Nationwide Direct Works to Help American Families With Debt

Debt……I have debt. Most Americans have debt.

In fact, according to Fox Business, in the United States, the average household has more than $16,000 in credit card debt.

and the NASDAQ said that consumer debt is rising at an alarming rate and when you compile the debt for student loans, credit cars and automobiles, the American household debt seems insurmountable to most people.

The economy has improved since the recession hit 10 years ago, but the average family has yet to feel the positive implications of the economy as a whole rebounding. And many would say that debt is actually enslaving many American households.

So what has contributed to this staggering problem? When the recession hit 10 years ago the average median income family saw their debt increase as their houses lost value and many jobs went away. In order to get by until things improved, personal loans and credit cards became the norm for making ends meet. With high interest rates, many families were only able to make the minimum required payments, which actually hurt them more, as they were unable to get out from under the debt they were accumulating just to keep their families fed and a roof over their heads.

This has happened so often that many companies have offered to help with debt consolidation. This can help families find a way to put all of their debt together and make one payment to one company as opposed to many payments to many companies. Oftentimes consolidating your debt can also reduce the amount of interest owed.

One company offering help with debt is Nationwide. Nationwide Debt Direct works with consumers like you to develop and execute a professional strategy with the goal of satisfying and eliminating all of your unsecured financial obligations. You can find out more at this website. Nationwide Debt Direct.

In fact, Nationwide is taking it a step further to help families and is offering a scholarship. To quote their website: “The Nationwide Debt Direct scholarship was created with the belief that everyone who wants to pursue a higher education should have the opportunity to do so.  Nationwide Debt Direct is committed to helping students receive a higher education, while also keeping their student debt as low as possible. Student loan debt statistics are shocking and can become debilitating to some students. This scholarship was created to show NDD’s commitment to supporting students who have thought about their financial future as well as their academic future.”

You can find out more about the requirements and scholarship opportunity here:

Nationwide Debt Direct Scholarship

In times like this when so many American families are struggling with so much debt and trying to find ways to help, it is nice to know that a company with such a wonderful reputation such as Nationwide are doing so much to help.

 

 

 

 

 

 

Music Can Inspire Greatness

I have been a Harry Potter fan since the books first came out. I have a 20 year old son who was at just the right age for Young Adult books when they were published and he was at that time in his life an avid reader. In face he would often get in trouble in 4th and 5th grade for often having his nose in a book instead of paying attention to the teacher. (I probably should have realized this was an escape from school work that would show up later in high school in less positive ways) but at the time I was okay with having a great reader although of course being a dutiful mom I scolded him for not paying attention.

This same son and I were such Harry Potter fans that we went to the bookstores at midnight when the books came out to buy them. I wasn’t quite okay with midnight movie openings because they were usually on school nights unfortunately but the books came out on Fridays or Saturdays and it became a special treat for us.

We own all the movies and have all the books in both paperback and hardcover, and yes I can say we have a Harry Potter marathon movie day at least two to three times a year at our house.

So you can imagine my delight when this brilliant man named John Jesensky created Cine concerts. This is a concert where a symphony plays the scores of movies while the movies are being shown on a big screen behind the musicians. For me this is awesome because Harry Potter and the Sorceror’s Stone is being shown and played by the Virginia Symphony Orchestra in November in a town next to me.

This is very exciting and I can’t wait to experience this. It will be both acoustically and visually stunning! Music Can Inspire Greatness!

Mr. Jesensky is also a composer of music for over 15 films and has created a scholarship in his name. Young musicians face a highly competitive field and higher education is quite costly. Many times they drop out of music and pursue other career paths. Mr Jesensky has created a scholarship (The John Jesensky Music Scholarship) to support students. One student can receive $1000.00 to be used to help in their pursuit of musical higher learning.

And the accolades don’t stop there. This man has dedicated his life to music and has won awards at events such as the Cannes Film Festival, L.A. Film Festival, Hollyshorts Film Festival, D.C. Film Festival, Phoenix Film Festival, Bare Bones Film Festival, and La Gona Film Festival.

With such an impressive list of accomplishments and entrepreneurship, nit to mention his interest in youth and their attainment of a higher education in music, I am proud to be able to spotlight Mr. John Jesensky.

