Amazon is offering a free christmas music album mix for download. Here is the track list:
Thanks to Saving Cents with Sense for sharing this.
Use the code MP34FREE at AmazonMP3 for a free $3 credit.
Special thanks to Common Sense with Money for sharing this with me!
Risk Management is defined as the identification, assessment, and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the probability and/or impact of unfortunate events. It can not only be used for your financial planning, but also for everyday circumstances. For example, If you have a list of items that need to be completed by the end of week, you can identify, assess, and prioritize those items to minimize the risk to you. The risk may only be that you won’t complete them all within your timeline. We all use some level of risk management daily without realizing it. Some level of risk management is part of our natural ability to reason. Of course, some have more ability than others.
Throughout my college years I always received random pre-approved credit cards in the mail. They all ended up in the same place, the garbage. Without a steady job I knew a credit card wasn’t a good idea in my situation. I had friends and family who got in trouble with credit cards at a early age and are still paying for their mistakes today, literally. Now that I am a college graduate with a steady fulltime job I find myself struggling to obtain one of those cards that got thrown ever so nonchalantly into my garbage can. I’ve been rejected twice by major credit card companies for the very same reason, No Credit History. Which, in my mind, raised a very large and obtuse question mark. How do I build credit if you won’t give me a credit card?
I have seen this before as it has been floating around the internet for years, some financial advisers even use it when they are discussing and establishing Savings accounts for their clients. It is a philosophy about your psyche – savings is just like going to the gym – to make you feel better and how you project yourself to the world. Enjoy - Rich