Achieving Financial Success

By Godfrey Philander

 Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, weekly and/or monthly and aid you in reducing expenses where needed.

1) Accept the fact you are in debt and forgive yourself. If you are in denial, you are more likely to repeat the pattern.

2) Reduce monthly expenditures. For example, once the price of gas increased, our monthly gas costs went from roughly $200 to approximately $450- 500.00. In an effort to reduce our gas costs, I stopped taking miniature trips every day. Also, my husband would drive my car on the weekends because it costs less in gas.

3) If youre a person that makes several trips to the grocery store during the month, reduce the number of trips to once a month except for fresh vegetables. This will reduce the number of times you have to put gas in the car. Today, it costs more just to leave the house to get groceries as well as going to work.

4) With the increasing utility bill, begin making repairs to your home now such as getting a programmable thermostat and set it to a certain temperature so that it will automatically come on.

5) As an option, temporarily get a second job for supplemental income. If married, this should be the person that has the ability to generate the most income. I do not recommend any Multi-level Marketing opportunities.

6) For a single person in debt if you are off on weekends, temporarily get a weekend job and put those funds towards the bills along with your regular income.

7) If you have a cell phone and a regular phone that both have long distance, re-evaluate having both phones. It can get expensive to have both with long distance. Maybe you can remove the regular phone and just use your cell phone if most people call you on that number.

If you are a stay at home mom, in my opinion the kids should not be going to daycare. This is an unnecessary expense.

9) Be sensible about your expenditures when it comes to your children. For example, a six month old baby does not need name brand clothing. They need to be clothed. Suggest getting into mommy group where you and your friends can swap clothing based on gender and age. I have a couple of moms that I swap clothes with and this saves all of us from having to shop at the store.

10) Grooming expenses for adults: do you really need to get your nails done every week? Could you put that money towards a bill? If you are getting your hair done whether it is a weave, perm, braids or tinting every week do you need to go to a high end salon or could you go Great Clips for the same thing? I am not saying do not pamper yourself; however, as times get tougher what is the necessity?

11) Maintaining your vehicle is a necessity, but going to a car wash every week is not. You can wash your car at home. Re-evaluate how you are spending your money.

12) If you are a person that likes to go out to eat, reduce the amount of times per month you go out to eat. Begin cooking at home since you are buying groceries for the month.

13) Entertainment whether it is going to the movies, bars or happy hour these expenses add up. For example going to a matinee is $7.50 a person (for the two of us is $15.00 before we even get food, which would cost us another $15.00) do you really need to see the movie now or could you wait three months and see it on DVD. Netflix is an option.

14) Add up how much you spend at a vending machine per week when you are at work if you work outside the home. Consider taking snacks from home.

15) Health insurance if you had a job and are using COBRA for health insurance until you have secured another job, seek an alternative health insurance to the COBRA payments. I remember when I first stopped working at the law firm, we utilized COBRA for almost eighteen months and the price increased two times. Prior to the second increase, I located a shared insurance plan and saved us lots of money.

** There has to be some structure during these difficult economical times. However, these times do not have to be so hard that you cannot enjoy life.

Godfrey is a really good web-master who writes regarding income

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By A. Sharpee

 The famous coach and motivational speaker Lou Holtz once said, Show me someone who has done something worthwhile, and I’ll show you someone who has overcome adversity.

Well through adversity, a former radio executive has created a free mentoring program called CP2R. The CP2R program, available at http://cp2r.com , empowers the everyday ordinary person with the knowledge and tools to breathe life into their financial independence. CP2R stands for Concept, Product, Portfolio and Rewards, which are explained as the four basic building blocks to success in anything you do.

The CP2R program shares with you the opportunity of a lifetime, how to start with nothing, and create something grand. In this free mentoring program, the creator teaches how to immediately create an income producing online business with absolutely no money out of their pocket, thats right, zero investment!

Let me share with you how CP2R came about, and a little background about its creator.

Joe Williams, a broadcast veteran, decided one day after 19 years to say, To Heck with Making These Big Companies Rich!

Working hard and smart had produced a very successful and lucrative career in advertising sales and management for Joe with some of the largest broadcast companies in the country: Clear Channel, CBS Radio, Cox Radio, Rainbow Radio, Beasley-Reed, Pinnacle Broadcasting, US Radio, and Village Broadcasting.

He had literally been personally responsible for bringing in MILLIONS of DOLLARS to these companies over a 19 year career based on his relationships and hard work with numerous clients worldwide. Then everything changed!

One day Joe was called into the General Managers office and informed that they had to let him go because they were eliminating his position! (It was a fancy way of saying, Youre fired!)

After listening to everyone say things like sorry and wished things could be different, the shock and disbelief really set in, because the radio station in which he was the General Sales Manager, was the fastest revenue growing station in their cluster of stations, and also posted the best year to year growth percentage for all 15 radio stations in the entire market over the past two years!

