What should you look for in a forever home?

What should you look for in a forever home?

What is a “forever” home? The easiest way possible to describe a forever home is the property that you plan on making your last purchase. You might have a family that is growing up, you might have saved up all your life to finally retire or live in a home that you have dreamed about, or maybe you just want to plant your flag and choose to settle down to build a new family. Regardless of the reason, the final home is all about making it the big splash. It’s going to be the most expensive purchase you ever make in your life and thus, it should be considered thoroughly. It’s important to note that just because it may not be your dream home, doesn’t mean that it won’t be in the future. The key here is, buying a home that ticks all the boxes or very nearly does. From this platform and foundation you can then dedicate time and money to it which can create your true favorite home. But what should you look for in a final home to begin with?

 
Quality of the land

The land is probably the first thing you should inspect for it’s quality. Bear in mind that many of these large grandiose properties you will be viewing will be in the rural parts of the country. This means that the land might have previously been farmland, it could have been used to grow crops or feed cows and sheep. It might also have problems with animals that tear up the terrain such as moles or varmints. Some landscape just isn’t fertile and it could end up looking like a brown field rather than a healthy green. So go through the history of the land itself with the real estate agent.

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Travel distance

A final home doesn’t mean it’s your retirement home just yet. Your life will continue once you move in which means you need to see how you will get to and from work. A professional international realtor in this market such as Sotheby’s Realty will always make sure they know what the commuting options are for the property. They will check the availability of the trains, what kinds of back roads in the countryside can you use and or what kind of freeways are close by. However, these commuter-friendly homes might also mean that you will be living close by to a major city. If it’s seclusion you want then you should be prepared to make regular long journeys to and from your place of work.

Buy safely

Since it is the final home you’ll be buying and living in, you should make sure that the home comes with insurance. Since these homes can be worth millions they should usually come with a home insurance plan already attached or at least, able to be extended after the holder is changed.

The final home you ever purchase should be that which you can always build upon. So checking the quality of the land is the first thing you should do. Buy safely with an insurnace plan so your biggest purchase is not at giant risk.

5 things to expect post-birth

5 things to expect post-birth

There are so many baby books that will tell you how to prepare for a new baby, how to get your baby into a routine and what you need to buy in advance during pregnancy. One thing that the books breeze over is what you should expect after you’ve given birth – and not many of those books are entirely correct about the experience.

The true post-baby experience isn’t all sunshine and roses and it’s so important to know this as early as possible. You are going to be hit with an overwhelming experience of meeting your new baby, so before you experience most of the things that you can read about below, your first big hit will be meeting the person you grew from scratch. Let’s look at the five things to expect when your baby is born.

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You May Not Get The Rush. It’s something that shocks some women: they all expect the rush of love when they meet their new baby. The thing is, not every woman feels that right away. Sometimes, it’s delayed by medications in the system, sheer shock that a baby has just exited their body and the general ‘it has to sink in’ feeling! Do not worry if you don’t get that rush of unconditional love right away – it will come.

You May…Leak. Childbirth places a lot of pressure on the bladder and muscles that support the urethral tract. Leaking urine is not uncommon, it’s just not particularly pleasant! Seasoned mothers often find investing in a pack of adult diapers for the initial six weeks post labor an investment that’s worth its weight in gold. Expect to leak more than usual while your body puts itself back together, and be kind to yourself about it.

You Need More Pillows. If you’ve been through a c-section, you need more pillows. There is a chance you need to sleep propped up for a while, and you also need to press a pillow against your scar when your sneeze or cough so that you don’t feel like your insides are going to fall out! Pillows equal comfort; buy a lot of them.

You May Need Feeding Support. Speaking to lactation consultants while you’re still pregnant is a good way to get acquainted with those who know the ins and outs of breastfeeding. If you’ve chosen not to breastfeed, you still have research to do on the formula and sterilization methods of making up a bottle.

You May Feel Broken. Physically, childbirth is a slog. Your vagina is going to take time to heal and not feel so tender, so using warm water baths when you pee for the first few weeks can help. Your belly takes time to shrink down to normal, but it still may feel jelly-like for a while so supportive underwear is a must. Your boobs are in production, so they’ll hurt. Supportive nursing bras are a must.

Your whole body has gone through an ordeal – a natural one, but an ordeal nonetheless. Be kind to yourself with it and enjoy the rollercoaster ahead!

