Posts Tagged ‘Money’
May 23, 2015 | 
Author Avoiding Money Hassles while Traveling in Tibet in 2015
Lhasa, Tibet (PRWEB) April 21, 2015
While traveling in Tibet visitors will discover that it’s a unique place filled with cultural wonders and majestic high altitude scenery. However, with such a unique experience comes a unique way of doing business; using and accessing money in Tibet can be quite a bit different than what travelers have come to expect from other popular destinations. To help ensure everyone arrives well prepared Tibet Ctrip Travel Service-TCTS (http://www.tibetctrip.com) discusses what travelers need to know. TCTS is a Lhasa-based Tibet travel agency with more than 12 years experience serving western travelers.
In general, credit cards are not accepted anywhere. Travelers will need to be prepared to use cash for all purchases. Should a group find themselves in a pinch or experience trouble accessing their bank account, some major banks can process cash advances from major credit cards. Be sure to call credit card companies in advance to make sure this feature is available and activated.
Reliable ATM’s are conveniently located throughout Lhasa. Not all banks take all foreign cards so don’t panic if one particular bank rejects a transaction! Just try another. Many times travelers forget to alert their banks of foreign ATM withdrawals and end up having to make expensive phone calls to their home country.
The local currency is the Chinese Yuan (RMB). If coming from Mainland China its best to spend coins before the Tibet tour begins, as they aren’t always accepted. Those coming from Nepal will have no trouble finding currency exchange services. Banks tend to offer the best rates.
Running into trouble while using or accessing money while visiting a foreign country can be a nightmare. The most successful travelers do their homework before coming to Tibet and arrive prepared. The most important things to remember are that credit cards are not accepted and travelers need to call their banks before leaving home. Despite calling, travelers may still run into problems using their ATM card. Should this happen, most banks have an international collect number. With the 2015 Tibet travel season right around the corner now is the time to start planning a tour!
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Paul Grignon’s second presentation of “Money as Debt” tells in very simple and effective graphic terms what money is and how it is being created. It is an en…
Is Your Significant Other Bad with Money? Advice for How to Manage a Financially Negligent Spouse
Boston, MA (PRWEB) September 11, 2014
While marriage often means the communion of two salaries, it also means the compacting of two financial situations, including the bad. While managing individual finances can be challenging enough, combining finances can be significantly overwhelming and present a couple with new challenges and even discoveries about their better half.
In fact, a recent survey completed by American Consumer Credit Counseling found that, of all topics, money is most likely to prompt a spat in a relationship. An overwhelming 54 percent of survey respondents stated that financial issues are the leading cause of stress in their relationships, while only 5 percent of respondents indicated fidelity and trust were an issue and 9 percent cited in-laws as the biggest stress trigger.
One of the largest contributors to this stress is differing money management styles. For those consumers with significant others who have poor money management skills, there is a solution. Neither spouse needs to be a professional accountant, but both need to be accountable to the other.
“Many couples, especially newlyweds or those newly cohabitating, struggle with making financial decisions, the combining of bank accounts, or keeping finances separate” said Steven Trumble, President and CEO of ACCC. “For these reasons, it is important to go over what accounts you have and how much debt you carry, and be clear on how you expect money to be handled.”
If you sense an issue at hand with your spouse, open the dialog up immediately before it goes too far. Explain how making the wrong money decisions will impact the current financial situation as well as any future financial situations for both of you. Like it or not, once married, both debts and income often become shared financial responsibilities. To avoid disagreements and long term disasters, ACCC has created six tips for couples to stick to when handling finances in a relationship:
Be a team – Arguments can arise from one spouse spending what the other spouse considers to be too much money. Create a financial budget and plan together, do the bills together, and review your net worth together. If you do anything related to your finances, make sure your spouse is involved and has a say in the decision process.
Hold weekly budget review meetings – If one spouse is doing all of the finances, it’s very difficult for the other spouse to know the current financial state of the household. Even with a budget, a lack of communication can make it difficult to know how much is left in the “grocery category” or the “entertainment category.” To solve this problem, pick one night of the week to review your finances. Pick a time when you and your spouse can devote 15-30 minutes without interruption.
