FINANCE SMARTS

In stock trading, the rise of the market transactions online has become quite prevalent over the past few years. Many institutional investors prefer to use sophisticated computer technology to assist them in making investment decisions. And many people argue that computers may just be better at picking stocks than traditional human brokers.

Although computers may perform a lot of sophisticated utilities, you may wonder whether or not these can really be better aids for trading as compared to traditional brokers. At the end of the day, remember that what technology has to offer are mere recommendations and ultimately, the decision is still up to you.

Taking The Emotions Out of Stocks

One of the most common arguments that many people who choose to make use of computer technology in trading is that by not having to deal with many emotions that human brokers may have in stock picking, then computers can offer more objective recommendations to the investor.

Because most computer programs cater to quantitative models by searching through layers of data to look for stocks that are compatible to be bought or sold, then the computer’s lack of the ability to become confused from human emotions can be very beneficial. Remember that by taking out human emotions like pride or greed, choosing the right investments in quantitative models can perhaps become more lucrative.

No System Is Perfect

Though computers can be very promising tools in trading, take note that no system is always perfect. Since humans are still responsible for building the said models in which computers revolve in, there fundamentally are sill biases in the system. And even the most sophisticated computers cannot always report for all the variances out there in the market, at least, not at the moment.

One very common problem encountered with the use of computers is that may times, computer programs often end up recommending the same stocks on their lists. And if a hundred of these programs analyze companies at the same time, then they would most likely be giving the same recommendations to so many clients. And at the end of the day, investors would still have to fight for stocks.

When many people generally want to invest in the same stock and the demand goes up, what happens in the market is that prices also go up, and this can be very bad for the investor.

And so, the ultimate question is whether or not computers are really helpful in making trading much easier for you. The answer is to this is yes and no.

Although computers can surely help you in so many ways by foregoing of the usual distracting human emotions and can even analyze data much faster, remember that it is still a system that has yet to be perfected. And despite the many benefits, there are underlying flaws that can still make the trading game a jungle to get involved in.

The stock market with its unpredictable behavior can surely be a difficult arena to take on. And so, take note that whatever assistance you would want to use, whether sophisticated computer equipment or more traditional brokers, at the end of the day, your decisions would still be the make or break factor in order to become successful in your endeavors.

Richard Weaving A Stock Trader and promoter of stock market Ideas and Stock Software Follow My Stock Blog   http://www.BestStockTradesBlog.com Article Source

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One of the most important questions every person will have to answer is “How Will I Pay For Retirement?”.  The question may not be asked for many years, or it may have to be asked now, but all of us have to answer it.  The answer is going to have a significant effect on our retired life.

Every retirement plan has two distinct parts.  One is accumulation of wealth, the other is distribution of retirement funds.  The goal is to collect enough money that will last as long as your retirement.  

If you have the time and resources to collect enough money, then the original question may be answered.  

The real problem is that not all of us will have enough time or resources and it will be necessary to continue working at something after we retire.  A recent U.S. News article reported that more than 60% of retirees will continue to work to make ends meet.  A visit to any Walmart and a lot of fast food restaurants will give some credibility to that.  There are more and more seniors joining the work force every day.

Many older workers will be forced into retirement by the high level of competition from younger workers for the limited supply of jobs.  This fact alone will dictate that many retirees will have to find other ways to find the extra money needed to help pay for retirement.  

For this reason alone, that your first step along the path to financial retirement freedom should be an evaluation of your interests and skills.  In some cases, a different career choice might be in order.  Other options might be a part-time job or a business that can be worked from home.  If starting a business is not an option, then a part-time job that can be worked from home might be the ticket.

At any rate, if more income is needed, there are only so many options available.  Go  back to work or start a business.  The choice is difficult, because either way means that you will be going into a new area and that can create fear and uncertainty.  These two things can cause inaction that will lead to fear of failure and discouragement.  I know this is a fact, because I have been there.  

