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There are numerous habits and desires on which you can waste your money, but perhaps none as common as drinking and smoking. These are encountered on a daily basis, and are commonplace in nearly every society. Little do most people consider how much they spend on these habits yearly and how they ... Views: 715
In today's society, it is increasingly difficult to save more money and reduce excess spending. While it is true that some spending is outside of our control and includes life's necessities, all too often people spend their hard-earned money needlessly and indeed whimsically. It is human nature ... Views: 1131
Imagination is certainly an important thing to have when you are living on a budget. Coupled with creativity, this will ensure that you know exactly how to get by with what you have. Everything in your possession can be used in an original and practical way, even the seemingly insignificant ... Views: 783
Careful, economic living can be thought of as a type of equilibrium; ideally, your income is always greater than the amount you're forced to spend, or at least equal in extreme cases. In this comfortable model, there is no room for debts to disrupt this cycle.
Debt can enter into the equation ... Views: 984
10 Financial Mistakes You Should Never Repeat
There have been a number of financial mistakes that we've all been living with for the past several years. During economic downturns, those mistakes become apparent, and our options become limited. It's important for us to understand what got us ... Views: 1273
Sometimes in life we find ourselves in trouble with respect to our credit rating. Bad economic times bring new problems; we may go into debt, or incur extra late fees or higher interest rates by falling behind on our payments, ruining our credit report in the process. Making certain that your ... Views: 621
Have good money management and do not fall prey to the gamblers gambit when trading online. A lot of people who do crash out of the FX market do so because they do not have good money management and are not in control of their investments. They often fall prey to risky ventures and gut feelings ... Views: 569
Normally, free information is usually a lure for a website to funnel or rope you to either opt in to any of their services or even buy a product that will be strategically thrust into your field of vision as you scan through the general information about trading. Free information rarely has the ... Views: 617
Of course you can. This question should be more rhetorical than anything else but it is a question that does not address the true issue and nature of the Forex market - the ones that set it apart from the other traditional markets. As this economic crisis has shown us of late, there is no lack ... Views: 806
In school, they do a great job at teaching you on how to become an employee. In the process, they feed you lots of info regarding subject matters that don’t count for crap when it comes to landing a job – do you actually think that making a poem for your boss will get you in? Maybe, if you were ... Views: 432
Yes, Happiness does have to do with money, because in order to live you have to have money. Money is the means of exchange that makes your dreams come true. There is no getting away from this fact.
Without money you will starve or at best live off the government on the bred line. This is ... Views: 1296
Considering stock investing in these troubled times is much like plunging your hand into a vat of killer sharks and hoping for the best and I say this because the market is seeing some really tough times of late due to the economic recession. Sure, we have a great president on the seat of the ... Views: 573
The financial world is upside down and by now even a blind man with a stick should be able to see it. I have been involved with trading the markets for many years and am well versed with the psychology of trading and investing. It is a fact that there are still an amazing number of people who ... Views: 841
Credit counseling or debt consolidation to pay off debt?
You can hardly get out of debt just by lucky chance. A debt-free life is the result of regular and hard work over a person’s payment obligations, spending pattern and debt mentality. The highly developed industry of credit services offers ... Views: 449
Currency trade has been the by line for many investment success stories of late and there has been good reason to support this. With more and more brokerage offering comprehensive platform support, services to train beginners in Forex trade, demo accounts and online services, working from home ... Views: 707
Though the credit counseling services have been around us for some time, people are now recognizing the importance of this service. With the nose dived economic conditions, people around the Globe are unable to manage their finances and are really struggling to pay their mortgages. The housing ... Views: 586
1. Don't panic, breathe.
You are equipped to deal with whatever comes up in your life in each moment. You are not equipped to deal with hypothetical futures, which is what worrying is all about. Breathing automatically brings you back into the moment, calms and centers you.
