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Times are hard. The whole world is in a serious financial crisis. There is

no more opportuned time than now for one to explore self motivation as a

tool to develop the culture of how to save money.

You should have enough self-motivation to neutrilise the urge of spending

more than what you earn. Experts agree that if people are well motivated

on the importance of saving towards the future as a concept, there are

greater chances for their success in life.

If you maximise the ideals of self-motivation, no matter the situation, you

will always find a way of saving money. Your developing a simple life style

is the best motivation you may need if you are trying to develop various

ways of saving money. Once you have developed enough motivation to save

money, saving money will then become a pleasurable task.

How then do you then self-motivate yourself to saving money?.Here are some suggested ways I wish to proffer.

1. You should stop the idea of going on spending sprees.Try to cut down on

your purchases for the household e.g grocery. Prioritize the items that are

of utmost importance. Only purchase what you need.Apply this principle on

all aspects of your spending. The main principle is for you to limit the expenses on the items that you really need and keep whatever cash

remaining.

2. If you live in a Country where coupons are the order of the day, you

should endeavor to collect as many coupons as possible. Once one is

motivated to save money, one should not care about collecting coupons.

Explore all the major establishments such as restaurants, cinemas

and even boutiques that accept and give out coupons to its customers to

offer a discount. If you should keeps these coupons,they can get a little

discount on establishments that you usually go to and this would actually

save money in the long run.

3. Your using your car always may not be advisable in view of the petrol

hike. You should maximise the opportunity provided by public transportation.

You will have the opportunity of saving some money not only on petrol,

but also save some more since you will not have to pay for the car's

maintenance and parking.

4. The lesser energy you consume, the more money you will have to save.

Experts believe that if people are motivated to save their energy

consumption. there would be lesser problems in terms of energy usage.

You should make it a habit to unplug cables from their outlets when

they are not being used. This is one of the ways of saving money and

energ through electricity.

moses zaccheaus - a writer, author, publisher, philatelic, numismatic teacher and internet marketer..

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Times are hard. Money is not easy to come by. Everybody seems to be complaining of being cash strapped. One should therefore appreciate the concept of saving until things get better. You may need to engage in a balancing act which may be somehow very challenging.

 Here are some of the ways that you may explore to enable you learn how to save money. You should set yourself a set of goals which you must strive to achieve.

 Your first assignment is to get rid of your various debts. You will calculate your monthly expenses and find out the areas where the necessary adjustments can be made to enable you pay off your debts.

You should keep proper records of both your income and expenditure. It will be appropriate if you put them in writing. You should try to each expense in a specific term e.g. rent, various insurance packages, entertainment, food, gas, phone bill etc. You should balance your records with your receipts.  Always keep the records with you and at any given moment, you should be able to know your financial situation.

Assuming that you are unable to cut down your expenses to make you debt free, you may be required to make additional sacrifices changing your apartment for one with lesser rent, reducing very drastically your entertainment bill and cutting down on telephone bill. You should eat more at home.

You may invite someone  to share your apartment with you with a  view of sharing rent. You should stop using your credit card. Having credit card or more is one of the reasons people run into trouble. The use of credit will attract interest.

You should pay for everything with cash. You may even put a

on your wallet  reminding yourself  of the need for you to save.

 Saving money should not be restricted to cutting down on expense but also trying to have additional  income.  You may decide to enhance your income by opening an interest-bearing savings account. This type of account is different from the regular savings account and the best part is that the interest rates are much higher. You may explore other options like CDs or money-market accounts for longer savings goals.

Discipline and self-control are the major keys to saving money

particularly during the period of economic recession. If you are

employed, good for you but what about  millions worldwide who don’t and have to live on unemployment checks or aids until they are able to get another jo

It is very imperative that you set yourself a goal and you stick to it. Your main objective is nothing but survival. You have to keep a roof over your head  and food on your table.

You may even seek  the services of a financial expert to help you plan on how to achieve a debt free life. That's if you think you have run out of optionts. It is the job of the financial expert to help you find answers when you think that you are in a financial dead end.. You just have to do your share to make it happen.

moses zaccheaus - a writer, author, publisher, philatelic, numismatic teacher and internet marketer..

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Your offering good quality stamps may not be as important as offering stamps thatwill sell, collectors will buy or those that are in demand. It is astatement of fact that not all Countries and Topics are as popular as the others. Some Countries and Topics are more popular than the others.

