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- How Bedtime Stories Can be a Major Influence in Child Development - by Submitted on Mar 07, 2010 from Daniel BrittonFor hundreds, if not thousands of years, parents have known that reading bedtime stories can help kids relax and fall asleep more easily. They also help develop reading skills and in emotional child development, but you may not be aware that they also act as a form of hypnosis. In which case ...
Views: 4459(2 votes) - Pay Yourself First - by Submitted on Dec 05, 2010 from Eugene Yiga“If thou wilt make a man happy, add not unto his riches but take away from his desires.” – Epicurus I’m sure you’ve heard how important it is to pay yourself first. But do you? Are you making provision for the future in order to achieve your personal goals? If not, it’s probably time you ...
Views: 1984(8 votes) - Ready, Steady, Invest! - by Submitted on Dec 05, 2010 from Eugene Yiga“To send the common people to war untrained is to throw them away.” – Confucius With the economy in such a state, it’s hard to know who to listen to, especially when it comes to something as important as managing your money. And yet now seems like the perfect time to take advantage of so many ...
Views: 1615(2 votes) - How to Clear Credit Card Debts - by Submitted on Feb 27, 2010 from Charles TaylorMany Americans today are struggling with persistent heavy burden of credit card debt. According to the Federal Reserve, the outstanding consumer debt was $2.55 trillion, in March 2009 in America. Revolving debt, which mainly consists credit card debt stood at $945.9 billion. This can be the ...
Views: 1154 - Lessons From Behavioral Economics - by Submitted on Feb 25, 2010 from Steve GillmanThe filed of behavioral economics repeatedly shows that we are not as rational as we think when making financial decisions. No big surprise there. But can we become more rational with our money? We can if we learn to spot our irrational tendencies and correct them. Let’s look at some ...
Views: 1250 - 5 Easy Ways to Network Like a Veteran - by Submitted on Feb 24, 2010 from David LindahlYou have one chance to make a first impression and in this business, networking is your key to success. I talk a lot about having teams of professionals who are ready to help you accomplish your goals. I also talk about making sure that your deal pipeline is full. None of this can happen ...
Views: 1493(6 votes) - Top 5 Tips for Finding a Good Accountant - by Submitted on Feb 23, 2010 from Ken MayBy Ken Jan 22 With the ever-changing nature of U.S. tax law, you may want to think twice before tackling your own personal or business tax return. A knowledgeable professional may be more qualified to prepare your taxes. A good accountant can make a BIG difference in your tax liability, ...
Views: 2901(3 votes) - You shouldn’t fear credit cards as much as you do - by Submitted on Feb 22, 2010 from James BoukaA majority of adults in western society will carry a credit card of some sort, they have become so commonplace that you would look out of place and may sometimes miss out on a deal for simply not having one; think Airmiles for example. Credit cards have become so widely accepted yet they can ...
Views: 1384(3 votes) - 5 Reasons Why You Must Stop Working With Your Broker - by Submitted on Feb 22, 2010 from catherine averyDo you know the difference between a broker and an investment advisor? Did you know there WAS a difference? Well, there is… and it’s BIG. Brokers have major conflicts of interest, can have hidden fees and often do not even directly handle your money. In fact they may not even KNOW the ...
Views: 1894(1 vote) - Debt Settlement - Can I Just Settle My Credit Card Debts by Myself? - by Submitted on Feb 13, 2010 from Jesse NiesenIf you have just a couple of debts, or under $10,000 in total unsecured debt, then you could try to talk to your creditors directly to settle the accounts yourself. However, if you have over $10,000 in debt, especially if you have over $25,000 in total debt, or you just need the structure ...
Views: 2095(2 votes) - Credit Card Debt Settlement - How Do I Choose a Good Debt Settlement Company & Avoid a Nightmare? - by Submitted on Feb 13, 2010 from Jesse NiesenDebt settlement is the fastest way to get out of credit card debt for the least amount of money and avoid bankruptcy. If you are one of the millions of Americans struggling through financial hardships today, debt settlement may be your very best option to be debt free ...
Views: 3099(5 votes) - Debt Settlement - What Percentage of a Debt is Typically Accepted in a Settlement? - by Submitted on Feb 13, 2010 from Jesse NiesenI'm often asked by subscribers, "What percentage of a debt is typically accepted by creditors in if I do debt settlement?" This is a great question, and it's important to set the right expectation when considering debt settlement. Many of the fly-by-night companies who have started ...