2. Don't ... Views: 1574
Trying to eradicate all debts is often a great source of stress and anxiety. People who owe immense sums of money to creditors may not even know where or how to begin. Some of these people may have even tried to clear debt in the past to no avail. To these people it seems they feel as though ... Views: 748
I named this article “The FICO god” because I saw someone pray to FICO; the god of credit in Wal-Mart the other day. A woman in front of me at the check out counter slide her credit card, closed her eyes, bowed her head and prayed; “Please, Please, PLEASE!” When she opened her eyes, first one ... Views: 799
One of the most important keys to your success in everything you do is found in one simple word. That word is focus. Although is is very important to choose goals for your life that you want to achieve, focus is the vehicle that will get you there. You must focus and refocus until that goal ... Views: 1143
The financial markets provide us with the opportunity to grow in ways that most people probably do not even think about. We all know of the gains in wealth to be had buying and selling stocks, bonds, commodities, currencies, and other instruments. One need not look far to find stories about the ... Views: 550
"The Universe is responding to you in your NOW. So whatever you're feeling right NOW means that is what you are sending out vibrationally right NOW, which means that is what you are attracting to yourself right NOW, which means your future is FULL of a bunch of stuff that is gonna feel pretty ... Views: 999
“It’s amazing how fast you can go through $7,000 with beer, pizza and The Gap.”—Ben Affleck
What is your reaction to the word “budget”? A sinking, depressed, deprived feeling? You are not alone. Many people audibly groan at the mention of the word. For the vast majority, it connotes scarcity, ... Views: 1002
As Americans we know we can have it all if we want to. If there is a will, there is a way. Be all you can be. And yet, here we are, all of us, throwing away credit cards and brown bagging our lunches. Carpooling to work and socializing around coffee instead of dinner and drinks. Is this ... Views: 827
When I discuss ideas for creating extra money to use for
debt elimination in my DebtIntoWealth seminars, some routinely draw sacrilegious gasps.
I call these the "Sacred Cash-Eating Cows," as they have been elevated to the status of "untouchable" for any purpose other than immediate ... Views: 894
1. Designate a specific place to keep unpaid bills and credit card receipts. Use a file folder or basket and put it somewhere that's convenient. If it's hard to ignore, you won't just drop things "here for now."
2. Develop a regular schedule to pay bills. Handle your bill payments ... Views: 816
The way we respond to money is often a factor of our previous experiences and our upbringing. There are a number of different types of money personalities and each has their own individual way of relating to financial concepts and money that were formed over the course of our life. In this ... Views: 717
Smart Money Coaching Programe
In this current economic climate we can all do with a helping hand to manage our money. Petrol prices, Gas , Electricity and household shopping bills have all increased. Not items that we can do without. But where does the rest of your money go – is it spent on ... Views: 453
Do you know if it's good or bad? Are you aware of what you credit score is? If you find yourself in the position that your credit cards are at the maximum, that you slip payments, or are paying only the minimum due, you could be facing a severe problem. If your response was yes to one or more ... Views: 840
Do you know if it's good or bad? Are you aware of what your credit score is? Are your credit cards maxed out and you keep missing your payments each month or only paying minimum amounts due? You could acquire a poor credit score if one or more of this questions applied to you.
Rebuilding ... Views: 525
Sally came to me after several cancer operations; the most recent operation was for liver cancer. Test results a few months after this operation were not encouraging. A quick geopathic stress test of her home revealed extremely high levels of geopathic stress. Further research revealed a mobile ... Views: 2779
The Imaginary Economy — Part II
• What are the bases for personal value and worth?
• How would sustainable living impact the economy?
• What models ought we use for future economic development?
I was angry when I saw the delivery truck loaded with aluminum cans filled with ... Views: 1621
Mortgage Math
Understanding your Mortgage!
When you close on your new mortgage, your loan papers state the interest rate that you will be paying for your loan. But is that interest rate really as good as it looks?
