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.