Financial Security for Women 101: Know Where You Are

Although the intent of this series is to help the average woman develop the basic financial skills, there are people of both sexes, from all walks of life, that opt to allow others (or no one) to manage their finances. It may be ‘easier’ on the surface to be disconnected from the stress of financial management, but ignorance is not bliss when it comes to your money and your future.

It is our sincere wish that everyone have a happy, wonderful life with none of the pitfalls inherent in our modern lifestyle such as divorce, job loss, illness and death. But unless your name is Cinderella, you need to understand that there are harsh realities you need to prepare for. This is not fiction we’re writing here.

One of the first steps on your journey to financial security is to know what your present state of affairs is. Otherwise, how can you map out a success strategy if you don’t know where your starting point is? Even Dorothy had a starting point to escape from Oz. It may be unpleasant to face reality, but you gotta know.

Make a file, a notebook- some kind of recordkeeping device that works for you. You can buy books for that purpose, use a computer program, whatever. The important thing is that it be comfortable and easy for you. Don’t add to your stress by trying to use a system that takes a lot of effort on your part to work with. My husband likes to do his recordkeeping on the computer but I prefer a notepad and simple accounting ledger.

The next thing to do is find out how much money you have right now in cash, checking and savings accounts. If you are the bill payer for your household, this should be easy, but if you’ve not been involved in that process previously, you may encounter resistance, even suspicion. It may take a diplomatic effort on your part to reassure your mate that your intentions are honorable. Each partner in any domestic relationship has both a right and responsibility to participate in the financial processes of the partnership. Just as you wouldn’t invest in a business then blindly allow someone else to control the money, it is unwise to invest in a relationship with fruits of your labor yet not have a hand in the investment process at home.

When you think of investments, you may think stocks and bonds, but in truth, everything you spend money on is an investment. Buying groceries, paying doctor bills is an investment in your health. That big screen TV you’ve been wanting would be an investment in your entertainment. Getting up every day and going to work to earn a paycheck is an investment in your financial welfare. Paying bills is an investment in your good credit. Paying the electric bill is an investment in keeping the lights on. Instead of seeing things as expenses, consider them as investments. This is important as it programs your mind to see each expenditure as important and worthy of consideration.

Just as there are good investments that benefit you in both the short and long term, there are poor investments that would rob you of your security. Investing paycheck dollars in alcohol down at the local pub night after night may be an investment in your entertainment, but it is a poor investment long term as the return on your investment would likely be unpaid bills, poor health, possible addiction, legal bills from DUI’s and a whole bunch of ‘friends’ who spend a lot of their resources on that sort of thing as well. Spending money for unnecessary items just to satisfy your desire for something new falls into this category. So does paying with a credit card and racking up big bills if you can’t afford to pay them off in a timely fashion.

Speaking stocks and bonds…and retirement accounts, anything considered an investment for the future, you need to know what the value is. This could be as simple as looking at the most recent statement of that account or if it’s your twenty year collection of Elvis dolls, having a competent, trustworthy appraisal done. You should make copies of all documentation and keep the originals in a safe place. This way you will have copies of the account numbers and a history record should it be needed. Be sure to include life insurance accounts in this search. Term life insurance does not accrue cash value, but it is good to know what you would have available to you if your loved one dies. Find out when the term of the insurance expires and what renewal options may exist. Whole life insurance accumulates a cash value over time as well.

Next, find out exactly what your total monthly household income is. All payments should be considered, and a copy made of the most recent statements should be added to your file.

Last but most importantly, is to find out where your money is going. Every last dime of it. Not only from the monthly bills, but everyday expenses. It’s not a lot of fun, but keep a little notebook handy for a month and track expenses. You need your partner to do the same as well or at least give you the receipts so you can track things. If you meet a lot of resistance, you may have to resort to asking questions, making estimates or, as a last resort, snooping around to find out. This may be the least desirable approach, but every cent that gets spent in your household is an investment in your future. You have the right to know.

Once you have completed the information gathering process, you will begin to have an idea of your true financial health. The next step in this series will be to conduct an honest, straightforward appraisal of your financial health.

