Author: Daniel Stewart

Financial Stress Hurts, Literally

Millions of individuals, for one reason or another, suffer financial stress, it affects seven out of ten people in the world and the numbers appear to be rising. It makes little or no difference why an individual finds that he or she is in financial trouble. What is important is that people who are faced with financial stress are aware of the many other problems they might be facing. Hopefully bei...

7 Natural Remedies for Anxiety and Stress

Stress and anxiety can be described as an unstable state of emotion that elicits psycho-physiological responses. The physiological and psychological concomitants of stress include irregular respiration rate, fatigue, arrhythmia, tension and apprehension. Although all people experience anxiety at one time or the other; in extreme cases, these conditions can wreck havoc to one’s health and wellbeing...

14 Ways To Prevent Stress From Dragging You Down

We all have a friend that we are jealous of who never seems to let anything get them down or get in their way. When financial pressure or disaster strikes, we are often simply unprepared or unable to deal emotionally with the situation. We have people in our lives who rely on us for support, which magnifies the problem. The truth is that we can learn the coping strategies that our mentally strong ...

Do You Pass the Financial Stress Test?

Every year the Federal Reserve conducts financial stress tests on the nation’s major banks. The test determines how well a bank would stand up to major setbacks, such as a significant drop in the unemployment rate, a stock market crash or a collapse in oil prices. At the conclusion of the test, the Fed determines whether a bank has failed or passed. Sometimes a bank passes, but it has to fix issue...

Building Credit on a College Budget

Building a solid credit score can be difficult—especially so, for a full-time college student.  Of course, it’s nearly impossible, without steady income. If you wouldn’t be able to pay off credit card balances–or any other type of loan—what follows may be of little value to you. Our best advice is to turn them down. College students are prone to taking on high levels of debt. They juggle stu...

How to Get Out of Credit Card Debt

If you find yourself in the position of having a high credit card balance and are struggling to make the minimum payment, it can seem like you are fighting a losing battle. In this position, it may be very tempting to declare bankruptcy. While declaring bankruptcy can lead to relief, it can also be very unwelcome and impact your ability to apply for new types of credit for years to come. Thankfull...

Mistakes People Make When Using a Credit Card

A credit card can be a great asset, both in terms of a pinch and building up your credit score. However, there are mistakes that can spell failure and can cost you much more than losing money. These mistakes may not be immediately apparent and they can be made quite easily. Unfortunately, many people make these mistakes each year. These mistakes can easily be avoided by adhering to the advice belo...

How to Get Over Being Fired

It can be extremely devastating to being fired from a job. Not only will you lose income, but you could also lose benefits that can make things even worse. If you find yourself in that unfortunate position, you really need to understand that it is not the end of the world, even if it does seem like that. You really should learn how to turn this around, or you may find yourself in an even worse pos...

Renting Your First Apartment

Every year, thousands of people choose to rent their first apartment and it can be a very daunting process for the uninitiated. Choosing the wrong apartment can be disastrous, as it can cost you both in terms of money and living in a very undesirable location. The last thing that anyone should want is to be stuck in a place that they hate, especially when they should be in a place that they love. ...

A Beginners Guide to Understanding Credit Cards

For those who are just beginning to understand credit cards, there can be a lot of information that you may not be familiar with. Understanding the ins and outs of credit cards and how they work early can save you a lot of heartache later. There are a lot of horror stories regarding people who signed up for a credit card, only to have it come back to bite them. With this guide, you will be much mo...

Best Places to Find Affordable Student Loans

Paying for a college education can definitely seem daunting and with the rising cost of tuition and textbooks, it can be almost impossible. For many students, they have no choice but to turn to student loans. However, it can be equally daunting to find the best rates and terms for student loans. Choosing the wrong loan may not just leave a student with higher interest rates, but less than desirabl...

Common Mistakes When Quitting Your Job

Leaving your job is not a decision that is to be made on a whim. It requires a lot of forethought and oftentimes, it is not so simple as it sounds. There are many times when an employee should leave a job, whether it is because of relocation or transferring to another company. If you find yourself in the position of wanting to leave a job, you should really familiarize yourself with the mistakes t...

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