He thought, How could this be happening to me. I had been hired to take a start-up radio station from scratch and make it profitable, and I had done just that.

Then it hit him like a ton of bricks He had done so well and created such a strong business model, that they no longer needed to keep him. The station was so strong that it could virtually run on auto pilot, and they could put his salary and bonuses back on the bottom line!

To make matters worse, he had signed a non-compete agreement, which meant Joe could not work for another media company within a 90 mile radius for the next six months! So it was uproot, move and try to find a job, or start a business and work for his self.

Based on his adverse financial dilemma, he started his own little business based on the CP2R philosophy and vowed never to be at the mercy of someone else again and so it began.

Joe started helping friends and family make money online in their spare time. Many of them use the extra money for savings, vacations and tuition, and some of them have even quit their jobs and have become very wealthy following the CP2R program full time. They all started from scratch, with no money invested and have developed successful businesses online that bring them daily revenue.

The CP2R program, available at http://cp2r.com , gives everyone a level playing field for success. It helps people, just like you and I, empower themselves, and create a situation where we are never at the mercy of some company to provide for our families!

It makes me happy to share this story with as many people in the world as possible, because it shows that it is possible to follow a few easy and simple steps to Breathe Life Into Your Independence and turn your life around.

Remember, there is always a way!

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By Dr. Jennifer Baxt, DMFT, NCC, DCC

 Debt is not something you want to have. It makes doing anything very difficult. Want to go on a vacation? Then you may have to pay off the credit card first. Want to move somewhere else, you may have to deal with the equity on your home and owing on it if you bought it for more than you are selling it for.

So, how do you keep debt from becoming a problem in your life? How do you stop this ugly monster from rearing its ugly head in your life?

Here are five things you can do to eliminate debt and keep your life free and easy with finances.

1. Budget: You should try and budget as much as you can. Budget everything you spend money on and make sure you include all the money you make. You should try and cut costs with your budget as well. Look at the money you are bringing in and sending out and make the right decision. A budget is one of the most important things you can have at your disposal.

2. Pay off current debts. You should save money with your budget and then use that money to pay off your debts. The less you pay on debts, the more money you will have. You may think of paying off debts as money you will never see, but for every dollar you dont pay in payments and interest, that is another dollar you now have at your disposal for other things.

3. Dont use so much credit. Debt comes from credit and the more you use credit, then the more interest you pay and the more debt you have. So, instead of buying something you may not need on credit, just wait and buy it with cash. Do you need that new car, or that bigger house? If you really dont then save your money and dont bring that extra debt into your life.

4. Build savings. With all your spare money, begin building a savings. A savings is a great way to keep away from debt. Even if you dont have any money on your credit card, but have no savings, you are in danger of debt. What happens if you have to pay $1,000 in car repairs? If you dont have the money you have to use credit. That is now $1,000 you have in debt. However, if you have the money in savings, you can use that as your cushion and pay off the bill without using any credit.

5. Get insurance. Insurance is the best friend you have to keep debt from becoming a problem in your life in many ways. With insurance, if something happens you did not plan for, like an accident, injury, death or disability, you dont have to worry about not being able to pay the bill or make the money you used to. Insurance is your safety net away from debt, so you should use it whenever you can.

Use these five tips and you can keep debt from becoming a major problem in your life.

If you or anyone that you know would care for more information regarding this post, feel free to visit http://www.creditrepairbydrjen.com

Jennifer Baxt, works with people who are having trouble with their credit and want to improve their score. We offer solutions to credit problems by removing negative items from credit reports. You can visit our website http://www.creditrepairbydrjen.com for more information.

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By Sybil Carver

 You have a mortgage, and would like to refinance the loan. But you know your credit is not very good, maybe even bad. There are lenders in the financial market that will make loans to people with less than perfect credit. As a lenders risk goes up so does the interest rate, so if you got bad credit you can expect a high interest rate. If you can drop your rate by at least 2 % saving money is still possible.

There are several questions you should ask yourself when considering refinancing your mortgage. First of all you need to know your credit stats. Has getting credit been a problem for you in the past, if so you will want to take control of your finances. Sign up for a credit monitoring service to look for ways to improve your credit. Try to bring the balance of some of the revolving accounts down before you refinance your mortgage. This will make lenders feel better about loaning money to someone with less than perfect credit. When you refinance your home mortgage you want to better the situation, instead of hurt it.

You will want to calculate all of the costs before making a decision to refinance. When refinancing you need to be able to lower your interest rate and it is always great to get a shorter loan life. Sometimes people are only interested in lowering their monthly payments. However, you will need to remain in your home long enough to benefit from refinancing. There would be no reason to refinance if you plan on moving within a few years. Take the time to figure out how long it will take to recover the costs of refinancing your home. Loans may offer a lower rate of interest but have excessive closing costs and fees. You should find out all costs involved including any additional income taxes you may be charged.