Establish an emergency fund – The most important thing you can do to keep your finances under control — and to avoid using credit cards and going into debt — is to establish an emergency fund. When planning your budget, allocate a portion for emergencies, savings and retirement. Nothing causes stress more than running out of money before all the bills are paid. Establish a $ 1000-$ 2000 emergency fund to cover those unexpected expenses. The key is that each spouse must agree to not touch these funds without the other’s agreement.
Evaluate your financial goals – After creating and reviewing your budget for a period of time and establishing your emergency fund, it’s important to discuss both of your financial goals such as starting a family, buying a new car, saing for a home or traveling. By discussing and defining your mutual goals with your partner, you will reiterate the importance of staying accountable.
Don’t keep money secrets – While secret trading or gambling may not be that common, a survey by KeyBank saw 36 percent of men and 40 percent of women confess that they had at one time or another lied to their spouse about the price of something they bought.
Review your progress – If your spouse has taken responsibility for a lack of control or misuse of funds, support them throughout their attempts to better manage money. Whether through weekly or monthly updates or progress reports, or just supporting their decisions to save, play a crucial role in facilitating their path to better handling their money.
ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:
For credit counseling, call 800-769-3571
For bankruptcy counseling. call 866-826-6924
For housing counseling, call 866-826-7180
Or visit us online at ConsumerCredit.com
About American Consumer Credit Counseling
American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. Each month, ACCC invites consumers to participate in a poll focused on personal finance issues. The results are conveyed in the form of infographics that act as tools to educate the community on everyday personal finance issues and problems. By learning more about financial management topics such as credit and debt management, consumers are empowered to make the best possible financial decisions to reach debt relief. As one of the nation’s leading providers of personal finance education and credit counseling services, ACCC’s certified credit advisors work with consumers to help determine the best possible debt solutions for them. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. To participate in this month’s poll, visit ConsumerCredit.com and for more financial management resources visit TalkingCentsBlog.com.
©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Related Debt Press Releases
Posted in Debt | 
Tags: Advice, Financially, Manage, Money, Negligent, Significant, Spouse | 
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The classic Schoolhouse Rock song “Tyrannosaurus Debt.” For more information, go to www.DisneyEducation.com.
National Debt Relief Discusses Budgeting Advice from Money Experts
Dallas, TX (PRWEB) May 13, 2014
National Debt Relief shared in an article published last May 11, 2014 pieces of advice about budgeting from experts. The article titled “Here’s Budgeting Advice From Four Top Money Experts” shares excerpts from 4 world-renowned money and budgeting experts in the industry. It aims to educate the public more about money management.
The article highlights key learnings from 4 different budgeting experts and explains their use in everyday consumer life. The material explains the practicality and use of each key piece of advice.
Suze Orman – Gaining popularity through a CNN TV program and from authoring the book “9 steps to Financial Freedom,” makes her a reputable voice in the industry of personal finance. The article shares her view on cutting back 10% in family spending. The article goes on to explain how it can benefit the savings account tremendously in a short span of time. And the cutback in spending is not so much that the family will question the move and the motive.
Dave Ramsey – The financial author TV personality, radio host and motivational speaker shares his wisdom when it comes to groceries every month. He mentioned that people tend to budget around their expenses totally forgetting about the groceries. The article further explains that it is best to over budget for groceries by looking at the past tally and adding about $ 50 on the expense. It is always better to over budget and save up rather than going over the budget.
Rick Adelman – This NBA player and coach who recently retired as the Minnesota Timberwolves head coach shares how important it is to look at the past to prepare for the future. It is a good idea to check what expenses were incurred in the past. The total of those would most likely be the amount again in the succeeding years. This helps consumers on a take off point when preparing a budget for the year.
