How to Make Others Like You

One of the basic needs of man is to feel accepted.  Knowing this is the secret to establishing and maintaining great relationships with various types of people.

A number of books, articles and seminars have taken the role of educating people like you on the different ways of associating with people and building lasting relationships with them.  There are several things that you can do when associating with other people.

One of these is to make them feel accepted.  According to Maslow’s hierarchy of needs, one of man’s basic needs is to feel a sense of belonging to a group.  Man feels the sense of belonging in either small groups like a family and small circle of friends, or big groups like clubs, teams, associations, departments and parties.

People have to feel they belong and are needed.  One way to convey acceptance of people’s ideas is by simply listening.  Listening communicates the message that their thoughts are valued and their inputs are significant.  It answers the very basic need to belong and provides a sense of importance.

Credit Repair Leads To Brighter Future

Dealing with credit issues in today's society can be a lot worse than it may seem at first glance.  You may think that since you already have a mortgage and drive a great car, you do not need to worry about maintaining good credit. 

Wrong!

You might have found yourself with poor credit due to a failed business or simply rotten luck.  However, since you already own a house and a car, you may decide not to worry about repairing your credit.  Bad idea!  A messed up credit affects other things.

Money Saving Accounts

It's all about saving the money you earn by banking smart, and using your banking for financial growth.


1. Money in a bank account is safe.

A bank is one of the safest places to stash your cash. In the wake of the financial crisis of 2008, the federal government increased the level of insurance on bank accounts -- it's now $250,000 per depositor.

Save Money On Insurance

While insurance is one of the major consumer purchases we make, the product and the experience we derive from shopping for it share nothing in common with the exhilaration of buying, say, a new car, TV, or something else we really want. Because of that, the ability to save money on insurance is not always the first thing most people think about.

That's understandable yet unfortunate. If you add up what you spend on all forms of insurance—auto, health, home, and life, just for starters—the total can easily exceed $10,000 a year even for basic coverage, and can be double or triple that amount for more affluent households. While the process of buying insurance will never be enjoyable, you would be well-served to use the same shopping skills you've honed through countless retail purchases to save money on insurance.

Too often, however, consumers appear not to do their homework or look for the best insurance deals so that they can save money on insurance  They don't research what different policies cover. They don't shop multiple companies. They just don't behave like the eagle-eyed consumers they are in other retail settings. 

Here are 10 ways to become a better insurance consumer, to save money on insurance and get a product that better meets your needs in the process:


1. Understand that insurers don't think alike. Different insurance companies have their own models for pricing out the risk of insuring you. This is especially true when insuring things—cars, homes, boats, and the like. As a result, the very same coverage situation—driver, cars, driving record, etc.—may elicit widely different premiums from different insurers. "There's actually a pretty wide range in the premiums that companies charge for the exact same risk," says Tom Hollyer, head of product development at Progressive Insurance.

2. Comparison shop when you buy. Because price differences are so common, it pays to comparison shop when you first buy insurances.

3. Comparison shop when you renew. Don't assume that this year's best deal will still be the best deal when it's time to renew your coverage. When you get your first renewal notice, check to see if the rate has changed and look at competing policies. The wealth of online quoting tools makes this an easy task, particularly with sites that store your profile and easily can generate updated premium comparisons.

4. Match your coverage to your needs. Don't buy more protection than you really need. If you have modest assets, for example, don't buy an enormous liability ceiling on your auto insurance. At the same time, make sure you're not ignoring real risks that need protection. Are your mobile devices and computers covered, for example?

Money Supermarket Savings

before you go


make a list"Shopping with a list will save you 40 percent," says Phil Lempert, the "Supermarket Guru." "Since people tend to buy 80 to 85 percent of the same foods, use your receipts from the previous month to create a master list."
...and check it twiceCross off items you already have and give yourself some leeway. "Allow three splurges to keep impulse buying in check," says Lempert. 
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