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MY WEALTH    


Lottery, sweepstakes and other tax on fools

Lottery, Sweepstakes and Other Tax on Fools                                                 Posted: Aug 2010  

Lottery, Sweepstakes, Betting and other forms of gambling are tax on fools. The profiles of the people who play such games are those who do not understand statistics. You do not need to be an expert for the statistics. If the lottery or sweepstakes are designed to make people rich, than you would see many rich people all around you. How many people you know that made money on lottery?  Read More


Guarantor

Financial Trap: Being Guarantor for Somebody's Loan                                Posted: Jul 2010  

The banks are trying to ensure themselves from the risks by requiring guaranties for the loans. Sometimes they require mortgage, sometimes they require Guarantor ( Warrantor or Co-debtor ). If somebody asks you to be guarantor for his own loan, you are risking a lot. Read More


Get Poor Because  "I Deserve It" Motto

Get Poor Because "I Deserve It" Motto           Posted: Jun 2010  

Millions of women around the world know advertising campaigns in which they are suggested that they deserve only the best. Many would say that it's not so bad. But celebrity culture is forming the opinion that women deserve just about anything and at any price - luxury handbags, clothes and expensive travel. So Cheryl Cole, in a commercial for anti-wrinkle cream, suggests to millions of women that every women simply deserve only the best, and immediately. Who wouldn't agree with that? Read More


Financial Trap: Borrowing Money

Financial Trap: Borrowing Money                  Posted: Jun 2010  

Even if you became smart and decided that you will not loan any more money, since you realized that this may lead you to financial ruin, you are not safe yet. There is one more way to ruin your financial stability. You can weaken and ruin yourself financially if you borrowing your money to the others. It does not matter if you lend the money to a friend, cousin or a brother, you are wasting your money, and much more. Read More


Fiancial Trap: Debt Consolidation

Financial Trap: Debt Consolidation               Posted: Jun 2010 

Reprogramming of the credit, or debt consolidation, is changing of the credit conditions. In most of the cases it means that the credit period is extending. As there is more and more people who can not pay or want to change current payment setup, the banks are offering the possibility to reprogram their dept. Debt consolidation may look interesting, but if you explore the subject deeper you will understand that the interest rate is not lower... Read More


Interest Free Fraud

Financial Trap: "Interest Free" Credits              Posted: May 2010  

So called “Interest-Free” or “free” consumer credits, payable by credit card or check, are the nothing else but the marketing trick. “Interest-free” credits are spread through the trade like a plague. They offer you furniture, household appliances, electronics or clothing as interest free. But in the reality they are everything else but not the interest free. Read More


Financial Trap: Monthly Installment Payment

Financial Trap: Monthly Installment Payment                                                                                                         Posted: May 2010  

When you see advertisement „Only $29,99 monthly for a new TV“, you need to ask yourself how much that TV will cost you? You also need to ask yourself how much you would pay if you buy it for cash? Finally, you need to ask yourself do you really need the new TV if you have the TV already? Read More


Investment & Compound Interest

Make Compound Interest Work For You    Posted: May 2010  

When you buy something that you really do not need you are not just wasting your money. You are also loosing additional money that you could earn, if you invested. For example, the $100 that you could spend today, for something that you really do not need, cold worth a $11.866 in a 40 years with a 12% of return on investment. Read More


Compound Interest

Compound Interest - The Most Powerful Force In The Universe                              Posted: May 2010

Albert Einstein shocked his colleagues when he stated that the most powerful force in the world is Compound Interest. Everybody would expect that Einstein would choose the product of the physics as an example of powerful force, but he stated that Compound Interest, as economical phenomenon, is the most powerful.  So what is the Compound Interest? Read More


Turn Your Debts Into Your Fortune

Turn Your Debt Into Your Fortune                               Posted: May 2010 

Many studies on human behavior in management of personal finances show that the common thing for the people who bankrupted is the fact that they were not able to postpone the pleasure – they wanted everything now. This is the point where the credit industry is stepping in. Unfortunately, the „benefit” of banking intervention in your personal finance is devastating for your financial future. Read More


Debt Is Not The Right Way - No Credit Cards

Debt Is Not The Right Way                                                                   Posted: Apr 2010  

Our culture, supported with aggressive advertisement, teach us to behave like kids. „Buy This, Buy That!“ screams from advertisements all around us. We can buy whatever we want, the car, cloth, trip or dinner, regardless do we have money or not. We do not need to spend the time to earn and save the money. If we want to buy something without the money there is only one thing that we need – the debt.  Read More


Becoming Millionaire

You Are The Future Millionaire                                            Posted: Apr 2010

It is not impossible for you to become millionaire. Becoming the rich is not the impossible. The only thing that matter is the process in your brain. If you are still suspicious try to do some basic math. Read More


Consumerism

Consumerism Mentality                                               Posted: Nov 2009

The wish for ownership is endless. We do want to have as much as possible. Although we could live with a few things, we want many things in our possession. There are two ways to accommodate what we want: we can reduce our appetite for things or increase our income. Read More


Shoppingholic - Shopaholic

Keeping Up With The Joneses ( Being Shoppingholic )                                               Posted: Nov 2009  

It is obvious, people are more shoppingholic than they would be ready to admit. Shopping therapy is becoming the way of living. Still, our money is earned too hard to be spending so easily. Next time when you go for shopping therapy, think twice before being something that is not a necessity. Do not become shoppingholic just to keep up with the Joneses. Read More


