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Archive for the ‘Un-Business Stuff’ Category

What To Know Before Buying A Condo

In Un-Business Stuff on October 15, 2018 at 8:15 am

There are many things to know about buying a condo. One of them is that you are buying into a community-style of living. After all, your apartment and the next one is separated by walls. You learn to share public amenities with other people. You own just the space that is within your walls. Other facilities such as staircases, recreational courts, swimming pool and many more are shared. Living in a condo gives you an opportunity to affordably enjoy some of the things that would cost you much more if you were to live in a regular, detached home.

But first, here are the most important things to know about buying a condo:

Know How The Condo Association Is Managed

When you buy a condo, just know that you are buying into a community. Thus, as you sign that contract to buy the condo, know that you are signing an agreement to abide with the community rules, to live in peace with all the people living there. It is paramount to ask how the condo is managed. Ask questions about the HOA fees, about the regulations and anything else. You should also know the financial health of the association. If it does not have any money, they could raise the HOA fees soon, or there could be issues when there is need for exterior repairs.

Ask To See The Association’s Budget

It will be hard for the association to give their yearly budget to a potential buyer. However, you can ask the person who is selling you the condo to ask for the budget and bring it to you. Condo owners pay a monthly fee to the association for the shared amenities and for repairs. Thus, if the condo you want to buy is old and worn down, the fees may be higher. That is why you should see the budget.

You Still Need The Help Of A Real Estate Agent

Treat condo buying with the seriousness that it deserves. Get professional assistance and it will make things easier for you. Your real estate agent can really help you cut through the muck and buy a condo faster. At the same time, the real estate agent will also advise you appropriately. He or she knows all the condos on sale in different areas. Thus, he/she might even advise you to forget the new condos and take an older one that is in good condition to save money. If you are from Los Angeles, you can check out condo sale Los Angeles.

Condos Are Not Always Bliss; They Have Some Drawbacks

Buying a new home means knowing everything about home ownership. Condo life is not for everyone. For example, if you are not a very social person, you may not enjoy living in a condo. You have to share recreational spaces with your neighbors. However, if you are a senior and you want to live in a home where the exterior, grounds and other things are taken care of by others, condo life is ideal for you.

Condo Insurance Is Cheaper

Although you will have to buy private insurance for your condo, it is still cheaper than what a detached home would get. There is also homeowners insurance that is paid by the community. It covers the condos against theft, fire, flooding and other risks. Public areas have insurance policy that all condo owners pay through the HOA fees.

There May Be More Fees In Future

When the association does not have enough funds in reserve, condo owners may be charged special assessment fees in future should major repairs arise. This is why we said you have to see the association’s budget. If the condo is older, it is likely to have less money in the reserve fund and therefore they are bound to need to impose a special assessment fee in future.

Find Out About The Delinquency Rates

When the condo building has many owners who are behind on their dues, it might be hard to get financing. Banks and mortgage providers consider many things when giving financing for homes, and the delinquency rate is one of them. It would be best to buy into a condo building which has a delinquency rate is lower than 15%. In addition, if the delinquency rate is high, it means the recreational facilities may suffer in future.

Conclusion

Buying a condo can have so many advantages but it comes with its own set of disadvantages. Knowing the above mentioned things should help you make a better and well-informed decision. If you are from Santa Monica California, you can visit condo for sale Santa Monica to find some of the best condos available in the city.

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Repairing The Damages Caused By Impulsive Spending

In Un-Business Stuff, What You Need To Know About Small Business on August 30, 2018 at 5:06 pm

Impulse purchasing can be a fun thing. After all, how can we say no to an amazing deal? Unfortunately, those impulsive purchases can come back to haunt us. One of the potential causes for destroying credit ratings is traced back to people making impulse purchases.

Impulse buys can be plenty of fun, but if taken to serious extremes the results can be disastrous for credit accounts. If you choose to ignore the ever-growing size of your credit card statements, fixing your credit becomes increasingly difficult.

Nobody said that it can’t be done, though. Even if someone plunges deep into trouble, simple yet profound changes in behavior can save your credit. Of course, it’s easier said than done; finding the right credit repair answers isn’t a mystery though. In fact, they’re a lot more obvious than you think.

