How would you like to track gasoline prices on your own and save money at the pump 24X7? There’s a way to determine how gasoline prices are trading in the futures markets so that you can predict what will be transpiring at the pumps. By making yourself more informed you can empower yourself and save alot of cash over your lifetime of commuting.

Step 1

Why

should you inconvenience yourself by tracking gasoline futures prices? You should track these prices because it directly impacts you every time you fill up your car at the gas pump. The futures prices are the driving force behind the prices at the pump, so if you track these futures prices you’ll be ahead of the game.

Step 2

How can you track gasoline futures?

Websites

like Bloomberg and CNN Money both have commodity futures pages where you are able to track these prices. The prices are delayed by about 30 minutes or so. On this same screen you’ll be able to also view the prices of natural gas, crude oil, heating oil, and other commodities. I have included links to both of these internet sites in the resources below.

Step 3

How

long does it take for these changes to hap at the pump? More often than not if gasoline futures trade significantly lower one day on the market, you can expect prices at the pump to move lower within 10 days or so. Plan your purchases accordingly and you should be capable of saving some serious money at the pumps.

Step 4

Why

is the price of gasoline futures so different than the cost at the pump? For instance, the price of unleaded gasoline futures may be $2.50, but the price at the pump may be $3.40. The difference here is largely due to taxes. In general it can be expected that the average pump price should be somewhere between 70 and 90 cents above the futures market price.

Posted via web from Easy Living Sherpa

Posted via web from Easy Living Sherpa

Americans are choosing credit cards over money when it comes to paying up the almost $300 billion they mop up annually in medical charges — the principal cause of bankruptcy — every year, CNNMoney.com announced earlier this month. The result is customers are only sliding down deeper into debt as they attempt to keep themselves healthy enough bring in more money to pay off the credit cards:

“Out-of-pocket health care spending was already increasing in good times,” said Bruce Carlson, publisher with health care market research firm Kalorama Information. “Now with high unemployment, consumers have to reach into their pockets even more to fund their health care.”

The story continues to state customers are also passing over their bills altogether, furnishing hospitals and physicians all the more willingness to accept credit card payments. Which is fantastic for credit card companies, besides the fact that they’re clients are failing on their immediate payment  more often.

Can’t pay your doctor? Charge it!

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How to Stop Obsessive Worry

Most people worry about things occasionally, which can be useful in situations such as planning for the future, preparing for a test, or checking things before a trip. However, when worrying becomes unproductive, excessive, or difficult to control, it may be pathological. Difficulty controlling worrying is what distinguishes pathological worry from the normal kind of anxiety that most people experience when they prepare for an important event or challenge. Pathological worrying is sometimes described as obsessive worrying. Obsessions are intrusive and mostly nonsensical thoughts, images, or urges that a person tries to control, resist, or eliminate. In other words, an obsession is a recurring thought, such as worry, that outweighs any other thought. In order to cope with the weight of obsessive worry, psychologists have identified several cognitive-behavioral activities that can be useful in reducing the frequency and intensity of obsessive thoughts. Some of the following ideas have been summarized from The Anxiety and Phobia Workbook (Bourne, 1996).

Obsessive worry is like a negative spiral.

The longer you spend time with an obsession, the deeper into it you can get. A mental obsession can also be viewed as a form of trance. The more you induce it by repetition, the more entranced you become and the more difficult it may be to “break the spell.”

The downward pull of an obsessive spiral can be very compelling.

Following the path of least resistance is likely to keep you going round and round until you are eventually feeling down and out. Deliberately choosing to break out of the obsessive thinking may be difficult at first, especially if you’re highly anxious. With practice, it will get easier. Below are some examples of alternative activities and experiences that will help you shift your mind away from obsessive thinking.

It takes a deliberate act of will to stop obsessing.