Views: 24403(3 votes) - Debt Settlement Tax Avoidance - How Will Debt Settlement Affect My Taxes? - by Submitted on Feb 13, 2010 from Jesse NiesenIf I settle my credit card debt, how will these significant savings affect my taxes? This is an interesting question when considering how to get out of debt. In general, the IRS considers $600 or more of debt which is forgiven or discharged as income. This mean if you owe $50,000 in credit ...
Views: 2472(3 votes) - Are You Financially Irresponsible - by Submitted on Feb 02, 2010 from Francis HoseinYou may be doing things in your life that are showing to you and others that you are financially irresponsible and it is difficult to stop the train wreck in your life with your family. Hard to change your life style You may want to give your children what you did not have as a child ...
Views: 3506 - Are You in Denial and in Debt - by Submitted on Feb 02, 2010 from Francis HoseinAre you in denial and in debt to the point that it is affecting your whole family? How far do you need to go with being in denial before you lose your family? Get divorce Money is the number one reason why people get divorce because there is not an agreement with the family spending ...
Views: 1153(1 vote) - Is It Easy for You to Get Real About Your Finance - by Submitted on Feb 02, 2010 from Francis HoseinIs it easy for you to get real about your finance or is it a subject that you do to avoid at all cost? You may find when the subject of finance comes up you may leave the room or attempt to change the subject because of the fears that is attach to it. You may not feel it is difficult to ...
Views: 1051 - What Hidden Emotions are Express with Your Finance - by Submitted on Feb 01, 2010 from Francis HoseinDo you know what hidden emotions are express with your finance or is it hidden in plane site from you and your partner? Someone to bail you out There are many emotions express in your finances and some of these are shown as when you get pay and you do your best to spend all the money ...
Views: 1078 - Credit Card Debt Relief: How It Can Help You - by Submitted on Feb 01, 2010 from Mark StjeanCredit card debt relief is in fact possible today. This is the basis and contention of this article. Thank you for reading. There are sometimes what appears to be conflicting solutions being offered and put forth by those in the credit and debt financial industry. The reasons are very simple ...
Views: 1114(1 vote) - The Variety Of Financial Aid Available To Students - by Submitted on Jan 29, 2010 from Amelia JacksonEducation is one of the most important aspects of any person's life. In most cases, a child without education ends up spending his or her life doing petty things and trying to survive through his whole lifespan. Furthermore, education is a major part of a person's personality. This is why the ...
Views: 908 - Training Nonprofit Board Members to Read and Understand Financial Reports - by Submitted on Jan 25, 2010 from Sharon MikrutOne of the items board members are responsible for is to monitor the financial situation of the organization. As such, board members should be familiar with the types of financial reports the organization uses to demonstrate its financial standing. This article identifies the types of financial ...
Views: 2248 - Repairing Your family Credit Score - by Submitted on Jan 24, 2010 from Paul RodgersA good credit score is going to guarantee you that at the very least your credit applications have higher likelihood of getting approved. There are many details that an individual ought to learn about just how to ameliorate your credit score. This is principally helpful as well as valuable ...
Views: 1511 - Financial Education - Who should be teaching your children? - by Submitted on Jan 22, 2010 from Daniel BrittonThe current financial crisis has sharpened the focus on the need for better financial education across all segments of the population. Just as information and guidance on healthy eating and exercise can prevent a lifetime of obesity, effective financial education, when started at an early age, ...
Views: 2398(2 votes) - "Money Doesn't Grow on Trees" - by Submitted on Jan 20, 2010 from Craig Lock"We share what we know, so that you and your money may grow." * MONEY DOESN'T GROW ON TREES "Money isn't everything - but a lack of it is." "Money is a terrible master, but an excellent servant." - PT Barnum (American circus showman) "Money can't ...
Views: 1115(1 vote) - Discover the Five Essential Tips For Financial Wellness During Your Divorce - by Submitted on Jan 19, 2010 from Lori Snyder"The waste of money cures itself, for soon there is no more to waste." -M.W. Harrison Divorce is a major undertaking and transitional time for many. Your emotions are usually running very high during the beginning of your divorce. There are many mixed feelings; you will feel like you are on ...
Views: 2284(3 votes) - ***You Decide Where Your Financial Sails Go – So What Have You Chosen? - by Submitted on Jan 15, 2010 from Margaret GoodIt is hard to believe but we do have everything we need in this life right in front of us. Acknowledging the fact that we have everything we need to be happy, healthy and whole is based on the meaning we project on the various objects and activities in our life. The hard part in the journey of ...
