The Finance Blogger


How To Fix My Bad Credit Score Fast

June 21st, 2016 ernie Posted in Credit Repair | No Comments »

How To Fix My Bad Credit Score FastMaintaining good credit is a continuous activity that must be paid attention to each and every day. There are the big things such as making sure that you never miss a payment on anything. But there are a lot of other activities that each consumer needs to think about if they want to maintain their credit score. If your credit score is already bad, then there are some things that you can do to fix it quickly. Depending on your situation. If you can fix your credit score fast then you will be able to borrow money easier and at a much lower cost for both interest rates and fees.

How To Fix My Bad Credit Score Fast

The following is a list of actions you can take to improve your credit score. Apply those that fit your situation:

  • Pay all bills, rent, utilities, loans, and credit card payments on time all of the time.
  • Overdue accounts should be addressed immediately, talk to the lender to find a solution that does not impact your credit score.
  • Keep your monthly debt payments to less than 35% of your monthly gross income.
  • Reduce the number of credit cards you have to no more than 3 and no more than a total of $15,000 in total debt
  • Consolidate your loans and debt into one low-interest payment
  • Never default on a loan of any kind, always repay the loan.

These are the big ones. Pay attention to these items all of the time and you will be well on the way to fixing your credit score.

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Online Lending A Scam Or the Real Deal

June 14th, 2016 ernie Posted in Online Mortgages | No Comments »

Online Lending A Scam Or the Real DealTake special care when applying for a loan online. What most people want to know is online lending a scam or the real deal? The answer is that some sites are real and will even be competitive. But many sites are not and you may not be dealing with who you think you are! Deal with the main banks and lenders in your area. Check the URL of the site you are on. If it does not look legit it probably is not. Some sites are just phishing sites which are to say they are trying to get your personal information to use it for their own gain. They might take out a loan on your behalf or sell your information to someone else to be used. Either way, it will hurt you financially in the long run.

Online Lending A Scam Or the Real Deal

If you already deal with a regular bank, call them and apply in person. Or apply from an online site you use on a regular basis to do your banking.

If you must use another site do some research first. lol for reviews online. Check out what people are saying about this lender.

If you cannot find out information on them or it looks suspicious, moved on to another lender. Also, review the terms and conditions. Rates and fees might be really high and cost you more money than you are prepared to spend. Be careful with online loans!

 

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Emergency Loans for $1000, $2000, $3000, $4000

June 7th, 2016 ernie Posted in Lines of Credit | No Comments »

Emergency Loans for $1000, $2000, $3000, $4000We all need emergency loans from time to time. The amounts vary but usually it is a relatively small amount. Sometimes even just a $1000 will get us over the problem we have. It is almost always short term cash flow problems. We need to pay the rent, buy groceries, or pay utilities to avoid them being cut off. Whatever the reason, if we just had some money set aside for emergencies like this an emergency loan could be avoided.

Emergency Loans for $1000, $2000, $3000, $4000

Bottom line if you budget and have money set aside for emergencies then emergency loans would not be needed. If you are reading this you probably need a loan.

Before you accept the money and sign for the loan read the fine print. Make sure you understand how much it will cost you. Can you pay the loan back in time? If not what will the penalty be and what will the cost be?

An emergency loan can rescue you from difficult problems. At the same time you do not want to create more problems for yourself or your family.

Lenders will be happy to lend money just remember they are making lots of money on these short term loans.

For more information about emergency loans and lines of credit, click here.

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40000 Auto Loan With Bad Credit

May 30th, 2016 ernie Posted in Bad Credit | No Comments »

40000 Auto Loan With Bad CreditAre you looking for a $ 40000 auto loan with bad credit ratings? If you are there is still hope for people with bad credit even if you cannot obtain other loans. There are two things a lender will look for. The first is that they want you to be able to put a small down payment on the auto. The larger the better since this will show that you are serious. As a result, it will show you have some skin in the game. The second thing they look for and this is relatively easy is that they want to make sure that the auto will cover the loan if it needs to be repossessed and sold to pay off the loan.

40000 Auto Loan With Bad Credit

Consumers need to realize that not only must the loan be recovered, they also want to recover their recovery costs and legal fees. They do not want to lose money at all hence the down payment. Don’t expect to get a lot of money back if your auto is repossessed. You could even still owe money.

Always meet your monthly payments and you do not need to worry. Once you pay off the loan, the next one will be easier since your credit rating will actually have improved as long as you have not had other issues with meeting your financial commitments.

