Avoiding Impulse Spending | Self Improvement Blogs from ...

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.

Wally Skorupa is a writer for Uniformhaven.com which sells dickies scrubs, dickies scrubs

Leon Edward helps people in Personal and Career Growth, leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal success, development and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org Leon Edward also helps people improve IQ, focus, memory, concentration, creativity, speed reading, public speaking , time management and reducing stress. Download his IQ Mind Brain Memory Self-Help library at his website http://www.IQMindBrainLibrary.comLeon Edward helps people improve in Leadership Development, Goal Setting, Success, Motivation, Self-Improvement, Happiness, Memory Improvement, Stress Reduction and more through his articles, blog posts and special reports . Join Leon Edwards Awesome Success Free, Get his personal development training, success and growth weekly newsletter as well as success classics and tips on attracting success and wealth. Visit his Success-Leadership Library, Articles at http://www.AwesomeSuccess.org

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Source: http://awesomesuccess.org/self-improvement-blogs/self-improvement/organizing/avoiding-impulse-spending/

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Apples to Lemons: Microsoft?s New Retail Showrooms

Hey, I love a blue screen of death as much as anyone, but I wouldn?t drive to the mall just to see one.

I have a Mac. My husband has a PC. ?This makes for hours of hilarious fun.

When he starts to fire up his computer, I set the timer on my iPhone for 10 minutes. That?s how long it takes his PC to boot up. Then I set the stopwatch on my iPhone to see how long it will take him to ask if he can use my Mac while his antivirus software runs a scan. (My Mac doesn?t get viruses.) When that?s done, it?s either the blue screen of death (BSOD) or a complete crash. ?I hope you backed up your data,? I say in a condescending tone that I now have down to a science. The fun never stops.

Now the frivolity is coming to a mall near you. Microsoft opened the first of its highly anticipated?Apple Store knock-offs Thursday (Oct. 22, 2009) in Scottsdale, Ariz. I watched the video and you can, too. They're all over YouTube.

Oh, how hard they tried to make it look as hip and as cool as an Apple Store opening or a new Apple product launch. They even hired Apple employees by paying them significantly higher wages to work in the store and hike the cool factor. The signature all-glass front window revealed a similar layout. A line of people waited in an orderly, cordoned-off line. And when the doors opened, employees in Apple-like color-coded T-shirts executed a somewhat pathetic re-enactment of a new Apple Store opening, complete with clapping and high-fives for everyone.

Now, you may not love Apple as much as I do. Perhaps you even find Apple?s arrogance annoying. The clapping, the shirts, the Concierge team, the One-to-One training that actually educates customers so they won?t feel powerless when they are alone at home with their computers.

Maybe you laugh condescendingly when, on your way to Macy?s, you see customers actually getting their computers fixed in the store by the oh-so cutely named Genius Bar. But think about it, when your Dell breaks, do you think the Guru Bar at the Microsoft Windows Store is going to fix it. The ?gurus? there won?t; they can?t. Microsoft doesn?t make your PC. It simply makes the operating system that makes your computer run, then crash. Apple makes its own products and its own software. Apple teaches you to use them and fixes them if they fail you. Apple is the Nordstrom of technology when it comes to customer service.

The Microsoft ?store? is a clone, all right, but it?s a mutant clone. It?s not bright, sleek and hip, and it?s certainly not a store ? if, by store, you mean a place you go to buy things. It?s a showroom. There are computers, but Microsoft doesn?t make computers. Apple does. You can buy copies of Windows 7, the new operating system Microsoft rolled out to drive away memories of the bad dream that was Vista. And you can buy the few hardware products Microsoft does make ? the Zune and the X-Box game console.? But if you were going to buy a Zune or an X-Box, wouldn?t you keep doing what you've done all along -- go to Best Buy or Walmart or Amazon in search of a discount?

It strikes me as more of a museum than a store. At first it seemed like comparing apples to oranges, but then it struck me that the fruit of Microsoft?s tree this time around is more like a lemon. So, yeah, it?s like comparing an Apple to a lemon.

As for me, I?ll take a pass when they open one of their ?stores? near me. After all, I can observe the pitfalls of Microsoft Windows in the comfort of my own home.

Note: If you liked this obviously biased bit of Apple flattery, you?ll love this video.

Source: http://feedproxy.google.com/~r/Technewtopia/~3/Gjg5a0v-SCU/apples-to-lemons-microsofts-new-retail.html

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French Embassy convoy hit by bomb in Baghdad (AP)

BAGHDAD ? A roadside bomb exploded Monday morning next to a French Embassy convoy traveling through downtown Baghdad, wounding seven Iraqis, officials said.

A police officer said the bomb which was exploded at about 8:30 a.m. lightly damaged one of the three armored SUVs in the capital's commercial Karrada area.

Four Iraqi guards working for a private security company employed by the embassy and three civilian bystanders were wounded, the officer said. The French Foreign Ministry said no one in the convoy was hurt in the explosion.

"Nothing indicates that members of our diplomatic representation were targeted by this attack," ministry spokesman Bernard Valero said in an online briefing Monday.

The attack was part of a series attacks launched by militants in the capital during the Monday rush hour.

At about 7 a.m., gunmen in speeding car shot and killed with pistols fitted with silencers a policeman in the southwestern Amil area, another police officer said.

Nearly an hour later, a parked car bomb targeted a passing police patrol in the northeastern Shaab neighborhood, killing one policeman and wounding four others, a police officer said.

And three civilian bystanders were wounded in central Jadriyah when a roadside bomb missed a police patrol, police said.

Three hospital officials confirmed the casualties. They spoke on condition of anonymity because they were not authorized to speak to the media.

While violence is well below what it had been during the early years that followed the 2003 U.S.-led invasion, militants are again stepping up deadly attacks. That has led to concerns about what happens when the 47,000 remaining U.S. troops are withdrawn by the end of this year.

Iraqi government and other political factions are debating whether to keep some American forces in the country beyond the Dec. 31 deadline.

Source: http://us.rd.yahoo.com/dailynews/rss/iraq/*http%3A//news.yahoo.com/s/ap/20110620/ap_on_re_mi_ea/ml_iraq

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