FINANCE SMARTS

There are many ventures that can aid a person in creating a nest egg to retire upon. Stocks, bonds, 401k’s, social security, and other pension packages are examples of types of income that must be considered when planning out a retirement. However, using investment properties as a source of income is one of the safest ways to ensure a long, happy, and wealthy retirement.

One of the first things to remember is that investment properties are a long term type of business plan. Unlike any other mode of nest egg development, properties are usually expensive but are also one of the safer investments. Expenditures that go along with this type of investment are property taxes, insurance, maintenance, and advertising.

Real estate is a safe way to spend your money because homes, unlike stocks and bonds, are tangible commodities that if worked correctly, can pay for themselves. Even though the housing market crashed, part of what makes this type of investing safe is the fact that a person is not only purchasing a home, but the land it sits on. The old saying is buy land because God certainly isn’t making any more of it.

Location is also one of the key factors when deciding when and where to buy a new property. Obviously, the location of a home will amount to different pricing when looking to buy. However, because this is a long term investment, just about any home will appreciate in value over a long period of time. A home in a resort area would be best, but consider the price of any home before a purchase is made.

While any investment property is good, homes are great sources of collateral and credit builders when planning for a retirement. By purchasing one home and renting it out, the owner can receive income to pay for taxes of the rental and can help pay for the mortgage on the house if there is one. Thus, renting out a home is a way to make the home more profitable while sitting waiting for retirement.

Investment properties are great ways to set up a retirement because of all the positive aspects it produces at a minimal risk to the individual investor. A house can be maintained cheaply, renting out the property is an extra source of income, the house and land are collateral themselves, and they are tangible commodities. If practical, this is one way to build a great nest egg for the golden years.

- About the Author: An investment property isn’t the only thing you should be considering for your retirement. You should also gather all the IRA Information you can and if you have a pension, Pension Payments as well. Click on the previous links to learn more about each topic. Article Source

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Even though the lottery games seem to be random there is a certain pattern in which the winning numbers are drawn. The lotto winner Larry Blair has proved this by winning the lottery more than 3 times. Because he is a math professor, he started do make calculations and found out that the winning lottery numbers have a pattern that repeats. He won the lottery once than he won again and again. That is not coincidence or luck, that’s pure knowledge and proof that anyone who knows this system can win the lottery anywhere in the world.

Here is one example of this pattern:

When you play the Fla 6/49 you should play eight or nine sets of numbers, which cover all 49 numbers. This way you will have all the 6 winning numbers on your tickets. Write down the numbers that you want to play. Write the leapers: odd/even, sequential, and reverse. You want to create a set of numbers that will win, not that will just fit. Combine your best parts with other numbers that fit your pattern. For example: if you create a set like: 03-06-09-18-30-48, you have: 03+06=09: 03×06=18, 03+06+09=18, 09 doubled is 18, 03 8, 30 are reversed, 18+30=48, 18 & 48 have the same last digit. In this example, you can see all the demands for a winning ticket. As you get more experience, you will be able to see that winning numbers from the last drawing can predict the next game. Let’s say that 14 was in the last drawing. It can predict 04,14,24,34,41,44. If you get lost and don’t know what to do, look into your drawing history and find patterns. Then note how many times the numbers have repeated, the neighbors of the previous winner, the sets of numbers with the same last digit, the numbers which can be added to form a third number in the same set, the reverse numbers, the sequential numbers and the odd/even.

EXAMPLES (from Fla 6/49)

% 09/04/93 10-15-20-38-39-43

• 10 & 20 have the same last digit

• 38 & 39 are sequential

• no repeaters & no leapers

• 3 odd & 3 even

• 3 high & 3 low

% 09/11/93 12-22-31 -43-44-49

• 12 & 22 have the same last digit.

43 & 44 are sequential.

43 repeated.

12 + 31=43.

22 & 44 are double digits. 22 & 44 are half or double the other. 49 has the same last digit as 39 from the previous draw.

3 odd & 3 even.

4 high & 2 low.

¾ 09/18/93 10-16-26-2841 47

• 16 & 26 have the same last digit.

10+16=26.

• no repeats. & no leapers.