For more posts about bad credit situations, click here.

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40000 Car Loan With Bad Credit

May 21st, 2016 ernie Posted in Bad Credit | No Comments »

40000 Car Loan With Bad CreditA 40000 car loan with bad credit can actually be easy to obtain if you have some money to use as a down payment. Aside from credit ratings, many lenders want to know that you have some skin in the game. That means if you are buying a $45,000 car, you can put $5000 of your own money down as a down payment. They may lend you the $40000 car loan with bad credit. But only if they are also convinced that you can and will meet the monthly payments.  This last point is also critical. Moreover, if you have a bad record for meeting monthly commitments or you walk away from loans, you probably will not be approved for a car loan.

40000 Car Loan With Bad Credit

Some people have a lot of small loans. The monthly payments add up to more than 35% of their monthly incomes. In a situation like this, it will be increasingly difficult for you to meet those monthly payments. Especially if you have any kind of emergency financial situation to deal with.

The lender will also want to use the value of the vehicle as security for the car loan. If for example, you cannot meet the monthly payments, they will reclaim the car. Then sell it to get their money back. You get whatever is left however after fees and penalties, there is not usually anything left. So if you do get approved for a car loan with bad credit make sure you meet all of the monthly payments. Focus on repair your credit rating.

For more posts about what to do about bad credit, click here.

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120 Day Loans For Bad Credit

May 14th, 2016 ernie Posted in Bad Credit | No Comments »

120 Day Loans For Bad Credit120 Day Loans For Bad Credit are difficult to find, however, they are available. Depending on your credit rating they may come with expensive fees and high-interest rates. But if the need is great enough then it really does not matter how much you need to pay. You may be trying to avoid losing your home, dealing with a health issue, or some other emergency. The point is that it must be a true emergency. Something that makes it worth paying these high-interest rates. Otherwise, you should really just tough it out and find another solution.

120 Day Loans For Bad Credit

A 120-day loan for bad credit lender is in the business to make money. They are also aware that they are dealing with people who are considered high risk. They do not always get paid for a variety of reasons. But they charge the high rates to pay for the losses and make a lot of money.

If you can find another solution or just not borrow the money in the first place, you probably should take that approach. The money you save can be used to repay your other debts or to pay for the emergency you are dealing with. Anytime you do not spend your money is saving money for the future.

Start off by setting some money aside as an emergency day fund and only use that money for true emergencies. Put it somewhere it takes a day or two to get it so that you have time to think about it before you spend it.

An emergency fund is far superior to looking for 120 Day Loans For Bad Credit customers and paying the associated costs.

For more posts about what to do about bad credit situations, click here.

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Debt Consolidation Relief – $10,000 – $80,000

May 7th, 2016 ernie Posted in Debt Consolidation | No Comments »

Debt Consolidation Relief - $10,000 - $80,000Consumers looking for debt consolidation relief in the $10,000 to $80,000 are in luck since these limits are usually within the range of what many people can afford and what lenders are willing to consider. This assumes of course that your credit rating is at decent levels. That it is not in the tank due to poor payment commitments and overdue loans. Some lenders will demand that they pay the debts off using the funds that they are advancing to you. They do this to ensure that the money is actually used for what it was intended for. They do not want the money spent on other things and you still owe the original debt. There should be nothing wrong with this approach. Since your asking for the loan in the first place for debt consolidation.

Debt Consolidation Relief – $10,000 – $80,000

Many consumers are carrying thousands of dollars in credit card debt for example. They are paying 19% interest on the overdue balance. There is a good chance you will save a great deal of money if you ask for and get debt consolidation relief. A debt consolidation loan at a reasonable interest rate can save you thousands of dollars in interest.

The fastest way to repay that debt is then to take the interest you saved and apply it to the principle that you owe. You will be surprised at how fast you can pay off the loan when you apply the money you are saving to the loan in addition to the regular monthly payment. Try it, you will be amazed.

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Disadvantage of Banks Loans Compared To Using Payday Loans

April 30th, 2016 ernie Posted in Debt Management | No Comments »

Disadvantage of Banks Loans Compared To Using Payday LoansWhat is the Disadvantage of Banks Loans Compared To Using Payday Loans? When you are having a hard time finding a bank to lend money to you, sometimes a payday loan looks great when they will provide the money to you quickly. But consumers should know what the disadvantage of bank loans compared to using payday loans are. There several disadvantages and they can also be costly to the average consumer. Especially if you have bad credit or cannot get a loan anywhere else. We thought we would list all of the disadvantages of payday loans compared to bank loans and let the reader decide which one they want to use in their own personal financial situation.