The 2 % Mortgage Rule

The two percent rule refers to your Home Mortgage rate, can you drop your new rate 2% below current rate. Lenders recommend that you refinance your mortgage if you can drop the interest rate two percent less than your current rate. This is just a general rule and should not be the only deciding factor when trying to decide whether to refinance or not to refinance. Are you planning to live in your home for over five years, or do you plan to move. This can be important factors when deciding to refinance.

The average the cost of refinancing is at least 3 % of your home mortgage loan. Three percent of the mortgage is a lot of money to spend, so you want to be able to recover these costs when refinancing your mortgage. If you are making payments on your home and plan to buy a larger home in the near future, then a drop in the interest rates may be the perfect time to purchase a larger home. This could be a great time to refinance, into a larger home. There are always many decisions to make when purchasing or refinancing a existing mortgage. To find out more on mortgages visit this website youhave2.com for all the answers you need.

Writen by: Vincent Robertson

http://youhave2.com

Read more on Refinancing with Bad Credit - Should you Refinance « bad credit unsecured loans genie

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By Thomas Billy

 A good bridging loans broker iswhat real estate proprietoris obligate to have.In financial market there isagentsout thereand they have different nature and philosophy.Most of people do not realizeisthat if you deal witha straightforward bridging loans adviser it willeasy make an impactin your view about securing a bridging loan.If you havea good loan agentyou will have stress-free bridging loan process.Consider it.So how do you know if you have a good broker.There are

somevery simplethings that will letyou right away if your bridging consultant isgood.

Simplest ways to know a bridging loans broker is just

with common sense. Does your adviser like to talk and have inspired point of view?

But there are also different factors to consider.Punctuality is importantand someone missing dates can be infuriating.

In case your agent says he will call at 6pm and they miss it

every time,it might be a problem.. Youreallywant someone punctual and also your loan on time.

Broker should be able to list off bridging loans and programs by heart as well. Be aware if he is flipping through a book every few minutes to look up terms. You should check all documents twice.

Contiguous way to tell if your bridging loan your agent is good is to

make sure he is willing to answer any question

.

Just ask agent something a couple times in one sitting to see what he do. .

UK best bridging loan rates you can find them on Belgraviacommercial.

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By Lew Nason

 ”What’s so different about the Found Money Management concepts, verses the Circle of Wealth, Missed fortune, Infinite Banking and LEAP concepts?”

Found Money Management is much more than a selling system. It’s a complete financial philosophy for helping Middle Income Families to “Live Debt and Truly Wealthy,” without them spending any additional money, or changing their current life style! It’s about helping people to understand and face the serious financial challenges we are all encountering right now, and then helping them to reposition their money and spending to achieve financial security and independence for the future. As the late Loren Dunton, the creator and founder of Financial Planning, said: “It’s about helping average people to learn how to spend, save, invest, insure and plan wisely for the future, to achieve financial independence.”

Found Money Management incorporates many of the best financial concepts presented in the Circle of Wealth, Missed Fortune, Infinite Banking and LEAP systems… And, these concepts are NOT New! They are the proven, ‘timeless’ financial concepts that most of the wealthiest people in the world have used for centuries to accumulate their wealth. And, they are the same concepts that have been used by many of the top producers in the financial services industry for decades. We’ve been using and training agents on how to adapt and use these sound financial concepts for the past 26 years.

Below are just some of the major differences between Missed Fortune, Infinite Banking, LEAP, Circle of Wealth… and Found Money Management.

The First Major Difference is that the Missed Fortune, Infinite Banking and LEAP systems are designed primarily to be used with the more affluent prospects. For example: The underlying premise behind each of these sales concepts is that you get your prospects to put as much of their money as they possibly can, as quickly as they can, into a cash value life insurance policy! In many cases, they just expect prospects to magically come up with the money from their current income. And/Or, they must come up with the money for the increased mortgage payments.

Would you agree that very few people, except the wealthy, have any extra money?

Using the Found Money Management concepts you’ll discover how to help your middle income prospects to ‘Find The Money’, so they can take advantage of these concepts without spending any additional money, or changing their current life style!

The Second Major Difference is that working with more affluent prospects (the wealthy) puts you in direct competition with all the other advisors out there. Doesn’t that make it much more difficult to set appointments and to close sales? Using the Found Money Management strategies, you’ll learn how to tap into the virtually untapped Middle Income Family market and avoid all that competition! And, you’ll close more sales!!!

The Third Major Difference is the Circle of Wealth, Missed Fortune, Infinite Banking and LEAP systems are primarily just sales systems. They don’t have a solid marketing, prospecting and appointment setting program that is transferable and puts you in front of your ‘Ideal Prospects’ on a daily basis. Would you agree that it doesn’t matter how good a sales system is, if you don’t have a continuous stream of people to see? Using the Found Money Management philosophies you’ll soon be attracting a steady stream of the ‘Right’ highly qualified prospects. You’ll have More Leads, More Appointments and More Sales!

