Money and Technology

Saving, investing and making money with technology

7 Ways to Deal with the Negative People in your Life

Have you ever been faced with trying to stay positive when others around you are negative? Negative people can be a challenge to be around. They will bring you down and drain your energy. A negative person can throw your best laid plans to be positive right out the window.

Whether your child or spouse has an occasional negative day or you deal with a family member, friend or co-worker that is chronically negative, there are things you can do to remain positive in the face of negativity.

1) Let the Negativity Pass

Whatever you do, do not argue with a negative person. Arguing only adds fuel to the fire. A negative person will feed off any negativity that will strengthen his mood or attitude. I have noticed when my children are in a crabby mood, it is best to avoid trying to convince them to analyze and adjust their attitude. As soon as I take the approach of being in opposition with them, they seize the opportunity to prove to me that life stinks. Their negativity intensifies and the situation gets worse before it gets better. Sometimes the best thing to do is remain silent and let the negativity pass.

2) Negative People Need Love

You know how difficult it can be to give love and positive attention to negative people. Unfortunately, that is often exactly what they need. Deep inside that mean and critical person is a person that is usually afraid he or she is unlovable. It is our challenge to rise above the negative attitude and love the injured person inside. How do you show love when someone is negative? You must listen to what she is trying to tell you. Acknowledge the feelings she has by saying something like, “You sound very angry right now”. Even if you don’t quite understand the person’s feelings, know that your reality is different than someone else’s. Ask how you might help the negative person. This shows legitimate interest in her happiness. Offer a hug even if you get rejected. Remember not to take a rejection of your love personally. A negative person often has difficulty receiving love from others.

3) Focus on the Positive

If you try really hard, there is always something positive to be found in any situation. Pretend you are on a treasure hunt and search for any gold or jewels you can emphasize. Even a negative person has positive qualities. When a person is drowning in negativity, it can be difficult for them to see the positive. So often my clients focus on the negative aspects of themselves. They forget about all the great things they are doing. I admit that sometimes a negative person doesn’t want to see the positive. This might require her to shift her outlook. Negativity can become a habit and habits are hard to break. Be patient and gently remind your grumpy friend or family member to look for the pot of gold at the end of the rainbow. Hopefully, in her down time, she will begin to reflect on what you have said.

4) Ask Negative People to Elaborate

You may hear a negative person say things like: “Women are fickle.” “You can’t trust doctors.” “My husband makes me miserable.” These kinds of statements are a type of cognitive distortion referred to as generalizations. To help a person sort through her distorted thinking, ask for more specifics. Questions like “Which women are fickle?” or “What specifically about your husband is making you miserable?” forces a person to evaluate what he or she is really trying to say. A negative person will either give up because it takes too much effort to explain himself, or he or she will get to the bottom of the issue.

5) Detach and Avoid Trying to Change the Negative Person

Learning to detach emotionally from a negative person can greatly benefit you and the other person. A negative person will fight you if you try to change them. If you want, you can try a little reverse psychology and agree with everything she says. I once read a great article about a mother who was exasperated with her son’s negative mood. Everything she tried to soothe him and make him feel better backfired. She finally gave up and started agreeing with everything he said. When her son told her his friends were mean, she agreed with him. When he complained that his teacher didn’t know anything, she couldn’t agree more. After several minutes of this kind of dialogue with her son, his mood suddenly shifted. He declared that he was tired and he went to bed with a smile on his face.

6) Stay Away from Negative People

If you have negative people in your life that are critically affecting your mental and physical health, you need to evaluate whether or not you want these people in your life. Some people are so chronically negative that you have no other choice but to remove them from your life. It’s possible to do that with friends. You can find another job if your boss or other co-workers are bringing you down. Other people, such as children and spouses, are difficult to remove from your life. In this instance, professional counseling may be the answer. To protect your well being, you need to enforce very strong boundaries with negative people.

7) Keep Your Own Negative Thoughts and Behaviors in Check

If you do nothing else but focus on managing your own negative thoughts and behavior, you will come a long way towards remaining positive. A negative attitude is contagious, but a positive attitude is infectious as well. Hang out with positive people that encourage you to be your best self. Use positive affirmations to overcome negative self-talk. Express your gratitude for all the positive things in your life. Take the time everyday to watch all the beautiful things going on around you. Read inspirational material and listen to joyful music. Take care of yourself spiritually. Do whatever you have to do to remain positive and happy despite the negativity you face. The world will be a better place because of you and your attitude. And you never know, you just might help a negative person make a change to a better way of living.

Copyright © 2008 Lori Radun, CEC

About the Author:
Lori Radun, CEC is a certified life coach for moms.