The disadvantage of Banks Loans Compared To Using Payday Loans

Payday loans are:

  • Always more expensive on several fronts for the average person
  • The interest rate will be much higher than a normal loan you would get from a bank
  • The processing fees are also much higher
  • The late penalty fees will also be exorbitantly high
  • They are short term loans usually due on your next paycheck
  • They are often very small loans to control the risk
  • It can be difficult to get out of the cycle of using payday loans
  • Payments are high compared to the amount borrowed

Bank Loans:

  • Less expensive than payday loans
  • Lower interest rates even for poor credit borrowers
  • Processing fees are lower
  • Late penalty fees can be negotiated in advance
  • Longer-term loans mean lower monthly payments
  • They cost much less than payday loans
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Credit Repair Loan for $1000 Debt in San Diego

April 21st, 2016 ernie Posted in Credit Repair | No Comments »

Credit Repair Loan 1000 Debt San DiegoLots of people allow their credit ratings to drop to low levels due to failure to meet monthly payments on utility bills, credit card payments, car loans and even the mortgage on their homes. Some readers have asked if a credit repair loan 1000 debt San Diego will help them repair their credit. Actually if this small amount would help them, they really just need a loan to get them through the next week to buy groceries, pay a few bills etc until they get paid.

Credit Repair Loan 1000 Debt San Diego

The only way to repair credit is to borrow money and then meet the obligations of that loan every month. never miss a payment and pay it of fin full. If you have existing debt, you must repay that debt in the time frame specified by the loan agreement.

If you need to borrow money to help do this, to consolidate debt then do it, but only if the interest rate and terms are a good deal and better than what you are currently paying. A high interest loan with lots of fees is just going to make your life worse and probably more in debt. A loan company that helps people is the only way to proceed. Take it from us a credit repair loan $1000 debt San Diego is probably not going to do it for you.

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Bad Credit Mortgages for Home Purchase $50,000 – $200,000

April 14th, 2016 ernie Posted in Bad Credit Home Loans | No Comments »

Bad Credit Mortgages for Home PurchaseBad credit mortgages for home purchase are difficult to obtain when your credit rating is below 500 on most credit rating agencies. Do you have a rather large down payment that is at least 20% of the value of the home? Many lenders will not even consider lending money to you. What happens if you miss a few monthly payments on loans or credit cards? If there are reports from missed rent payments or utility payments you may have more problems. You may find that your credit rating tanks. Relatively small mortgages in the range of $50,000 to $200,000 are just as difficult to obtain with bad credit ratings. Even people who are looking for larger mortgages on a home will find that unless they have a huge down payment, they just will not be approved for a mortgage.

Bad Credit Mortgages for Home Purchase

A down payment of more than 20%, on a home that is valued at below market average values, is one way to be approved for a bad credit mortgage. It means that there is lots of equity in the home. The lender knows that if you default on the mortgage, they will be able to sell the home and get their money back with relatively low risk.

Bad credit mortgages for home purchases may also attract higher interest rate mortgages. They reflect the risk that the lender feels that they are taking when they lend money to you. They may also assign mortgage insurance fees and other fees to the cost of the mortgage approval process. Lenders really do not want to be stuck with any costs at all.

For more bad credit home loan details, click here.

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How To Gamble Responsibly and Not Lose Your Savings

April 7th, 2016 ernie Posted in Financial mistakes | No Comments »

How To Gamble Responsibly and Not Lose Your SavingsWe have all heard the stories. Someone could not stop gambling, lost their savings, the car, their house and then their families! It is a bad situation for anyone caught up in this situation. You cannot depend on the casinos to help you. If anything they will encourage you more and more to gamble.  You need to figure out how to gamble responsibly and not lose your savings yourself. They provide comps of all kinds from free meals, free drinks, free hotel rooms and even free air tickets to bring you to the city where you can gamble all of your money. There are ways to control your gambling, but it does take a lot of control. If you cannot control yourself in the casino, you should really stay away and get yourself barred from going to the casinos. There some things you can do control your gambling.