Recognizing the Problem

Before anything can be done, you need to recognize that there is a problem. This comes when a person realizes the negative effect the unnecessary spending is having on their credit. There also might be a psychological aspect to it as well, however.

Dr. Ian Zimmerman of Psychology Today stated that there are a few reasons behind impulse buying:

  1. Impulse spenders are concerned about their social status.
  2. Anxiety and emotional instability often accompany these people, which affects their ability to make rational decisions
  3. Lower levels of happiness create a need to fill in empty spaces with something fulfilling, like shopping.

It can take a tremendous amount of pride for someone to admit to having a problem with impulsive spending—the realization could be embarrassing for the individual. Even so, when said problem results in a damaged credit, humiliation is nothing compared to the long-term pain of financial ruin.

Preparing a Budget

If you’re going to resist the urge to impulsively buy things, you need to do what you can to stop yourself from doing so. This becomes much more practical once a shopping list is formed. A shopping list serves the purpose of making unnecessary spending a crime by not allowing anything else to be purchased outside the limits of the budget.

On that note, a personal budget based on your monthly income should always be kept as well. Once you see how much money is typically used for bills, food, and other necessary expenses, you’ll find that it gets harder to buy things without having planned to do so.

Avoid Tempting Situations

If you want to avoid buying things on impulse, don’t go to stores where you know you’ll spend your money. When these places are avoided, the temptation to spend money will be decreased. While it may be easier said than done, this is perhaps the most fundamental way to keep yourself from potentially damaging your credit.

This can prove to be tricky since there are lots of places to spend money online, which makes impulse buying as simple as a few clicks. Working through the urge to spend money carelessly will enable you to stop and realize that some things just aren’t worth spending money on.

Credit Repair is Possible

Knowing you have a problem with impulsive buying and working to fix it isn’t easy, but it can be done. The less you impulsively buy, the easier it becomes to repair your credit—payments become much more manageable and can be paid on time. The natural result of this will be stronger credit scores, more money, and an easier time getting loans for things you need, like a house or a new car.

This post may contain affiliate links.

Ideas For How To Strengthen Your Marriage

In Un-Business Stuff on June 26, 2018 at 8:38 am

For those who decide to marry, you know that it can be a challenging and rewarding relationship all at the same time. You love your spouse, but there are days that you argue which causes unwanted friction in your relationship.

The upside to all of this is that there are practical ways for how you can strengthen your marriage and grow closer to one another. All it takes is a little extra effort on both sides and you two committing to deepening your bond and falling even more in love as time goes on. Remember to try to enjoy the experience and all the benefits it brings to your marriage.

Spend Quality Time Together

Passing each other in the hallway and hardly noticing each other’s existence isn’t what’s going to help you strengthen your relationship. You need to block off your calendars for spending quality time together where you can participate in activities you both enjoy. Think back to when you first started dating and all the fun you had when you were young and in love. Bring back these feelings by giving each other your undivided attention and being together in a relaxed environment where you can simply take pleasure in one another’s company. Switch off who plans the date night to keep it interesting and share the responsibility between the two of you.

Discuss & Manage Your Finances Collectively

One of the main reasons marriages split up is because of financial disagreements or troubles. It’s important you work together and come up with a plan for how you want to manage your money as a team. Refer to a resource such as Bonsai Finance to learn about the pros and cons of opening a joint bank account and additional money management tips. Stop blaming each other for irresponsible spending habits and instead come up with a plan of attack jointly for how you want to proceed in the future. This is one task you want to put at the top of your to-do list if you’re going to truly be happy in the long-term.

Communicate Openly & Talk about Your Day

Honest and open communication is essential for strengthening your relationship and getting to new levels of intimacy with your partner. Being secretive and shying away from sharing important details with your spouse won’t help to win over their trust. One way to help you overcome any barriers is to get in the habit of sharing about your day with each other. You should both be willing to listen and ask relevant questions so you understand where the other is coming from and can offer advice if necessary. Holding back information or talking over each other will keep you from getting on the same page.

Stop Comparing Yourselves to Others

Strengthen your marriage when you stop comparing yourselves to others and external relationships. It’s tempting to do when you see people who appear happy on the surface, but you don’t know what’s truly going on in their lives. Focus on your spouse and improving your situation first and foremost and stop worrying about what others are doing. You’ll accomplish more and get further ahead when you’re giving the one you love your undivided attention and working together to strengthen your marriage. While adapting behaviors from healthy relationships is encouraged, you should never try to mimic people whose lives you know nothing about in the first place.

