In many cases, intelligence can translate into earnings. The smarter you are, the more you can earn. Also the smarter you are about money and current events, the better you will able to save and handle your personal finances.
Boosting your intelligence can help you excel at work, do your job better, get paid more and rise more quickly through the organization. In your personal finances, the more you know, the better you can save and invest your money.

While it’s always good to research and learn about business and financial subjects, it’s good to boost your intelligence overall with different types of educational endeavors. Here are some great ways to boost your intelligence to earn more money at work and better handle your personal finances:

Expand Your Computer Knowledge
If your job or hobby involves computers, check into whether you are using the latest software and hardware available. If you like photography, learn more about photo editing software.

Participate constructively in as many Internet media sites as you can, so you can compare new ideas, notes and suggestions with other users. You’ll get your information, social contacts, entertainment, news and opinions instantly, allowing you to absorb the information quickly. You can also interact and become a more intelligent participant in areas that interest you. Set yourself up on twitter and facebook, they can be used to connect and network with people who share your interests and also introduce you to local events and groups you can attend in person.

Learn New Languages
The world grows ever smaller because of the Internet, and personal computers are in almost every home. Each new language you master allows you to communicate with more people everywhere. Many free online courses exist, offering basic instruction including audio and video.

My son lives in downtown Los Angeles and loves Korean food, he found a website that teaches basic Korean language and has audio files so you can hear the words and sentences spoken correctly.

Learn New Skills
The Internet is loaded with sites that offer how-to information, from building a house to building a career as a stand-up comedian. Whether it’s related to your hobby, your real occupation or related to your fantasy occupation, just try it.

Research and Write a Family History
The Internet offers all kinds of information, genuine documents and other vintage items that may allow you to create a family tree. Share your discoveries with other family members, and establish an ongoing graphic history they may want to continue into future generations.

Join a Book, Politics or other Discussion Club
You may get more out of relating to people at face-to-face sessions in small groups. Of course, with interactive computers, you can also do similar video chat sessions. Skype and other video chat software can connect you to people who share your views, your hobbies or your interests. You’ll boost your knowledge by listening to the ideas and opinions of others. You’ll also learn how to think and respond quickly and intelligently in live discussion settings which can help you rise within a corporate structure.

Enroll in Local College Courses
An entire spectrum of educational opportunities are available on line, as well as in local college classrooms. If you haven’t earned that degree or professional designation you’ve always wanted, look into enrolling as soon as you can. Get started on your way to higher knowledge, and take advantage of more opportunities to enhance your career and life. Many employers will reimburse employees for taking college classes or getting a degree and having a degree may open up more advancement possibilities. Management employees may be able to get higher degrees like a MBA or even a PhD, with the company offsetting some or all of the costs.

Debt consolidation may sound a bit overwhelming for those who have never done it. However, there are many credit counseling agencies and debt consolidators that may really help people bring them out of debt. However, you have to be careful because there are some agencies that merely are trying to make money without assisting you in the least.
It is important to know that there is a difference between these two types of companies. Credit counselors will assist you in becoming debt free and also remaining debt free. This entails helping you recognize how you got in debt and then help you get out of debt. Then they will place you on a budget and provide services that can help you remain out of debt and live a sound financial life.

Now debt consolidation companies have a little different approach. They likewise will assist you in getting out of debt, however, they do so by dealing with your creditors to merge all of your debts into one big debt with one monthly payment. This normally means acquiring some kind of loan on your behalf that will pay back your creditors and then you pay off the loan company instead.

Most individuals prefer going to a credit counseling service first before they go to a debt consolidation company. Since they feel it is important to have someone help them figure out how they got into debt in the beginning. So it fortunate that there are numerous, credit counseling companies out there.

What to search for when looking for a reputable credit counseling company?

– Most important is that they ought to be affiliated with the Better Business Bureau. If searching on the internet for a good credit counseling company, the companies internet site ought to have a BBB logo and a link to their record on the Better Business Bureau website. You will want to click the link to find out if there is any open complaints against them.

Most folks only remember the Better Business Bureau after they have been ripped off, only by then there’s not much you are able to do. Dealing with a credit counseling agency that is associated with the Better Business Bureau means that you will be able to go to them to assist and arbitrate any conflict you may have with the service provider.

– Reputable credit counseling services will be licensed by an independent nonprofit organization, just as a lot of schools are. One such accreditation organization is the National Institute for Financial Counseling Education.

– Most respectable credit counseling agencies will charge a nominal monthly fee, normally around $30. Some may charge a fee upfront, although this fee should be moderate – around $50 at most.

– You will need to complete an application when you choose to go with a credit counseling agency. The application must clearly state what the fees are, what the services to be provided are, and in what timeframe all of this will be rendered.

– Avoid any agency that claims they can “wipe out” your debt for you, instead of just helping you to pay back the debt. There really is no way to wipe out debt, even bankruptcy leaves a big mark on your credit report for ten years.

Admittedly, your vehicle might not repossessed if you stop paying off your debt. However, you are still legally bound to pay off the debt, and the possible action of being taken to court will loom over you. You will then probably be incapable of getting any sort of credit financing if you still have debts in collection, so that means no chance of buying a vehicle or home.

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