Other Major Differences include:

Found Money Management is ‘NOT’ about ‘Harvesting Home Equity’ (refinancing) to put large amounts of money into cash value life insurance. In fact, many of the cases do not involve refinancing at all!

When refinancing is appropriate for the clients situation, we ‘DO NOT’ recommend using an Option ARM to remove home equity! In fact, in my 26 years using these concepts I have never recommended, or used an Option ARM with my clients!

You’ll learn the ‘Proper’ ways to use home equity!

All of their systems are very complicated. Found Money Management is a much simpler, common sense approach to helping people

You don’t have the exorbitant cost of their systems and their training! Their systems are $4,000 and more upfront, with annual re-licensing fees!

You are generally forced to sign up with one of their primary companies and take lower commissions to get the ongoing training and support you need with their systems!

Finally, we charge considerably less for our system, with ongoing training! And, we are not recruiters!

The Found Money Management Marketing Difference

The Basic Premise

We believe that Middle Income Families are a virtually untapped market. And, you won’t have the competition with all the other advisors. Many Middle Income Families are struggling financially and are looking for real help, which makes them much easier to see.

Consider, until now, most Middle Income Families have been at a distinct disadvantage when it comes to managing money and accumulating wealth. Most of the financial information being passed on by the major publications and many of the self-proclaimed financial experts is really geared towards people who are already wealthy. These are the people who can afford to take risks with their money.

These wealthy people live in a different world. They are not concerned about qualifying for college financial aid, so their children can afford to go to college. They are not concerned about eliminating debt to improve their cash flow, so they can afford health insurance, or put braces on Samantha’s teeth. They don’t have to worry about whether there will be food on the table or a roof over their family’s head, if something happens to them.

Our objective is to show you how to truly help Middle Income Families by using the little known, unconventional strategies that the wealthy have used for decades to accumulate and hold on to their money. The reason most Middle Income families continue to struggle today is because the conventional financial wisdom that has been passed on from generation to generation doesn’t work to accumulate wealth. This conventional wisdom is what our grandparents learned they had to do to survive during the tough economic times, such as the great depression.

The Basic Concepts

We’ve developed a unique educational financial presentation, to help people see and understand the financial problems they are facing today. Then we help them see there are simple solutions, based on many of the concepts found in the Missed Fortune, Circle of Wealth, Infinite Banking and LEAP. We’ve tailored these concepts to help you to correctly and ethically help Middle Income families to:

Reduce Or Eliminate Consumer Debt! - Families need real help to ‘Find the Money’ to break the chains of debt.

Maximize The Amount They Can Invest From Current Income! - Families need your help to Find The Money to put into savings.

Guarantee The Safety Of Their Investment Principal - With the recent losses in the stock market, most Middle American families recognize they can’t afford to lose any more of their hard earned money.

Minimize Income Taxes - Is there any question that income taxes can significantly reduce the amount of money available for savings!

Position Their Money To Provide Current Liquidity - Families need to have access to their money, without penalties, prior to age 65, for college, emergencies and other family expenses.

Maximize Investment Income - It’s not how much money you’ve accumulated. It’s how much income you have to spend. Tax Free provides more spendable retirement income than Tax Deferred!

We’ll show you how to make a real difference in peoples lives!

The Found Money Management System!

Using the Found Money Management marketing and sales system, you’ll learn how to:

Be in front of ‘40′ of the Right Qualified Prospects every month, using proven lead generation techniques, including low-cost client educational workshops, joint ventures, endorsements, dinner seminars and more…

Set Appointments With 9 Out of 10 of Your Ideal Prospects

Close 9 Out of 10 of Your Sales…

Earn an Average Commission of $5,000 - $12,000 per Householdand you’ll be earning $20,000 to $90,000 per month, every month!

Become the Respected Financial Advisor Middle American Families Want To See!

If you really want to help your family, friends, clients and prospects to “Live Debt Free and Truly Wealthy” and make a solid, high six figure income, then it’s time to find out more about us and our Proven, ‘Turnkey’ Found Money Management system.

And, It Doesn’t Matter What Life Insurance Sales System You Are Currently Using…

Whether you are using the LEAP, Missed Fortune, Infinite Banking, Circle of Wealth, or one of the various ‘College Funding’, ‘Equity Management’ or ‘Mortgage Early Payoff’ sales systems. The twelve (12) breakthrough marketing strategies, with our personal coaching will put you in front of more of the ‘RIGHT’ life insurance prospects in one month, than most agents will see in an entire year. And, when you really learn how to help your prospects to ‘find the money’ to fund the strategies in those systems, you’ll consistently close more sales.

