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What should I do with my tax refund?
Do you remember the good old days when spending our tax refund frivolously wasn't such a big deal? Our jobs were stable, house values seemed to be on a never-ending climb and the stock market was booming. Things were looking pretty good. Well, we are all feeling a little less wealthy these days; our portfolios have been beaten up, the wealth in our homes have taken a blow and on top of all that, we are worried about our jobs and the stability of our income. There is a lot of insecurity or fear out there and so spending our tax refund on a great vacation or a new flat screen TV may not be the most financially savvy thing to do. So what should we do with this year's tax refund- spend it or save it, invest it or splurge?

What should I do with my tax refund?
Do you remember the good old days when spending our tax refund frivolously wasn’t such a big deal? Our jobs were stable, house values seemed to be on a never-ending climb and the stock market was booming. Things were looking pretty good. Well, we are all feeling a little less wealthy these days; our portfolios have been beaten up, the wealth in our homes have taken a blow and on top of all that, we are worried about our jobs and the stability of our income. There is a lot of insecurity or fear out there and so spending our tax refund on a great vacation or a new flat screen TV may not be the most financially savvy thing to do.

Other house values Related Articles

Its All About Values
Whether you recognize it or not, values are at the heart of what you’re doing and where your business is headed. Think of it as being like gravity. Whether you believe in the concept of gravity or not, it is going to impact everything you do without regard to your belief. We are all driven by our values, so, it only makes sense to figure out what your values are and then see how they match up with those of your employees. Of course finding out what their values are is another story that requires yet another type of effort. For now we will just look at YOUR values and those of your company.

Bumping Into Your Organization’s Values
If you asked employees to recite the organization's values could they? More importantly do those values instantly determine their course of action? This article will help you better integrate your values into the culture.
Discovering and Living by Your Core Values
Core values are essential to keeping your life on track. Do you know yours? Most don't! Would you like to know yours? Here are a couple of quick ways to help you get started in discovering your core values and help you hammer them into a values statement:

How do you create corporate values?
How should the corporate values be created? Where do they come from? Can the brands a company has have their own values? Can these extend the corporate core values? Where do the brand values come from? Pasi, Sales and Marketing Executive Finland
Some Common Misconceptions about Values
Although values are at the core of leadership, many people may not be completely faithful to the notion of leading according to their personal values. Oftentimes situational demands and inter-value conflicts can cause leaders to spend considerable amounts of time of doing non-values related activities, and doing so can result in diminishing levels of effectiveness.

How great leaders use values to drive performance
Great leaders instinctively know the importance of values. Values create the organizational culture. When articulated and implemented consistently, values reduce the need for close supervision, engender trust and co-operation with suppliers and customers, and raise performance. Great leaders recognize this. That is why they commit substantial personal time to articulation and implementation of values. They are also good at mastering paradoxes of values.
Living from our Higher Values
The basics of human behavior requires that we live to our highest values, thus in so doing we are congruent with our true selves. Higher values always dictate to us from within whereas our lowest values are motivated from outside forces. When we live to our higher values we will operate/work spontaneously, we will be working on what we love and we will have a smile on our faces. We will be self-driven when aligned with our highest values. On the other hand, when we are operating from without, we need constant motivation and push. Our days are a “drag” and our whole lives can be described as “unlived lives” in that we are not doing what comes naturally to us. When we set goals aligned to our highest values we are inspired and will succeed.

Idealism AND Pragmatism
dealism without pragmatism is like a beautiful house on paper. It is nice to look at and dream of, but it does not manifest itself into physical reality. Pragmatism without idealism is like putting a house together without a design, it serves some purpose in the short run, but does not create lasting values. As Victor Hugo put it, it is by the real that we exist, and it is by the ideal that we live. As human beings, we obviously need both: to exist and to live. To create a meaningful and fulfilling life, we need both ideals AND practicality.

Leadership Truth #1 - Great Leaders Operate from a Set of Values
Values are the underpinning of everything we do. Great leaders have a concrete set of values that they operate from on a daily basis. Where do these values come from?
Pathways and Pitfalls to Clarifying and Living Personal Values
Develop a comprehensive list of all possible personal values. Now rank each one as "A" (high importance), "B" (medium importance), "C" (low importance). Review your A and B values. Are there any that you feel are essentially the same value or one is an obvious subset of the other? If so, bring them together and rename it if necessary. Rank order the remaining list from highest through to lowest priority. You should now have your top five core values. Focusing on your core values: o Ask yourself whether these are your true, internal "bone deep" beliefs or an external "should" value. These are very tough questions to answer. We often don't recognize a lifetime of conditioning that has left us with other people's belief systems. Replace any "should" values with your own.

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