You need to make a deliberate effort to move away from circular mental activity and get out of your head by “shifting gears” to another modality of experience, such as bodily activity, expressing emotions, interpersonal communication, sensory distraction, or a specific ritual. In some cases, an alternative, positive obsession may help. For example, the vicious cycle of negative worry can sometimes be replaced by positive obsessions such as uplifting thoughts, affirmations, or slogans.

Find an alternative positive obsession.

In addition to focusing on uplifting affirmations or slogans, there are other types of “positive obsessions” that can be helpful. For example, try working out a crossword puzzle, performing a jigsaw puzzle, or even studying or writing.

Engage in physical exercise.

Although difficult at first, engaging in physical activities may help you break the obsessive cycle. Physical activities can include your favorite outdoor or indoor exercise, dancing, walking, or household chores.

Use visual and sensory-motor distractions.

Find an enjoyable activity in which you can “lose yourself” in the moment of the activity itself. Effective distractions can involve your computer, television, movies, video games, uplifting reading, or even a rock garden. Spend some time engaging in with arts and crafts, repairing something, or gardening. Any healthy activity can be useful if it is one in which you lose track of time while engaging in the experience of the activity.

Listen to evocative music to release repressed feelings.

Repressed feelings–particularly dysphoric emotions such as sadness or anger–may underlie and “drive” the obsessive thinking. Music may help you get in touch with your feelings that are below the surface of your obsessions.

Talk to someone.

Use the old adage, “Don’t worry alone.” Instead, talk with a trusted person about something other than the worry, unless you want to express your feelings about it. People who engage in obsessive thinking tend to focus on their thoughts rather than their feelings. If you can learn to share your feelings, it may help dissipate your obsessive thinking.

Use visual imagery.

Some research suggests that chronic worriers are people who engage in frantic, intense thought processes without accompanying images of the threat (Borkovec, Shadick, & Hopkins, 1991; Roemer & Borkovec, 1993). In other words, chronic worriers may think so hard about upcoming problems that they don’t have any attentional activity left for the important process of creating images of the potential threat. With the help of a psychologist, you may be able to learn how to form mental images associated with negative affect which, paradoxically, can be processed in a way that helps reduce anxiety and worrying.

Use progressive muscle relaxation.

Progressive muscle relaxation is a stress management technique by which you can learn to reduce anxiety by learning how to relax the muscular tension. It can be done alone or in combination with abdominal breathing, which means breathing fully from your abdomen or from the bottom of your lungs. It is the reverse of the way you breathe when you’re anxious or tense, which typically involves breathing that is shallow and high in your chest. Practice progressive relaxation for 5-10 minutes until you feel fully relaxed and free from obsessive thoughts.

Practice healthy rituals.

Combine abdominal breathing with a positive affirmation that has personal significance. Keep this up for 5-10 minutes, or until you’re fully relaxed. This type of activity can function as a positive trance induction that can overcome the negative trance enforced by the obsessive worry. For example, an affirmation can involve a statement such as “These are just thoughts” or simply “Let it go.”

Consider meditation procedures.

Although many of the above procedures focus on avoiding obsessive thoughts, psychologists have also developed some meditational approaches that focus on acceptance rather than avoidance of distressing thoughts and feelings (Roemer, Orsillo, & Barlow, 2002). Meditational procedures help people learn how to be more tolerant of these feelings which, contrary to common sense, can sometimes help a person reduce their obsessive thoughts.

Consider medication consultation.

Although beyond the scope of these self-help techniques, there are some medications that have been shown to be useful in the treatment of anxiety conditions such as obsessive-compulsive disorder. However, it is important to remember that “pills are not skills.” If regular practice of the above skills does not seem to help control your obsessive worries, it may be helpful to arrange a consultation with a board certified psychiatric physician concerning the benefits and risks of psychotropic medications.

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I particularly like the “celebrity debt section and was surprised to see Senator John McCain on the hit list. Just goes to show that even the wealthy are not as debt savvy as they’d like us to believe. Though the Blog is a fairly new startup I do see a lot of potential here, as the writer is clear and concise in his formulations. Given time and more content I see a clear winner in the making. Bookmark it!

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