Thursday, January 26, 2012

Vision Boards

Is anyone familiar with vision boards? Does anyone use vision boards to help them to achieve their goals and dreams? I’m seriously considering starting one.

If you are not familiar with a vision board, or have never even heard of the term before, let me explain it a bit.

A vision board is a board (poster board, cork board…) where you put images that “speak to you”. They can be images of things you want out of life (a dream vacation, a beautiful house, a fancy car) or they can be visions of things that inspire you (a colorful photograph, an image of a child). Some people have been known to create vision boards of images that they are not 100% sure why they are attracted to them but hold on to them to see if their purpose and meaning becomes clear to them one day. 

The purpose of a vision board is to keep your mind focused on the things you want to achieve in life, or to use it as your muse to inspire you to write, create artwork or for some other purpose. The vision board gives your “vision” clarity and helps to keep your attention on your intentions. If you look at it every day it helps you to keep your “eye on the prize”, so to speak. It can also be used as a force to help reinforce your daily affirmations. 

I have heard vision boards are also similar to The Secret, which all the range a few years ago. The vision board is a place for things in your life that are positive. As per The Secret when you think about positive things, positivity is attracted to you. It is suppose to help you achieve your goals and dreams.

I have an “online vision board”, so to speak. I bookmark on my computer things I really want in life. For example, one of my dreams is to own a house. I want a house with a yard where I can grow a garden and plant Lilacs. I would love for my children and our pets to have a place to run around and play. I have even gone so far as to look up appliances online, as well as furniture, for my dream house. :-)

Making a vision board is really easy. You can make a simple one with some poster board. Or you can use a large cork board. I’m looking to get a corkboard just in case I want to add or remove pictures as I go along.

Once you have the board you are going to use the next step is to go through magazines and cut out images that stand out to you and that “speak” to you some how. Perhaps it’s a photo of a couple on a beach that represents a dream vacation for you and your significant other. Or maybe you’ll find a photo of a gorgeous dress you would love to wear, which will inspire you to lose weight or save money so you can have such a dress.

Don’t worry about putting the pictures on your board just yet. First just gather the pictures that interest you.

After you have finished collecting pictures your next step is to lay them all out on the table and pick out your most favorite photos. Once you have your favorites you’ll need to figure out how you want to arrange them on the board. Do you want to put them on the board with no specific “game plan” or do you want to specify the different corners to represent different things (one corner could be goals, another for dreams, and another for creative inspiration…). The board is YOURS so it has to make sense to you and only you. Don’t worry about what others think.

Once you have the pictures arranged you need to attach them to the board. You can use tacks (cork board) or glue. If you use glue use a glue stick or rubber cement. Regular glue might make the images get bumpy and they won’t look as nice.

After your board is complete you need to hang it some place where you can look at it each and every day. For me, I’m going to hang mine by my desk. Other people might want to hang it in the bedroom, in the bathroom, or any where else you think you will have the chance to look at it and focus on it every day.

Do you have a vision board? I would love to hear about it. If you have been inspired to make one for yourself, what kind of images do you think your board would have?

For the record, vision boards are great for kids too!

Kimberly

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Funny photos from around the web

I so a lot of web surfing when I’m bored. Often I look for funny and unusual things.

Here are a few funny animal theme photos and comics that I have found over the years on the Internet. Well…one features dinosaurs. They were not REALLY animals but I’m sure it’s OK to squeeze that one in here. :-)

I do not know the copyright information (some of these are rather old). If you do know the copyright information please contact me so I can apply the appropriate credit.

Enjoy!

Kimberly

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Wednesday, January 25, 2012

ALWAYS read the fine print

Every now and then, usually late at night, I see a brief commercial for a loan service. We are NOT in the market for a loan (we have no need for one). The only reason why the commercial stands out to me is because it’s a very short commercial (30 seconds if that). The lady in the commercial also says, and I quote, “the money is expensive”. Ha! That is an Understatement.

The commercial goes by very quickly, and it’s difficult to make out the fine print. It looks to me like the interest rate is OVER 100%. Surely that can’t be possible.

HA!

Oh yeah… it’s possible.

On the commercial the interest rate is 116.73%. You read that correctly – 116.73%. That is their rate for a $5,000 loan. PLUS you have to pay a $75 loan fee on top of that.

But wait. It gets “better”.

The 116.73% interest rate is for a $5,000 loan. If you only need about half that amount you can take out a $2,600 loan (which includes the $75 loan fee) for a whopping 139.22% interest rate. And that is not even their higheset rate!

If you are just short some funds until your next paycheck, or need to have some emergency work done on your car, you can take out a measley $1,000 loan. HOWEVER… there is an unbelievable $500 loan fee – AND – the interest rate is a staggering 234.25%!!!

At these rates this is what you’ll end up paying.

$5,075 loan (includes the fee) @ 116.73% interest – 84 payments (7 years) totals $40,872.72

With their payment plan the $2,600 loan (including the $75 fee) will cost you $13,839.62.

The measly $1,000 loan, plus $500 loan fee ($1,500 total loan) will painfully cost you $4,756.56.

Don’t believe me. Here is the payment chart directly from the site.

 

The company is called Western Sky and yes, it’s 100% legal and legitimate. The company is on an Indian Reserve so they don’t follow the same rules that govern regular banking and loan institutions.

What makes me really sad (and at the same time scared) is the fact that there are people who are either so desperate for money that they are willing to agree to such astronomical interest rates and fees. Plus there are many people out there who are blissfully unaware of the interest rates because they choose not to read and understand the fine print that are suckered into this loan.

My family has found ourselves in dire need of $$$ from time to time. We have never been THAT desperate to take up such an insane loan offer.

If you need money please exhaust all options before signing your life away with a loan like this. Borrow money from friends and family, sell stuff on Ebay and Craigslist, get a part time job, pawn anything you have of value. Do whatever it takes so that you don’t have to resort to a loan like this.

And remember… ALWAYS read the fine print.

Kimberly

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