RSS Feeds
Twitter
Facebook
Tips for Building and Maintaining a Good Credit Score
Posted on | January 19, 2012 | No Comments
By Elise Brown
A vital component to your financial future is building and maintaining a good credit score. Without the proper knowledge, it can be difficult to figure out what decisions will help you achieve your credit goals, but educating yourself is quite easy. There are lots of tips and tricks you can use to learn proper financial habits and build your credit so that when you need to use your credit score to get a loan or buy a new home, it will be good enough to get you a good deal. These are just some of the basic tips you could use to build and maintain a good credit score.
1. Protect your identity in any way possible. If you should become a victim of identity theft, your credit could suffer tremendously. You don’t want your reputation ruined by someone else, so keep your personal and financial information safe by using trustworthy websites and keeping documents locked in a safe place. Read more
|
|
|
|
|
Comments
Cut Your Goals According to Your Willingness to Pay the Price
Posted on | January 16, 2012 | No Comments
Goals are easier set than achieved. When it comes to setting goals, most people think it is about making wishing, hoping it will come true. So we make a wish list, label it goals and go after it half heartedly notwithstanding our lack of commitment to pay the full price. When push comes to shove, we fizzle out and return to status quo, backed by excuses why the goal is not realistic.
There is nothing like and unrealistic goal, unless you are truly attempting the impossible like violating a law of nature. If someone has achieved it before, then it is doable. There are millions of goals no one has ever achieved before which is waiting for someone to pay the full price to obtain it. There are new frontiers yet to be conquered in every field of human endeavor. What is unrealistic is attempting to obtain the prize by paying half the price.
As humans, we love taking the easy way out. We naturally follow the path of least resistance, trying to get something for nothing if possible. We love freebies and discounts. Unfortunately in real life, there are no freebies, discounts or payment plans. You have to pay the full price upfront before we can obtain the prize. We have to follow due process. There are no short cuts. Your ability to achieve is governed by your ability to pay the price. The bigger the price you are willing to pay, the bigger the goal or price you can attain. Read more
Comments
Investing Your Money Is More Valuable Than Wasting Your Time
Posted on | January 14, 2012 | No Comments
By Izzy Woods
Many on lower incomes will falsely believe that the answer to their problems is a second job. More time away from their families and friends to grind out minimum wage after a tough day at their main job takes them from surviving to saving some money each month into a basic low interest account. The question becomes how much strain can the individual really take? Is this temporary measure going to improve life in the long term? For most workers, sadly, this solution stores up problems such as unhappy children at home and a future dependent on overworking to make enough money. It’s a temporary solution just like taking out 0 interest credit cards it pospones the inevitable problems rather than solving them.
“Instances of people living by one employment, and, at the same time, deriving some little advantage from another, occur chiefly in poor countries.”
Adam Smith: An Enquiry Into The Nature And Causes Of The Wealth Of Nations (Google Books Edition: Page 49)
Smith wisely notes that this behaviour – working a large number of hours for a very low financial reward – was mostly confined in the past to poor nations. The fact that many workers now return to these patterns of survival is a sign of a couple of factors. A declining economy and an education and skills gap make these behaviours more likely amongst the workforce. We’ll show that many workers would be wiser to use their time to address these issues and use their money to invest in their future rather than continue to spend at their current rate and work for a tiny wage in their ‘free time’ after their day job to fund that overspending. Read more
Comments
Financial Freedom for Employees
Posted on | January 13, 2012 | 1 Comment
The decision to write the EBook “Financial Freedom for Employees” was inspired by the topic of a presentation I was invited to make by a company to an audience of about 30 employees on Financial Freedom sometime last year. My original plan was to give the EBook free to all attendees of the seminar. However, I could not get it ready on time as the seminar came and went. I never went back to finish the EBook due to work on my upcoming book and other commitments.
In line with my decision this year to part ways with procrastination, I dedicated a couple of days to finish up the EBook and make it available to you, as my way of saying thank you for visiting this blog and wishing you the best for this year as you go for your financial goals this year. You can also access other excellent FREE EBooks HERE.
In the EBook, I have tried to answer some frequently asked questions by readers of this blog. Most of the questions are sent privately to me. Since I do believe a lot of employees have these same questions, I have decided to package it in form of an EBook free to download by all visitors of this blog, especially employees. Read more
Comments
Latest Posts
Newsletter Subscription
Categories
- No categories
Popular Posts
Sorry. No data so far.