There are obvious reasons why not all Countries or Topics are equally popular. There are some Countries which have large pools of collectors. Postage stamps of Countries like the USA, Western Europe, Scandinavia, Great Britain, the British Commonwealth, Canada, Japan and certain Countries in the Far East will sell. Please explore these Countries.

Many collectors will stay away from those Countries which are in the perpetual habits of releasing too many stamps. The Countries which are guilty  of this include third world and socialist nations.

Topical collectors do not normally pay too much attention to which particular Country has released a particular stamp. The various themes determine their interests. Of interest to the thematic collectors are themes like Flora, Fauna, Ships, Sports, Art, Famous people etc.

You should try as much as possible to stay away from offering your customers incomplete sets of stamps unless they were specifically requested for. The incomplete sets of stamps are commonly referred to as ‘short sets’. Most serious collectors would rather go for complete sets – complete as listed in the variousc atalogues and stamp albums.

You should offer unmounted mint stamps even though you may come across collectors who willbe ready to accept slightly mounted mint.

Cancelled-to-order stamps are no go area for most of the serious collectors. COT stamps for shortare those stamps sold by the Post Office in complete sheets with printed cancels. Collectors prefer postally used stamps with well centered postmarks. That’s if they collect used stamps.

COT stamps may be obtained cheaply and sold to juvenile collectors or to beginners with very good profits.

Any time you are trying to replenish your stock of stamps, be sure to consider the pricing factor. You are in the philatelic business to make profit. That should be your guiding principle.

YOU should offer your customers stamps in complete mint sets and Topical stamps from very popular Countries at a discount of catalogue prices.

If you offeryour customers items based on the above criteria, you have a very good chanceof being very successful. 

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I wish you were there to see the countenances of the crowd that gathered when I was being treated for a human bite with Okra(abelmoschus esculentus) and Lime(citrus aurantifolia). Some faces looked clownish as if they were about to cry in sympathy to  my ordeal.

Sometimes last year, I was relaxing with a group of elders in a very busy spot along a Ring road passing through my neighborhood with an average age that should be around 65years each. We were sharing our life experiences over palm wine. Suddenly I saw approaching a very robust elderly woman whose features looked very familiar to me. I immediately stood up to have a full glimpse of the woman only to discover that it was Jumoke my Secondary school girlfriend. That was 48years ago. I saw her about 30years I requested that she joined us and she kindly obliged.

We exchanged pleasantries and went through memory lane. It when I wanted to play one of my youthful pranks that I ran into a very serious trouble. It was my attempt to pick an item from her bag and her refusal led to her giving me a serious human bite. By the time I withdrew my hand from her bag, what I saw was blood on the spot on which she gave me the bite. I also felt pain.

As I was looking for my driver to take me to the hospital for  the necessary treatment, one of the elders told me that I should not waste my time going to any hospital. He advised that instead I should look for some raw fruit items and apply them on the very wound. Even though I am well educated, I decided to take the risk by following the advice of the elderly man.

I then sent my driver to purchase both the okra and lime at a  nearby local market..When my driver brought the fruits, they were cut open and their flesh were used to scrub the spot of the bite wound with such a terrible pain and additional oozing of blood from the wound.. Eventually I became relieved of the terrible pain and the blood ഫ്ലോ stopped, I left for home. On getting home, I went to bed immediately only to wake up.

Ithe following morning with very great surprise.

what did I see?. I saw some whitish substance on the wound, which may be explained off as a possible resultant reaction of my body fluid to the raw fruits applied on the human bite.

I later learnt correctly or otherwise that had I faiked to give the bite a very effective treatment, there was the possibility that the wound might possibly become rabid to the detriment of my health.. I have to confess to the fact that I am yet to find out about the medicinal efficacy of both the okra and lime on human beings particularly on wounds caused by human bites.

The treatment  as far as I am concerned was a success.

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Since my wife went on 3 months' holidays in the U.S, I have completely forgotten the usual weekly practice of checking my weight on the scale not until my tailor told me to WATCH it. I wanted a new complete dress sewn for my friend's 60th Birthday party. The tailor had to take a new measurement of me only for him to tell me that I had added extra flesh to my body. When I got home from the tailor, I went on the scale and discovered that extra 10 kilos were added. I became worried. I knew that I had to immediately make some adjustments to my life style.

The next day I went to consult a nutritionist and then registered with a Gym. After due consultation with the nutritionist, I mapped out my weight loss strategy. The nutritionist told me

point bank that no one can eat junk and unhealthy food one fancies and achieve a weight loss. Drug may be of little or no effect in weight reduction.