There simply isn’t a better, easier and more cost effective way for you to learn how to help families and sell large cash value life insurance policies!

Lew and Jeremy Nason

Marketing and Sales Coach

‘The 9 Out Of 10 Guys’

Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

http://www.FastInsuranceSales.com

Where you’ll learn how to make 6-figures a year in insurance.

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By Lew Nason

 Americas finances are in turmoil. The personal economies of many individual Americans and their families are on the precipice of a disastrous failure. Few families have a personal plan to help them meet these financial challenges, and they need your help! Opportunities abound for insurance agents, financial advisors and financial planners who understand their problems and hold the solutions in their minds and hearts. You can draw these Americans back from the brink of financial failure!

But, how are you going to attract these people to you?

Don’t Believe All Of The Doom and Gloom!

Twenty-six years ago, when I first got started in this business, the United States was in the midst of a severe economic recession, much worse than it currently is today. In December of 1982, the U.S. unemployment rate had reached 10.8%, higher than at any time in the post-war era. Job cutbacks were particularly severe in housing, steel and automobiles. Twelve million people were unemployed, an increase of 4.2 million people, since July 1981.

By mid-1982, the number of bank failures was rising steadily. Bank failures reached a post-depression high of 42 as the recession and high interest rates took their toll. In 1983, another 49 banks failed, easily beating the Great Depression record of 43 failures set in 1940. And, the FDIC listed another 540 banks as “problem banks” on the verge of failure. In 1984, the Continental Illinois National Bank and Trust Company, the nation’s seventh-largest bank (with $45 billion in assets), failed.

Between 1980 and 1983, 118 S&Ls with $43 billion in assets failed. The FSLIC, the federal agency which insured the deposits of S&Ls, spent $3.5 billion to make depositors whole again. The FSLIC pushed mergers as a way to avoid insolvency. From 1980 to 1982, there were 493 voluntary mergers and 259 forced mergers of savings and loans overseen by the agency. Despite these failures and mergers, there were still 415 S&Ls at the end of 1982 that were insolvent.

During the 1982 recession, unemployment reached twelve million, the highest rate since the Depression; 17,000 businesses failed, the second highest number since 1933; farmers lost their land; and many sick, elderly, and poor became homeless.

Economic recessions in the U.S., and throughout the world, arent something new. They are a fact of life. Weve experienced many recessions through the years in the U.S., the last being in 1990. As a country weve survived each time, and well survive this one. The question isn’t whether you’ll survive; it’s whether or not you’ll prosper in your business?

Revealed… The Secret To Your Prosperity In Today’s Economy!

Fortunately for me, in 1982, in spite of being in the worst recession since the Great Depression of 1929, I was able to lead my office in sales, even though I was brand new to the insurance business. What I learned back then that made me successful in personal sales, and has kept me prosperous throughout the years, is that most people (average Middle American families) are struggling financially, and they need and want our help. And, when times are tough financially, these people need and want our help more than ever. I learned that to succeed in this business, during the good and bad times, its not about products, investment returns or a revolutionary sales idea. Its about helping average people to become more secure financially, in their lives.

Understanding What’s Missing In The New Sales Systems!

Many of the supposed revolutionary new ideas behind LEAP, Missed Fortune, Infinite Banking, Circle of Wealth, Equity Management and College Funding programs are not revolutionary or even new. They are actually the proven, sound financial principles that the best producers have been using for decades to help people to properly position and use their money, with safety and guarantees, to achieve financial security.

Unfortunately, agents and marketing organizations have bastardized many of these new sales systems and are focusing primarily on selling products and investment returns! These sales systems have been promoted, seen and used by many agents as a way to make quick, large sales. Many times the sale is made, whether its in the best interest of the prospect or not! The majority of the people using these systems have lost their focus on how to actually help people to identify, understand and solve their financial problems.

The extremely unfortunate part, for agents, is that some of these systems were developed when the economy was good; so there is very little, if any, sound marketing practices in them. These systems have very little, if any, real marketing to help you get your message out to people about how you can help them to solve their financial problems. They may be great sales ideas or systems, but they have no real marketing to help you attract enough of the right people to you, during the tough economic times.

Consider, when times are good financially, like in the 1990s when the stock market was soaring and unemployment was low, there will be some people who are ready, willing and able to take chances with their money. These are the people who have the get rich quick and/or live for today mentality! So, it is easy to attract and set appointments with them, if you have something new and exciting to show them.

However, during the tough economic times, much of the marketing in these systems just stops working, because there are very few people who are ready, willing and able to take chances.

You can survive and prosper during this worsening recession! But, only if you learn how to consistently attract the right people to you! Its about you learning how to actually help people to identify, understand and solve their financial problems, instead of just trying to make a quick, large sale with your hot, new, revolutionary products or ideas.

