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In a previous article, I pointed out that coming up with the funding to support commercial real estate purchases may be both intimidating and even prohibitive for many real estate investors.
If this scenario rings true for you, then you might consider something a little more basic to help ... Views: 1816
Are you living "in-between times?" Are you living in a gap and not sure whether you should look back or move forward? For example, are you in-between jobs, in-between relationships, in-between major holidays when nothing gets done in the workplace or in-between the ending of the old year and the ... Views: 1251
As Christmas quickly approaches again – it might be worth thinking about some balance.You have the initiative to reinvent your lifestyle outside the 9 to 5 box. Focus on escaping the cubicle mindset. Imagine saving time on travel, For some people, this can represent up to 2-3 hours a day ... Views: 1036
Opening a Health Savings Account can help participants to save money in more ways than one. Many people think that Health Savings Accounts save money by helping them reduce their annual income tax burden. Other people think that opening Health Savings Accounts help to save money by allowing them ... Views: 1047
Financial Excellence combines the two essential components of mind management and money management. Do you have a focused and creative mind + financial intelligence?
Money management is all about what you do with your money and mind management is about what you allow money to do to ... Views: 1129
Thank God it usually takes time to get rich. Those who are overnight sensations often go bankrupt. Well, often enough to worry those of us who plan to get rich, slow or quick. Still, lottery winners and those who have received large inheritances have squandered their wealth often enough to have ... Views: 900
What is Freedom Worth
by Rusty English
Its not that I don’t have times where I really feel free to do what I want to do. Its not that I am not productive with my everyday activities. Its not that my chosen profession is boring or mundane.
Its been a while since I drove a long distance run. ... Views: 1610
Early 401k Distributions by Peter Richon
For one of many various reasons, lots of people find themselves accessing their tax-deferred retirement savings accounts before the age of 59 & 1/2. For some, they need to money to pay off debts or to cover living expenses. Others would like to help ... Views: 3248
There are several ways to make extra money. The means through which you accomplish this pressing necessity are completely up to you. Accomplishing this goal depends on how much money you want to make, what resources you have available to you and of course what you are willing to do. There is ... Views: 1131
March 31, 2009
By JD Messinger
Six months ago a muscular thug by the name of Ike comes barreling into Houston, Texas, bringing two cohorts in tow, wind and water. With complete disregard to universally accepted principles of accountability and responsibility, Ike and the gang fiddle with ... Views: 1591
From the risk of redundancy to the tightening of credit lines, there is no doubt that times are tough with many of us now facing our own ‘personal recession’. In the backdrop of this global economic downturn where we have all been affected in one way or another, how can you regain some element ... Views: 759
Accounts are the building block of all the businesses. No matter the business is small or huge; a requirement for proficient accounting system always thrives without which a business cannot operate smoothly. It is largely the accounting department’s accountability to update all the records of ... Views: 885
Question: I’m getting closer to retiring and everything I read says I should get more defensive in my portfolio. Does this make sense for me?
Answer: It depends. How is your portfolio allocated now? Do you own mostly stocks or do you have a lot of money in bonds and CDs? What’s your ... Views: 1593
In all probability you looked at all your possible alternatives and determined that bankruptcy was the only way to go. So now, all the papers have been filed, your slate has been wiped clean and you are ready to start all over, without making the same mistakes you did the first time around. But ... Views: 745
Black Friday-the day the retailers look forward to all year long. The Friday after Thanksgiving gives all the retailers a chance to celebrate or suffer, as it frequently sets the tone for the holiday’s profits or losses. Last year saw a drop in holiday spending as the recession took hold, the ... Views: 857
A Health Savings Account is a type of health insurance plan that allows individuals and families to reduce their annual incomes while, simultaneously, storing money away that they can use to pay for qualifying medical expenses. Much like an IRA, the money that an individual saves in a Health ... Views: 1326
Many problems may arise when you find yourself with bad credit. While some credit options may be available, many of us end up with no options at all. A lot of people assume that their bank accounts are directly linked to their line of credit which is not usually the case. Checking accounts are ... Views: 781
It is no secret that property markets, in fact all economic markets, are driven by fear and greed.