Fortunately, there are many opportunities and a lot of resources available to help the average retired person make more money.  When it comes to earning more money for your retirement you will find that there are many options available to the savvy retiree. The problem isn’t finding opportunities but gaining the knowledge needed to turn those opportunities into huge successes.  There are many business opportunities and ways to use the internet to make money.  If a business is not wanted, it is also possible to find a job online that can lead to financial success.

The internet is awash with information and potential opportunities.  However, it is also awash with hype and scams.  It is difficult to separate the trash from the good stuff unless some research is conducted and guidelines followed.  There is a tremendous amount of free information available that can guide a person to success.  But the easiest way to start a profitable business (online or offline) is to find someone who is successful and can help.  There is a lot of help available for a fee, but people on a limited budget or fixed income may be unable to pay a fee.

One of the most popular ways to earn money online is through affiliate marketing.  This method is by far the easiest to understand, costs the least to get started and has the most opportunities available.  Other ways to get extra money is to use buy and sell products on auction websites such as e-bay, become a drop-shipper or start an online store.  If you want a job and not a business, look into areas like proofreading, taking online surveys or assembling products.  

All offer opportunities, but make sure that you research the product or company making the offer before you spend any money.  Sometimes, it is hard to get a refund if you are not satisfied with the product or service.

The author is one of the many people who have had to find other sources of income after joining the ranks of the unemployed.  He has collected a lot of information and has made it  free for the taking from his website.  Visit it and follow the links, take and use what you can.  There is absolutely no charge and no obligation. Article Source

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Hi! This is KC Truby, Lonesome Cowboy. I’m going to give you the four aces as we wrap up the philosophies on getting rich. Here is ace number one-acclimate to change. This may be cage rattling, and sometimes, we ask, “Why do I have to adapt to change?”

When I talk to business owners, they say, “Well, I don’t know very much about computers.” And I say, “Dude, they’ve been around since 1985 on every desk in America. That has been twenty-five years from now. When are you going to get used to it?” Or they tell me, “We are not used to internet to get business in.” Then I reply, “What? Now, that has been around since 1995. That’s fifteen years. You don’t have the option to not be into modern technology and modern marketing methods.” The world is changing and moving too fast. Our business now is nothing like it was in 2003 and in 1993, many years ago. I can’t even remember how we did business back in 1969 to 1971 when I started my first business. We had a rotary phone. Just remember how hard it was before to make a phone call to ask somebody if they wanted to do business with you? People used to knock on doors back then to get business. I know because I used to be a door to door salesman.

The world has changed and it is going to keep changing. If we acclimate to change, that will be a lot more fun. Let’s look at the things that are going on around us. Look at your competitors and find out what they are doing. Are they using online advertising? Are they hiring people in India to get work done faster? Are they doing things with part-timers in order to get some of the labor promises taken care of? You have no choice, but to acclimate to change. If you don’t do this, you’ll be out of business. We’ve never been in a situation in the history of mankind where things changed like this. Our entire knowledge is changing every eighteen months. It’s doubling on what we know, and that’s a big opportunity for all of us.

Since 1987, KC Truby has taught 16,000 accountants how to find and sell more new business clients. 2,000,000 small business owners have his tapes on sales and cash flow. KC has brought 250,000 businesses into a local accountant’s office with his QuickBooks Made Easy seminars and tax marketing techniques. He was also named one of the “100 Most Influential People in the Accounting Industry”…http://www.squidoo.com/QuickbooksExpress Article Source

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This is KC Truby, Lonesome Cowboy! Here is ace number two-take action everyday. I’m not much of a time management person. I don’t believe in a to-do list. To-do list never gets to be done and that spells too much trouble for me. I’m a thinker, and that’s my job. I’m supposed to be innovating, and building relationships and a better, faster and cheaper business. I’m not supposed to have a list of to-do’s and tasks, since I can get people to work on it. But I do want to make three accomplishments everyday. So, the last thing I do before I go home at night is to write down on a little piece of paper right on my desk the three major accomplishments that I want to get done tomorrow. Those three major accomplishments are just what I focus on, and calling Bob to collect money is not one of them because that’s something that can be delegated. I only want to accomplish tasks that nobody else can do but me. That’s why I want to focus on my time now.