 

Choose the right car for your family

Choose the right car for your family

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Buying a car is bound to be a long and complex process. After all, this is likely to be the second most expensive purchase you make in your entire life besides the house that we actually live in. There are so many different factors to incorporate into your decision making process. You are likely to be concerned about aesthetics – how a car looks can greatly determine whether you want to be seen driving it or not and whether you want it parked in front of your home or not. You are also going to want to ensure that the vehicle is functional. But when you have a family, the number of factors that affect your decision making dramatically increase. But not to worry. Here’s everything that you need to consider in order to eventually purchase the perfect car for yourself and your family!

Why Have a Car?

Now, many people will wonder why they should invest in a car anyway. If you live in a city, there are generally highly efficient public transport options on offer. They can get you from one place to another at a relatively low cost. However, this is easier said than done with little ones around. Anyone who has had to deal with a toddler having a temper tantrum on a busy train amid the angry stares of commuters will be able to vouch for this. Even if your little ones are perfectly behaved from one stop to the next, chances are that you’ll have to walk a fair distance between your stop and your intended destination, and this can be relatively stressful if you have numerous little ones to move from a busy platform through a busy train station and to mind near roads en route. While public transport is cheap for one, prices get a little less affordable when you’re forking out for multiple people. If you have prams, it can be difficult to board and alight public transport. It’s also pretty difficult to hold all of your own and your children’s belongings without anything being left behind before you take any shopping bags into account by the time you’re returning. Put simply, public transport is just a little difficult with kids. When you have your own car, everyone can be seated and fixed in their seats securely. You have plenty of space for everyone’s belongings and anything you purchase. You can also head from just outside your own front door directly to your destination without having to walk long distances between different stop off points.

Choosing the Right Vehicle

So, if you feel like it’s time to choose a vehicle of your own, you’re going to have to go through a relatively rigorous selection process in order to find the right vehicle for your family’s needs. This will help to ensure that you choose the best car for your needs and preferences first time round, preventing chances of you having to trade your model in anytime soon. Here are some areas to focus on to help you to bag the best vehicle possible!

Price

Price will have a huge determining factor on the vehicle that you end up with. If you are paying for a car outright, take a look at how much your savings amount to. If you’re taking on a finance plan, make sure to come up with a budget that will cover the monthly finance payment (remember to include interest in this). You could save money by choosing a second-hand car over a brand new car. But you need to make sure that any second-hand car you consider is in good condition. You don’t want to purchase a vehicle only to find that it breaks down and needs expensive work carried out on it or costly replacement parts a few weeks or months later. Also, remember that the initial outlay of purchasing a vehicle isn’t the end of costs associated with having your own set of wheels. When you have a car, you also have to legally fork out for tax, MOTs, and auto insurance. The price for these services and policies will differ depending on the car that you have. So, once you’ve settled on a model, make sure to research the costs of these things for that exact vehicle and ensure that you can definitely afford them on a monthly basis or on an annual basis

Size is important when it comes to family vehicles. You need to ensure that there are sufficient seats for everyone to sit in if you head on a trip where everyone is coming along. You also need to ensure that there is enough room for baby seats and booster seats if you’re going to have them in your car. Another thing to consider is storage space. This generally comes in the form of trunk space – five door cars are relatively essential for convenient family use. Cars such a station wagons tend to have the most space in this regard and are definitely worth checking out!

Safety

While all new cars that are sold will meet safety standards, some cars are safer than others. You’re going to want the safest car possible in order to protect your little ones whenever you take to the roads. So, make sure to check safety ratings on different vehicles before you add them to your list of potential options. You can see the different safety checks that different makes and models of vehicles have gone through and check out their scores. Use this information to scale different sets of wheels up against each other.

Having a family vehicle really can make life a lot easier for you and your little ones. It offers convenience and it can save time on journeys. So, it’s definitely something worth considering. If you decide that investing in a car is something you’re interested in doing, the above information should, hopefully, help you to make the best decision possible!

 

3 major concerns when splitting up

3 major concerns when splitting up

Although it’s not the kind of thing you really want to think about very often, the truth is that many relationships do end prematurely, with around fifty percent of marriages ending in divorce, and it is something that is worth thinking about to some extent at least in order to understand it as well as possible. You should make sure that you are at least prepared for some of the bigger concerns, and that you know what they are and how you are likely to try and deal with them. If nothing else, this will mean that you are much more likely to know how to manage them, and that is something that you can certainly be pleased about. In this post, we are going to take a look at some of the major concerns you might have when splitting up with your partner, which you might want to think about.