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4 Tips On Choosing A Law Firm

As a business owner, you can never predict what will happen in the market or to your business. There could be one event and you could be thrown out of business. This is why it is important to remain prepared for anything that life throws at you. In order to ensure complete security of your business at all times, it is important to work with a law firm in case of an accident or personal injury. Do the groundwork and choose a law firm which has a good name in the industry. If you feel overwhelmed in choosing the law firm, follow the tips mentioned below.

1. Free consultation

There are some firms which try to get as much money from their clients as possible. Hence, it is best to choose a law firm that offers a free consultation for the first time. It will be a chance for you to see how well they approach the issue and you will be able to narrate your concerns to them. Understand the assistance and support they provide. If you think that they are reliable and will help you in the case, they are the right people for you. However, if you think that they are only interested in your money, choose a different firm.

2. Professional knowledge

Before you choose a law firm, you need to check the knowledge and experience they have. It makes no sense to work with a firm that is only recently established a business. You need to pick a firm which has many years of experience in the industry and can manage to give great advice to you. A firm with no experience will not be able to do the job you expect them to do.

3. Prompt responses

It is important that you choose a firm which has a good reputation in the market and can give you regular updates. A firm with a bad reputation will not be there for you and will not give you prompt responses. You need a firm who will be in touch with your throughout the case and will communicate to you about everything that is happening with the case. You need people who will answer your calls and emails at all times. Check with the firm how soon they respond to the clients before you work with them.

4. Services offered

There are some firms which only handle certain specific services but a professional firm will provide you with all the services. It is important to verify this information by meeting someone from their firm or checking on their website. Get details about their expertise with regard to a service or contact their office in person before you go finalize the deal.

It is important to choose the right law firm to work with. No matter the size and type of your business, if you have the right people working with you, you will be able to ensure that you are protected from any legal trouble.

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Most Successful Businesses That You Can Set up in Singapore

Singapore is a land full of opportunities in business. It has repeatedly been voted to be one of the best places for business in the Asian region and one of the best globally. Investors come from all corners of the world with the aim of enjoying what Singapore has to offer to entrepreneurs.

If you are planning to start either a small startup or a big company in Singapore, there are many options that you have. Although almost every business stands a chance to succeed here, there are those that are doing better than others. Below is a list of the most successful businesses that you can start.

Hospitality Businesses

Singapore is a both a business hub and a tourist attraction center. Therefore, the number of visitors the country receives in a year is high. All these people need a place to sleep, eat and have their laundry done. Therefore, you can start a hospitality business like a hotel or restaurant and do very well. Some of the best hospitality companies in the world have set up successful businesses here. The ideal areas to target include the beach areas, CBD and malls.

Telecommunication and IT Businesses

As a developed country, telecommunication service providers with excellent coverage and services are in high demand. Whether you start an internet solutions company or mobile phone service provider, you are likely to succeed. It is a major project that requires a good infrastructure, labor and networking. Singapore has more room to accommodate such investors either from within or outside. Another approach is to merge with local businesses that are already offering telecommunications services and add value to them through your services.

Fashion Businesses

Singapore is flooded with numerous fashion shops that are already very successful. It is easy to join this sector especially if you take advantage of technology and digital marketing. The two options for operating a fashion store include an online store or setting up a brick and mortar shop in one of the busy hubs like shopping malls. If you are a foreigner, it is easy to obtain an EntrePass through experts from because they are the best.

Biotechnology Businesses

The government of Singapore has put a lot of effort into making the biotechnology sector a success in Singapore. In fact, the ever-growing sector has attracted quite a number of foreign investors. The locals are also doing well. The main reason is that Singapore has skilled labor and the right infrastructure to operate this type of business. It is now one of the biggest exporters of medicine in the Asian region. Why not join this trend as soon as possible?

Education Businesses

Singapore has a high literacy rate. The government has made going to school a mandatory process for all people. The private schools, which many believe offer an even better education than the public schools, have been on the rise in the country. If you have the resources, you are likely to succeed in operating a school in Singapore.

If you are an investor, Singapore is one of the best places you can consider exploring. With the above business ideas, you are likely to succeed.

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Understanding More About Credit Scores and How to Improve Them

There are numerous articles that recommend the best ways to improve the credit scores of both individuals and businesses. Maintaining healthy credit has many benefits like having a better chance of receiving a credit card with a higher limit or obtaining loans.

Unfortunately, there are still many people who do not understand what a credit score is or some of the best ways to improve it. The fortunate thing is that you are reading the right article. Here, we will explain what it is and also tell you how to keep yours healthy. Read on to learn more.