Lew and Jeremy Nason

Marketing and Sales Coach

‘The 9 Out Of 10 Guys’

Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

http://www.FastInsuranceSales.com

Where you’ll learn how to make 6-figures a year in insurance.

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By JD Dawkins

 Introduction

This article seeks to discuss some of the specific financial planning that needs to be considered by individuals in their thirties. The age range between 30-40 is significant time in relation to financial planning given that it is during this time that many financial decisions will directly effect retirement plans and long term financial matters, all of which will effect future prosperity.

1. Pension Planning

If you haven’t yet had opportunity to start saving towards a pension this is a critical time because failure to do so before you reach 40 will almost definitely mean that you will have insufficient time before retirement to build up a decent level of pension contributions to ensure a comfortable lifestyle.

Where possible join a corporate or government related pension plan as these employers often contribute additional amounts to whatever you can afford to save. So for instance if you put 4% of your wages/salary a month into a pension plan they will likely match it.

These schemes are often referred to as final salary schemes, as the pension provider promises to pay you a pension based upon your final salary before leaving the organisation and the level of financial contributions made to the plan. So the sooner you can start saving in your 30’s the more pension contributions you will have built up by retirement and the greater your final pension pay out.

2. Property Investment

If you have not yet been able to purchase your own property, your 30’s are a good time to get into the market. The benefit those in their thirties have over those looking to buy in their 20’s, is that you may already have 10 years worth of savings from employment which can be used to place a larger deposit on the perfect property. This often reduces the size of the monthly repayment levels and the total amount of interest you will have to pay in the long term. Whilst the decision to own a property is down to personal choice it is advisable, as property usually gains in value and is therefore a long term investment In the future you may be able to sell your property and downsize leaving you with a healthy profit with which to improve your retirement.

Delaying a decision until you reach 40 means that your may be unable to retire early in the future due to ongoing mortgage repayments into your 60’s or even 70’s. In addition insurance payments that you take out for the duration of your mortgage term to protect against critical illness or disability and life insurance or income protection will be cheaper than they would be at 40 because of your age.

3. Life Insurance

Life insurance gets more expensive the older you get because the risk of death increases with age. If you have not yet thought about life insurance consider taking it out now as it will never be cheaper. Whilst no one likes to think about death, it is important to protect loved ones from an excessive financial burden should you die early. Taking out life insurance whilst in your 30’s can save you anywhere between $300 and $600 dollars a year on an average policy.

4. Saving for your children’s education

If you have children as you reach your 30’s, planning for their future educational needs is now critical if you intend to give then a good start in life and not place excessive financial burdens on yourself another 5-10 years further along. College and university education can be very expensive. Costing between $30-40,000 per child. Whilst this figure is spread over a period of years it is important that you start thinking about how you will meet this cost now.

Also think carefully about what level of risk you are willing to expose yourself to as you save or invest for your child’s College/University fund. Do you really want to invest in high risk shares where the potential to lose your original investment is significant. Try instead investing in government bonds or placing money on deposit in a high interest savings account.

Summary

This article has attempted to explore some of the financial planning considerations for those in their 30’s and the commitment this requires. We have examined the importance of good retirement planning through sound pension and property investment along with the need to make contingency plans through life insurance in case of death. Finally we have explored the importance of thinking now about financing college or university education to dependent children.

J Dawkins writes extensively on money making and money saving subjects and authors his own personal finance blog, Friends & Money ,which is packed with the latest paid survey site and cash back shopping site reviews. You can also find an extensive collection of revenue sharing sites that pay you for your articles, or to share videos or chat online.

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By Debra L. Morrison

 Conversation Starters…

You need to talk. You need to talk money. You know it. But what you don’t know is how to bring it up! How can you get your partner to listen to you and open up in turn? Here are a few tips not only on how to get a conversation started, but to also keep it going!

Choose Your Words Carefully

When approaching your partner for a conversation on an important issue, you must eliminate words such as “but”, “always”, and “never” as these words are inflammatory and will elicit defensive responses from your partner. People can’t and won’t listen when they feel attacked or when they feel badly about themselves! Rather use corrective language - reframe your words to be proactive and reflect your own feelings instead of accusing the other. Start conversations by using positive statements!

For example:

THE WRONG APPROACH…

“We’ll Never be able to retire.”

“You Always dismiss my concerns. I’m not stupid, you know.”

“How do you expect me to stretch this money to buy holiday gifts?”

“If you think your mother’s coming to live with us, you’ve got another think coming.”

“I sure hope you’ve put some money away for Johnny’s college.”

THE RIGHT APPROACH…

“I’m concerned about our retirement.”

“I know I’m smart but I’ve avoided money matters. I need to become more informed.”

“I’d like to sit with you and figure out what we need for holiday gifts in addition to our basic expenses.”

“I’m concerned about how we can manage to have your mother live with us.”