How To Gamble Responsibly and Not Lose Your Savings

The following list is just that a list. There might be one item on the list that will help you. Find what works for you and stick with it. Again if you cannot control yourself at the casino, then do not go. Stay away from the casino Here is the list:

  • Set a budget and stick to it
  • Leave your bank card at home
  • Set your daily withdrawal limit to less than $500
  • Go to the casino once a week or even longer between visits
  • Treat it as entertainment
  • Do not drink at the casino, your will power will be stronger
  • Ask a friend to come with you and listen to them
  • Use slot cards and monitor your play, stop if it is getting out of hand
  • Ask for help from a friend
  • Have the casino block you from entering

If you know of additional ways to control your gambling, leave us a comment. We will publish the good ones. We want to help our readers.

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Debt Consolidation Loan for 5K 10K 20K For Bills

March 30th, 2016 ernie Posted in Debt Consolidation | No Comments »

Debt Consolidation Loan for 5K 10K 20K For BillsDebt Consolidation Loan for 5K 10K 20K For Bills. Whether you need a debt consolidation loan for 5k 10k or 20 k for bills, it is your credit rating that is going to determine if you can get a loan and how much you will pay for that loan. Consumers with a good credit rating over 600 will have no problems getting a loan for those amounts at competitive interest rates. Below 600 and above 500, your credit rating is going to start giving you problems. There will be fewer lenders to loan money to you. They are just not willing to take the risk of lending you money. If they do lend you money, they will demand a higher interest rate. They may also charge fees that are quite hefty.

Debt Consolidation Loan for 5K 10K 20K For Bills

Once you have a credit rating below 500 it becomes very difficult to find a lender willing to lend money, let alone negotiate the rate and terms. You may also be restricted on the amount that lenders are willing to lend, with many leaning towards lower amounts.

Consumers who have various bills that they want to consolidate would be better off to focus on paying those bills down as fast as possible, curtailing their spending and working towards improving their credit ratings. Loans for debt consolidation are also more difficult to obtain if you do not have any equity to provide.

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College Grads – Financial Advice

March 21st, 2016 ernie Posted in Student Debt | No Comments »

College Grads Financial AdviceWe hear about how bad student debt is, how it is out of control and how many students will never be able to repay their student loans. Well I am sorry, I do not have a lot of sympathy for many of them.  They really should have a college grads financial advice course at university! Questions I have is whether they had a budget, did they work at a part time job, did they scrimp while going to college and how hard did they actually work at managing their money to minimize those student loans? Based on my own experience at college, I saw so many students out partying, going on expensive (for a student) vacation etc. While it is hard to not do these things, it can mean the difference between a large student loan and a smaller one.

College Grads Financial Advice

There are other areas that students need to pay attention to. We listed a few of them here. Working on these can make the difference between working for years to repay your student loans to paying them off in a short period of time.

Value of a College Degree – how much will you earn when you graduate assuming you get a job in your field? This amount should guide you regarding how much to spend on your education. A low paying job will never support a large student loan let alone all of your other regular expenses.

Watch Cash Flow – all your life, but especially while going to school. It is so tempting to try to keep up with other well heeled students. But if you cannot afford it then don’t spend it.

Can you Afford That – every time you go to buy something always ask yourself if you can afford it and what will it mean in terms of cash available for the next several weeks as well as on your overall finances.

Understand how Interest is Calculated – interest rates are incredibly important, especially when they are high over a long time. Many students are surprised to learn that they pay more in interest costs than principle repayment each month.  Review this in detail just as if you are cramming for an exam. In fact take a finance course to help you understand how money really works.

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Debt Consolidation Relief Plans in the United States

March 14th, 2016 ernie Posted in Debt Consolidation | No Comments »

Debt Consolidation Relief Plans in the United StatesThe first thing that consumers should be aware of is that debt consolidation relief plans in the United States are never free. There is always a cost of some kind in terms of fees, interest charges and impact on your credit rating. Yes, there are companies that will negotiate a lower amount for you to repay, but this comes at a cost. There is a dollar cost to this in addition your credit rating will take a long-term hit. The best approach by far is to consolidate your debt and then repay it as quickly as you can. If you do need debt relief, hiring a company to negotiate on your behalf with your lenders can reduce the amount you owe. But it is relief, not elimination and that is another point that many consumers are surprised about.

Debt Consolidation Relief Plans

Debt consolidation relief plans in the United States also include various levels of bankruptcy. Including protection from your creditors while you get your act together and develop a plan on how to repay your debt.

True debt relief will hold your creditors at bay while you find a job, get reestablished etc. But you will still need to repay your debt. This is by far the best solution compared to bankruptcy. It takes many years to remove this stain from your credit rating. It also means no loans or mortgages until you have successfully reestablished your credit.

