Bobbi Brown’s tips for life
In Bobbi Brown’s new book,” Beauty Rules”, she has nuggets of wisdom which apply to all of us. She states to “be nice” and that “you must be kind to others”. Also to “tell the truth”. She said “to take risks”, giving the example of going to NYC, without contacts and making cold calls to people in the beauty industry .Bobbi Brown said ” never give up”, even working for free on a trial basis to show your skills. “Be on time” and “be open” to whatever may be coming your way. Feel your passion and to “care about something”, whether it’s animals, the environment or whatever. She suggests “giving back” by finding a cause and that is special to you. Bobbi Brown advocates “working hard” even if this means starting from the very bottom and working your way up the corporate ladder. “Look people in the eyes” to show your confidence, even if you aren’t feeling it at the moment. Bobbi Brown learned that looking and feeling pretty matters to one’s self esteem. I am helped by reading of successful people’s struggles and the wisdom that they learned along the way. So many people have nuggets of wisdom that we can incorporate into our own lives, whether they are celebrities or a valued elderly neighbor.
How to pay off your mortgage
Tips on paying off your mortgage quickly. 1. Have your mortgage automatically withdrawn form your bank account with a set addtional amount to go to the principle itself. For example, I doubled my mortgage amount with the other half going directly to my principle. 2. Put ALL extra dividends, bonuses, tax refunds, inheritance, etc directly to your principle. Make out a mortgage slip and send that in as an extra payment to your principle. It doesn’t matter if they are small amounts as long as they are clearly marked “principle”. If you get large sums of money sporadically, such as artists do after shows or when paintings sell, put a good chunk of that to the principle. I am friends with an artist family and they blow big chunks of money on frivolous items, but moan about their mortgage. Any extra money that comes in, that is not your salary, put towards the principle. 3. Check your mortgage policy. Is there a prepayment penalty? If so, see if you can have that mortgage transferred to another institution, which doesn’t have such restrictions. Maybe you can have your mortgage loan refinanced at a lower rate. Your monthly loan payment can be reduced if you put a certain amount down on your mortgage. For example if I put at least $5000.00 down, with a small fee, my loan payment was recalculated and my monthly payment became less. 4. Some people are putting large amounts of money into their savings accounts and investments, which don’t accrue the same amount of interest, as the interest owed with a mortgage. For example, last year I paid $1648.00 in interest with my mortgage, but did not earn any where near that with my small savings and investments. I pulled money out of my small investments, sold…
Safety tips for subways etc
Recently a robbery happened to the man behind me in a subway station in South America. It could have taken place anywhere. Be mindful of your surroundings, including “sleeping” homeless people on the floor. The big saftey tip is to particularly watch your wallet/ purse when you are going towards the train, BUT there is a nearby exit. The man entered as we did, and someone behind him grabbed his wallet and ran up the exit steps to the street. He yelled and I gestured to the policeman to follow them up the stairs. This robbery occured at a small station, so we walked the extra 15 minutes to use a busy, large station after that robbery. Skip the smaller, less peopled subway stations when possible. There are videos from the London underground stations, where would be thieves carry around empty plastic carrier bags. What the theives do, is to shield the pickpocket area from passersby with the plastic bag. Then no commuters see a billfold being lifted from a pocket or a handbad being opened and some contents purloined. My older son kept his hand in his pocket, over his wallet which may have saved him from being the robbery victim. Even though there is safety in numbers, be vigilent of your surroundings.
Adopt a class before your vacation
Talk to a teacher and bring back a local craft/bookmark for each student. The kids will learn a little bit about a new corner of the world. When I went to Vietnam, I found a small set containing a wooden girl and boy, dressed in the native outfits, for $1.50 each. That way the gift could be given to either gender. Colorful bookmarks with local scenes would also be inexpensive. The teacher showed the first grade students where Vietnam is on a globe and map. They briefly discussed a little bit about the country and food. It was fun for me to find these treasures and the kids really liked them and learning about a different country Key chains, pencils, pens or small local crafts would inspire children to want to know more about kids around the globe. Perhaps you could find a small booklet about your travel destination, for school kids amidst these budget cuts for education.
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