“I’d like to know our financial plan for our children’s education.”

A good way to open conversation with your partner is to discuss what you know or hope to be mutual dreams and goals:

“Do we want to travel?”

“Do we want to see the grandchildren on birthdays?”

“Do we want to join a country club?”

“Do we want to be more visible in the community, and invited to more prestigious social events?”

“Do we want to be more philanthropic?”

“Do we want to gift our grandkids money for college/start a business?”

“Do we want to start our own business?”

“Do we want to volunteer for our favorite charities?”

“Do we want to participate in house swaps around the world?”

“Do we want to plan singular events and also joint events as we retire?”

… “Then let’s talk about how to work together to achieve that!

But, now that you are discussing it, what steps DO you take to achieve your goals?

1. Write down your goals on a timeline,

2. Gather a list of all your financial assets,

3. Re-align investments to goals, consolidating accounts when possible; i.e., IRAs, SEP IRAs, pre and post-tax IRAs, can be combined,

4. Ensure that your CFP, CPA and attorney are strategizing with each other on your behalf,

5. Review investment portfolio and financial plan at least annually.

Following these guidelines to open a conversation with your partner about your finances could have rewards that reach well beyond just the health of your bank account. Open dialogue leads to sharing of stresses and burdens, helps reestablish mutual respect, and empowers each member of the relationship to make changes for the better. So take control of your money and your life, and ask your partner “Can We Talk Money?”

Debra L. Morrison is a sought after international motivational speaker who motivates audiences of mature women to master their finances, through generous helpings of humor and analogy. Debra’s special personal attributes, coupled with her wealth of experience gained from heading her own firm for 14 years.

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By Lew Nason

 Have you ever met with a prospect or client and have them tell you; “That’s not what the financial experts like ______________ say?” It’s frustrating, especially when you know the expert they are talking about is not really a financial expert and most of the advice they are giving in many cases is worse than worthless… It’s actually hurting many people.

Here is an article we wrote for the monthly client newsletters we provide, that agents and advisors are sending to their clients. Articles like these in a monthly newsletter that you send to your clients and prospects, can help you to overcome the bad advice from the so-called financial experts.

Money for Life, in good times and bad!

There are a lot of TV and Radio personalities who have written books and are promoted as being experts about how you should manage your money to become financially independent. Theres Suzie Orman (Women and Money), Dave Ramsey (The Total Money Makeover), Robert Kiyosaki (Rich Dad, Poor Dad) and the list goes on and on. Then there are the financial columnists like Scott Burns (The Dallas Morning News), Jonathan Clements (Wall Street Journal), Ben Stein (New York Times) and others.

Unfortunately, most of these popular financial personalities have very few, if any, real credentials in the financial world. Theyve made their money by selling their wares and rarely practice what they preach. They have little or no experience in actually helping people one on one. Much of their advice is too general in nature to really be of much use to most Middle American Families. And, their blanketed financial advice has probably hurt more people than its helped.

There are only a handful of books, written by financial professionals who have 40 years or more of real life experience working with and helping families. One such book, recently self-published, is Money for Life by Jeffrey Reeves, MA with Dr Agon Fly.

Here is a short excerpt from the introduction of the book

Americans are trapped in a dysfunctional financial model that incessantly chants its mantra: You can have everything you need and anything you want as long as you have enough credit! You can have the sixty inch flat panel TV from the big box store, the new SUV, the dream vacation, the lavish it-only-happens-once-in-a-lifetime wedding, the upscale home in the hottest new neighborhood, a perfect retirement, and on and on and on

To this way of thinking I can afford it, really means you have enough income to make the payments - including huge amounts of interest. It whispers that you only get to use the things you buy; that you really dont own them. But, it shouts that just having them proves your wealth and worth. This model is designed to make others wealthy at your expense. It makes bad decisions feel good.

This model is called the Debt Paradigm.

And, when some life event decimates your income and Debt Paradigm decisions dump you into a dungeon of despair, some credit repair guy slithers from the shadows to show you the way out of the darkness and back into the light of this failed model - so you can do it all again.

There is a better way.

Money for Life shows you how to take control of the money that flows through your life without giving up your lifestyle. Money for Life works for you in good times and bad. Job loss, disability, illness, family crisis - or any other life event that could throw you for a loss - becomes manageable.

Money for Life lets you look forward with confidence in good times and bad, so you never have to look back with regret.

If you are concerned at all about your financial future, then you should read this book.

‘Money for Life, in good times and bad!’ is one of the very few books that I’ve ever read that really helps people to understand the true and total value of Cash Value Life Insurance.

But, more importantly it first addresses the financial problems people are experiencing, before it provides the solution… Cash Value Life Insurance!

Lew and Jeremy Nason

Marketing and Sales Coach

‘The 9 Out Of 10 Guys’

Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

http://www.FastInsuranceSales.com

Where you’ll learn how to make 6-figures a year in insurance.