Out of your monthly payment that you faithfully make each month, do you know how ... Views: 562
The imaginary economy started when gold, something with no intrinsic value, became a widespread standard of exchange. Bags of grain, a slab of salt, livestock, animal skins, a basket of vegetables, the day’s catch previously drove an economy that was material and unambiguous. Now our economy is ... Views: 2639
The most personal assets we own are our body and the fruit of our labor. This fruit typically takes the form of money and personal possessions. In our modern culture we measure if we are a valuable person by comparing what we earn and what we have to others. This comparison of self-worth is ... Views: 777
Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind. Wouldn’t it be exciting to actually have money left ... Views: 1099
You see them everywhere. Maybe your aunt or even your mother is one. Women with middle and even upper bracket financial backgrounds are pinching pennies and depriving themselves in their golden years. Sometimes we find it comical, as when 78-year-old cousin Bessie brings a plastic bag to the ... Views: 2407
With the collapse of Bear Sterns, Fannie Mae, Freddie Mac, and now Merrill Lynch and Lehman, trust in traditional investment firms has been shaken. A recent study shows investors shifting to small boutique financial asset management firms to minimize risk.
"Out of every crisis, an opportunity ... Views: 685
Yi bu fen ren, qian fu qi lai.
Translation: If you want the country to
prosper, you must let a few people get rich
at a time. You CANNOT make everyone rich or
prosperous at the same time..
Deng Xiao Ping realized that prosperity and riches
'trickle down.' Some people get wealthy.
They ... Views: 999
Forex trade signals are signals and flags given either by brokers, key investment platforms or even Forex based software, to the investor to tell him whether or not his investment strategy is sound, or if there are any changes he must make to his overall plan to either make a stronger profit or ... Views: 637
Forex alerts are what many investors use to determine the direction of their investment strategy and they can either be given by brokers or Forex systems programmes. This article will discuss the credibility of their claims, by investigating their root philosophy and the methods in which these ... Views: 833
Fact: Experts claim that despite the current house price downturn house prices will actually rise by as much as 25 per cent over the next five years.
Not surprisingly, given the bad publicity over falling house prices, many people are becoming concerned about the effect of a possible recession ... Views: 976
You've probably received the emails or mailers. The lead headline tells you that the federal government is giving away millions and that you qualify. The adds usually go on to say that you can finance your business, remodel your house or pay off bills. All you have to do is contact the company ... Views: 698
A new study by the Vanier Institute of the Family shows that the average total debt load per Canadian household has increased to $90,700 across the country. That's up 71% since 1990, a time during which debt has grown at a rate of six times higher than income.
The study also urges families to ... Views: 778
I know what you are thinking. You’ve lost so much in the stock market. If you’d only taken that money and paid off your mortgage! Is it too late? Should you bite the bullet? Sell off what you have left in your mutual funds and pay off the home loan?
Of course the answer is very simple. ... Views: 794
Procrastination and worry are a curse that befall many of us. You may not even be aware that you have fallen into this trap because procrastination comes in many guises. I am a very pro-active person. If I told you that I used to procrastinate you would laugh at the idea, if you knew me. You ... Views: 679
When one goes seeking employment, it is to seek money to meet their everyday needs. One of these needs includes their health care needs which, outside of their home and car is one of the most expensive needs they will have.
Health insurance is also one of the most expensive products the ... Views: 878
In response to the economic crisis, Cathy Curtis, a San Francisco Bay Area based Fee Only financial advisor has published a handy booklet entitled “10 Simple Truths About Money” to help her clients and the public focus on key money concepts that can keep them on track in these difficult times. ... Views: 1117
Online trading in Forex is a risky business, for the main reason that it has gained so much popularity that market psychology is fluctuating; making the market much more dynamic and all the more unpredictable that it normally is. On the other hand, it is also a great place that offers avenues ... Views: 697
2008 was a year for the history books in so many ways. They say that those who do not remember history are doomed to repeat it. Here are three critical financial lessons to take away from 2008
• Lesson #1: CASH IS KING. Financial advisors have waxed poetically about the importance of ... Views: 736