What Is a Credit Score?

Credit authorities from different countries usually assign people a three-digit score that depends on their financial files. The number shows the calculated likelihood that a person will pay debts like loans, credit cards and bills among other things. The lenders and financial institutions are the primary users of the information. The higher the number, the healthier your score is and the more likely you are to receive a loan or line of credit. To keep it as high as possible, follow the tips we will share below.

Pay Debts on Time

You need to ask yourself why you have been failing to repay on time. Is it that you have been forgetting, or are you facing a financial strain? Well, reminders do work well for most people. They help you to stay alert that you have debts to clear at the end of the month. It is also a wake-up call to adopt proper financial management in your life. Paying debts on time creates a healthy credit profile because the lenders send such information to the credit bureaus. As a matter of fact, it is important to keep a close eye on your report to know where you are already. Sometimes, they may forget to submit the information that you need to improve your score.

Use Your Credit Card Carefully

Most people and institutions have one or more credit cards. Having one can build or destroy your credit score depending on how it is used. It is recommended that you avoid putting too much strain on your credit card. On the other hand, you cannot keep it unused. Only use your credit card when necessary and keep your balance as low as possible. This way, you show the lenders that you are responsible, and they use such information to improve your score. You can read more about how to improve your credit score at

Check Your Bills

This is where most people fail. They think that regular bills have no impact on the credit score. However, how you handle your regular bills determines your credit score to some extent. Paying bills on time is a plus because those sending the bills like utility companies usually send their reports on you to the credit bureaus. Set up reminders to avoid forgetting or postponing the bills past the deadline.


By now, you already know some of the best tips on how to keep your credit rating healthy. As mentioned earlier, you need to keep an eye on your report to know if the lenders are submitting all important information that would improve your score. Sometimes, incorrect information can cost you some points off your score, but if you complain, they will rectify the situation. Ensure that your score stays healthy at all times.By now, you already know some of the best tips on how to keep your credit rating healthy. As mentioned earlier, you need to keep an eye on your report to know if the lenders are submitting all important information that would improve your score. Sometimes, incorrect information can cost you some points off your score, but if you complain, they will rectify the situation. Ensure that your score stays healthy at all times.

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The Skinny on the Herpes Virus

Of the commonly known sexually transmitted diseases, herpes is probably only second to HIV in causing panic among sexually active individuals. There is good reason for this, as statistics show that although the rate of infection for other STD’s is dropping worldwide, the rate for herpes infection is actually rising. The Center for Disease Control estimates that, in the United States, 1 out of every 6 people between the ages of 14 and 49 has genital herpes.

All forms of sexual contact – oral, vaginal, anal and even kissing – can transmit the herpes virus. Herpes symptoms can vary from person to person, and some people who are infected may never even know they carry the disease because it remains dormant in their bodies. Other people can experience outbreaks almost immediately after infection. Herpes outbreaks can occur in as little as 2 to 20 days after exposure to the virus.

Herpes appears as a small blister on the skin in the genital area. The blisters do not always form directly on the genitals, and can also appear on the thigh region close to the genitals. Herpes blisters are painful sores, and when they erupt they ooze liquid. It is through contact with this liquid that the herpes virus is spread. Once the sores have erupted, they will crust over and gradually heal and disappear over a period of several weeks. This period, when sores are visible on the body, is commonly known as an outbreak. First outbreaks can also be accompanied by flu-like symptoms, such as aches, fever, and swollen glands. Although there is no cure for the herpes virus, prescription medications that can manage and shorten outbreaks are available. Many people who live with the herpes virus also find that managing stress levels helps to limit outbreaks.

Herpes is a very serious infection even aside from the sexually transmitted nature of the virus. Once an outbreak occurs, infected individuals must work diligently to control the outbreak and keep it from spreading to other parts of the body. The liquid that erupts from herpes sores is the source of infection, and touching sores can spread the virus to other body parts. Especially serious are when herpes infections spread to the eyes or brain. Individuals with already compromised immune systems from HIV or other illnesses are at a higher risk of developing serious complications from a herpes infection.

Prevention is the key to avoiding a herpes infection. If sexually active, know your partners and their histories thoroughly. Many people find the discussion of STD’s embarrassing or insulting, but since there is no cure for herpes, staying informed is the only sure method of preventing exposure. Regular STD testing is necessary, especially when switching sexual partners. Using condoms during sex can help to reduce transmission of the virus, but condoms cannot prevent it completely. Herpes sores can appear in areas not covered by a condom and transmit the virus through skin-to-skin contact. The only guaranteed way to avoid coming in contact with the herpes virus is through 100% abstinence from sexual contact. Once a sexual relationship is begun, remaining monogamous with an uninfected partner will help reduce the risk of infection.