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The Children

If you have children, then they will likely be the number one thing you are going to be worrying about. You don’t’ want them to be too affected, but once you realize that the relationship is working out, you don’t want them to be teased about anything either. It can be a heartbreaking situation when it comes to the kids, and you will find that it is a worrying thing to try and control and make right. One of the bigger worries here will be the question of custody, which is rarely cut and dry, and usually requires the involvement of a child custody lawyer or some other kind of legal professional. Make sure you are doing what is right by the children as much as possible, and that you are seeking to make things as easy for them as you can, while still respecting your own desires too.

Finances

As is often the case in life, the kind of momes when money becomes most prevalent is when you don’t really want to be thinking about something so trivial. But if you fail to take control of your money at this point, you could find that you are much worse off for it in the long run, so that is something to bear in mind as best as you can. Make sure you are doing whatever you can to make it fair for everyone involved, and where that is not possible don’t be afraid to get the law involved. Sometimes the law is actually exactly what you need to resolve a difficult situation, and when it comes to money that can certainly be the case, so remember that as best as you can.

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Living Situation

Finally, you will of course also need to think about the likely living situation for all of you, children included, and that is something that can be very hard to resolve. A lot of people struggle to afford living alone these days, and it might not be practical for you to move out of one another’s home for quite a while. You will therefore need to try and remain civil with one another while you get that sorted – which is in itself a very difficult thing to do.

 

Are you worried about these things when it comes to your teen?

Are you worried about these things when it comes to your teen?

As a parent, the worrying is never going to stop. It’d an start from the moment you get a positive pregnancy test. You worry about your pregnancy, what you eat and the actions that you take. The baby is born, and you worry about every cough, every temperature rise, and their breathing. You worry about first days of school, friendships, their eating habits, and as they get older, it only becomes worse as you begin to realize that you can’t always protect them from everything. There are common things to worry about when you have teenagers, here are some examples and how some of them may help them learn and grow as individuals.

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Social media access

One of the things that you can’t avoid as they get older, is there need and want to access to social media. They may have their friends going online, or they simply want to fit in. Some parents can worry about social media, as there has been a lot of negative press surrounding it, but actually, there can be a positive impact of social media as well. There is so much inspiration on there, knowledge and creativity, that teenagers can really find out quite a lot just through the power of people sharing. It is definitely something to think about.

The stress of exams

Exam stress can be a tough one, and one that you should definitely take seriously. There is much pressure put on young adults these days to gain qualifications and a certain level of results that the sheer thought of it can put your child under immense strain. Exams are something that you can’t avoid, and so finding great ways to handle the stress would be the best cause of action. It would be advisable to look for alternative ways to help them revise. Look at things that you can do as a parent to help. Encourage them to take regular breaks and time for themselves and assure them that they can only do their best. It is normal to worry about these things with your children, but if they feel like you are on their side, then they may be able to feel better about it.  

Too much screen time or gaming

Any parent who has a teenager will know that these days they can spend more and more of their time on games. This could be engrossed in games consoles, their phones or watching endless YouTube videos of other people playing games. The amount of screen time these days has grown, and while it can be a worry, there is also a lot of good to it. You are totally normal to worry about these things, and as long as you know that the screen time is limited and mixed with other activities like reading or spending time as a family then there is nothing to worry about.

The peer pressure they could face

Finally, a child can face peer pressure at any age, and it can also be quite worrying that you think they will feel pressured to do things they don’t want to do. Education and communication are key here. Of they feel they can confide in, you then you can help to steer them in the right direction.

Sometimes sharing your worries can help you to feel more at ease with them.

 

How to stop worrying about your family finances

How to stop worrying about your family finances

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When you have a family, it’s safe to say that you’re always going to worry. But isn’t it nice to be able to worry about some things and not others? It’s definitely better to be worrying about where homework books have been left or what kind of outfit your child should wear for picture day, than how you’re going to pay your bills next month. But that’s the thing with family finances, they can be really easy to worry about. When you’re not sure that you can make ends meet, or you feel as if you just aren’t managing what you have well enough, it can stay on your mind. It’s something that can keep you up at night. So maybe it’s time to actually work on managing your finances so that you no longer have to worry.

