Tony Robbins UPW event

Should I go to Tony Robbins UPW event (seminar)?

2 years ago I went to Tony's famous event, Unleash The Power Within. Before I go, I was debating so hard if I should go or not, I knew I love to see Tony Robbins and hear everything live, but I wasn't sure if it's worth it. Thanks to my husband, he pushed me and I went. Now I know for sure and I want to share it with you guys and hope this will help you decide with more confident.

It was a BOLD 4 day event, and my life changed from the first day going there! In their commercials they say "it's a life changing event" I wanna say, IT REALLY IS.

When we were there, Tony emphasized on this event's full immersion, and now I know the importance of it. Now, when I listen to any of the songs that were playing there, I go to another state of mind and get so much energy and can do much more than my usual. 

After the event, I was in pain for about 2 months!! I found my "why" in the event but didn't know my "what"! I was getting up very early (around 5am) every morning, doing whatever I could in order to find my "what". My journey is not about the destination, but I found my first "what" after about a year!! During this time, I read a lot of books, watched so many YouTube videos, listened to so many audio books, got some licenses, went to so many seminars and learned a lot of things.

It was 2 years ago, maybe I don't have the same pace now, maybe I get up around 7am now, but I still read a lot of books and do so many different things to use my full potentials. After about 14 years working in Accounting and Finance world, I transitioned to Investor Relations which is more advanced Finance joint with Marketing. This is not my final destination, I have bigger goals and this is just the path to get there. 

Simple, I'M NOT THE SAME PERSON ANYMORE!

So, yes, I absolutely think you worth spending this much money on yourself and I'm sure you will agree with me when you come back.

PS-  I'm going back this year as well :)

PPS- You can use this link to get 10% additional discount as my friends: https://mbsy.co/sgjlN

PPPS!- Before you get your ticket let me know, sometimes I get additional occasional discount codes and I'll be happy to share it with you.

PPPPS- First time I went, I didn't know about these discounts, so I paid almost the full price for the general ticket :/

Happiness

What is Happiness? How can I be happier?

You feel happiness when you get what you were expecting or when you get what you think you deserve.

Basically, you feel happy when your current situation matches your blueprint, your plan and your expectations!

Your blueprint is your belief system, everyone has their own beliefs regarding a certain situation based on the circumstances they grew up in, for example, at the beginning of your relationship, you think that you have to put more effort and you do more for your partner, and you forgive them for their mistakes or their forgetfulness! And they do the same for you, so both of you are happy. After a while, maybe after 5 years, you think you don’t need to “pretend” or you don’t need to put more effort, and your partner does the same! So now, you still expect the same behavior from your partner, you think about 5 years ago and you remember he/she used to do the dishes or take out the trash or cook for you and they were fine doing everything if you weren’t in the mood! And you still want them to be the same, and they are not, and that makes you feel you are not loved, and that makes you feel unhappy! Because your situation doesn’t match your blueprint, and doesn’t match your expectations.

Therefore, to feel happy in any situation, you either have to change your situation or your expectations. I believe in raising my standards all the time. So I will tell you this:

Change your expectations for appreciation and your whole life will change.

Be grateful for what you have, including your health your ability to be kinder to people around you and be able to make a small beautiful change in their life. Raise your standards and try hard to reach them and then raise them again.

Start with yourself and stop expecting anything from anybody, life will be so beautiful…. 

ERA yes!

Why ERA yes? The economic impact of Equal Rights Amendment in the U.S.

If you are reading this, you already heard about ERA and as you know, I don’t like long articles, so I keep it short and straight to the point.

          ERA can have great economic benefits for our country, here are two simple facts and for those of you who are like me and love economy related stuff, this can be a very good subject to work on. Let me know if you are interested and I will help you out and will connect you with the right network as well. Ok, let’s talk about facts and how ERA help our country financially.

Number One:

Women usually do most of the shopping in each household, so, if they get paid more (equal to men), they will spend more to either buy more products or buy better quality products which normally cost more money. So, it will be a positive (more) flow of money to the market and that’s what turns the economic wheel of any country. I didn’t want to use economic terms and this was the simplest way of explaining this fact.