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How Can I Consolidate My Debt – Car Loan, Credit Cards, and Court Fines

March 7th, 2016 ernie Posted in Debt Consolidation | No Comments »

How Can I Consolidate My DebtWe all have debt like this, a car loan, credit card debt, a mortgage or rental payments, and maybe even court fines. We wonder How Can I Consolidate My Debt when I have all this money that I owe. How will I ever get ahead of the monthly payments? Or in some cases how will I even meet the monthly payments? This is a serious problem for many people. Especially if they are paying credit card interest rates on any debt associated with the debt on the credit cards.

How Can I Consolidate My Debt

The first step is to take stock of all of the debt that you have, the total amount owed, the monthly payments, and especially the interest rate that is being charged on each. If you can reduce any of the loans or debt to zero, do it now since that will immediately improve your cash flow. Many experts suggest that you should repay the highest interest debt first and in most cases, you should. However, if cash flow is an issue, this is the next best thing to do.

Once you have this information, you will know how much you need to borrow to repay everything. Next, meet with a loan officer to determine if you are eligible for a consolidation loan. They will address the basic question of whether you are eligible or not. They can also tell you how much money in interest charges you will pay and how much you will save each month. If your interest rate is lower, your cash flow is going to improve making more money each month available to repay your loans.

If your credit is bad, you may have to search further to find someone who will help you consolidate your debt. Before you proceed always compare your total interest costs to your existing payments before you make your final decision.

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Best Debt Consolidation for Consumers

March 1st, 2016 ernie Posted in Debt Consolidation | No Comments »

Best Debt Consolidation for ConsumersThe best debt consolidation for consumers is to never get into debt in the first place, but since this is not realistic we will explore other means. Our approach is to list a few debt consolidation techniques and depending on your own situation you may find that one or more of these will work for you. The reason that we are taking this approach is that consumers have a variety of incomes, debt levels, debt payments, interest levels on debt and of course their credit ratings will vary as well. If your credit rating is not good for example, finding a lender to lend debt consolidation money to you will be almost impossible and if they do the interest rate and fees will be high.

Best Debt Consolidation for Consumers – Solutions

The following are steps consumers can take to get their debt under control. Use these singly or in combinations as appropriate for your situation:

  • Always meet your monthly payment requirements to maintain credit rating
  • Use extra money to repay high interest debt first
  • Take out a low interest loan to pay off high interest debt
  • Do away with credit cards
  • Avoid new debt until existing debt is fully paid
  • Ask entire family to pitch in to decrease monthly costs and pay off debt
  • Use equity in your home to secure a low interest mortgage and pay down debt
  • Never make a purchase on a credit card if you cannot pay in full at the end of the month
  • Reduce the number of credit cards you have to no more than two
  • Talk to your creditors and explain how you will meet your debt load
  • Never miss a payment
  • Never declare bankruptcy
  • Take an extra job
  • Take a serious look at your monthly expenses and make reductions
  • Develop a budget and balance your expenses to your income

There are potentially lots more. But if you are going to take debt consolidation seriously, these items above are at the top of the list. Most people are looking for a quick fix answer. Unfortunately there are none, especially if you want to keep / improve your credit rating.

 

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Loan Consolidation vs. Debt Relief Program – Pros and Cons

February 21st, 2016 ernie Posted in Debt Consolidation | 3 Comments »

Loan Consolidation vs. Debt Relief Program - Pros and ConsIf you have several loans, perhaps a mortgage or even credit card debt, you could find relief through loan consolidation or even a debt relief program. Before you jump on one of these solutions consider Loan Consolidation vs. Debt Relief Program. Evaluate the Pros and Cons to select the best solution for your situation and needs. They are not the same and they have different costs as well as impacts on your credit rating.

Loan Consolidation vs. Debt Relief Program  – Pros and Cons

Loan consolidation means that you take all of your current debt, loans, credit card debt and mortgage and combine it all in one low interest loan. check the math and the results to make sure that your monthly payment is lower and that the total amount of interest you will be paying is also lower. the objective is to end up with a more reasonable monthly payment, lower interest costs and the ability to repay your total debt more quickly.

Debt relief programs involve renegotiating your total debt as well as potentially consolidating your debt. Some debt relief programs involve pressuring the lender to lower the amount owed, which can also impact your credit rating. The Creditor company may agree to a lower amount, but they will also report your inability to repay the total debt to the credit rating agencies.

While you might owe less money and you may have a lower monthly payment with lower interest rates / costs, your ability to borrow money in the future will definitely suffer.