During the last property boom greed was the dominant driver, but things have changed and now it's all about fear. Fear of a recession, fear of taking on more debt, fear of investing because the ... Views: 2137
As our economy moves forward and a new property cycle begins, fortunes will be made by some group of investors. But if history repeats itself, many property investors won’t get the financial independence they deserve, so I want to share my time tested golden rules of property investing so you ... Views: 2854
History of Accounting
Beyond Luca Pacioli
In 1543, it is believed that the first book on accounting to be published in English was by John Gough. Entitled “Debtor and Creditor”, it was portrayed as “A Profitable Treatyce”.
In 1588, John Mellis of Southwark published a book which ... Views: 1802
Strategies to Keep More of What You Make
Well, the year is coming to an end and many business owners are meeting with their accountants and tax advisors to figure out how to reduce that inevitable income tax burden coming in April. Here are a few strategic ways to keep some more of that money ... Views: 980
Remortgage deal is the deal on the existing mortgage deal. These deals are taken by the borrower to pay off the old debts if one was not able to pay off the earlier deals because of the higher rate of interest. Then under these circumstances the remortgage deals is the best way to cope up with ... Views: 769
Bankruptcy! That word sends chills up the spine. If you're facing the panorama of bankruptcy or in the middle of it right now, you know it's a living nightmare. It can devastate your job, destroy your marriage and steal your peace of mind. Although there may be extreme cases where bankruptcy is ... Views: 946
Success should be consistent in our lives so that we can become real role models. I hate entrepreneurs who make some dollars this month, and then made nothing in the subsequent month. This ought not to be mentioned in our online activities as internet marketers.
Affiliate business I believe ... Views: 1383
The current recession has proven that just having a job is not enough anymore. Millions of people around the world have lost their jobs and now have no income stream. Multiple streams of income is the safest way to ensure you and your family’s financial health. In good times, you’ll have ... Views: 1354
2 Financial Planning Strategies that can stop the waste of your wealth
Are you where you want to be financially? Or are you moving in the right direction at least? Chances are that you're not there yet, or at least not getting there as quickly as you'd like. Read on for two more keys to ... Views: 868
The beauty of the internet is also the curse of the internet. It can be summed up in one word-speed. The good news is that I can get to anyone’s website in the proverbial blink of an eye. The bad news is that I can leave in the same amount of time.
Thus the challenge for any website is to ... Views: 806
Why You Should Treat Your Household like a Business
Do you treat your household like a business? Maybe you feel that treating your business like a business is quite enough. But think about it for a minute. As someone who owns a small business or a professional practice, you know there are ... Views: 1240
The new internet radio show with Coach Steve Toth, “Be a Radio Show Superstar,” guides people to success in creating an internet radio show. “Cash is King and content is Queen,” he said. A radio show must produce both. Coach Steve has education, experience and knowledge in broadcasting and is ... Views: 1867
A. Types of Registered Pension Plan
Registered Pension Plan is a form of a trust that provides pension benefits for an employee of a company upon retirement. RPPs (401k) are registered with the government. The employee and employer, or just the employer make contributions to this retirement ... Views: 3790
College costs are on the rise and show no signs of slowing their climb. According to the College Board's "Trends in College Pricing" the average annual cost for in-state tuition ranges from $17,336 for public institutions to a whopping $35,374 for private universities. Adding insult to injury, ... Views: 996
An annuity is a contract with an insurance company. The insurance company agrees to provide a stream of income to the individual in exchange for payment. The holder of the annuity cannot outlive the regular income from the investment which makes this attribute especially unique. Therefore, ... Views: 1809
Across the United States with the down turn in the stock market annuities have become a major part of the retirement and investment planning for many Americans. However, annuities are designed to be long-term investments, to meet retirement and other long term goals. Annuities are not suitable ... Views: 1736
Many people neglect to see that financial security and their relationships with others are strongly connected to each other. Let’s look at the way this works.
