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Debt kills options – period!

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A couple of decades ago, a friend of mine had a small credit-card balance of a few hundred pounds and was paying just about the minimum payment monthly. He also had a payment-protection insurance which he paid monthly. The trouble was, despite paying the minimum monthly payment and the payment-protection insurance, the balance was not reducing at all. My friend was flummoxed. He did not realise that paying the minimum monthly payment barely covered the extortionate interest rate, and, if not for timely intervention, it would take decades to pay off just a few hundred pounds. When he told me about it, I volunteered to pay off the debt if he would cut up the credit card and become financially literate. He agreed. The first thing I did was cancel the useless payment-protection insurance and then paid off the balance in about three instalments. Since then, my friend has become quite financially astute. He has one or two credit cards now but pays the full balance monthly. Read

How Can Self Development Books Change Your Life?

 Inspirational and self-development books are a big hype these days. But before you buy, you must know whether reading these books help. Yes, these books help. Self-development books can be a powerful tool in your personal growth arsenal if used properly. These books are more cost-effective than therapy but can offer you equal benefits. Self-development books also allow you to progress at your own pace. This is one of the reasons why people find reading these books more comfortable than going for professional assistance. In addition, learning how to benefit from the inspirational and self-development books like Games inventor Michael Kindred books can help you to avoid all the pitfalls of fake gurus and fads while getting most for your money and time. Benefits of Inspirational and Self-Development Books: 1. These books allow you to more positively interpret yourself and the world: If you read a self-development book regularly, your brain will be flooded with uplifting concepts and po

Historical Fictions- All You Need To Know About These Treasures

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Historical fiction offers a thorough analysis of the recognizable human character within a particular set of circumstances. This way, it allows the readers to re-experience the human and social motives that led people to think, feel, and act as they did in the historical reality. So, by reading historical fiction, people develop the awareness that historical events have a great impact on contemporary times. Historical fiction also offers the readers a thorough insight into the minds of people of past generations. Therefore, these books induce empathy and develop a live connection between past and present. So, if you like reading historical fiction, then you can also enjoy reading by downloading fiction historical eBook .   Why do People Choose to Read Fiction Historical Books?   Reading historical fiction is a great way to learn more about history. Good authors always research the time when the story took place and then they weave some interesting details into the story. The result is

The Power of Reading - Mind-blowing Research

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Study after study has found that older people who were mentally engaged doing things like reading and writing, or taking part in hobbies or games, stayed mentally sharper than those who were not. Many hundreds of studies have shown that mice and rats which are kept in cages with a variety of objects to explore show much better memory and cognitive abilities than those kept in standard, relatively austere environment. What's more, they also grow extra brain cells! When we face challenges, including mental challenges, our brains release a chemicals which help sharpen our perception and decision-making process. Brain connections are strengthened and brain networks grow as a result of the beneficial effects of chemicals released in the brain triggered by mental stimulation or challenge such as reading books (paperback and Ebooks). If you are in search of an Ebook store in London United Kingdom , please do visit our website. Reading is life-transforming and can help both children and ad

Succinct and Satisfying

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Book Title: Short Stories - Volume Two Genre: Fiction: Short Stories / Thriller / Anthology Author: Neal James Be prepared to laugh, cry, shrink with fear as you listen for those bumps in the night, and fly away into outer space as you travel through the wormholes of your own mind. This collection of twenty-six stories is the second rollercoaster ride which Neal invites to you take with him. ‘Short Stories Volume Two’ will fill that coffee break or evening by the fire. There’s romance, crime, horror, science fiction, and just a hint of the paranormal among the twenty-six tales which he has spun for you. …Find out more…visit book web page www.pneumasprings.co.uk/ShortStories-VolumeTwo.htm “Short and snappy stories swathed in sheets of spun-out satisfaction” …publishedbestsellers.com Ebook | Kobo | Google Play | Amazon Kindle | Apple iBook | Nook

Welcome to your Success and Motivational Toolbox

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Announcing the Pneuma Springs blog, visit to read great content with shared fortnightly on a variety of topics of interest ranging from personal finance , health, personal development, relationships, habits, gratitude and more; all designed to help you blow the cap off your capability. Read the Pneuma Springs Blog

A Success and Motivational Toolbox

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Book Title: Blow the Cap off your Capability - Be Unstoppable Genre: Self-help and personal development Author: Yomi Akinpelu You're designed for success. You're meant to do something that will make you unforgettable. How can you achieve this success? The answer is straightforward: success comes as a result of few, simple, well-designed habits practised and repeated every day. So why doesn't everybody just do it? The answer is obvious, yet profound: it is because the things that are easy to do are also easy not to do. The message in this book is simple: be careful not to neglect doing the small things in your life that make the big things happen. Nothing will change unless you change. Author, motivational speaker, millionaire, businessman Jim Rohn said, 'Success is not what you achieve, it's what you attract by the person you have become.' This book shows you how to become that person; the person who attracts success. …Find out more…visit book web page  w