There’s something else I want to tell you about getting things done when you have a job that comes in, let’s say you realize you can run some ads in a pay per click on Google to get more traffic to your website and generate more sales leads. This just happened to me, but I don’t have anybody with the right sets of skills and I don’t have a design to learn it. I skinned the book until I found a flowchart and checklist which I simply wrote down on a piece of paper and posted on Craigslist under freelance. It said, “Who can do this job for us and how much do you want?” And then the next couple of days, I got hundreds of applications. People said, “I know this. I can do it for two to three hours a day. I will charge you for twelve, fifteen or twenty dollars an hour, and I’ll do all these for you.” And I said, “My goodness! Isn’t that a bargain?” I can get the best of what somebody knows and they will just work for me part-time for only fifteen dollars an hour and no overhead.

That’s how we get things done, and that’s what I think you ought to do. So, ace number two is take actions everyday for the three most important accomplishments that nobody else can do. And when other tasks come in, write them down on a checklist and shout them out. See who else can do them. The number one reason we don’t get things done when we hear really good ideas is we never get to them. Many of us go to seminars with all these good ideas but we never got to these ideas because we don’t have the labor available. Well, there are people looking for work part-time today and you can take advantage of them.

Since 1987, KC Truby has taught 16,000 accountants how to find and sell more new business clients. 2,000,000 small business owners have his tapes on sales and cash flow. KC has brought 250,000 businesses into a local accountant’s office with his QuickBooks Made Easy seminars and tax marketing techniques. He was also named one of the “100 Most Influential People in the Accounting Industry”…http://www.squidoo.com/QuickbooksExpress Article Source

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You will always receive that brows-raised look when you say “financial spread betting.It is always related to dubiousness when you think of betting. You may imagine, Mafia-like transactions, old world capitalism, the financial incentives of casino, the lights of Vegas, and, of course, everything that a millionaire has the right to worry about. But whatever you are hearing on the sides, here is one thing I know for sure: Financial spread betting remains to be one of the most exciting, best paying market, and definitely most attractive option for almost anyone who has the heart to bear the excitement of playing for the market.

All financial spread betting guides will tell you one basic thing and that is that it is a form of trade with a twist. Once you have placed your bet, you continue to hold that position and expect that the market will play according to what you have predicted. Almost everyone thinks of financial spread betting as sophisticated, highly technical game of minds whereas most investors will tell you that the rules of financial spread betting is based on the same principles as followed by other investment forms and in everyday gambling.

However what makes financial spread betting so exciting? The tax free tag makes it more attractive. Do you really know how to make money from financial spread betting without your big brother asking for his share? Look at what spread betting guides are telling you; financial spread betting is really all about, well, betting and not trade. What you get is tax free capital gains. Stamp duty, what about it? Still free since you are not essentially purchasing shares when you’re “trading”. Asking for more? Financial spread betting is more than simple tax free profit.

Financial spread betting can be started with a nominal sum instead of your life savings. This system lets one start in a small scale and that is the perfect scenario in this trade. Seemed great since you don’t really have a stash full of cash? This very encouraging fact about financial spread betting is without risks. You will actually face more loss if your investment is less.

Loss is unavoidable in the scenario, while you can always trigger stop loss to reduce the risk. Spread betting is essentially about gambling whatever you invest. You have to try to get the correct bet all the time. If the market predicts differently than you than you loose . Remember not to put more than you can afford in this like in any gambling.

Latest Guides About Spread Betting and other topics by Shristy Chandran Article Source

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There will always be two sides to anything someone can look into. There will always be two ways to do a thing be it in a relationship, an argument or things like adding sugar or honey to your tea. Financial spread betting is similar in the sense ,that investors try to predict the price of a commodity or a stock and if it comes true than they make money. If you want to double what you have without paying capital gains or even income tax, then financial spread betting is for you.