Number Two:

If women get paid as much as men, in one household, this will be an increase to the woman’s income; when woman is getting paid more, men doesn’t need to work overtime in order to be able to take care of their cost of living. So, that’s less expense for the company, the government and also society. Very interesting, right?

I hope this will open some people’s eyes and motivate some others!

#ERAYES #Equalrights #equality #Economiceffect

Capital One Interest Charges

Why you SHOULD NOT get Capital One Credit Card?
and
CHECK YOUR CAPITAL ONE INTEREST CHARGES!

I know there are a lot of numbers, if you don't want to know he details, only read the last 3 paragraphs.

I have credit cards from different banks and I NEVER EVER carry a balance. October 2017 I noticed a very small charge on my capital one card as an interest! I was shocked and although it was too little but I called them and they said that was a mistake and they credit it back to my account.

April 2nd, 2018, I noticed there is a $43 charge as an interest on my account again!! I looked at my statements and transactions and since THERE IS NO "Remaining statement Balance" number on their app, I realized I didn't pay my Feb statement in full. 

My Feb statement balance was $1,129 and I paid $886 of it BEFORE the due date. So the remaining $243 was carried over to March statement.

March statement balance was $3,125 and the due date was April 5th.

As I said, I noticed the interest on Apr 2nd, so I paid the whole March statement balance of $3,125 on the same day which is THREE DAYS BEFORE THE DUE DATE.

Then AGAIN, they charged me another $53 on Apr 7th!!! This is unbelievable, I HAD NO BALANCE DUE but they charged me!!!

I called them, when I told the first person I'm a financial professional, she HUNG UP on me! 

I called again and asked for a supervisor, he transferred me to Kristine, the supervisor. I told her I've been in accounting and finance for more than a decade, so you don't need to play with words for me. This is how you should calculate the interest, but obviously Capital One doesn't. She said "I totally understand what you are saying but this is a valid charge"! 

I said, I had ZERO BALANCE DUE and you charged me interest, how is this even possible?! again she just said the same sentence!

I said, I've been your customer for 5 years and never had a late payment and I am the same with all my other cards and I have the same pattern of payment with all of them, how is it possible to get charge now for about $100!!!!!

You guys, I'm not writing this to get my money back, I'm writing to those of you who get charged for the interest and they never even tell you why you are paying so much!

Basically, Capital One charges you interest EVEN IF YOU PAY BEFORE THE DUE DATE. and if you are wondering how come this didn't happen before? I think this method TRIGGERS as soon as you don't pay your full balance ONCE.  

I already prepared a detail excel sheet and I'm ready to help you or loved ones to get their money back, so please help me spread the word, because TOGETHER we are STRONGER than these institutes. 

to Capital One: this is really unfair and it's definitely a very bad business practice.

How to find out my credit score for free?

How to find out my credit score for free?

You can request a free copy of your credit report from each of three major credit reporting agencies – Equifax®, Experian®, and TransUnion® – once each year at AnnualCreditReport.com or call toll-free 1-877-322-8228.

You can also use the credit report available for free from your bank (if there is one available). Another way on checking your credit score which is more in details and very helpful, is through Credit Karma (Creditkarma.com) it’s secure and free.

Your credit score is based on your credit report data from one of the 3 major credit reporting bureaus: Experian, TransUnion and Equifax. 

Scores info:

800 + : 
This is an Exceptional credit score and that should be your goal. This credit score range is way above the national average and borrowers within this range will most likely not have a problem getting credit.

740 to 799:

Score: Very Good. This score range is also above the national average and borrowers in this range are at a great advantage in both the likelihood of getting credit approval and being offered lower interest rates.

670 to 739:

Score: Good. A “median” range, this score identifies a borrower as “acceptable” which means he or she might not get as low an interest rate as those in a higher credit score range.

579 and lower:

Score: Poor. Consumers who fall within this range are considered a poor credit risk and may be rejected. Many who fall within this range must often put down a deposit or pay a fee to obtain a credit card or home utility services.

