INCOME AND PENIS SIZE:OVERCOMING MASCULINE DOUBTS

by Ray Bruce, Ph.D.
Eric, 26, has just completed his Ph.D. in applied digital engineering. He's wondering what he's going to do now. Out of school and out of work, he's questioning his relationship and his life. His girl friend, Kim, has just had her best year ever as a stock broker with a major NYSE Member Firm. She says it doesn't matter who makes the most money. He's not so sure.
Next to penis size, questioning his ability to provide anadequate income is the surest way to create doubt for a man. A man who believes he's at risk with either is vulnerable on all fronts. Why are sexual prowess and income so important? Because they provide men with the most obvious symbols of identity. Externals seem to be everything in our MTV paced, consumer oriented culture. Sound bites don't give much time for more than a passing glance. If you have the right clothes, the right audio/video link, and the right job, you must be Mr. or Ms. right. If you don't, you're out. It's the external law of the jungle.
But things may be changing. Beyond income, what does work have to offer? Fortune Magazine in it's December 26, 1994 issue asks the question "Why do we work?" Their conclusion is scary for many men. Fortune reports that personal satisfaction seems to come in four ways:

achieving technical excellence
serving a purpose larger than the individual
being a part of a team
by finding what your spirit needs
Here's the rub. Of these four springboards to satisfaction, only technical excellence deals with externals, the other three address inside issues. How can men develop tools to compete on the "insidetrack?" One place to begin is to develop a personal mission statement.
Stephen Covey in his best selling book, Seven Basic Habits of Highly Effective People says, "You see, once you can decide what you are about and what you treasure, what you value, you've automatically got guidelines. You've developed the criteria for making all of the decisions in your life."

Average Credit Cards with Great Rates

Average credit cards are usually low on features and carry higher rates when compared to other credit cards. Most of the credit cards that consumers will find online are designed for people with very good credit or poor credit. However, in today’s market, the average credit scores nationwide for consumers have been trending downward. This is forcing banks and credit card issuers to focus on consumers who have fair to average credit more so than they have in the past.
When shopping online for average credit cards, consumers are typically offered credit cards that are geared towards consumers who have poor credit. This is simple economics, credit card websites make money when you are approved for a credit card, and credit cards in this class will allow them to get more credit cards approved. Unfortunately, in this scenario the credit card issuers win and the consumer loses.
However, if you know where to look, and which cards to apply for, consumers with average credit can find great deals in today’s credit card market. They may be buried on the last page of most credit card websites, but they do exist. Direct Banc is one of the few credit card websites that prominently displays the best of the average credit cards up front. These credit cards will carry the lowest rates and the best features for applicants with fair to average credit. Here are a couple examples:
IberiaBank Visa® Classic Card ��" IberiaBank is directly related to Pulaski Bank, one of these two banks recently bought the other one, I’m really not sure how it went down. Nonetheless, they offer a great credit card for those who have average credit. This credit card, like most credit cards, has a variable rate that hovers around 4% - 5% their credit threshold is stated as “Average”.
Average credit is an unclear term, and each bank has a different definition of what “average” is. What we have noticed at Direct Banc, is that IberiaBank defines average credit as one who has a few bumps and bruises on his or her credit but generally pays their bills on time. Ample discretionary income and residential stability are key factors for them as well.
Another great credit card for average credit is the Capital One® Platinum card. This card offers a low 8.9% interest rate for those with average credit who qualify. One of the great features you will find with this card is a 0% balance transfer feature. Transferring a balance from another card to a 0% interest rate will give consumers a huge break on their monthly payments. As with all cards, we suggest that you read Capital One’s® important disclosures for More Information.
Finding average credit cards for fair to average credit may be a little harder than hopping on a website and applying for the first card that you see displayed. Most of the cards you will see prominently displayed are either aimed at consumers whose credit is very good, or those whose credit is very poor. However, if you take your time, read the fine print, you can find great deals on average credit cards.

How to Make Quick Money and Keep it - The Best of Two Worlds

Do you feel that you are you going the route of the rags-to-riches-to-rags story? This is an exaggeration, admittedly. However, it seems that regardless of how often you heed the guides on how to make quick money, you still find yourself in the familiar territory of financial quicksand.
Maybe you know how to make quick money, but do not know how to keep it! Indeed, making quick money share similarities with spending money, quick. It feels like you have holes in your pockets such that as soon as you put in money in them, the money just slides down into the holes.
Here is how to make quick money, and actually keep and save it.
Ideas to Make Money
You can have a job, first and foremost. Or, make that "jobs." Most jobs will provide you with regular income and employee benefits, plus an assurance that retirement benefits can be had in the future.
You can engage in a home business. You can either quit being an employee and instead become an employer, or be the one-man show of your fledging business. You can also engage in your home business while holding down your job. It all depends on your financial capability, risk tolerance, goals, and personality, among other factors.
You can capitalize on your passions and hobbies or on your talents and skills, and throw in capital and determination. Admittedly, having a home business might not be the best guide on how to make quick money per se, but it definitely can be a big-time money earner.
As to your home business, there are many opportunities over the Internet that you can take advantage of. There are data entry jobs, article writing projects, web design and development, blogging, and selling stuff online, to name a few business opportunities.
Ideas to Keep (And Save) Quick Money
Now that you have ideas how to make quick money, it is time for ideas on how to keep quick money. You need not fall into the vicious cycle of quick money in, quick money out at the click of your fingers (or more like, at the click of the mouse in these web-driven times).
First, change your psychological approach towards quick money. Always remember that your quick money is still your money, which means that squandering it will be fooling yourself. If the source for your quick money is a secondary job, then you can save this money as your primary job should cover your regular expenses. If it is your exclusive source of income, then saving is all the more necessary.
Second, be a diligent saver. As soon as you get your quick money, set aside a fixed percentage or a fixed amount as savings. Do not make an exception since you might make savings procrastination as recurring habit.
Third, stop using your estimated quick money as buffers for future expenses and debts. Unlike a regular job with regular wages, quick money from businesses can suffer from cyclical variations. If you use this quick money to guarantee debts, you might just find yourself in debt (and deep) trouble.
Fourth, follow all other advice on how to save money like never use your credit cards unless necessary, set savings goals within an attainable time frame, and stay within budget.
Ultimately, you decide how to make the most and the best out of religiously following guides on how to make quick money. Just remember, quick is as quick can.