Understanding the basics

A financial spread betting investor tries to make gains while dealing with the everyday fluctuations in the market. When you are ready to make your move it means you can feel the market pulse and perform buying or selling accordingly. You may be afraid that financial spread trading is risky in these times. Financial spread trading, in reality, doesn’t involve risking physical shares. The only thing you need to put up with is the charge for dealing spread.

You need to be acquainted with basics of trade while doing financial spread betting. This is our list.

Spread. The difference between what you paid and what you received in buying and selling a commodity or stock is what is spread. There are huge advantages of playing for the spread. And here the best thing is there is no commission, stamp duty, brokerage fees, or even capital gains tax to pay. Your win also depends on your location. We have listed how far the benefits can go down, sometimes it might go much beyond those limits.

You learn the fundamentals of the trade very well with spread betting guides. Everyday transaction highlights the importance of knowing when to trade. If you want to be at an advantageous position vis-a-vis financial spread betting, then perfect your timing. That is, the more the market goes to your favor, the better for your portfolio.

Risk management. The financial market is one of the most volatile yet rewarding places you can be in. In financial spread betting use various tools to minimize the risk. While playing the market, take maximum benefit of controlled limits and stops and limits while playing the market.

Read on Spread Betting Guide Article Source

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Loose slots are largely a thing of the past in casinos. Slot machines work on different principles than they did in the early days of casino gambling. Random number generator or RNG technology revolutionized slots gambling and jackpots, making it possible for exponentially larger progressive jackpots. But RNG’s also eliminated the loose slot machine from the casino floor.

If loose slots ever existed, they disappeared from casino floors when slots became electronic instead of mechanical. Still, some of the old slots myths continue to this day, as old assumptions gain the respectability of age and are printed on how-to websites around the world. Let me discuss a couple of the most pervasive myths about loose slots.

The Zig Zag Method

The Zig-Zag Method is one of the more famous ways people try to find loose slots. I’ve never read for certain how the term “zigzag” came to refer to this method. One theory is the gamblers zig zags through the casino looking for the right slot machine. Another is that the gambler is looking for zig zag patterns on the slots reels. Whatever the case, the zig zag method has no basis in fact.

In the Zig Zag system, a player looks for specific patterns of reel symbols on the slot machine reels. As an example, let’s imagine that 7′s are the jackpot symbols on a slot machine. The zig zag gambler walks through the casino searching for a machine with the right pattern of 7′s on the reels. If two 7′s are on the payline and a third is one line off of the payline, this is considered a zig zag. In the theory, the reels are starting to line up. If you start to bet on that machine, you’ll soon hit a big jackpot.

Now, maybe the zig zag method had a purpose in the days of mechanical slots. Maybe players could read reels and see them lining up, though I’m still not sure I buy that. I can absolutely tell you that reels don’t “line up” on a modern slot machines.

Modern slot machines use random number generators. These random number generators are internal computers which tabulate probabilities and determine which reel symbols to display. Every time you make a bet and hit the button on a slot machine, a random number generator determines the positions of the machine’s reel symbols.

That means each and every spin on a slot machine is independent of all other spins. The random number generator randomizes every spin. That’s why they call it random.

Loose Slots Near the Door

One common theory is that casinos place “loose” slots near the doors of the casino. Gamblers coming into the casino see other players winning at the slots and decide they want to play. In this theory, slots gamblers should always play the machines near the entrances and exits of casinos, since these are the loosest slots.

Another variation of this method is that casinos place loose machines in the areas most visited, like near the cashiers, the restrooms or the casino gaming table. So, instead of gambling at the machines near the front entrance, you should play the machines where casino traffic is heaviest.

There’s one flaw in this theory, which is the idea of slot machines’ “hit frequency”. A hit ratio is the percentage of spins that a machine pays off instead of takes your money. The thing is, one machine might have a higher hit frequency, while another slot machine might have fewer hits, but pay off more when those hits happen.

