1. “Money is better than poverty, if only for financial reasons.” It sounds good to me, I mean the practicality of all things does involve money but it doesn’t have to take an arm and a leg to get it.
2. “I believe there is something out there watching us. Unfortunately, it’s the government.” ‘Nuff said.
3. “There are worse things in life than death. Have you ever spent an evening with an insurance salesman?” This happens to be one of the classic ones. I mean the issue about life’s little problems isn’t all that bad, until ‘he’ shows up.
   Sure, relationships can get complicated, or does have its complications that probably any author about relationships is bound to discover it soon. We follow what our heart desires, unless you’re talking about the heart as in the heart that pump blood throughout your body.
4. “Love is the answer, but while you’re waiting for the answer, sex raises some pretty interesting questions.” And if you want more, just keep on asking!
5. “A fast word about oral contraception. I asked a girl to go to bed with me, she said ‘no’.” It sounds, ‘practical’, I think.
   And when it comes to everyday life, he really knows how to make the best out of every possible scenario, and it doesn’t involve a lawsuit if he strikes a nerve.
6. “Basically my wife was immature. I’d be at home in the bath and she’d come in and sink my boats.” I never had a boat in my bathtub before. Just staring at it while soaking in hot water makes me seasick already.
7. “I am not afraid of death, I just don’t want to be there when it happens.” If it rains, it pours.
8. “I am thankful for laughter, except when milk comes out of my nose.” It could get worse when you’re guzzling on beer… or mouthwash, and it happened to me once!
9. “If you want to make God laugh, tell him about your plans.” At least he doesn’t smite us with lightning, and I’m thankful for that.
   And despite of what may happen to all of us in the next ten, twenty, or even thirty years, I guess we all have to see things in a different kind of light and not just perspective. I can’t seem to imagine life without any piece of wisdom that could guide us. Whether we’re religious or not, it takes more courage to accept your fears and learn how to deal with them is all that matters when it comes to even just getting along.
   And to sum things up, here is the last nugget of wisdom to go by… however, whenever, and wherever we may be.
10. “The talent for being happy is appreciating and liking what you have, instead of what you don’t have.”

It might take a little coffee or probably a few rounds of beer or any other booze you could get your hands on when it comes to relaxing after a hard day’s work. Well, yeah I’m guilty about that one as well, unless I’m caught dead wearing a lampshade over my head after a few rounds of vodka… half-naked! Okay, bad example and I apologize to everyone reading this after getting nightmares about me in that state of drunken stupor.

Just don’t ask how it happened, please.

But what’s really interesting is that how do people go through the usual part of life when faced with vein-popping stress? I mean, the new age thing like Zen or yoga is one of the good things and it actually works. Is there room for the intellectual side of people who can actually smell the roses-in-a-can while on the move? It kind of had me thinking that there really must be something in this ‘mind-over-matter’ thing.

Humor is indeed the best medicine there is whenever you are. I mean anyone can pay good money to listen to a comedian just to make you wet your pants after laughing so hard. Despite of what’s been happening, and to those who has gone though the ordeal, it’s better to just laugh while facing the troubles with a clear mind than anger with a clouded vision. One of my favorite celebrities of all time may have to be Woody Allen. Now this is one guy who gives you the in-your-face bluntness that he pulls out with gusto, even without even trying. You can talk just about anything with a man, and he’s bound to mock the subject and you’ll end up laughing rather than being upset about it.

Answer these questions truthfully:

1. Does your spouse or partner complain that you spend too much money?
2. Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
3. Do you have more shoes and clothes in your closet than you could ever possibly wear?
4. Do you own every new gadget before it has time to collect dust on a retailer’s shelf?
5. Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. However, the credit card industry and credit card holders are posed with a big problem called ‘Credit Card Debt’. In order to understand what ‘credit card debt’ actually means, we need to understand the workflow associated with the use of credit cards as such.

Credit cards, as the name suggests, are cards on which you can get credit i.e. make borrowings (your credit card debt). Your credit card is a representative of the credit account that you hold with the credit card supplier. Whatever payments you make using your credit card are actually your borrowings that contribute towards your credit card debt. Your total credit card debt is the total amount you owe credit card supplier. You must settle your credit card debt on a monthly basis. So, you receive a monthly statement or your credit card bill which shows your total credit card debt. You must pay off your credit card debt by the payment due date failing which you will incur late fee and interest charges. However, you have the option of making a partial (minimum) payment too, in which case you don’t incur late fee but just the interest charges on your credit card debt.

If you don’t pay off your credit card debt in full, the interest charges too get added to it. So your credit card debt keeps on increasing, more so because the interest rates on credit card debt are generally higher than the interest rates on other kind of loans/borrowings. Further, the interest charges add on to your credit card debt each month to form the new balance or the new credit card debt amount. If you continue making partial payments (or no payments) the interest charges are calculated afresh on the new credit card debt. So you end up paying interest on the last month’s interest too. Thus your credit card debt accumulates rapidly and soon you find that what was once a relatively small credit card debt has ballooned into a big amount which you find almost impossible to pay. Moreover, if you don’t still control your spending habits, your credit card debt rises even faster. This is how the vicious circle of credit card debt works.