Many of us think that knowledge alone qualifies us to making good financial decisions and thus entitles us to better positions and ... Views: 2345
For some projects, a marketing consultant may need outside expertise or just an extra hand to get the job done. For engagements like these, hiring a subcontracted marketing consultant to assist with the project can help you meet your deadlines without having to bring a full-time employee on ... Views: 742
A good credit score can be the huge advantage at the time when you need it most. Basically, it requires a frequent check, but if in case you did not monitor your credit status regularly then there is lot of chances to become your credit score a big problem for you. So, it is very necessary to ... Views: 875
Practical Financial Planning Advice
You've got to make money before you spend money. If you think of the kind of financial advice you usually get from financial advisors, you'll probably find that it's pretty much entirely focused on the second half of that sentence: saving and investing ... Views: 812
How to Pay For Your Lifestyle without Credit Cards
Can you afford your lifestyle?
How much income does it really take to live the way you want?
And what can you do about paying for it?
First of all, what is a "lifestyle"? Well, it's the quality of your living and working environment: the ... Views: 998
How Can You Make Sure That Your Assets Are Really Protected?
Are your assets protected? Are you sure? If you're like a lot of people, you may think your assets are safe, but the reality is very different.
What is asset protection? Well, it is creating barriers between your assets and anyone ... Views: 838
Financial Planning Strategies
Are you in control of your finances? Unless you're very unusual, the answer is probably no. And if that's the case, it means that you're probably losing out big-time. Read on to discover the two keys that get you started with effective financial planning.
Sure, ... Views: 836
“Seek the wisdom that will untie your knot. Seek the path that demands your whole being” - Rumi
"There's a difference between interest and commitment. When you're interested in doing something, you do it only when circumstances permit. When you're committed to something, you accept no ... Views: 2301
Soon people will be writing out their New Year's Resolutions for 2009 or at least thinking about the New Year. People will be thinking of what they want, what they want to be different and better, and what they think they could do differently to better bring about the life or circumstances they ... Views: 2383
What are you seeking in your relationship with money? In life? What do you wish were different? Money can be a tool to transform your life in more meaningful ways. As a tool, it may facilitate the path of true fulfillment that comes from living your life intentionally and from purpose. The ... Views: 2015
Let’s face it, once we have a car we love the convenience of being able to get up and go whenever we please so I’m not going to tell you to sell your car and use public transit. The tips I am going to give you are simple and practical.
Unless you are a salesman or need a new car for business ... Views: 1532
The Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of “Why Didn’t Anyone Teach Me This?” has learned these important financial fundamentals and continues teaching and ... Views: 2152
The push is on being green in everything we do and use. Today I would like to talk about being frugal with our water use in our homes.
Let’s start with the kitchen. If you have a dishwasher, you will not only save money on water but the electric bill as well if you only do a full load of ... Views: 1425
Those of us who have left our parents’ home and ventured out on our own have all asked ourselves, “Should we rent an apartment or house, or should we buy a house or condominium?”
It’s a good question which needs to be looked at from several viewpoints. The first viewpoint to consider is ... Views: 1575
Eliminate the legal obligation to pay many of the debts: The goal of a discharge is to reduce debts and to give a fresh start; both the chapter 7 and chapter 13 can eliminate all kind of debts.
Stop foreclosure: A home foreclosure can directly be stopped by chapter 13 bankruptcy laws, so one ... Views: 975
In chapter 7 bankruptcy it is necessary to obtain mandatory credit counseling within 180 days before filing bankruptcy petition. File bankruptcy petition with court. A trustee should be appointed to administer bankruptcy. All non-exempt assets should be surrendered for liquidation and ... Views: 863
Most Agents begin their real estate career with the hope of gaining financial independence. They are attracted by the possibility of earning large sums of money. Even when Agents make more than a six-figure income, the vast majority have not dramatically improved their financial balance sheet. ... Views: 981