Keeping this in mind, a casino could place a machine with a high hit frequency near an entrance or heavily walked spot, but that doesn’t necessarily mean the machine is paying off more than machines in other parts of the casino. In fact, it could be just the opposite. Casinos aren’t in the business of just giving away money, so they will come up with inventive ways to get the same results.

I wouldn’t expect to see a loose slot machine near a door. In fact, casino managers know about these myths. If anything, the casino might place slots with smaller payback percentages where gamblers are more likely to sit down.

Bobby is married to his wife Karen; they have 3 children, Riley (11) & Priscilla (7). They live in Las Vegas as well as Key West, Florida. Jameson also shows the reader which are the best slots, and why, as well as how to find them in the actual casino, and how to exploit them for profits. Because of Jameson ‘s “insider” knowledge of not just the slots themselves, but also of the casino’s slot mix floor plans and marketing strategies, Jameson is able to show the reader precisely what to look for in the casinos to find just precisely where the really good slots are, and why they are there. Jameson also explains where the “bad” slots are, and why they are placed there. Jameson shows the reader how to tell the good from the bad, and how to make this knowledge pay.  You may purchase his widely aclaimed ebook at EmptyTheSlots.com Article Source

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         Each year there are more than 1.5 million golf events in the U.S. Their popularity continues to increase because they are an effective tool for fundraising, business networking, advertising and member recruitment – and they’re fun! You can plan a successful golf event, but it will take time, energy, organization and a positive attitude.

         For the purpose of this article, we will focus on golf events that are designed to raise funds for a non-profit organization or a specific cause.

         We designed this program to keep you organized and reduce your planning time. In as little as ten minutes you will be well on your way to creating a successful event. With this plan you will have the benefit of lessons learned from the organization of actual tournaments

.

It is important to know that your annual event will take 2-5 years to reach its full potential. You will make the first year a good one, but if you are patient, you will continue to build upon it and improve year after year.

      5 KEY POINTS  to run a Fun and Profitable Golf Tournament 

1. Find a Quality Golf Course

2. Organize your Volunteers

3. Finding Sponsors

4. Getting Golfers

5. Raising Money

                                              This program is designed For                          Charities, Schools, Businesses, Scholarships Programs,Sports Teams, Fund-raisers, Churches, Alumni, Civic & Non-Profit Organizations! 

(1) – Finding a quality Golf Course is probably one of the most important aspects of running a fun and profitable Golf Tournament. (Don’t be afraid to check out more than two or three Golf Courses.) Call the Course and ask to speak to the Tournament Director or the Golf Pro on duty and set up a meeting with them to discuss the possibility of running a tournament there. At your meeting you can check on possible dates to host your event.

(2) – Organizing your volunteers and assigning their duties is very important because they are the people that are going to make the difference in how much money you will be making for your bottom line,

(3) -  The BIG profit in every golf tournament comes directly from sponsors and players, so treat them with respect – the more respect the more the money..

(4) -  Ask your group or members if anyone plays golf or any of their family or friends do, or know of anyone that does. Word of mouth is the best form of advertising. The beginning of the golf season is the best time to get your golfers and sponsors. Remember the earlier the better.

(5) – There are number of ways to make extra money Before – During – and After your Golf Tournament.

Raffle Tickets – Basket of Cheer – 50/50 - Silent Auction- Putting Challenge

For more info please check my Web Site at — http://basicgolffundraising.com Article Source

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Ten Ways to Thrive in Uncertain Economic Times

Even in the worst economic environments some people will be more successful and resilient than others. Why? Because some people simply have a better psychological relationship to earning and spending money. This allows them to make the most of the opportunities around them and avoid common mistakes.

If you want to weather uncertain economic times and build a strong wealth foundation, you need to have the best relationship with money you possibly can. Here are a few tips to help you do just that!

