errors are natural as long as you don’t do it intentionally. What’s more important is to make peace with these mistakes while looking for ways not to repeat the same mistakes.

The first step in spiritual care is to realize that we all make mistakes and nothing happens because we are not perfect. If you are a believer, always bear in mind that God is bigger than our mistakes and problems. And the first step to accepting His forgiveness is to be merciful to ourselves and to recognize that we need help with our own care giving us permission to be human.

At the end of each day, remember the good things you have

Sometimes life is so busy that the only time left for one to think about it is at the end of the day, lying on the bed. It can be easy to fall into a habit of negativity, punishing yourself thoroughly for everything you’ve done wrong that day and thinking about what you could have done better.

Instead, try to think of the times you have been blessed throughout the day. They do not have to be extraordinary moments. They can be simple things, like an avenue with all the traffic lights in green way of the work, or that your husband makes the bed in the morning. Here is a simple way to start: share in your social media profile the little things for which you feel grateful every day.

When you are able to find joy even in the smallest moments, you are learning to find kindness and gratitude in all your days. And after all that practice seeing the good of creation, it may be easier for you to learn to apply that lens of kindness and gratitude to yourself. And when you feel better about yourself, you will be more willing to do things that are good for your body, such as exercising and maintaining a good diet.

Be aware that you are unique

Believe in God? He thinks you’re smart. He knows that you are unique and that there is no one else like you. He thought of you from the beginning of time. You are never too much for Him and you are always enough for Him. He created you and called you good. We have all passed by, and He loves us. On the days that you focus on your care, do not forget to focus on the person who cares most about you and loves you and knows you more. Every human being is unique and has its own advantages and disadvantages. This is a fact that we must accept and we should not view others as better as or worse than ourselves. By seeing all humans as equals, we will not be easily discouraged when we experience failure in life.

Taking a day off might be a need for you.

Mental prayer should not be seen as something exceptional, something that is done in a time taken from other activities but should become a habit, part of the normal rhythm of our lives so that its place is never questioned, not even a day. The time we spend away from the stress of daily life is not something that we should feel shame or guilt. In fact, that time on the sidelines is essential for our well-being and personal care. Mental prayer should become a daily event as vital to us as the basic rhythm of existence. It should be the breathing of our souls. Do not feel guilty for wanting to take a break and let your soul just breathe. There is time to work,and there is time to rest. Balance is a marker of whether our lives are normal or not. We are not slaves but free individuals and to note, no happiness without independence.

You need to find your own spiritual path and your smartphone can help you.

Sometimes you can’t do everything yourself. You need guidance from an expert and searching online is the most reasonable choice. You don’t need to ask people on the street, spend your valuable time. With just a few keywords you can get the spiritual help you want and need.

To help you, here we show some recommended apps for positive thinking. They are available for both iOS and Android. Whatever your smartphone is, you can enjoy spiritual guidance from them.

Best Psychics Ask Them now

IOS – https://itunes.apple.com/us/app/best-psychics-ask-them-now/id1179896065?mt=8

Android – https://play.google.com/store/apps/details?id=com.clubbestpsychics.clubbestpsychics&hl=en

Psychic Reading Prediction

IOS – https://itunes.apple.com/us/app/free-psychic-reading-prediction/id1161144247?mt=8

Android – https://play.google.com/store/apps/details?id=com.freepsychicreading&hl=en

Live Palm Reading

IOS – https://itunes.apple.com/us/app/live-palm-reading/id1249932743?mt=8

Android – https://play.google.com/store/apps/details?id=com.psychicpalmchat

Tarot Card Reading Prediction

IOS – https://itunes.apple.com/us/app/tarot-card-reading-predictions/id1329465116?ls=1&mt=8

Android – https://play.google.com/store/apps/details?id=com.kasambatarot

Psychic Mediums

IOS – https://itunes.apple.com/us/app/psychic-mediums/id1215431994?mt=8

Android – https://play.google.com/store/apps/details?id=com.psychicmediumchat

4 online spiritual services above are highly recommended for busy people who do not have enough time to conduct spiritual consultation sessions. By utilizing online spiritual services, you can get spiritual guidance anytime and anywhere. Everything is presented on your small screen! The times when you have to make an appointment with someone to do a spiritual consultation session are over. Today you can immediately seek spiritual help and get it immediately, even when you are in your comfortable bed. The internet has changed everything, including how we can get spiritual guidance to make our lives more balanced and better. Hopefully this article can enlighten you about the importance of the spiritual side as a puzzle that shapes your whole life. Finally, live in balance and be happy!

Much Ado About Success: Possible For Everyone in 6 Steps

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Success! What an overused, misunderstood word!

Many motivational speakers speak about what produces success. They promote varied ideas to gain it, such as writing goals, developing self-confidence, setting minds on objectives, etc. But they don’t tell what success is!

Yes, writing goals is helpful — and keeping them in front of us. Rewriting them, adjusting them, is part of that. Today, writing goals is especially helpful because of countless distractions around us, especially the non-factual ones.