Gail Vaz-Oxlade – This Canadian TV celebrity and “’Til Debt Do Us Part” host discussed the concept of magic jars. This finance author explains how making use of this practical financial practice can save up overspending for items in the budget. The article explains that magic jars are where money for food, clothing and other expense items are placed. When the time comes that the consumer is about to make the purchase, only the contents of the jar will be used. It keeps the purchase within budget and prevents overcharging.
The article also explains the importance of creating a monthly budget. It shares that no matter how much advice consumers get from experts, if budgeting is not practiced, it will be hard to understand.
To read the rest of the article, click on this link: http://www.nationaldebtrelief.com.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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Average American to Receive $ 2,800 in Tax Refunds, New GoBankingRates.com Guide Explains How Individuals Can Best Use Refund Money
EL SEGUNDO, CA (PRWEB) March 22, 2013
According to a March 2013 article in TIME, the two thirds of taxpayers who will receive a refund this year will get an average of $ 2,800. What do they plan to do with this sizable chunk of change? Unfortunately, 30 percent plan to use their tax return to pay for everyday expenses, finds a survey from National Retail Federation. This number is up from 29% in 2012.
Most taxpayers, however, will be using their tax return money to get ahead in their finances, finds GoBankingRates. Of those receiving refunds, 37% plan to use their money to pay down debt, and 44% will be stashing extra funds in their savings account. GoBankingRates investigates the pros and cons of each option, and provides taxpayers with a guide to deciding how tax refunds should be used, depending on their financial situation.
GoBankingRates expert contributor Elle Martinez says, “How can you use your tax refund to build your finances? Paying off debt can be like lifting a huge weight off of your shoulders.” However, she advises, “I don’t think you should go into full debt-elimination mode until you have some sort of financial cushion for emergencies.”
For help on deciding how to spend tax refund money, click here.
About GoBankingRates
GoBankingRates.com is a national website dedicated to connecting readers with the best interest rates on financial services nationwide, as well as informative personal finance content, news and tools. GoBankingRates collects interest rate information from more than 4,000 U.S. banks and credit unions, making it the only online rates aggregator with the ability to provide the most comprehensive and authentic local interest rate information.
For questions about this report or to schedule an interview with a GoBankingRates editor, please use the contact information below.
Contact:
Jaime Catmull, Director of Public Relations
http://www.GoBankingRates.com
JaimeC(@)GoBankingRates(dot)com
310.297.9233 x261
###
Sources:
TIME, Why We’re So Irrational When It Comes to Tax Refunds, March 18, 2013.
National Retail Federation, “More Americans Serious About Saving Tax Returns This Year, According to NRF Survey,” February 22, 2012.
National Retail Federation, “Seven in 10 Americans Adjusting Spending Plans to Cope With Recent Payroll Tax Changes, According to NRF,” February 21, 2013.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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Posted in Debt | Tags: $2800, American, Average, Best, Explains, GoBankingRates.com, Guide, Individuals, Money, receive, Refund, Refunds | 14 Comments »
Celebrity Dentist and Best Seller Author Dr. Emily Letran, has just been Nationally Featured in CBS Money Watch, The LA Daily News, and The San Francisco Chronicle
Monrovia, CA (PRWEB) December 20, 2012
Celebrity Dentist Emily Letran, is a sought after family and cosmetic dentists in Southern California, who has just been nationally featured in CBS Money Watch, The Los Angeles Daily News, and The San Francisco Chronicle. “Dr. Emily.” as her patients affectionately refer to her, is also a best selling co-author of the book titled “Out Front: Business Building Strategies from Frontline Entrepreneurs.”
Out Front: Business Building Strategies from Frontline Entrepreneurs feature the country’s foremost business experts and thought leaders revealing their top secret break-through action plans. In it, readers will learn how to market their business in new innovative ways that will deliver revolutionary results. Most importantly, readers will find out how to put themselves “Out Front” – and make sure they stay there. As a dedicated patient advocate and champion for preserving the “human touch” in the dental healthcare profession, Celebrity Dentist Emily Letran was asked to contribute a touching story called “Priceless Smiles.” It shows how discovering a deeper purpose for your business can unite your team and create lifetime fans.