1) Study Success, Don’t Focus on Failure. Most of us know plenty of examples of people who do not make enough, save enough, or who use money poorly. How many examples of prosperous, successful people can you easily call to mind? Decide what true and healthy prosperity looks like to you. Then interview people, watch the news, and collect examples until you have a list of 50 wealthy, admirable, and inspiring people. Write this list down. When you feel discouraged or unmotivated – read your list. You will notice just by doing this that you see more opportunity and you are able to impress your boss or close more sales without even trying hard.

2) If In Business for Yourself, Collect “No Thanks” Responses, Don’t Try to Get Clients. In a tough economy, we often get scared and push too hard. Often this can make it harder to get sales. Instead, make a game of how many calls you can make, free consultations you can offer, talks you can give, articles you can publish, how many ways you can improve your product or service, etc. Assign yourself points for each activity. Play with someone else. When you both get enough points, go do something outrageous and fun. When you focus on the “no” not the yes you get less discouraged and stay more consistently engaged- which is particularly important when you are trying to sell in a tough market.

3) If You Work for Others, Don’t Try for a Raise or a Better Job. Instead try to figure out how you can add more value and make more money for your company. Make it a game – how much better can you do this month than last? Document your efforts and your results. Then you will be in a good position to ask for a raise or to present your case to a better employer.

4) Be a Language Detective. What are you and others around you really saying about money? Do you talk about money struggle, how money can be a pitfall or the evil ways of the rich? Do others around you talk that way? Listen and learn, and then change the messages you speak and hear to support your new core beliefs. You will feel better and others will notice the change too.

5) Forgive Yourself Unconditionally for Your Money Past.Fear and negativity from past experiences will affect the unconscious signals you send out to others as well as your own confidence and self discipline around money. Even if you are not aware, of it a bad attitude about money could be affecting your opportunity. To start a serious change, create a forgiveness letter to yourself and read it aloud to yourself every night for 30 nights before going to sleep. You may also wish to talk with a coach or therapist about issues that come up as a result. This will help clear your way psychologically for new abundance.

6) Stop Making Money a Secret. Tell someone you love about your debt or your earning goals. When you don’t talk about what you make, what you owe, or what you spend, and you are afraid to ask others about their money – you increase the shame and confusion about it. Challenge yourself to go talk to five people about money – ask and tell all and give yourself the gift of real world perspective.

7) Stop Moving the Goal Post for Your Projects. Some people say they want to put $5000 in savings, but when that goal has been met, it quickly becomes “not enough.” Give yourself the room to appreciate what you have done and accomplished. Make a list of 50 “successes” you have had over the last six months and keep it handy. This will help keep you motivated and moving. If you want to move on to bigger goals, make sure you know that they are separate goals and not extensions of previous ones.

Make Saving Money a Reward. Whenever you do something wise or good, take one dollar and put it in a jar. Let this positive energy stay in there and grow for six months to a year. Then take out your savings and invest it in something that will have a long-term impact on your happiness (for example: education or training, savings, investments or anything that will have a long-term impact on your net worth.)

9) Focus On Quality Not Price. Try not to haggle very often. In many cases, this creates an unconscious belief in lack. Either a thing is worth the energy or money is being asked or it is not. If it is, give it willingly. If it is not, look and ask for higher quality or a more satisfying purchase – not lower price!

10) JUST DO IT! Complete those tasks you know are undone and are nagging at you and draining your mental and emotional energy. You know you need to return those library books, call your aunt, move your 401k, change your insurance, or whatever your personal procrastination items are. The more unfinished business we have the more impulse spending we tend to engage in. Unfinished business leaves us feeling drained and keeps us in a state of inaction and denial. Both things are bad for your money. You will find that when you complete (or consciously decide to take off your list) unfinished to-do tasks, your start making better money choices.

Experiment with these ten tips and you will end up BOTH spending less and earning more. And that after all is how wealth is built in ANY economy!