Show & Express Gratitude & Appreciation for Each Other

Be mindful that you’re taking the time to express gratitude and show appreciation for each other and what you individually contribute to the relationship. Surprise one another with kind gestures such as helping out with chores or around the house when the other person least expects it. These are exactly the types of improvements you need if you’re going to get through difficult times. Be vocal about how you feel toward your spouse by saying you love them out loud and not simply assuming they know that you’re thinking it. Speak up and say thank you to each other once in a while and don’t be afraid to be vulnerable with your partner.

Be Respectful

A little respect goes a long way, especially in a marriage, so never underestimate the power of this suggestion. You can accomplish this goal by being considerate of the other person’s space and their feelings if you want to strengthen your bond. Build trust instead of snooping around and assuming the person you love is behaving poorly or going behind your back. Not only demonstrate respect by your actions, but also verbally with your words and how you speak to one another at all times. It’s important you treat each other with proper respect both in public and behind closed doors if you want to find long-term success as a couple.

Problem Solve instead of Complain

You can complain all you want about what’s wrong or tough about your marriage, but that’s not what’s going to help you two last for years to come. Focus your efforts on communicating and problem solving your way to better days ahead. Work as a team to come up with solutions, instead of arguing and blaming one another for mistakes each of you has made in the past. Sit down and discuss the issue at hand and talk through what’s on your mind versus assuming the other person knows what you’re thinking. Your problems aren’t going to go away until you get to the root causes and both move past them without holding any grudges.

Conclusion

Marriage is work and takes both parties contributing and giving it their all if you’re going to see positive results. Strengthen your marriage using these ideas and take note of how much happier and satisfying your life becomes. Accept that there will be obstacles along the way, but that you can overcome these road bumps if you and your loved one are willing to put your differences aside and focus on why you two fell in love in the first place.

This post may contain affiliate links.

Is Your Counselor The Best Choice For You?

In Un-Business Stuff on June 21, 2018 at 8:25 am

 

Choosing a counselor that is right for you isn’t an easy task. The best counselors help to motivate you, treat your problems, and help you discover new traits about yourself, but some of the most ineffective counselors can end up causing their clients more harm than good. Just like in any profession, there are going to be counselors that aren’t as good as others. Here are some red flags that the counselor you’ve picked isn’t for you.

They Don’t Accept Feedback

Being a counselor doesn’t involve just providing you with ways to help you cope with things that you’re struggling with to help you grow. Your counselor needs to grow along with their clients as well, in their therapeutic relationship. One way to do that is to listen to the feedback that their clients give them and adapt their treatment plan accordingly. However, if the therapist gets aggressive after criticism, or they continue with the same treatment that the client wasn’t happy with, it may be time for you to consider another therapist.

They Put You Down

A good therapist will use psychological techniques and empathetic communication to help a client understand that some of their problems may be self-perpetuating, and this will help the client to accept the feedback, as well as change their approach to whatever issue it is that they’re working through. However, a therapist that harshly criticizes, berates, or does not realize how they communicate is upsetting the client or making them defensive is not one with whom you can have a constructive therapeutic relationship.

They Don’t Respect Your Beliefs

A counselor needs to be empathetic towards and sensitive to all different types of backgrounds, experiences, and beliefs. Each counselor has their own set of beliefs, but they need to put these aside when working with their clients. If your counselor is trying to force their views on you, or convert you to or convince you of their beliefs, this is a bad sign. Unless you’re in a potentially harmful environment, you shouldn’t feel like your therapist is challenging your beliefs.

They Don’t Respect the Privacy of Other Clients

A therapist needs to practice the utmost confidentiality at all times. If your situation is similar to another client’s, the therapist may mention the client in general, but they cannot give any information that identifies the client. If they are casually mentioning other clients’ names, or giving identifying information other than their name (e.g., where they work), then this is a problem.

They Are Hardly on Time or Available

Sometimes, a counselor may not be on time – incidents and emergencies happen. However, a counselor who is constantly late, repeatedly canceling appointments, or is always difficult to reach may be someone who you don’t want to work with.

