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[9 Mar 2010 | No Comment | 818 views]

In this article you will learn exactly what financial prosperity is and how to achieve that.
Firstly, what is financial prosperity?
According to the Collins student dictionary, prosperity means; success and wealth.
It is vitally important to remember that success is a step by step process and needs to be connected to a long term (10 year or longer) goal. Also needs to be attached to core values.
How many people have won the lottery only to be back to their original state after five years? This is because a lottery win is an event not a process.
The dictionary defines the word “wealth” as the state of being rich. It is a state of being rich in the fact that you are working your lives passions and not just in it for the money.
One example, I know a person who has been working in a factory for 15 years. She works for the coins …

World »

[2 Mar 2010 | No Comment | 752 views]

I am sure this article has grabbed your attention!
So, how can you live without working?
There are some important secrets you must know and put into practice. Put these secrets into use on a daily basis and begin to see a phenomenal change in your financial life.
First, thing of an idea you have had in the past that would assist people to solve a problem?
Put pen to paper. If you have an idea write it down, expand on it and visualize the idea.
If you find it hard to think of an idea then ask what would help other people.
Next, research the market. Is it needed?
Build contacts that have experience in your field. Build a web site, marketing your product.
Set long term goals that your idea is going to take the planet by storm.
Keep focused and most of all fully believe that it will work!!
Eventually let the idea sell itself and attract …

World »

[25 Feb 2010 | No Comment | 883 views]

Those of you who are in the “boomer generation”, ie; born between 1946 and 1964 are now perhaps thinking about getting off the fast moving treadmill and thinking about retirement, but the question is, can you retire with enough to live in comfort and still do the things you always wanted to do?
When thinking of retirement do you think of Florida and the sun belt, or perhaps Arizona, if so, it would be wise to consider the extreme costs of both of those areas where most of the U.S. population has already retired. Homes and living costs are very expensive and many who retire on modest incomes find it difficult to do some of the things they have always wanted to do, and some find it even necessary to obtain part time work.
If you are retiring on a modest income, another alternative is to look outside the box and consider …

World »

[22 Feb 2010 | No Comment | 792 views]

Budgeting money is something of a neglected necessity in the modern world, with so many people lured into spending regardless of their financial situation. It has become almost the norm to spend each month more than is earned, often without even knowing it. This has led to severe debt problems for millions of people in the US and UK in particular, and an encouragement and acceptance of ignorance in personal money management.
Despite all the bad debt write offs, the banks and other lenders are happy with the situation. They build the risk factor of bad debts into their interest rates to ensure overall profitability, so borrowers are paying for the collective lack of ability to budget properly. Yet, budgeting is easy, so it is baffling in some ways that many people are unsure how to budget money.
Being able to budget your own money is a bit more than listing your …

World »

[14 Feb 2010 | No Comment | 782 views]

Do you find that your money disappears very quickly?
Do you find there is a lack of money in your life?
How can you manage money better?
If you have ever wondered about those questions then this article will set things straight.
There are five key ways or secrets which will amaze you.
You will want to know more.
Here are the five ways;
Use habitually a budget plan system. You will discover that you have more than you first thought. A budget system is where you plan on paper where your every note or coin goes. You will see that you have more money! It works!
When you have money, place every note or coin in an envelope with a purpose written on it. For example, have an envelope for rent then you can place coins or notes in that envelope. Your money will go further!
Reduce your debt and stop using credit. With credit you are not …

World »

[1 Feb 2010 | No Comment | 781 views]

Do you overspend?
Do you find you have no money left for important items?
Is your credit card bill over whelming you?
would you like to change the situation?
In this article you will learn five excellent ways to reduce your spending.
Follow these tried and tested principles stated below and see the difference!
• To set yourself a budget system and work all your monthly outgoings by this. The more you manage the more you will attract.
• To make an envelope system along with your partner, in order to get the big picture of your finances for the month.
• Pay for bills by the envelope system instead of paying for them by direct debit when you can run the risk of entering the over draft facility.This will allow you to see the big picture.
• Prioritize your bills and if need to cut back on less important ones. For example: if a person has monthly outgoings …

World »

[23 Jan 2010 | No Comment | 808 views]

Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.
They believe a sufficient percentage – some estimates are as high as 80% – will continue to work in some capacity or another, relieving much of the pressure on the system.
This is probably the only ray of hope for many who have visited financial planners or bought personal finance software to see how much they need for retirement. These usually show you need a million or more dollars to retire with your current lifestyle. But again, they don’t take continuing earnings into account.
Many in the baby boomer generation plan to retire at around 65, but …

World »

[19 Jan 2010 | No Comment | 889 views]

Here are five positive and effective ways to increase your income.
1. Do you have objects or clutter around your house which you are not using and could sell to increase your income? In today’s electronic world EBay would be a good choice. Holding a yard sell or boot fair would be an excellent option.
2. Do you have an effective budget, planning system working in your life? It is amazing that when money is managed correctly then it produces more. It is a fact that the universe will provide more income when finances are managed correctly!
3. Do you have an idea which you are passionate about? Think about Alexandra Bell, he invented the telephone. Today a telephone is amazing! When you have an idea, go to work on it NOW! It could provide you more income.
4. Start your own business. It does not have to be a big business but set …

World »

[19 May 2006 | No Comment | 846 views]

When you are ready to apply for a credit card, there are a few things you want to take into consideration before making that final choice on which card to put into action in your life. After a bit of reading and reviewing the offers and your credit needs, your credit rating, you are then going to know if you are really ready to apply for a credit card for you to use.
One thing to think about is how your credit report is. If you are one of the many that may not have the greatest credit, you are going to see that it may be a little difficult to acquire a credit card. If that is the case, you may need to try one of the credit card companies that will help people out that have bad or slow credit. The only thing with the credit cards for people …

World »

[18 May 2006 | No Comment | 762 views]

Do you overspend?
Do you find you have no money left for important items?
Is your credit card bill over whelming you?
would you like to change the situation?
In this article you will learn five excellent ways to reduce your spending.
Follow these tried and tested principles stated below and see the difference!
• To set yourself a budget system and work all your monthly outgoings by this. The more you manage the more you will attract.
• To make an envelope system along with your partner, in order to get the big picture of your finances for the month.
• Pay for bills by the envelope system instead of paying for them by direct debit when you can run the risk of entering the over draft facility.This will allow you to see the big picture.
• Prioritize your bills and if need to cut back on less important ones. For example: if a person has monthly outgoings …