On the day of release, Out Front, reached best-seller status in five Amazon.com categories – The book reached best-seller status in the Direct Marketing, Environmental Economics, Marketing, Entrepreneurship, and Small Business & Entrepreneurship categories.
Dr. Emily Letran is a family and cosmetic dentist who owns three multi-specialty group practices in Southern California. She received her Bachelor of Science in Biology from UC Riverside (magna cum laude, Phi Beta Kappa). She is a graduate of UCLA School of Dentistry (Dean’s Apollonian Scholarship) and received her Master of Science in Oral Biology from UCLA at the same time. After graduation she participated in the General Practice Residency at Loma Linda VA Medical Center in Loma Linda, California. and a mini-residency at Rancho Los Amigos Medical Center in Downey, California., where she attained additional training in treating geriatric and medically compromised patients.
As a dedicated contributor to her community, Dr. Letran annually provides over $ 27,000 in free dental services to those in need through her Free Day of Dentistry events, and most recently announced her support of The HOME Foundation’s 2013 Dream Home Giveaway.
About Emily Letran:
As a mother of three, Dr. Letran creatively balances work, family life, after-school life and her personal life as a growing entrepreneur. She continuously takes courses in clinical dentistry, practice management and marketing, striving to improve her skills to better serve patients. Her favorite activities include reading, writing, and “hanging out” with her three children – whether playing tennis, watching Netflix or window-shopping at the mall.
For Dentist Emily Letran, sees it an honor and privilege to be part of her patients’ lives. As she watches kids growing up, grandparents getting old, the passing of spouses, the courage of the people left behind, individuals going through tough times like job loss or marital separation, she is reminded that the most important thing in life are the relationships we build with other human beings. Dr. Emily is proud to be a part of these relationships with her dental patients.
Dentist Emily Letran’s has the unique ability to connected with her patients and calm the occasional extra nervous or anxious visitor. “We realize that even though dental care has come a long way in terms of patient comfort, there are still those with concerns and fears. Dental care should not be an unpleasant experience so we provide a full array of options for those patients. We offer several techniques to help you relax so please ask us about the different methods we offer,” says Dr. Emily.
Dr. Emily Letran’s dental practice has primarily grown from patient referrals. “Because our patients feel genuinely cared for, they often refer their friends and loved ones. We are proud of the confidence our patients have placed in us, and we don’t take that responsibility lightly,” says Dr. Emily. Those who are looking for a new dentist can be confident in the level of care Dr. Emily and her staff will provide. To see Dr. Emily’s happy and satisfied patient testimonial videos, visit here website http://www.CosmeticDentistMonrovia.com/about-our-office/patient-testimonials/ , or one of her three convenient locations:
Foothill Dental Center
837 W Foothill Blvd
Monrovia CA 91016
626-305-5722
http://www.CosmeticDentistMonrovia.com
Mountain View Dental Group
4639 North Peck Road
El Monte CA 91732
626-444-9281
http://www.MyElMonteDentist.com
Universal Family Dental Practice
10012 Garvey Avenue
El Monte, CA 91733
626-433-1300
http://www.MyElMonteDentist.com
Dr. Emily Letran
Letran (at) EmilyLetranDDS (dot) com
626.305.5722
“We are Proud to Support The HOME Foundation:
About The HOME Foundation:
The Helping Others Means Everything Foundation, or The HOME Foundation, is a not-for-profit organization dedicated to helping our Family of Charities. Frankie Verdugo, President of The HOME Foundation, wants to help as many worthy charities as possible as they struggle during these tough economic times. Frankie Verdugo helps raise funds through luxury dream home raffles, home giveaways, prizes, and high profile celebrity events in Hollywood… “Our mission is to help charities reach their fundraising goals and to bring awareness to their praiseworthy causes.” Please visit our 2013 Dream Home Raffle Giveaway on http://www.facebook.com/HOMEFoundationRaffle.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.