Views: 1531 - Get Out of Debt FASTER: 8.5 Tips to Find Extra Cash! - by Submitted on Jan 15, 2010 from Jesse NiesenDo you have any kind of lump sum to put towards paying off your debt? If you’re even a little bit concerned about your cash flow right now because it’s limiting some of your debt relief options, then you may be curious how many of my debt free clients discovered a variety of creative ways to ...
Views: 1556(2 votes) - Debt Settlement Secrets: Stopping Creditor Calls - by Submitted on Jan 15, 2010 from Jesse NiesenTHE BEST WAY TO STOP COLLECTION CALLS ASAP DURING THE DEBT SETTLEMENT PROCESS. This only applies to people in a legitimate debt settlement program, such as the debt settlement programs I endorse. If you are not yet enrolled into a debt settlement program, be sure to read this Debt Settlement ...
Views: 2908(3 votes) - Credit Counseling WARNING: “Lies Exposed!” (Watch Out for these "Debt Consolidation" Traps) - by Submitted on Jan 15, 2010 from Jesse Niesen(The shocking, whole-truth Credit Counselors don’t want You to know about Debt Consolidation) You’re deeply in debt, wondering which way to turn. You’re confused, worried, and so stressed out you can’t think straight. What do you do? Most people first think of the words "debt ...
Views: 2537(3 votes) - How to Avoid Being Broke & Stupid: "Secrets of the Rich" for those Deep in Credit Card Debt! - by Submitted on Jan 13, 2010 from Jesse NiesenWhat's the most powerful force in the Universe, and does it work for or against you? When asked what he thought was the "most powerful force in the universe," Einstein replied, "Compound interest." Startling Statistics: (According to the Federal Reserve) • 49,000 U.S. Households ...
Views: 2943(2 votes) - When it came to Money Management - My High School Diploma and College Degrees Failed Me - by Submitted on Jan 09, 2010 from Kent GwilliamI have a degree. Yes, an advanced degree from a highly respected university. It opened some doors to making a good income. But something was missing . . . It seemed like no matter how much we made, there wasn't enough. In reality, making money wasn't the problem. What we did with it ...
Views: 838 - Improve your Forex Trading with Price Action Analysis - by Submitted on Jan 07, 2010 from Nial FullerMany forex traders struggle with finding a solid method that is both adaptable to changing market conditions yet consistently brings positive results. There is a ton of information on the internet about various ways to trade the forex market and even more so called “gurus” trying to sell you an ...
Views: 1307 - 9 Tips to Avoid Becoming an Investment Fraud Victim - by Submitted on Jan 05, 2010 from Allen NeuenschwanderInvestment fraud is as old as the world itself. From the day we stopped trading livestock and produce and began using money as a means of exchange, dishonest people have been trying to cheat and swindle it away. Though it is an old problem, recently Bemie Madoff and now (allegedly) Allen ...
Views: 1426(3 votes) - ESSENTIAL STEPS TO FINANCIAL FREEDOM - by Submitted on Jan 03, 2010 from Suzanne QuinnIn her new book, Own Your Life, 7 Essential Steps to Independence, author, speaker and lawyer Suzanne B. Quinn guides the reader through the seven essential steps to personal and financial security and independence. This article is an excerpt from her book, comprising one of the seven ...
Views: 1622(6 votes) - SATs = College Money! - by Submitted on Dec 31, 2009 from Jeanmarie KellerWith SAT season approaching for Juniors, one of the areas where you should step-up your efforts is in your preparation for standardized tests! If you are targeting financial aid, your standardized test score becomes CRITICAL because it is relied on much more in determining financial aid ...
Views: 974(1 vote) - Question For Jean: “What exactly is an EFC?” - by Submitted on Dec 31, 2009 from Jeanmarie KellerDear Jean, We attended a college financial aid night at our daughter’s school and the state representative kept using the term EFC but never truly explained it. What is it and why is it important? Signed, Confused in Nesconset, NY Dear Confused, The “EFC” is financial aid lingo ...
Views: 959(1 vote) - Seniors, don’t forget to recognize what you’ve done, rather than always focusing on what isn’t done! - by Submitted on Dec 30, 2009 from Jeanmarie KellerThe other day I was on a coaching call with one of the seniors in my practice and she was feeling overwhelmed — she’s in the middle of volleyball season, has four AP classes this year and is working hard to try and get her applications wrapped up. I was impressed, but she didn’t seem to ...
