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Did you know that you can improve your credit score with the wise use of credit cards? Credit cards can help you build or restore your credit rating. As long as you pay your bills on time and use only a portion of your credit limit you are working hard at improving your credit scores. Using less ... Views: 1121
No individual government leader can pull our country, or any other country, out of the recession the world is in. It will take guidance, planning, and cooperation amongst a broad coalition of people and that includes us.
Remember that old joke, "a recession is when your neighbor losses their ... Views: 1265
Proverbs 21:20
The wise man saves for the future but the foolish man spends whatever he gets.
Why You Need an Emergency Fund
All of us need emergency funds for unforeseen emergencies such as losing your job. In other words, a sudden unforeseen crisis.
An emergency fund is cash savings that ... Views: 1235
For all that I go on about how money is just energy, has no meaning other than what we attach to it, and how there is no shortage of it, I still find myself feeling a lot of anger towards the guys on Wall Street who took an average of $12 million each in bonuses.
The fact that they took the ... Views: 2452
In some ways small business owners and entrepreneurs have been relegated to orphan status since the collapse of the economy in 2008. Despite their collective importance to our economic well being, policy makers did little or nothing to include them in the bailout. Even though their combined ... Views: 774
Do something that will brand your website as your site must have an identity that people are aware of. For example choose titles and create logos that will remind users of what your website is about.
DO pay attention to both style and content. Having good quality content on your site is ... Views: 531
Getting yourself into something is one of the easiest things to do in the world, but getting back out of it is a completely different story. Take this for example: it’s a piece of cake to take a dive into a pool of sharks (if you’re really that stupid), but getting back out is next to ... Views: 590
Are you in need of debt relief? As a matter of fact, if you carry any kind of unsecured consumer credit debt, the odds are good that a bit of debt relief would be welcome right about now. Of course, not all avenues leading to debt relief are appropriate for and every debtor, and knowing how to ... Views: 925
The current economic situation has been described as one of the worst recessions in recent history, and as a possible depression not seen since the Great Depression. Most economists agree that the current economic crisis has probably not hit the bottom, and that the road to recovery will be long ... Views: 506
“The same mind that created the problem cannot solve the problem."- Albert Einstein
It is my hope that you enjoyed your Mother’s Day this past weekend. And as much as you didn’t like to be corrected when you were growing up, good ol’ Mom was almost always right in teaching us the basics. ... Views: 1472
Most of us use credit cards extensively month to month and almost as many people don’t use them to their full advantage and end up paying way more interest than they should. Here are some credit card tips on how to keep on top of your credit cards and get the benefits you’re entitled to.
Credit ... Views: 830
A credit report works similar to the way a report card for a high school student would. In an educational institution, the grades written on that card would reflect the academic performance of the receiver. If the “numbers” or grades stated were impressive, the kid would be rewarded either by an ... Views: 630
I recently had an experience that reminded me how important it is to keep track of your spending week by week, day by day. I admittedly go through good, and not quite as good phases in relation to how thorough I am checking all my receipts and keeping track of our ins & outs. So I thought ... Views: 777
I didn’t realize that it would be so difficult saying “good-bye”. For years I’ve been “Keeping up with the Jones” without realizing it. I thought my old “hippy”, back-to-nature values were still in tact. I didn’t realize that I depended upon the Jones’ as mileposts – people to look up to and ... Views: 952
Recent economic troubles throughout the world have left many people struggling with bad credit reports and low credit scores. Recent problems in all of the financial sectors have changed many of the rules of the past and some of the old rules are now obsolete. This has left many people not ... Views: 958
Preface
To encourage people to better understand and appreciate the principles of Christian financial stewardship as set forth in the article and sections below.