Financial Wisdom

Financial Wisdom                                                           Posted: Oct 2009  

Why are people careless with spending the money? Probably because they lack a financial wisdom. We never have a chance to learn about financial wisdom neither in school nor in family. Simply, spending makes us happy. Who cares about the financial problems? We will care about them when they come. Since people do not have sufficient financial wisdom, meaning they do not govern with their own money. Read More


Spending Habits

Spending Habits: Can You Control It?
Posted: Sep 2009  

Friend of mind told me about smart idea of his neighbors. They decided to put their small bills and coins, which they receive as a change during shopping, into a small cash box. The plan is simple, they receive coins every time while they shopping. One year later they opened the box and counted the money. There was a decent amount collected, enough to pay them a nice tourist trip. So the went on the trip. But, is this the only way to save for the holidays? Read More


Marketing Conspiracy Theory

Marketing Conspiracy Theory
Posted: Aug 2009 

Marketing and commercial wizards, still hungry for more profit launched a new weapon. This weapon brings them more profit per unit sold. From the perspective of consumer this means having less for the same amount of money. How is this possible? Read More


Mind and Money

Mind and Money
Posted: Jun 2009  

Very popular theory today is that our wealth is the reflection of our mind. It is considered that it is necessary to believe or train our brain to believe that we will have the increase of the income and that will happen. Actually, only by meditation or praying for the wealth will not make it to happen. Our mind is not commanding the universe. Our mind is the part of the universe. Read More
 


Income
  
Absolute and Relative Income
 
Posted: Jun 2009  

There is the  question about who earns more or who has a better-paid job? Is that the person that earns more? Or is that the person who works less? These questions cannot be understood unless we evaluate their relation. Read More


Rewarding - Personal Work Monetization
  
Personal Work Monetization 
        Posted: May 2009     

All of us are working for money. We trade our time, skills and effort for money. We sell our Personal Work for money. Even if the money is not the main activator, still we need the money to pay our bills. So if the money is that important in our life, then you need to ask yourself at loud: Are you paid enough for the work you do? Are you doing enough to monetize your work properly? Read More


Loan
  
Loans: Better Think Than Sorry 
                                               Posted: Apr 2009

Most of us must be thinking that our personal budget could be larger. Simply, our potential spending seems to be always higher than our earning. The difference between income and potential spending is the gap that we are trying to cover by any mean. There are several methods, like looking for a better-paid job or exploring the secondary income streams. One of the methods is taking a loan. Read More



  
Passive Income 
                                                                                 Posted: Jan 2009     

The passive income is a way of earning money without direct effort. Still you need some effort as the initial investment, but when you establish sustainable passive income, you will need a little or no supervision. So, the passive income is not perfectly passive, but as a concept it gives you more freedom and more money as the time pass. Finally, fully established passive income will give you healthy, stabile, even growing income, without your work. Read More
 


Multiple Income Streams
  
Multiple Income Streams 
                         Posted: Dec 2008     

Why is the multiple income streams  building important? Many people are working their daily job that gives them salary that is not satisfying all their needs. Multiple income streams building can help them. Also, uncertainty of the world economy makes wealth-conscious people to think about their future. Simply, there is no thing called lifetime employment or job security. Everybody can stay jobless very easy. Read More
 

Money Wallet Leaks
  
Money Wallet Leaks 
                                                Posted: Nov 2008     

Most of the people do care about their own well being. One of the aspects of someone’s well being is the financial well being - Money Wallet. So what is necessary for health your money wallet? More income? Yes, that may help. But earning more money is not the only thing that will influence the content of our money wallet. Read More


Home Based Business                                               Posted: Oct 2008     

Whenever you read papers or browsing through the internet, you can find advertisements that offers you self employment. They offer you different types of home based job, promising you some amount that you can earn. Sometimes they promise you huge amounts with little time and effort spent. On the other hand, you can get self-employed and start up the home business by your self, without having somebody to include you in some home employment system.  Read More


Marketing Trap
 
Avoiding Marketing Traps
                      Posted: Sep 2008     

Most of the people do not understand the real nature of the today's marketing. Marketing sounds like service that has intention to connect manufacturers and retailers with customers, to provide information and education to the customers.  Read More


Home Budget Planning

Home Budget Planning                                   Posted: Aug 2008

It is true that is always easier to skip planning, since it requires time, effort and checking how we managed versus what we initially planned. For example, if you go on picnic for barbecue it is the most easily just to get into a car and stop by to buy a few things. But when you get to your place, you can realize that you bought meat, but you forget spices, or that you bought coal but forget the grill. So, you must admit that some planning prior to your trip should be good.  Read More


Becoming Financial Slave
12 Steps of Becoming Financial Slave
                                                                                                                           Posted: Aug 2008     

Let me tell you about the secrets of spending money. I'll tell you how you can spend all you earn and even more. I will explain you what you need to do to be in debts and to stay in debts forever. I am not promising that is going to be easy, but if you try really hard, you will succeed in loosing all your money and to be miserable.  Read More


Well of Fortune
The Well of Fortune                                             Posted: Aug 2008     

What do I need to build a fortune? Is it to be born rich? Is it to get a grip into a serious business? Do I need to win a lotto? Or do I need to rob a bank? Perhaps you need some of these ( except a last one :). But also you can have it by doing something completely different.

Since you are reading this, I assume that you are not already rich. Let say that you a ordinary citizen that is struggling with a financial unease of every day’s life and you want to build up your financial health and to achieve financial stability for years to come.  Read More

    
 
 

 

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