Views: 748(1 vote) - When It Comes To College, Are You Setting the Right Goals? - by Submitted on Dec 30, 2009 from Jeanmarie KellerYou've set the intention: "I'm going to college". Congratulations! A college education can provide opportunities and valuable tools to help you achieve your goals. Setting the right intentions is critical to actually achieving the outcome you're looking for, but too many students make "going ...
Views: 662(1 vote) - 3 Quick Tips For Financial Aid - by Submitted on Dec 26, 2009 from Jeanmarie KellerI was answering a request for help from “Help A Reporter Out (HARO)” and decided to “Help A Student Out”, too, and post the tips I shared. When it comes to the college admissions and financial aid process, you’ve got to approach it like a business because colleges are businesses. Benevolent, ...
Views: 838(3 votes) - First Time Buyers: How To Jumpstart Your Credit To Buy A Home - by Submitted on Dec 24, 2009 from Christopher ShawTis’ the season for gift giving, however, instead of spending all that time, energy and money on stacking gifts under the tree this year, why not try giving yourself the gift that keeps on giving. The 700+ credit score. Your credit history holds a very significant key to your new home. It ...
Views: 1306(3 votes) - First Time Buyers: How To Jumpstart Your Credit To Buy A Home - by Submitted on Dec 24, 2009 from Christopher ShawTis’ the season for gift giving, however, instead of spending all that time, energy and money on stacking gifts under the tree this year, why not try giving yourself the gift that keeps on giving. The 700+ credit score. Your credit history holds a very significant key to your new home. It ...
Views: 1360(3 votes) - What Every Home Buyer Should Know About Their Credit! - by Submitted on Dec 23, 2009 from Christopher ShawYour credit score is extremely important in the home buying process. It plays a huge role in how lenders view you as a borrower. Your score helps lenders determine how much of a risk you are, the lower the score the more of a risk they feel you will be to default on the loan. It also ...
Views: 1280(3 votes) - What is Voluntary Liquidation? - by Submitted on Dec 19, 2009 from Simister MikeIn contrast to Compulsory Liquidation, which is initiated through a court order, Voluntary Liquidation is, as the name implies, undertaken voluntarily. Either the shareholders of a company initiate voluntary proceedings or the company directors undertake them. The legal formalities differ in ...
Views: 1181(3 votes) - 3 Very Important Stock Trading Tips - by Submitted on Dec 17, 2009 from Dingane .From all the hundreds of stock trading tips that I’ve been offered over the year, there is 3 of them that made the biggest difference in my trading life. Although most of the tips revolved around being persistent, being diligent and being emotionally neutral none of those made any real black and ...
Views: 1873(3 votes) - Looking for Kid-Friendly Banks? 5 Tips for Choosing the Right Bank for Your Child - by Submitted on Dec 10, 2009 from Herb Kay**Check Out My ABC News Now Segment on Kids and Banking http://www.herbkaysos.com/HerbKayPress.php My son is 18, just graduated, and is going to college. I got him his first debit card two years ago and I consider this one of the best ways to teach a child about personal finance. The most ...
Views: 2075(2 votes) - Mortgage Wellness Part 1: Stop Paying Too Much! - by Submitted on Nov 20, 2009 from Lin EnnisOne doesn’t hear it from mainstream media, but most people are still paying their mortgages on time, every time. Even if defaults rise to 25%, three-quarters of mortgagors will still be all right. With that in mind, you can fine tune your mortgage’s health. First, a basic principle. How you ...
Views: 1446(2 votes) - Position Yourself For A Market Recovery - by Submitted on Nov 18, 2009 from Ted CiubaPosition yourself for a market recovery. Hey come on—don't buy into the prevailing sentiment. This is the stuff that Getty and Rockefeller talk about. When 80% of the people think everything is going to get worse and it's crashing, and there's no light at the end of the tunnel, when 80% of ...
Views: 1219(2 votes) - What type of Property Investor are you - Lion or Lamb? - by Submitted on Nov 17, 2009 from Michael YardneyIt 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: 2147(10 votes) - The Golden Rules of Property Investing - by Submitted on Nov 17, 2009 from Michael YardneyAs 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: 2868(11 votes) - Small Business Loan: It’s Time Select An Ideal Deal - by Submitted on Sep 20, 2011 from robert lingdonIf one is thinking to expand the business or want to set up the new business, but shortage of funds is working as an obstacle. Unlike earlier days, when borrower followed lenders for emergency as well as long term finances, today loans for short term and short amount is also available. If you ...
Views: 809(3 votes) - How to Find the Best Annuity Rates - by Submitted on Mar 19, 2013 from Lisa CintronAn 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: 1820(4 votes)