They Barely Talk

A therapist needs to be a good listener, but there comes a time when they need to respond and offer feedback. If you feel like you’ve been able to vent but unable to practice any new coping skills since you haven’t learned any, there needs to be some kind of intervention in the therapeutic relationship and process. You need a therapist who can not only listen, but also respond with constructive techniques that will help you cope.

Other than the reasons listed above, you can also read reviews from other clients and see if a certain counselor is right for you before you even attend your first session. Online counseling services such as BetterHelp try to pair you with a counselor who is best for you as soon as you sign up, but as with any other therapeutic relationship, it may take more than one try before you’re paired with the counselor who works with you best. Don’t be afraid to take charge of your mental health journey if you feel like you are stuck with a therapist that isn’t working for you, and make an effort to find someone that helps you achieve your goals, not keep you from them.

Marie Miguel has been a writing and research expert for nearly a decade, covering a variety of health- related topics. Currently, she is contributing to the expansion and growth of a free online mental health resource with BetterHelp.com. With an interest and dedication to addressing stigmas associated with mental health, she continues to specifically target subjects related to anxiety and depression.

This post may contain affiliate links.

Why More Young People Are Choosing To See A Psychologist

In Un-Business Stuff on May 26, 2018 at 8:29 am

Millennials and other younger generations have been all about therapy. Seeing a psychologist or a therapist has been second nature to the younger generation. Why is this? There are quite a few reasons for this, and in this post, we will discuss it.

Millennials Have More Mental Illnesses

It’s hard to tell whether mental illness is worsening or if we’re just getting better with diagnosing it. Perhaps it’s a bit of both. Whatever the case, the younger generation has quite a few mental health issues to deal with, and they cope by talking to someone who is willing to listen. A psychologist can help diagnose them and figure out treatment options. Sometimes, the answer is medicine. Other times, the answer is through therapy techniques.

Millennials Have Their Own Unique Problems

Every generation faces their own share of difficulties, but the younger generations has some unique problems of their own. From financial difficulties to figuring out how the psychology of their fellow peers works, there is no wonder why many are turning to therapy in order to solve them. There are even therapist whose job is to deal with the problems that many Millennials face.

Millennials Are More Likely to Talk About Their Feelings

There has been a societal expectation, particularly for males, to not talk about your emotions. No one wants to hear it, and you should deal with your own problems rather than thrust them on someone else. However, many problems do need the help of others in order to be solved, and a therapist is willing to listen, tell you what you can do to solve your problem, and be your shoulder to cry on.

Expressing your feelings is not a bad thing, and more people are realizing this.

Millennials Want to Improve

We are truly living in the generation of self-improvement. Thanks to the Internet, we see how other people are living, and we want to be like them. We want to get the dream job, go to our dream destination, and live the best life possible. While not every young person is doing it, many are seeking therapy in order to improve their quality of life. They can learn how to land that job, learn how to get in their dream relationship, and much more.

Talking to a Therapist or Psychologist is Easier Than Ever

In the past, it could be difficult to talk to someone if you needed help. You had to visit a building at a regular, consistent session, and not everyone had schedules that could fit with a normal therapist’s times. Some people also don’t have the transportation to make it in a consistent manner. However, thanks to online services such as BetterHelp, it’s easy. Almost every young person has a smartphone, and these allow for video chats, texts, or any other form of communication with their psychologist. This makes it easy to talk to someone when you’re having an episode, allowing them to help calm you down.

Not only that, but many of these sites have great payment plans, allowing the low-budget Millennials to choose a treatment plan that is flexible for their wallets.

These are just a few reasons why therapy is so prevalent nowadays. If you want to talk to a psychologist, there is no shame in doing so. They can help treat your problems and teach you how to be the best person you possible can in this world. So talk to someone today, and your well-being will be glad that you did. Don’t let your problems manifest until they consume you.

Marie Miguel has been a writing and research expert for nearly a decade, covering a variety of health- related topics. Currently, she is contributing to the expansion and growth of a free online mental health resource with BetterHelp.com. With an interest and dedication to addressing stigmas associated with mental health, she continues to specifically target subjects related to anxiety and depression.

This post may contain affiliate links.