 

 

3 Tips for Running a Successful Home Based Business

I have been a business owner for over 5 years. In fact I have owned 6 different businesses over the past 10 years. All of them were/are home based businesses, and while that is a wonderful thing, it is also very difficult because no one will tell you when to do things or how to do things and you have to be able to manage your time wisely.

Using your time wisely is important because some people don’t work enough. They don’t plan well or prioritize well, and spend too much time planning or thinking and not enough time doing. For others the exact opposite is true and they can’t ever turn off their business. It consumes their time and they don’t unplug to do things that are self care. This is a lesson that Marty Stallone has learned. He is a successful Land Development Vice President.

I have been on both sides of the spectrum and have learned a LOT of things over the years.  so I want to offer you 3 tips on how to run a successful home based business.

1) Keep a list of things you want to accomplish each day.

This is very important for me, because sometimes your day is spent putting out fires and you may get to the end of the day and think nothing got done and in fact the things you WANTED to do may not have gotten done, but you need to be able to feel as though your day was spent doing something. So I make a list of the things I want to accomplish each day and also I write down the things I did get done because those might be two very different lists.

2) Time Management

I like to use the Pomodoro technique.  The technique works by getting you to structure your work in 25-minute sessions, each separated by a short break.  The method is remarkably simple. Each 25-minute session is one “pomodoro.” When you complete one, take a five-minute break before embarking on the next. When you have completed four “pomodori,” take a longer break to rest and recharge. At first, it might seem counter-intuitive to take so many breaks throughout the day. But research shows that this can actually enhance your focus when you return to the task you’re working on.

Step 1: Check Your Schedule

Your first step is to check your schedule and think about what you need to do. Estimate how long each task should take you, in terms of the number of pomodori (25-minute sessions) you will need to complete it. Also schedule in time for your breaks: five minutes for each session completed, plus a longer 20- to 30-minute break at a natural stopping point.

Step 2: Set Your Timer

Before you start, make sure that you have everything you need to begin on your tasks. Set your timer for the work period you’ve settled on. You can use whatever sort of timer you like. A traditional kitchen timer or one on your phone is ideal for working from home.

Commit to work only on the task at hand.  You have a limited time in which to focus your attention on it. Then, in your rest break, you can return phone calls or check your messages. With this in mind, do what you can to minimize interruptions before you begin. Shut your office door,  turn off your phone and email/chat alerts. (this is a big distraction for me.)

Step 3: Work on Your Task, and Only That Task

Devote all of your attention to the task at hand for the duration of the session. Don’t allow yourself to become distracted if ideas or thoughts about other tasks pop into your head. Write these down and then set them aside.  You can adjust your schedule to work on them in the next session.  If you complete your work before your time is up, use the remaining time for routine activities, or for other short tasks.

Step 4: Take a Short Break

When your timer goes off, take a five-minute break. You should do this even if you’re “in the flow” because these breaks are your time to rest and “recharge your batteries.” You may worry that interrupting your work for a break loses time, but regular breaks will restore your energy and improve your productivity to levels that more than make up for any lost time. The Pomodoro approach works by maintaining your energy, so that you don’t need to waste time working on tasks when your concentration levels are low. For maximum benefit, use your breaks to get away from your desk. Move around, take a walk, stretch.

Step 5: Continue Your Work Sessions and Take a Longer Break

When your break is over, reset your timer for the next session and continue your work. When you’ve completed four pomodori, take a 20- to 30-minute break. Use it to go for a walk, eat a healthy snack, have lunch, read a book… anything, so long as it takes you away from your desk for a while and clears your mind of what you were doing before. Remember, the important thing here is to replenish your energy levels.

It is important to listen to your body. If your mind starts to wander or you start to feel tired, don’t push through to the end of the session. You might want to experiment with this. It may be that three pomodori followed by a 20-minute break suits you best, or that five sessions followed by a 30-minute break is better.

3) Self Care

Turn OFF! Turn off your phone. Turn off your computer. Unplug. Enjoy time with friends and family. See a movie, play with your kids, go to the park, get a massage or a facial, or just go for a walk. Take care of yourself so you can take care of your business.