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By Britney Simpson

 Foreclosure happens when the owner defaults on the payments and lending institution repossesses the collateral for the loan in question. Mortgage is securing a loan through collateral. Refinancing a mortgage is a popular practice among numerous homeowners, allowing them to renew the terms of their loan and escape a dreadful situation like foreclosure. In the midst of all these financial obligations, it kind of makes sense of seek out mortgage refinancing help. Plus, you never know when you might need foreclosure help.

Lets talk about mortgage refinancing help. First and foremost, you should be able to use the Internet and find out all the information you need on the subject. Specialized resources can be easily found and they usually abound with advice. Using the World Wide Web, not only you will get mortgage refinancing help but you will also be instructed on how to benefit from taking on a new loan. You will be explained various options and given important advice regarding lenders and their refinance loans. Armed with such knowledge, it will be impossible not to take a decision that is in your own advantage.

And how about foreclosure help? Do you need it? Well, as much you think are handling the situation, there might come a time when you find the whole thing overwhelming. In that situation, you might be interested to know that the law is on your side and that you stand a chance to rise to the surface once again. Foreclosure help is available to all those who have a claim against their lenders, specifying that certain aspects of the law have been breached. Recovering money damages is possible and so is voiding the mortgage, being declared invalid in a Court of Law. This might be an option in case of repeated refinances for existent loans and not only.

Whether you are interested in foreclosure or mortgage refinancing help, you should be happy to know that there are so many useful resources online. Some will teach you important lessons about getting the best deal when it comes to mortgage refinancing, while others will concentrate more on giving valuable advice about acting in disregard of the laws. Lenders should not offer mortgage refinancing that has an excessive interest rate, they should not agree to repeated refinances for short periods of time and they certainly should not charge absurd sums of money for such mortgages. All of these constitute a violation of the law and it makes them subjective to a claim from the borrower. If you find yourself in any of the situations mentioned above, do not hesitate to ask for foreclosure help and put to good use all the advice you receive.

Getting mortgage refinancing help is extremely important if you want to escape impending debts and regain your financial independence. The real estate market can be a tricky place and you need all the help you can get to make sure you choose the right lender. Find out more about the application process, why pre-approval matters so much and how is your credit score affected by different lenders. Do not let the guard down and arm yourself with as much information as you possibly can. You will discover that it was all worth it in the end!

If you are seeking foreclosure help, we can definitely provide you with the information you need. We consider ourselves to be a very useful source of information, including when it comes to offering mortgage refinancing help. Dont hesitate to come to us as soon as you can!

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By William

 There are a lot of people who are on the look out for interesting as well as lucrative careers. Most of them are looking for a career that requires minimum input as far as daily chores are concerned, will require minimum time and offer great returns. If this is what you have been looking for and you have been drawn to real estate then you need to rethink your strategy. For while each one of the above mentioned things are true, it is also true that you need to have a deep understanding of real estate. You simply cannot plunge into it without knowing what is expected of you if you wish to be a real estate investor. So what is it that is required of you?

Not an investment

The most important differentiating factor in real estate and any other form of investment, say equities is that real estate is not just about pure investment. It requires you to be adept at the daily acquisition, management of finances and the disposition chores that may be required on your part. If you are totally new to this field then it might be better to collect as much information or even get a job as a resident manager. You could also land a part time job as a property manager. This will give you a better idea about the financial management part of the career. Looking for articles that focus on the jobs of real estate agents is also recommended. This will give an insight into the dealings that go on as far as property is concerned. There are a lot of people that get into this job part time and learn the tricks of the trade before getting into it full time. But while you are on this job, you will only be paid on a commission basis. If you are looking for a full time job, then youd rather take up the job of a salaried secretary of a top realtor.

In depth study

After you gather the necessary information about workings and dealings in the field, the next thing that you need to do is study the field as closely as possible. There are a lot of good books out there that will help you to get an in depth knowledge of the field. Remember, like any other field, real estate too has a lot of hype and it is not always goody goodies when you get into this field. If you are looking for rental income then you need to be prepared to face the hassles of being a landlord. This is not the easiest thing to do. There are certain courses available which might help you gain a lot of knowledge. But there is nothing like on the job training. Once again, seek information from a reputed source only. The exceeding demand for quality real estate information has led to an increase in the number of con men who have started many scams. Beware of these. Finally, give yourself some time. Set realistic goals and very soon you will be making the most of this new age career.

William King is the director of Canadian Wholesalers and Canada Dropshippers Dropshipping Directory, UK Wholesalers Suppliers & Wholesale UK Directory, Dubai Property & UAE Property & Dubai Real Estate Portal and Pakistan Property & Pakistan Real Estate Portal. He has 18 years of experience in the marketing and trading industries.

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