Track Everything

To start with, you are going to want to start tracking everything that you spend. If you are worried about your finances, then you need to know where everything is going. Don’t worry so much while you do this, just keep your receipts and then look to check it all at the end of the first month.

Create A Better Budget

As you’re tracking everything, you might find that you need to be a lot more strict when it comes to what you’re spending. And this is why you need to put a family budget in place. Really start to allocate limits to each area of your financial life, so that you can keep a closer eye on where your money is going.

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Cut Out Anything Unnecessary

Now, you can start to cut things out. If you know that you’re spending too much in a set area, then it’s time to cut out unnecessary purchases. You might be able to bring your bills down and even cut out things that you don’t need altogether to make your finances more manageable.

Boost Your Income

The next move from here is to think about how you’re going to be able to make some more money to be able to help your situation. Because it’s not always easy to earn more money in your current job. Or if you’re a stay at home mother, you might like to work out how to boost your income from home. And you may be wondering how to make easy money online to get started. But there is a range of ways, from blogging to surveys, that can help you to boost your income.

Plan Ahead

But then also, you might not want to stop there. Because this might not be enough for you to feel as everything is on top of. You might want to start planning ahead too. If you have money behind you, you may then start to feel covered should anything go wrong. And you’ll have peace of mind that you shouldn’t find yourself in a bad situation again. So see if you can work in some savings to your budget so that you have a bit of a financial safety net behind you.

Declutter your home in time for Christmas!

Declutter your home in time for Christmas!

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Christmas is on the way! Woohoo! But is your home ready for the festive season? Considering the extra toys and games your children will be receiving from Santa, and thinking about the visitors you may have stepping over your doorstep; you really do need to think about having a decluttering session now to get your home ready. You will have greater peace of mind (and more space) if you do!

So, where do you start?

Create a sorting system

For your smaller items, use a three-box system, labeling each with ‘keep,’ ‘sell,’ or ‘recycle.’ This is a helpful way to guide your thinking. When thinking about what to keep, ask yourself these questions.

When did I last use it? (If you have rarely used it, it may not be worth keeping).

Does it hold sentimental value? (You might want to keep nostalgic items).

Do I have a duplicate? (If so, you probably don’t need a copy).

Do I need it in my life? (If it holds no benefit at all, then you probably don’t need it).

After asking yourself those four questions, you should be able to sift through what you own. Should you sell anything, do a price check online to make sure you get the best possible price for your unwanted goods. And remember, you may have something collectable, so it’s always worth finding out before you sell something too cheaply.

Think about your larger items

From surplus coffee tables to pieces of equipment that are no longer functional, consider what you might do with them. You could sell your furniture online, using such online marketplaces as Eames.com – check here to learn more – or by donating any pieces to local charities who will sell the furniture on at discount prices. And for any equipment that is no longer functional, recycle them at a plant near you or sell them on the classifieds to anybody looking for scrap parts. By getting rid of any of these items, you will instantly create more space in your home for the festive period.

Speak to the kids

You don’t want to upset your children by getting rid of their precious possessions, so have a word with them first. Implement the sorting system we described earlier, and remind them (should they kick up a fuss), that they do need to make room for the new toys and games that Santa will be leaving under the Christmas tree in the coming weeks.

Invest in more storage

To keep a tidy house over Christmas (and beyond), invest in more storage to both manage anything you intend to keep and to store any new items coming into the house. New toy boxes for the children will come in handy, as will new clothes and shoe racks to manage the fashion you may have put on your Christmas list. And if you are struggling with a lack of space, use these storage hacks to help you manage both your old and new belongings.

Finally

A clutter-free home is a stress-free home; just the thing you need this Christmas season. We hope you found our ideas useful, but let us know what you think, and gift us with your decluttering tips if you have any. Thanks for reading, and oh yeah… happy Christmas!

Are your kids all tied up?

Are your kids all tied up?

The moment you become a mother, you need to impart a whole wealth of knowledge. That child is a sponge. You need to make sure they absorb everything from how to walk and talk, to how to identify shapes. Even once they’ve grasped the basics, there are more lessons to learn. When they’re older, they need to learn how to get dressed and, what we’re focusing on here, how to tie ties and shoelaces.