Yet, at least one successful person never wrote down goals. Rush Limbaugh said he’s never done that—and none can claim he’s not successful in his arena, no matter our political persuasion. So, writing goals isn’t a requisite.

1. Self-confidence and self-esteem

Developing better self-confidence is helpful. But, the current practice of giving unwarranted ‘rewards’ for just competing for causes confusion, not confidence. Plus, the culture’s habit of name-calling when people stand up for something or someone damages confidence. Yet, thinking we need to tell ourselves how smart or talented we are or how we can do something better than another isn’t the answer, either. We know within ourselves if we are smart or talented, and to compare ourselves to others is pointless.

Nothing builds self-esteem more than striving for, and doing, good — and doing what is right, despite risks. Seeking goodness, utilizing our talents in the best ways, helping others, all help us see our true worth, which develops our confidence and happiness! It may seem odd initially, but self-esteem increases humility which is attractive! Why else seek humility?

St Augustine said, “It was pride that changed angels into devils; it is humility that makes men as angels.” St Augustine was a learned man, a theologian, a philosopher, an influential man in his era and today. Could he be right?

2. Patience and Goals

Now, setting our minds on our ultimate objectives is important. Yet, if the goal is a long-range goal, (the best ones are!), we need the patience to live with the delay, not get discouraged and stay focused. Why else seek patience?

Psychologists report that patience is power, born of understanding! So, we grow in internal strength and endurance, making life easier, and making our bodies healthier!

Of course, for ‘believers,’ prayer is powerful for goal assistance, though we don’t always see the effect. One thing, for sure: prayer never hurts!

3. Our own kind of success

But striving for/gaining success is never good when it’s a result of ‘walking on others.’ If we leave a trail behind us of people hurting because of our activities/words, then that’s a fake success. It cannot produce goodness but results in a rotten tree that produces rotten fruit. We may obtain more money, more power, more prestige. But in truth, we’ll be a failure. Looking inside ourselves, if we’re honest, we cannot feel good about obtaining gain through others’ losses. Though we may try to puff ourselves up, ignore our faults, and forget others’ pain, we will ultimately find misery from guilt.

If we experienced harm through someone rising in rank due to unethical practices or injustice, we cannot let ourselves sink to the same level. We can find our own success, no matter where we are, what our status is, how much we make.

4. Ingenuity

In addition, we don’t find success via mandated to-do lists. Without freedom of using our ingenuity, we may accomplish tasks, but not find success in them. Likewise, if we mandate others, that doesn’t create success for us or them.

I don’t claim to have all the answers. I’m no expert and I’ve not made millions or even hundreds giving advice on success. I’ve only advised teams, in several companies, and I was ‘in the trenches with them,’ working for their successes as well as mine. Most of this is based on a combination of common sense, experience as a manager and an underlying, referring to wise leaders, and studying ‘success.’

5. So, what is ‘success?’

‘To each, his own!’ We can be successful in challenging conversations. We can find success in difficult projects. We can appreciate success in our hobbies.

There are different degrees, different types, of success. We’re only failures if we quit trying. The famous Zig Ziglar said, “A failure is an event, not a person.” So, when we persist, we’re being successful in advancing toward our goals!

So, perhaps ‘success’ is simply found in setting our minds on goals, being patient, and doing good in helping others in the meantime!

Consider a poor, old woman who begged for food and money. She said, “When you don’t have anything, then you have everything.” Sound like success? Hint:  She didn’t beg for herself.

6. Actions speak for themselves

Mother Teresa served others/ loved everyone through her words and actions. She served the lowly, the dying, the dirty, never thinking about herself. In her humble work in an obscure location, was she successful?

She received the Nobel Peace Prize for spreading love, and 120 other awards/ honors, including the highest U.S. civilian award, the Presidential Medal of Freedom. But she would not claim success, only continual efforts.

Mother Teresa made powerful statements, relevant here:

If you’re kind, people may accuse you of ulterior motives. Be kind anyway.

If you do good today, people forget it tomorrow. Do good anyway.

If you do your best, it will never be enough. Do your best anyway.

If you find serenity and happiness, some will be jealous. Be happy anyway.

If you’re successful, you’ll win some unfaithful friends and some genuine enemies. Succeed anyway.

There’s not much to be said after that!

Author’s Bio

Monica Walker

Monica Walker is a wife of 50 yrs, mother of 5, grandmother of 23.
She was a Region Manager at Augustine Institute, a Manager & Mortgage Underwriter at Bank of America, and the Owner of Rushmore Resources.
She is a Published freelance author — various city publications, weekly & monthly church publications, an Author — three books ready to publish, and a Poet/ Songwriter–ninety songs ready to submit.
She was also listed as an “Outstanding Young Woman of America,” and was a Guest on the televised Business Awakenings show. Monica lives in the United States.

Positive Words Research – Much Ado About Success: Possible For Everyone?