If you think you might have herpes, or have been exposed to herpes, talk to your doctor immediately. Beginning treatment right away can be a profound help in keeping herpes infections under control.

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Benefits of Medical Billing Services in your Life

Tired of going to and form of the insurance companies and making claims? Then it is time for you to try the medical billing and management services and give yourself a bit of relaxation. But if you are still not sure about these services and their advantages then do not worry, you will change your mind after seeing the below-mentioned benefits of availing these services. But first, let’s get to know what medical billing is and what is done in it.

What it is?

It is a payment practice in the health system in which the healthcare providers which might include the doctors, nurses, orthopedists, dentists etc, submit and follow up on claims with insurance companies. This is done to avail the payment services rendered such as treatments, investigations and so on. So coming to the benefits of these services, following are the points:


This sometimes happens when you are doing all alone the medical billing and coding. When there is a large medical billing and coding, the chances of having an error increases and sometimes the wrong code can be used which will lead to wrong treatment. This will lead to payment rejection and delay as well. So with services, the chances of having an error are reduced to zero and you can claim your payment error-free.

Quick payment

When the errors are reduced, the payment for all the treatment can be done faster and efficiently. These services provide their full dedication to this job and they will make sure that you get your interest along with all the money which insurance company has to payment time and as soon as possible. They will help in claiming what is yours to these companies and will do your work more easily.

Saving money

The whole point of using these services is to save some extra chunks but what is the point of hiring someone to do this and pay them as well. But this is completely different. You will not have to pay them more than you are saving. They will help you in saving more and this will be very beneficial for you. You do not have to take any workload and this will actually save you from a headache. There are so many codes for the treatment you are diagnosed with, so they will help in ensuring the right code for the treatments which will handle the money flow.

Time Saver

With the help of these services, you can actually do what you do best. You do not have to waste a great amount of time which can be done error free with these services. So this is a win-win situation when you are getting to save the money along with saving the time as well by getting the help of local medical billing companies.

So, look out for the best of these service providers and remove a headache and spend time with your loved ones.

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Watches are an essential accessory to any gentleman’s outfit, an investment in your style whether you’re dressed for a busy day at work or a weekend of leisure and levity. There are tons of options available at very affordable prices to wear in everyday life, be it from complex digital watch faces to a classic leather band and analog movement, the list is limitless which suits everybody’s needs . At Kohl’s deals today we have scouted some of the top 20 watches which are available at amazing prices under the below $200 mark. They not only look good to wear anywhere but are at the same time not heavy on your pocket.

If you are a fan of Citizen Watches then they have a good handful of collection under $200.

  • Citizen Eco-Drive Stainless Steel Black Ion Leather Watch – AU1065-07E – Men at @ 168 over the original price $225

This watch is a very sophisticated choice featuring ion plating, a black dial with an adjustable black leather band is sure to make heads turn, coming with manufacturer’s five year warranty, this watch is water resistant and is fairly light so very comfortable to wear.

  • Drive from Citizen Eco-Drive Men’s Watch – AW1151-04E @$168.75

This trendsetting choice from Citizen is fuelled by light, be it natural or artificial so it does not require a battery. The blue accents and an adjustable black polyurethane band enhances its standout style and continue to get compliments whenever you wear it. Other features include 100M WR, Luminous hands and date display. So take action and make this watch yours.

  • AW1146-55H-Drive Citizen Eco-Drive Men’s Two Tone Stainless Steel Watch –

No matter which ever Citizen watch you buy they all have cool styles, and stands from the crowd. Featuring an expanded date window, this 3 hand watch in stainless steel rose gold two-tone watch is available at Kohl’s deal today for $187.50 (Regular price $250)

  • BM6010-55A Citizen Eco-Drive Men’s Stainless Steel Watch

This elegant masterpiece is water resistant up to 330 feet, making it great for swimming. The large dial is scratch resistant and surrounded by a protective mineral crystal and is easy to clean and the Japanese quartz movement gives the wearer accurate analog reading. This can be bought for $ 187.50 over its original price of $250.

  • 98D147 Bulova Men’s Diamond Accent Stainless Steel Chronograph Watch –

This distinguished watch featuring a quartz chronograph movement an paired with a black ion-plated stainless steel bracelet is available at an amazing deal at Kohl’s at $179. Ready for any occasion this watch is water resistant to 100 meters and coming with a 3 years manufacturer’s warranty.