How to Find PowerPoint Presentation on Your Computer and on the Internet

PowerPoint presentations are often utilized in schools and in businesses. They are powerful means of instructing the students as well as the businessmen since they can easily be captured with the visuals accompanied with the appropriate statements. This is why they are often used to explain, illustrate, demonstrate and enlighten the audiences of the speakers. Working with PowerPoint is also easy and thus, people are able to articulate what they want to express without difficulty. The problem with working with a lot of PowerPoint presentations is that they could often be misplaced. This is why you need to know how you can find PowerPoint presentation easily.

There are simple ways that will enable you to find PowerPoint presentation that you are looking for. First up when you want to search for PPT files on your computer, the simplest method is to use the inbuilt Find of your operating system. Windows users will definitely see this as an easy task since they can just go to the Start button and then select Search or Find. After that, they can specify the filename of the PPT presentation that they are looking for. If you have forgotten what the name of the file is, do not worry because you can simply enter ‘*.PPT’ and you will obtain all the PowerPoint files in your computer.

You may also need to specify the path in which the computer will search in. For instance, if you believe that the PPT file is located in the local hard drive C, you can just select C as the location. This will allow you to get the results faster. If you do not know the exact spot where you have saved the file, choose Desktop. However, you should be prepared to wait for several minutes especially if you have a large computer system.

Meanwhile, when you are looking for PowerPoint files on the internet, the syntax is not the same. Sure, you can use Google or any search engine to find PowerPoint presentation on the web but this does not limit the results to PPT files. It is a good thing that there are ways on how you can improve your searches on the web. To do this, you can go to your favorite search engine and then enter the topic that you are searching for. Then, key in ‘filetype:PPT’ For instance, you are searching for the exact phrase ‘strategic plans.’ You will need to enter in the search engine’s box the following: ‘strategic plans’ filetype:ppt.

To make things even easier, you can look for a PowerPoint file finder. They act like a PowerPoint search engine wherein they will help you find PowerPoint presentation in the last possible time. You can benefit from them if you really need the files in a few moments. They can give you the results in a minute and they also provide accurate results.

Why Does A Computer Become Slow Running Over Time?

Computers are very powerful machines, but just like other devices, they have broken down at some point. Amongst the things that many people experience with their computers, including Macs is slow running. It can be frustrating when your computer is running slow because it takes longer to get tasks done and this can leave you over the edge and can also lead to lots of wasted time. Most of these issues can be resolved, but what exactly leads to the slow running of computers?

Software updates

They are some of the most common causes for a computer running slow yet they are very important. Most cause temporary slowdown to your system as they continue launching in the background. You can fix this by ensuring that your software is always up to date.

Low disk space

Computers tend to slow down dramatically when they are running low on disk space. Remember that plenty of cache files get generated between your apps and the operating system. When the disk is full such actions take much longer to swap files, thereby affecting the speed at which your computer runs. Always check on the space available and clear out files that are no longer needed from time to time to create more space.

High utilization of the processor

Processes and apps that consume lots of your processor tend to slow other computer operations or tasks. There are so many things that can end up taking up your CPU more than appropriate and they can create an issue. You can quit such apps or processes to free up the CPU and improve operation.

Too many open apps

Another thing that most people overlook yet it can have an effect on the running is opening too many apps at a time. It is a habit that can run you out of RAM or crash the disk resulting in slow speed. Quit all apps that you are not using and work with as few open apps as possible every time.

Not Enough RAM

It is amongst the biggest slowdown culprits. Virtual memory takes over when you are out of RAM and this memory is really slow considering that it relies on the hard disk for information storage. Lacking enough RAM for your needs can also slow speeds. Give up apps you no longer need and re-launch the rest that you are using. If your RAM is not enough for your needs, then it should be time to consider a RAM upgrade.

Icon clutter on desktop

It is very common to find users with tons of icons on their desktops. The fact is that every icon is drawn as a window and previews the content which can take up plenty of resources when things are moved around. You know you have an issue if you have a desktop that has folders, documents and files covering most of your wallpaper. Tidy up the desktop or crate folders to accommodate files in relation to their relevance.

There are so many reasons as to why a computer can run slow but fortunately most of them can be rectified in simple steps. Find out why your computer is running slow and get a remedy for it