I started drinking a lot of water. I drank eight to ten glasses of water everyday between but not with meals. I was taking a large glass of water 20 to 30 minutes before my meals. In addition I also took herbal teas and vegetable juices. I enjoyed taking fruits 30 minutes before my meals.

I started eating regular meals. I ate them slowly and in smaller bits. I made sure that anytime I ate cooked food, I added raw food like salad, bananas, apples etc. I never missed my breakfast. When going to work, I always went along with healthy lunches and snacks. I ate more at lunch than at dinnertime.

Anytime I suspected that I was suffering from stress, boredom, anger, loneliness, depression or any possible emotional discomfort, I would not take full meals. Instead, I would go for juices.

I made sure that I walked a minimum of 3 kilometers every week. On Saturdays, I would visit the Gym. On Sundays, I would go for swimming at the Club whenever I had the time. I was very careful about what I ate outside particularly at parties etc.

I would take supper by 7p.m.and made sure that I went to bed by 11 p.m. in order to allow both my liver and gall bladder to carry out the natural detoxing process of my system. Even though I was not happy with the certain regimented aspect of my weight reduction process and the frequency of my visits to the loo at a stage, I was very determined to achieve my set objective of weight loss. This I did within a few weeks. My set objective has been achieved. I am now as fit as a fiddle

You do not need to own a single postage stamp or any postal  issue to start trading in the items as a Dealer. However, you are required to know exactly where you can source or obtain at WHOLESALES prices the STOCK of the various postage stamps and postal issues you may wish to sell to your potential customers.

It is therefore advisable that you have a Stock ready whenever  you decide to start your philatelic business. One of your first asks will be to establish contact with as many as possible - various WHOLESALERS dealing in stamps and postal issues. A wholesaler sells mainly to Dealers. They issue long lists of the various items they wish to sell. The items may be offered per 10, 100, 1000 etc at very substantial discount off the various prices stated in the well accepted philatelic  catologues. You only buy the items you need.

The various addresses of the wholesalers may be found on the Net with the help of Search Engines. They may also be available in the numerous philatelic Journals, Magazines,

Newsletters etc. Please bear it in your mind that some of  these wholesalers may require or request that you provide  proof of your Dealer's status or you provide Trade References. A trade reference is an evidence of your previous succesful philatelic dealing. However most wholesalers will accept orders or requests written on your business letter headed stationery.

Some may also accept your proof of your membership of very reputable philatelic Societies and Stamp Clubs. Another source of your supply may be to encourage your family

members, friends, relations and collegues to give you the stamps on the respective mails they receive and  even the envelopes with such stamps. These envelopes in philatelic parlance are known as covers. Please kindly note that this type of supply even though free is very limited in scope. I would like to advise that you do  not rely on this particular source.

If you know of any offices or places within your locality where  large mails are received regularly, such avenue may be a very  good source of supply point. You may also place adverts in the  various Trade Journals,Magazines and Newspapers in your locality. Good

Auction Sites may be very good sources for specialised materials. Very current items may be procured or sourced at face  value through the Philatelic Services or Agencies of most

Countries.

If you decide to deal in the current issues of  a Country, you are advised to establish contact with the Philatelic Bureau or Agency of the Country of your interest. Please take note thatwhile new issues are readily available, they may be costly and even turn out to be of limited profit margin.I  would therefore like to suggest that you concentrate on older  issues.

 n most cases,you may discover that new and recent  issues may be available at less than face value.

You have to constantly replenish your Stock with new issues. You should also appreciate the fact that it is very imperative that you constantly supply your customers with new items.

The most basic key to your philatelic business is acquiring your  items at the right costs and selling them to your customers at the right prices.

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You need NOT be a stamp collector before you start buying and selling Stamps to Collectors, Hobbyists and Dealers Worldwide. You only need to learn the basics and some of the term used in the hobby. Once you have done this, you are in business.

Postage Stamps for collectors are indeed very appropriate for the very mail-order business. They are very easy to store, easy to package and easy to mail.

Philatelists - that's those who collect and study postage stamps are very discerning people with high quality consciousness. Therefore postage stamps must be handled with the greatest care because no collector, philatelist or philatelic dealer is prepared to purchase any postage stamp that is damaged in any form or the other. Very little damage is required to render a postage stamp useless in the eyes of the collector.

A saleable stamp in whatever form - mint or used must be in perfect condition With complete perforation, clean, no creases or tears and in the case of used ones the postmarks must be very clear. Collectors prefer well-centered stamps. This means that the design area should not be touched or affected in any way by the perforation. The design should be paced exactly in the middle of the stamp. that's well centred.