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Both of these stumps every child at some point. They’re tasks we take for granted but they’re actually pretty complicated. It’s no wonder, then, that they’re difficult for little brains. Most parents praise velcro shoes and elastic ties. But, there comes a time when your little one will need to learn how to do these things for real. At the very least, they’ll want to follow the lead of other kids in their class. And, when that time comes, it can be difficult to know where to start. After all, these are things you’ve been doing without thought for years. Knowing how to pass that knowledge on can be tricky. Lucky for you, though, we’ve got some pointers which could help.

Remove alternatives

We get it; you’re a busy mom, and taking time out to teach things like this isn’t easy. Hence why you reach for alternatives rather than tackling the teaching task. The trouble is, substitutes don’t teach anything. Quite the opposite. If your child uses velcro shoes, they’ll never learn how to do their laces. If they slip an elastic tie over their heads, they’re not going to understand how to tie one. What’s more, having these options will stop them from even trying. The answer? Take away the alternatives, of course!

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Use rhymes

With alternatives out of the way, it’s time to find easy ways to teach those valuable lessons. One of the best options here is to use rhymes. Parents have been doing this for goodness knows how long, and with good reason. Kids seem to learn well with the help of rhymes. For one, these take the menace out of those kids ties and loopy laces. They’re also a fantastic way to ensure your child doesn’t forget the steps they need to take. There are many rhymes already out there you could use. Or, you could make up your own. Either way, this method is sure to wiggle into your child’s memory and make for long-lasting lessons.

Practice makes perfect

The last thing to bear in mind is that practice makes perfect. There are few children out there who will be able to do this after their first lesson. What’s more, expecting them to do so could lead to their feeling disillusioned with the whole affair. Instead, make sure they know that it’s okay to take their time with practice. It may take them a week or more to get right, but they’re sure to get there eventually. The more they practice, the more chance there is of your lessons sticking!

 

3 Steps to enhanced peace of mind for your family

Peace of mind is inherently valuable. It allows you to go about your everyday life with maximum efficiency and confidence, safe in the knowledge that the things that matter are safe and protected.

If you’re looking to introduce more peace of mind into your life, here are three simple steps that can help accomplish this goal.

#1 – Invest in home security

We all want to feel safe in our homes, so home security is a worthwhile investment that protects you, your family, and the items in your property. A good home security setup comprises of an alarm system first and foremost; if you already have such a system, schedule a service to ensure all is working well. If you don’t have an existing alarm, consider getting one – they really are worth it, given the enhanced security protection and the resulting benefits to your own peace of mind.

#2 – Look for natural products wherever possible

We’re constantly bombarded by health scares regarding everyday products and items, with products such as scented candles and mattresses now linked with potentially harmful side effects. To avoid any future panics, it’s often best to focus on simple, natural products wherever possible – the fewer ingredients, the fewer possibilities for future worries about health consequences.

#3 – Opt for life insurance

Life insurance is the defining insurance product for peace of mind, providing the ultimate reassurance that your family will be well cared for and protected whatever happens in the future. If you have never purchased life insurance before, the infographic below is a great starting point that can help you decide just how much life insurance you need, and you can then explore policy options to suit.

 

Infographic Design By How much life insurance do I need

 

 

Transform your family into a financial dynasty

Transform your family into a financial dynasty

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Businesses and entrepreneurs often write down what they hope to achieve in the future. It’s a reminder of why they work so hard towards their goals, and it’s seen as perfectly normal. But when family members try to do the same thing for their kin, all of a sudden it seems weird. Families are supposed to be informal, so adding a layer of official paperwork goes against the grain.

It turns out, however, that families that adopt a business mindset tend to do better. They are more explicit on what they want to have in the future, and how they want to get there. And they have a sense, financially, about how they are going to achieve it.

When Robert Kiyosaki wrote Rich Dad, Poor Dad, he intended to educate the leaders of families on wealth acquisition. When whole families work together toward the same monetary goals, they often end up getting there more quickly.

So what can you do to improve your family’s prosperity and turn yourselves into a financial dynasty?

Allocate Time And Workload

Have you ever wondered why people today are so much wealthier than people who lived in the past? Although technology played a role, most of it comes down to specialization: people doing the same tasks over and over again at high efficiency.