  • Bulova Men’s Stainless Steel Watch – 96B220 @ $187.50

This Bulova watch boast of a rich blue dial which is perfect for business or casual attire and sure to elevate your look. Water resistant to 50 meters .With reliable Japanese quartz movement providing accurate time and includes a three year limited manufacturer warranty.

  • Bulova Men’s Precisionist Leather Watch – 96B257 @under $200

The signature feature of this Men’s Precisionist watch is its advanced movement technology resulting in accurate timekeeping, which is three times more accurate than standard quartz, a watch which will gain or loose only seconds per year. Water resistant comes with a five year manufacturer’s warranty. Strikes a perfect balance with a black leather band and a buckle clasp.

  • SGW1000-2BCF Casio Men’s Triple Sensor Digital Watch

Everything one is looking in a watch is there in this impressive new model packed with triple sensor and temperature, 100M water resistant is perfect for sports, work or activities involving water.Loaded with other features like World time, stop watch alarm and easy to read figures this watch is sure to keep you on track and prepared for anything.

  • Relic Men’s Chase Diamond Accent Stainless Steel Watch – ZR12557 @ $75.00 only

Get noticed with this eye catching diamond-accent watch from the Relic’s classy collection. This great looking watch comes in a round dial with silver tone hands and markers are ideal for easy reading, water resistant 50 meters, sleek color combination and light weight.

  • SNE047 by Seiko Men’s Solar Two Tone Stainless Steel Watch

This smart choice Stylish watch runs on solar power, powered by natural and ambient light. A fantastic watch at a good price with ten months energy storage.Black dial with gold tone hands and its quick start function and energy depletion warning is an added advantage coming with a three year manufacturer’s warranty.

  • SNE100 brand Seiko Men’s Stainless Steel Solar Watch

This is another variant from Seiko coming at a never before price of $198.75 over it’s original price of $265.00

  • Relic Men’s Kyle Leather Automatic Skeleton Watch

To give a rugged industrial inspired look this watch is a remarkable choice with a gunmetal alloy case contrasts with a brown leather strap for a bold addition to any ensemble. Available @ $93.75 over its regular price $125

  • Relic Men’s Leather Automatic Skeleton Watch

With an adjustable black crocodile leather band this Men’s Relic stainless steel watch has an automatic appeal, so pair this leather watch with any outfit as this can be bought at a slashing discount for $82.50.

  • Timex Men’s Expedition Leather Watch – T49870KZ

Though giving a casual look this Classic Timex style yet rugged expedition quality makes this watch a perfect addition to any outing. Offering an 8 year battery life and a durable strap mixed with leather and nylon, the Indiglo night light uniformly lights the surface of the watch dial using patented blue electroluminescent lighting technology, using less battery power.

  • T49963KZ Timex Men’s Expedition Scout Leather Watch

This watch is a trusted companion and a perfect accessory for all of your casual looks. With quartz analog movement well-crafted with twelve or twenty four hour time setting, date and Matte case finish and water resistant, this watch is available at a price of $53.99

  • Marc Anthony Watch – Men

This Black carbon fiber dial watch in a slick modern design will keep you on schedule with its accurate time, face cover mineral crystal and with a manufacturer’s warranty of two years which will make you marvel at its skilled craftsmanship.

  • GW6900-1Casio Men’s G-Shock Tough Solar Atomic Digital Chronograph Watch

This Watch coming from the G shock family has all that one could want in a watch, tough solar power and a built-in antenna receiving automatic time updates and a world time clock with 31 zones for simple adjustments. Designed in such a way that a slight wrist tilt activates the back light for easy viewing in dim light. The watch is shock resistant for durability in multiple environments.

  • G shock series MTGM900DA-8 Casio Men’s G-Shock Tough Solar Atomic Stainless Steel Digital Chronograph Watch

Another variant is powered with this Casio’s solar technology featuring world time in 48 cities and for precise time keeping receiving atomatic radio signals at a price $144 over the original Price $160

  • From the makers of Seiko Men’s Two Tone Stainless Steel Solar Watch SNE032

This polished sophisticated style bracelet watch is powered by all light and generates a long power reserve for reliability. Battery not required and is water resistant.

  • Armitron Men’s Stainless Steel Watch- 20/5245BKTI

Armitron’s wrist watches are crafted in such a way that they are ideal for both Professional as well as casual settings. Bringing a dignified touch to any look this watch has a black dial color, with a gun metal stainless steel band .

The main takeaway is that there are plenty of watches to choose from and wearing a watch not only implicates your taste for finer fashion, but that you also value time- an important attribute in the modern world.

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