Article I
We the Christian people hereby agree to the following:
Section 1. We recognize that God is the creator and owner of ... Views: 1155
Have you read any good books lately on the importance of financial planning? There are plenty of them out there if you are willing to spend a bit of time on Amazon or at the local bookstore. Is financial planning enough, though? Not many people understand the big picture about financial ... Views: 1002
When facing debt crisis, you need to muster strength and be smart in finding the right solution. Because anybody can be stuck in a debt crisis unexpectedly, it’s best to do be prepared. Here are practical advice on how to get out of bad debt effectively.
Know your real debt. It’s easy to get ... Views: 806
Filing for bankruptcy is considered to be the measure taken when somebody fall into the pits of financial ruin, then falls into that pit’s pit – that’s how bad it is. Now if you find this concept a little hard to understand, here’s what you’ve got to know: bankruptcy is the state of an ... Views: 1064
Do you know anyone who has sex for money? Sure you do. Whoever stays in a dead relationship just to retain financial security is exchanging body parts for cash! This is what I call Transaction Love.
Love as a transaction dates back to when “I’ve got cattle” was followed by “What can you trade ... Views: 2426
"I believe the recipe for happiness to be just enough money to pay the monthly bills you acquire, a little surplus to give you confidence, a little too much work each day, enthusiasm for your work, a substantial share of good health, a couple of real friends and a wife and children to share ... Views: 979
"What a man is contributes much more to his happiness than what he has, or how he is regarded by others." - Arthur Schopenhauer
It is amazing how, at a very young age you begin striving for independence and a sense of identity. As a young child you were very anxious to be able to do things for ... Views: 927
Depending on your economic status, you are either having the time of your life, struggling to survive, or frustrated by stagnation and an inability to do anything. Right now, the rich are like children in a free candy store. The poor are fighting to keep their children fed and fear becoming ... Views: 6727
Rent cost is money you spent which you will never get back. Buying a home is, in contrast, an investment. However, it is an important decision you take that can affect you for life positively or negatively. To buy a home (at least if you are not one of the super rich Americans) you need a ... Views: 1200
Easy does it every time! These days it’s very easy to get instant credit and very easy to get into debt. And yes, it’s almost just as easy to repair bad credit!
In the “good old days”, people were proud to boast that they had “good credit”; people took great pride in having good credit. In ... Views: 1766
In a commencement speech at Georgetown University in May 2007, at the very peak of the boom in the financial sector, John Bogle had this say on this subject:
One, if you enter the financial field, do so with your eyes wide open, recognizing that any endeavour that extracts value from its ... Views: 1399
Know the Right People
One of the greatest forms of financial leverage is contacts. Knowing the right people and being known by them can open doors for you that can save you years of hard work. The quality and quantity of your contacts and your relationships will have more to do with your ... Views: 1026
The major mental obstacle to financial success is that some people believe that they don’t really deserve to be rich.
The Biggest Demotivator of All
They have been raised with a steady drumbeat of destructive criticism, as I was, that has led them to conclude, at an unconscious level, that they ... Views: 1163
Trading isn’t for everyone – just because somebody wants to be a trader, doesn’t automatically that they can become one. Well maybe they could (without doubt), but the question is: will they be successful? The answer to that my curious friend is almost 85% of them are bound to fail. Now the ... Views: 603
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AWAKENING FINANCIAL SUCCESS
Through the ... Views: 2036
Money goals can be a worthwhile pursuit when sought after properly. However, a lot of times seeking money directly can be the wrong goal. In some circumstances this may not be true, but from my own experiences and watching others pursue income goals, failure has met us 99.9999 percent of the ... Views: 1043
Paying the government “their” share of your income may be not only hurt us financially, but emotionally as well, especially if you think that they aren’t putting the money to work for the people’s benefit. As a taxpayer and law abiding citizen of wherever you may be from, it’s your obligation to ... Views: 835
#1: Relying on the financial aid office.
Financial aid officers work for the college, not for you. Enough said.
#2: Not planning ahead.
By the time you are in the college financial aid office, it’s too late to make necessary changes to your taxes and asset allocation to affect your aid ... Views: 1408
What do wealthy people do or have that enables them to accomplish so much more than the average?