In addition, these same companies often charge a hefty fee to arrange the debt relief program. Once you do all of the calculations it might not be worth your while to pursue this option. Instead, paying off the original debt and negotiating a debt consolidation loan could be the right answer.

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Credit Card Consolidation vs. Debt Relief Program – Pros and Cons

February 7th, 2016 ernie Posted in Debt Consolidation | No Comments »

Credit Card Consolidation vs. Debt Relief Program - Pros and ConsCredit card consolidation vs. debt relief program – pros and cons is a large subject that troubles many consumers who are dealing with debt from credit cards and wondering if there is any way out of this financial nightmare. Consolidation of your credit card debt is definitely a good thing to do, especially if you can negotiate a low interest loan. A loan like that will lower your monthly payment, it will lower the total amount of interest you pay each month and you will be able to repay your debt much more quickly. almost anyone can meet with a lender and negotiate a loan and negotiate a better deal.

Credit Card Consolidation vs. Debt Relief Program  – Pros and Cons

Debt relief programs on the other hand entail reducing the total amount of debt that you currently owe, lowering the payments, interest rates etc. Sounds good right. You got something for free and did not have to pay for all of it. However there can be a down side to a debt relief program.

First of all a debt relief program involves negotiating a lower balance owed with your creditors. Some companies will strong arm these companies. While successful in lowering the total debt, they can do irreparable harm to your credibility, to your credit rating. They often charge a hefty fee for their services. At the end of the day, you owe less money, but your credit rating drops and you have to pay them. Is this a good deal.

For some it might be a good deal, but you have to crunch the numbers. Also assess if it really matters if your credit rating tanks. As long as you are not applying for a loan, a car loan or a mortgage in the next 5 to 10 years you probably will be ok. Think twice about going into debt and also about using a debt relief program.

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Retirement Could be Bad for your Health

January 21st, 2016 ernie Posted in Retirement | No Comments »

Retirement Could be Bad for your HealthThere are lots of situations where retirement could be bad for your health. As the picture on the left shows, this women is very unhappy with retirement and that could be bad for her health. It is hard to tell why she is so unhappy, however there are lots of reasons. Perhaps there is not enough money to do the things she always wanted to do. Perhaps she misses her friends at work. Perhaps she is so bored she is beside herself. There are lots of possible reasons, but the bottom line is that all of this negative environment will over the long term be bad for her health. She could become ill and not enjoy her health at all.

Retirement Could be Bad for your Health

She misses the social interaction with her colleagues and does not have anything to replace it. She is not willing to volunteer and meet new people. The list goes on. If she does not do something, depression could set in, she could gain weight and fall into a trap that only has a down hill path. This is definitely a situation where retirement could be bad for your health.

What are the solutions to this problem and how can you avoid the potential health problems. The easiest answer may be to go back to work especially if you miss the social aspect. You could go to another job, volunteer where there is a strong social component. If it is a money issue, then the work will bring in extra income that you need.

Take a look at what is making your unhappy. Identify the core things that are causing you distress. Look for solutions that could help you deal with these issues and improve your overall over situation. It is important that you discuss these concerns with a spouse or a close friend and ask them to encourage and support you in your struggles to improve your overall well being and health.

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Retirement Could be Good for your Health

January 7th, 2016 ernie Posted in Retirement | No Comments »

Retirement Could be Good for your HealthMany people feel that retirement could be good for your health. After all you should get more sleep, you do not have the stress associated with work, you have less expenses and you now have the time to take care of your self. For example, eating 3 meals a day, time for exercise, more social time with friends and relaxation with all of your hobbies. Many people find the benefits in these areas actually improve their over all health. They take the time to look after themselves and this makes a huge difference.

Retirement Could be Good for your Health

By far the biggest advantage is the opportunity to do some of the things that you have always wanted to do, but never had the time to do them. Helping out the family, looking after the grand kids, volunteering, even taking another job in an area that you have always been interested in. One friend of ours who was a sales person for most of his life, wanted to drive big vehicles. Trucks, buses or even construction equipment. He never had the chance until he retired.

When he retired he took his bus drivers license exam and became a bus driver. He especially liked the articulating buses. It was his dream and he was happy to have his dream fulfilled.

Bus driving might not be for everyone. Others take up golf. All of the fresh air, the new friendships and most of all the exercise.  This is definitely a scenario where retirement could be good for your health. Figure out what works for you and do what makes you happy in retirement.

Our next post will discuss how Retirement Could be Bad for your Health. Stay tuned.

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