Most collectors of Mint Stamps prefer to collect their mint stamps in post-fresh condition. Unmounted stamp should be in the form of similarity to the one that may be obtainable at the post office. Those who collect used postage stamps will want stamps with clear postmark neither should the stamp be creased or damaged in anyway. The perforation must be in near perfect condition.

A mint stamp that has been placed in an album will attract fewer prices than the unmounted  mint. This is particularly true of modern postage stamps. It is very interesting to learn that sometimes used postage stamp may attract higher value than its mint counterpart.

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We have a lot of home businesses to choose from now than ever before. This may probably be due to the fact that there are so many different types of home business models now available.

You may decide to make your business full time, part-time, stay at home, totally mobile, online, brick and mortar in a commercial location.However One thing is very certain. it is a fact that each

business requires the right kind of business model.  

The best thing for you to do is to choose the best business model

that will fit into your plans for the new home business you envisage. While the best home business models may be of tremendious help in promoting and making your home business succeed. However you must bear it in your mind that there other very important things that must come into play before beginning a business at home.

There are disadvantaged aspects of home based businneses that even

a well - planned home based business model cannot change. For an example, there a lot of restrictions on shipping activities and customers in residential properties.

There are a lot of restrictions as a result of various local rules, law and ordinances. It is  therefore advised that one should be very familiar with these various restrictions before embarking on any home based business. it is important to check with your local government on what you can and cannot do from your home.

One should also note that working from home is fraught with a lot of

distractions like various domestic commitments that can interfere

with your workday. If foot traffic is involved, your home based

business may not the best place of call for both your customers

and clients.

But if there is none of these things impending your business,then make sure you plan you home based business very well. Get the best business model for your home business and be off and running in no time.

moses zaccheaus - a writer, author, publisher, philatelic and numismatic teacher.

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Creating a Home Business model may look like being called upon to carry out a daunting or herculean task. Along the line, you may also soon discover that you will need or require outside help in preparing your particular Home Business Model.

There are a lot of ways of sourcing for help. Experts abound to help you creat your ideal Home Business Model for a fee. However before you part with your money, you may wish to consider visiting your local

Small Business Association(SBA).

You should only source for help where it is available particularly when such help is free. The Federal Government decided in 1953 to establish the Small Business Association(SBA) to render aid and assistance to the varied interests of small businesses in order to help maintain and preserve free competitive enterprise and strengthen the overall economy.

In building America's future, Small businesses are very critical to both her economic strenth and greastness. Most of the large companies of today started with small ideas and their respective journeys started with the advices received from places like local Small Business Association(SBA).

The SBA has grown and evolved with the times but the bottom line remains the same. The SBA helps Americans start, build and grow businesses. SBA has an extensive network of field offices and

partnerships with public and private organizations.The SBA has a pool of specialists who are well trained in writing up and creating home business models.

Successfully written home business models can mean a lot of

difference in making or breaking one's business.

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Depression treatments vary but there are two primary methods. These treatments, generally used together are medication and psychotherapy. Recent studies now indicate changes in lifestyles can have beneficial effects. These changes can be as simple as exercising regularly and taking dietary supplements.

While generally speaking, a particular medication or combination of medication may produce very significant results, good responses may be harder to achieve if the particular type of depression is resistant to medical treatment. In that case, a thorough assesment is required and this may eventually lead to psychotherapy in combination to focusing on lifestyle changes and changes or increases in medication.

Hospitilization of a very depressed individual may be required in some emergency cases particularly where the depressed individuals are regarded as dangerous to themselves or to others. Such individuals mnay be moved to the hospital until they are responsive to treat and no longer pose any danger to both themselves to the society at large.

A less drastic alternative treatment program is partial hospitalization. The patient is allowed to spend most of the day in a psychiatric hospital setting but spends the night at home. A typical

intensive care treatment cover group therapy, individual therapy and medication management. This type of treatment are often given to children and adolescents. Group therapy affords the opportunity of peer support with the inherent knowledge that they are not alone. That others also are having similar problems and feelings.

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After one's recovery, there is a possibility of continue usage of antidepressant  medication in order to reduce the chances of

relapse.The reduction may be as much as by half. This type of treatment may last up to three years. However some researches have shown that prolong use of these medications may have adverse  physical effects. The exact reasons for this are unknown.  

moses zaccheaus - a writer, author, publisher, philatelic and numismatic teacher.

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