I believe that these people are successful as a result of what I call leverage. Leverage is the key to maximizing and multiplying your potential for success and financial achievement. Here are three ... Views: 1425
Financial freedom comes to the person who saves ten percent or more of his income throughout his lifetime.
One of the smartest things that you can ever do for yourself is to develop the habit of saving part of your salary, every single paycheck. Individuals, families and even societies are ... Views: 776
Many people jump into get-rich-quick schemes, create ruinous debt, and fail to employ solid strategies that serve their best interests. So what really happens to disappoint and frustrate these people? How do they sabotage their financial success?
Many positive thinkers judge, suppress, and ... Views: 1227
Money is one of the leading topics of marital arguments, and it’s not surprising. We each have a money style – a collection of feelings, beliefs, and behaviors that we learned from our parents and other significant people in our lives. When two people make a commitment together, these money ... Views: 2291
I was listening to the news on the radio recently and again realised how the media is used for mass hypnosis.
The broadcaster announced quite convincingly that “the economy has shrunk with another 1.9%” and then went on to embroider on the consequences of this.
I have often wondered about the ... Views: 1082
What does everyone that constantly takes out loans want? That would the best rates and terms of course. The effective way to ensure that you do receive the best rates and terms would be to have an impressive credit score. This is the number that says a lot about you when it comes to your ... Views: 615
If you have been a subscriber to my newsletter for awhile you will know that I place great importance on the subject of financial freedom. My personal tool of choice to accomplish this is trading, since in my reality it is the fastest and most fascinating way to create the financial independence ... Views: 3682
More than eighty percent of self-made millionaires in America began with nothing or in many cases, less than nothing.
More than eighty percent of self-made millionaires in America began with nothing or in many cases, less than nothing. I can certainly relate to that because when I was growing ... Views: 1094
"The smallest good deed is better than the grandest good intention" – Duguet
This quotation reminded me of a letter I received recently. It read:
"Dear Glenn, I need your help! I have ended up with credit cards debts that I can't seem to pay off. I've been sending the "minimum payment" on the ... Views: 882
These are certainly challenging times for us these days. It’s easy to get caught up in the gloom and doom headlines and feel discouraged and anxious. With every crisis, comes opportunity. One of the lessons this challenging time is teaching us is to appreciate what we are doing so we stay in a ... Views: 1578
I speak to people everyday who are looking to improve their financial lives. By nature, I am an exhorter. Each day with my family, friends, clients, and anyone else who will listen I advise and encourage them to be their personal best. That is why I enjoy the work I do. I can look at a ... Views: 561
Fill in the blank with whatever it is that's driving you crazy because it's not here yet, despite all your efforts: your enlightenment, your million, your lover, your peace of mind … your patience (smile).
Just this week I talked with several clients about how to soothe themselves when they ... Views: 1491
With the death of Freddie Mac CFO David Kellermann, I started to think about the enormous pressure that has been put on us by this unfolding financial debacle that we find ourselves in.
I’m sure over the next couple of days we will find out the cause of death and more about this man.
In some ... Views: 886
Has financial stress recently pushed you over the edge? Do you feel like you are getting hit from all sides? Are you looking for new ways to deal with the economic pressure? You are not alone.
First, I am putting all the usual money talk aside. If you are feeling pressured to smile all the ... Views: 2684
Most investors profit when a stock, index, or commodity goes up. But the market never goes straight up or down, but worms up and down on its trend in one direction or the other.
Most investment dollars are left on the table when the market pulls back, or, worse, changes direction in trend ... Views: 905
Picture having inside information straight from a company, which has not yet been released to the masses. There will always be an advantage in such a scenario.
This is especially true in thinly traded, low market-cap penny stocks, where small bits of information can significantly impact ... Views: 1330
"Relax! Your money is not your life! It just feels that way sometimes." Sark Women are starting to explore money in their lives now more than ever. Money is beginning to flow into more women's life as we become visible, we become independent. Women have had a long history of scarcity and ... Views: 1134