You can apply the same principles to your family. Think about where you should focus your family’s resources for maximum return. Could you, for instance, benefit most from putting money into your children’s education? Would you be better served giving capital to your offspring so that they can start their own profitable businesses? How about paying a bit more money to live nearer to an industry in which you have significant skill?

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Don’t forget to treat the process as you would any project in business. You’ll need to keep track of important milestones to make sure that you’re achieving your goals in good time. And you’ll want to track your financial return over time to figure out whether you made a good investment decision.

Many families want to stick with their old routines. But doing so can be counterproductive, especially when an opportunity comes knocking. Only families who are prepared to break out of the mold make genuine progress in their quest for wealth. Just doing the same thing over and over again is unlikely to lead to a breakthrough.

Set Goals Together

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For financial transformations to work at the family level, each person needs to feel as if they have a say in the direction. That should include children as well as parents.

When businesses discuss their plans, all of the owners discuss them together. They work out what they want to produce, who to sell to, and how many people they need to employ. Families also need to go through a rigorous process to discover what each person wants.

Remember, it’s not always about just acquiring wealth. As any wealthy person will tell you, money doesn’t make you happy, and nobody gets rich by just focusing solely on their bank accounts. Moreover, it’s about the process: having a passion for what you’re doing and doing it well.

Families, therefore, need to concentrate first on what is important to them and then money afterward. Often money is the result of serving others, and so if your family become useful in the world, then it will generate piles of cash as a byproduct.

Make Timely Investments

One of the reasons that services like OnlineCash4Payday® are so popular is because they give families the flexibility to use capital as they please. Many families are financially conservative with their resources and miss out on opportunities to magnify their wealth.

Let’s go into a little more depth. The average family tends to save money by depositing it in a savings account with the bank. Because interest rates are so low and banking fees are high, the actual interest returned is often in the region of 1 to 2 percent, and sometimes less. But savings account, although easy and secure, are by no means the best way to generate significant capital for the entire family.

Take corporate bonds for instance. These are widely considered to be relatively safe because even if a company fails, it’s the bondholders who get paid off first, not people who hold shares. In most cases, companies repay the loan and interest, but even when the company fails, many bondholders get their money back. What’s more, interest rates are in the 5 to 7 percent, meaning that there is genuine scope for compound growth, year after year.

Shares are the highest risk, but families could do even better here. A family that invested $1,000 in Netflix ten years ago would have more than $60,000 in their brokerage account today. Finding these opportunities can be difficult, but it’s well worth it. What are your children and their friends interested in right now? There’s a good chance that the company behind it is one to buy for the future.

Put Values Front And Center

Top businesses often talk about the value of “company culture.” Company culture, however, is just a euphemism for values: things that the company won’t do in pursuit of profit. Families need to apply the same concept: what are they prepared to sacrifice in pursuit of wealth, and what are they not?

Most families, for instance, are unwilling to sacrifice time together purely to get more money. What is the point of money if you have no time to enjoy it together? Some families will also avoid taking opportunities that involve moral compromise.

The key here is to make sure that there is an open dialogue between all family members. Ensure that values do not conflict and find out how each person wants to share the wealth when it comes. Often discussing values leads to new inspiration and understanding of one another.

Create A Mission Statement

The vast majority of companies have mission statements. Most are uninspiring. They merely describe what the company hopes to achieve. The most interesting, however, are those that invoke values or describe a vision.

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Take Alibaba, the Asian rival to Amazon. Their mission statement is “to make it easy to do business anywhere.” Forbes, the online news site, says that they want to challenge people with exciting and new ideas every day. Finally, Sony doesn’t want to sell you new electronics; they want to fulfill your curiosity.

Mission statements can be powerful when done correctly. So which mission statement should your family choose?

Perhaps the best mission statements are those that contain an element of gratitude. Yes, you want your family to be financially successful, but you also want to bring them closer and be happy together. Gratitude is an excellent way to do this. You could be grateful for your good fortune, and the opportunities you now have that you didn’t get in the past.

Writing down your mission statement and displaying it prominently can also make a big psychological difference. It doesn’t have to be overbearing, just something in the background that reminds all members of your family what you’re striving to achieve every day.

One Final Point …

Becoming a financial dynasty is a challenge. It’s not something that every family is cut out to do. But with persistence and determination, your family can work together to achieve its financial goals. Being wealthy is about more than budgeting properly or getting a promotion: it’s about having the right vision and working together with other people to achieve it.