Mari Geasaircan help you create more profits with less stress! She has coached hundreds of small business owners and owned five successful businesses of her own. To find out how to join her for a FREE weekly teleconference on building authentic success visit: http://www.authenticprosperityclub.com/ Article Source

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Change Your Thinking and Your Actions to Stop the Debt Habit Forever

You can learn to permanently stop the debt habit no matter how much or how little money you currently earn. It is easier than you think. The first step is to change how you think about money, and to learn what you may unconsciously be doing to draw debt to you. Once you learn how to properly understand how money works, and to stop creating debt magnets in your life you will automatically start to reduce your debt.

The first step is to step back and take a look at what money really is. Learning to redefine what money is will help you see new options for dealing with it and for reducing debt.

Money is a symbol of our life’s energy. We exchange goods and services for money and those goods and services simply represent our money. Learning to think of money as energy can show us new ways to stop creating new debt, and to get rid of our old debt. This works because seeing money as energy allows us to: fully experience that what happens to our energy happens to our money. This is not as ungrounded an idea as it may initially seem. Most of us do not consciously realize that spending energy on things like bad relationships, or dealing with clutter can cause more debt. However, in the long run energy drains like these always end up costing us money and making debt more likely. Just ask anyone who has ever been divorced or who purchased an item it turns out they already had, but could not find! The truth is any energy drain is eventually a money drain. This is vitally important to understand because it allows us to take our first big practical step to permanently getting out of debt: cleaning up our personal “debt magnets.”

Energy Drains Create “Debt Magnets.” Debt magnets are habits and situations that literally draw us into more and more debt. They are the patterns of energy that can cause us to pay off one debt (or even group of debts) only to find ourselves back in a financial hole six months or a year later.

The key to seeing and getting rid of “debt magnets” is to simply ask yourself: Where is my energy going? If it is going in a direction that is unrewarding or draining, then you have a debt magnet. When this happens it keeps us from earning more money whether we are aware of it or not. Debt Magnets are the personal and psychological habits that keep us draining our energy. They cause us to fall into additional spending that does not move us forward. For example if every time you listen to annoying coworkers complaining, you treat yourself to a snack from the vending machine then you have a very simple debt magnet. You are spending more money on snacks than you need to and are potentially earning less because your energy is going toward the co-worker instead of toward making your job more financially rewarding.  In other words You have unconsciously reduced your earning power and increased your debt.

The Debt Magnet Challenge:

How much energy is getting stuck for you in these areas? Remember these are big categories and it takes time to fully understand how each area might contain energy drains for you personally. For now just go with your gut understanding and your gut instinct. (A more in-depth explanation of each of these Debt Magnet areas can be found in the report  Creating A Personal Foundation for Wealth on our website, see the signature box for a link.)

Rate yourself 1-10 with 1 being it NEVER happens that you spend time, energy, money, or worry on an area and 10 being you DAILY spend time, money, energy, or worry in that area.

1) Unorganized paperwork/bills

2) Undervalued charity / showcase work

3) Spending time on things you do not want to do, but feel emotionally blackmailed to do

4) Self-blame about money past

5) Excessive money worry and fear

6) Not knowing your numbers, or not being specific about income and expenses.

7) Habitual over commitment.

Unfinished tasks and business.

9) Outdated or insufficient tools and possessions.

10) Suppressed or unacknowledged emotion.

Once you are done add up your numbers and write down your total number. The higher your number the more likely it is that you are unconsciously drawing debt to you.

Challenge: Would you like to make $70 extra this month? Would you like to test this theory out and see if it really works? Challenge yourself to take simple steps to drop your debt magnet number by 7 points. The really interesting thing is if you do, you will more than likely find money coming into your life. This “new” money may come in many ways. It may be in the form of unexpected earning, discounts on items you need, avoiding things like late fees, taking advantage of refunds or rebates you would have otherwise missed, collecting on money or any of a variety of other ways. Many people actually even physically find money (cash and checks) as they are cleaning up clutter and paperwork.  Try it out and see what happens for you!

Mari Geasaircan help you create more profits with less stress! She has coached hundreds of small business owners and owned five successful businesses of her own. To find out how to join her for a FREE weekly teleconference on building authentic success visit: http://www.authenticprosperityclub.com/ Article Source

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