Systematic Investment Plan (SIP)

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Money for Nothing

There was a time, not too many years ago, when relationship articles were the hot topic. They still are, but they’re not the hottest topic anymore. In its place is now money and security.

One of my publishers, whose opinions I greatly respect, was talking to me about the kinds of articles that most people are reading these days and we thought that with people so concerned about wanting to meet and marry their soul mate, that they were the articles most people gravitate toward. We were wrong.

I was looking over the stats of the articles that I’ve written over the last four years (over 900 articles) and what I discovered is that relationships, which used to be the prime focus of people, has been steadily losing ground to articles about money.

People are now more concerned about financial security than meeting their soul mate. There is more of a here today, gone tomorrow, way of looking at their lives. And business articles, which used to be a big drawing card, don’t seem to have the same impact that they used to.

Today’s hot topics center around getting money for nothing. People have always been attracted to articles about getting a lot of money without having to work for it, but lately, it’s been almost a mania, as evidenced by all the people who set up gofundme websites. This concept is now called crowdsourcing. I call it panhandling or standing there with a begging bowl in your hands asking strangers for money.

I had heard a story about a lazy, spoiled, twenty-one-year-old girl, who is in excellent health, setting up a gofundme website asking people to donate money so that she can go to Japan on a two-week vacation. The hands out, begging bowl concept, annoyed me so much that I wrote an article about it. And, wouldn’t you know it, but the number of people who read that one article climbed much higher and much faster than most of my other articles.

People take a look at Bill Gates and Warren Buffett and all they can see is the billions of dollars they have and they want to have what those two men have. They don’t see all the hard work that went into accumulating that wealth, nor do they see the kind of hard work they do to sustain their wealth. They just see a lot of money and they think they are entitled to the same riches.

Sad to say, but we’re living in a lazy, selfish, society these days and we’ve lost our moral compass along the way. We need to get back to the things that are really important before our whole society comes crumbling down around us.

Connie H. Deutsch is an internationally known business consultant and personal advisor who has a keen understanding of human nature and is a natural problem-solver.

Travel Tips – Shopping While Traveling

Shopping is an integral part of travel. When you go on travel, you are tempted to purchase a few goodies. Purchasing small items like purses or a small handicraft is ok. However, if you plan to purchase bulky items, you need a plan to transport them back to your home. Here are some travel tips for going on a shopping spree during vacations.Shopping before proceeding on travelBefore you proceed on a travel, make a list of items you will need. It includes toiletries, clothes, bag and baggage, non-prescribed medicines, any maps and books. Make sure every thing is as light and small as possible.Shopping at your vacation destination1. While purchasing a handicraft or any other thing, ensure it is unique and you will not get the same in your city handicraft stores. If the item is available in a nearby store, there is no need to purchase it unless it is available in down to earth rates.2. For bulky items, we suggest you to shop the items and ask the merchant to parcel them to you. While purchasing the items confirm if they have a facility to parcel it from the counter itself. Also, analyze if it will be cost effective to purchase an item and get it parceled to your home. Often the international freight charges are too high. So compare the price of your purchase and the shipping cost with the cost of item in local store.3. Always purchase items through your credit card. The advantage of purchasing through a credit card is that you have a proof of purchase and if merchant does not deliver the goods in time or in perfect shape, you can dispute the charge. Consult your credit card customer service about the dispute procedure.4. Make purchases in the last phase of your vacation. It has two benefits. One, you know the money left with you and can decide the budget for your purchase. Two, you need not carry this extra piece of luggage with you everywhere you go. Remember the important thing is to enjoy the vacation and not to purchase items. Most items are available in US at a reasonable price during off-season.5. Travel tips for temporary shopping: Some items you may want to use and throw. There are many things, which are not in fashion in US. However, if you are fascinated with them, purchase, use and part away during vacations. Items like stone jewelry, straw hats, T-shirts, local dress fall in this category. They may be attractive for a while but do not have a long time use.