How to increase my Credit Score?

Tips on Increasing Credit Score

Having a higher credit score can save you money and can open new doors for you, below are some tips and steps to have a high credit score.

Payment History (35% effect on FICO score)

•       Paying your bills on time.
•       If you’ve missed a payment, pay it right away and stay current. (Call your credit card  company and ask them to reimburse the late fee and never ever miss a payment again)
•       Paying off a collection account won’t remove it from your credit report.

Amounts Owed (30% effect on FICO score)

• Keep the balances on your credit cards low by paying them off every week or twice a month.
• Never move your debts around, pay them off as soon as you can.
•       Don't open a lot of new credit cards that you don't need.

Other Essential Tips:

 

• Having a higher credit line (Total Credit) will increase you credit score. Usually every 6 months you can request a credit limit increase from each of your credit card companies BUT make sure there is not going to be a hard inquiry on your account! (American Express usually doesn’t run a hard inquiry if you request less than $25K increase, Capital One, just request through their App and you are gonna be fine, Chase and Bank of America have a hard inquiry anyways!!)

• Having a higher credit limit doesn’t mean you have more money AT ALL! It simply is a number, you are not allowed to use it unless you are sure that you can pay it back within 30 days.

• NEVER close a credit card that you don’t use, just simply use it once a year and pay it off right away, this way your credit history and total credit line limit are gonna be high and as a result, you are gonna have a higher credit score.

• You can check your credit score for free from different sources without any effect on your score. (Credit Karma, BOA FICO and Capital one credit wise are some examples of those)

• Choose your credit cards wisely! This means, check the cash backs they offer when you are gonna shop somewhere or in Gas station or …, use the one that has a higher cash back or benefit for you (Don’t forget the deals available on some of your credit cards)

• Take advantage of the bonuses on opening the credit cards but don’t get the credit cards with annual fees unless you are 100% sure you are gonna get your money back every year PLUS more cash back or values.
• Instead of being afraid of having credit cards and use cash, LEARN to have discipline and use your credit cards ONLY when you can pay it off really fast

How to build Financial Freedom? (Becoming Financially Free)

Six steps to building your financial situation

1. Increase your cash flow

It is but obvious that everyone who has invested his money in the market always looks for more and more profit to be earned each time. Once the cash flow increases in the business, the chances of increasing the profit get higher. So, we should find a way to make more money with our money, the trick here is that you don’t want to sell your time for it! I’ll show you how you can do this in later posts.

2. Manage your Debt

It is one of the major tasks to manage the amount of debt. There are good debt and bad debt that we should be aware of them, and we have to get rid of the bad debts as soon as possible. One of the bad debts so many people have is the student loan. There are a lot of ways to get rid of them, you can do your own research or let me know and I will introduce you to best people in this category.

3. Create Security Fund

Most people call it emergency fund but I prefer a more positive word, Security. Each person should always have some amount saved so that unexpected expenses can be paid off with ease. One of the ways you can make your security bucket filled so fast, is by putting the money you saved on number 2 above in a secure account who gives you a good return.

4. Make sure you have the proper protection

You should be very cautious in choosing the credit repair company for repair and maintenance of credit report, because they use all the legal procedures and policies to correct the mistakes in the report. This is so important because it can put you in trouble under various acts and legalities. In addition to these one should always look for those measures which will help in reducing the loss of income and all the family assets (like having a trust or specific kind of corporation or …)

5. Build long-term savings

Long-term savings such as investments in various assets like real estate, gold or one other great option “IUL” will help very much in impressing your lenders or financial companies. Present yourself as a wise and foresighted businessman but a responsible citizen also. This always helps in minimizing the effect of inflation and long-term investments help in cutting the tax costs.

6. Preserve your Estate

Reduce the probate costs (Probate cost is the cost when you have to claim the assets of any deceased one). There are number of technical aspects which need to be considered regarding the probate administration such as creditor notification, petition for a personal representative etc.