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Rick Saldan is an excellent
inspirational speaker who tailored the seminar to the needs of the
individual students being instructed. This office thanks the Mayors Office
of Information Services for having such a vendor.
Timothy K. Lynch
Office of Fleet Management
City of Philadelphia
Rick has a magical approach that provides a clear and
concise message specifically designed to the needs of his
audience. Rick will provide all the motivational magic you
will ever need, propelling your organization to the next
level of greater success.
Thomas Mulhern
Frontier Communications
Rick Saldan is a compelling and absorbing motivational speaker and
magician.I have been to five of his
Motivational Magic presentations and it is amazing how he keeps our
college audiences on the edge of their seats.
A highly entertaining performer with great comedy flair. Rich content to
increase students' productivity, peak performance and motivation. If you
need an outstanding motivational speaker for colleges, Rick is definitely
one of the world's greatest speakers and magicians!
Dr. Rob Gilbert, Sport Psychologist,
Montclair State University
Rick Saldan has the wit, wisdom and sorcery of a wizard. He
has a dynamic personality, and all will enjoy his
captivating stories, comedy and magic!
Dennis Slaughter
Credit Suisse First Boston
Rick Saldan delivers a first-class show! A pro in every
sense of the word. Funny, unique, entertaining and polished.
Brian Letscher, Actor
Hawaii Five-O, NCIS, Cold Case, Law & Order and The Mentalist.
Rick Saldan is a wonderful combination of master magician, comic
improviser and first class speaker. The audience loved his program, which
was music to our ears. If you love celebrity motivational speakers such as
Tom Hopkins, Dale Carnegie and Zig Ziglar, then you'll love Rick!
Dottie Burman, President
Burtley Productions, Inc.
Rick Saldan
is an incredibly talented performer and motivational speaker with great insight. He shares many powerful
motivational messages that will enhance your life for the better!
Jack Murray, President
Dream Illusions
Rick is one of the best inspirational speakers on
the scene today. Funny, fun loving and highly energetic. If you want to
make your next event into an extraordinary one, then invite professional
speaker Rick Saldan and his amazing Motivational Magic.
Andres Lara, President
Inspiration Times Magazine
Why You Should Use Multiple Bank Accounts Author: Andrew Peacock
Many people who successfully manage their finances use multiple bank accounts to do so. Here are some of the benefits and advantages of doing so.
* Seperate Money for Bills from Slush Funds
To handle your money (and particularly your credit rating), it is essential that you know you can pay your bills completely and on-time. When you receive your pay-check or other regular income, ensure that you immediately get your slush-funds transferred into a seperate account which you then draw upon for day-to-day costs. This will leave your bills money safely tucked away in an account which you do not access on a normal day, and you can ensure that the money will be there for when the bills come in.
* Pay All Bills using Automated Transfers
If you know that each month, you have exactly the money you need to pay your bills, then use automated transfers (direct debits, standing orders, etc) to transfer the money from your bills account once per month, without you having to do anything about it. If you can make this account fully automated, so ALL your bills are paid without your intervention, then you wil be well on the road to being able to take charge of your finances.
* Manipulate Interest Rates on Overdrafts
If you have an overdraft, then it makes sense to make any interest charges on that as low as possible. So, you could you have your income going to an account in one bank, which provides better interest savings (you are using internet banking, aren't you?). Then you could transfer your slush fund money into an account which charges low interest rates for when you are overdrawn. This latter account could be in a different bank altogether.
* Aid Your Concentration
If all your living expenses and bills are automatically handled, and seperate from your slush funds, then you can forget about them, leaving your mind clear to concentrate on the money that flows in and out of your hands each day. Often, it is this (literal) cash flow that causes people who have been having financial difficulties, not the payment of bills. Usually, getting control of day-to-day expenditure is the biggest single difference you could make to your financial health, and if you can place all of your concentration on this specific section of your finances, rather than having to juggle monthly bills, shopping, travel costs, unexpected bills, and so on, you can make great advances in your behaviours.
* Define Your Net Worth Each Month
By paying all your bills from one account, you will develop much more clarity over how much you earn, how much you need to barely survive, and how much you use on the little luxuries of life. (I know, a new suit or a new dress is absolutely essential right now - but couldn't you do without it for just another month???)
On a personal note, this is the one thing I have done that has made the biggest difference in my own financial history. All my bills are paid, on time, and in full. Yes, there is a move towards unified accounts on some areas, where your mortgage, savings, and current account are all in one account, thus increasing the interest you earn to the maximum, but doing this could result in more difficulties if you cannot juggle your finances correctly. Get back on your feet first, then learn to run!
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Find more articles and ideas on improving your personal finances at Take Charge of Your Finances http://www.takechargeofyourfinances.com ----------------------------------------------------