10 came from within the last two draws. 4 even & 2 odd. 4 high & 2 low. ¾  09/25/93 14-18-31-39-45-48

• 18 & 48 have the same last digit.

• 14+31=45.

• no repeats.

Now you have the proof that the LOTTO pattern EXISTS.

In his book called The Lotto Blackbook he expalins how to win any lottery including Mega Millions and Powerball, because they all have the same pattern and the math formulas apply to all the lotto games in the world.

Discover All The Secrets In The Book. Go to www.LottoBlackbook.us

People who read it say that it’s the only system that can make you a winner 5 out of 10 plays!

- About the Author:

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According to Tony Robbins “Your destiny is shaped in your moments of decision”. The word decision is derived from the Latin – meaning to cut oneself off from any other possibility. Successful people tend to make their decisions quickly and change their mind slowly, whereas less successful people tend to make their decisions slowly and change their mind quickly.

Decision making is like a muscle – the more you use it, the better it gets. As you take steps to financial freedom there will always be “critical moments” when decisions need to be made quickly and effectively. I liken the process to times in a Premier League football match. In the course of a match, there are a few critical moments when top players can turn the game in an instant. With the ball at their feet for just a few seconds, an incisive pass is made or the ball riffled into the top corner of the net. Less adept players in a Sunday league game don’t tend to convert those critical moments into goals. What’s the difference? It’s all about skill and experience – the same is true with effective decision making.

I’ve come to realize that effective decision making is about developing good intuition and using it at critical moments. Richard Branson makes his decision about whether to invest in a business proposition within a couple of minutes of reviewing the business plan.

If making a decision generates some fear, recognize that this is a good thing and be willing to make a positive decision despite the fear. I’m not advocating recklessness but being paralyzed like a “rabbit in the headlights” is like being a Sunday morning football player with the ball at his feet but no instinct for goal.

The only way to make better decisions is to make more of them. I’m very keen on the “no-lose” model of decision making advocated by Susan Jeffers in “Feel the Fear and Do It Anyway”. Jeffers suggests that the worst thing you can do is not make a decision at all – to procrastinate and put it off. Rapidly evaluating the information and then making a decision is the only way to strengthen the muscle. So make more decisions and you’ll come to make much better ones too.

As your destiny is shaped in those critical moments of decision, it’s crucial to learn how to make effective decisions more often. Do so and you’ll be far more likely to achieve financial freedom.

- About the Author: Andrew Bridgewater is a Chartered Psychologist and the creator of Steps To Financial Freedom. Andrew is looking to work with just 3 coaches, trainers or therapists who are seriously committed to achieving financial freedom in less than 2 years. Make an effective decision now and see if you qualify by visiting http://StepsToFinancialFreedom.co.uk   Article Source

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A core message from Napoleon Hill in his seminal work “Think And Grow Rich” is that you must have a purpose for achieving financial freedom. Business Philosopher, Jim Rohn put it in his own unique and simple style “When the why is clear, the how becomes easy”.

What are your own unique and powerful reasons for wanting to achieve financial freedom as a coach, trainer or therapist? Make them compelling to the extent that you can visualize yourself enjoying financial freedom. Where will you live, what will you be driving, wearing, going on holiday, enjoying for dinner and so on. Visualizing is one of the great secrets of success and it works because the things or circumstances you visualize become attracted to you.

Many people focus on getting out of debt, but this is not a powerful purpose for achieving financial freedom. It doesn’t matter whether it’s “get out” or “get in”, the mind doesn’t distinguish negation and by focusing on debt, more debt is attracted to you.

One of my most powerful reasons for achieving financial freedom was to be able to live and work wherever I want in the world. Living the laptop lifestyle offers a tremendous sense of freedom and excitement – it’s also easy to visualize d experiencing the sensations of being in your favorite places.

Creating powerful purposes for achieving financial freedom might seem like an unnecessary distraction at this point but it’s time really well spent. These reasons become your strong levers – they are the forces for good that will keep motivation and inspiration flowing when the inevitable obstacles and challenges come up. It’s the people who persist through these challenges who achieve financial freedom and their powerful reasons are the fuel behind the persistence.

I first discovered the huge importance of powerful reasons when starting out as a health and weight loss coach with my first product, The AV Diet. After initially being willing to work with anyone who approached me, I steadfastly refused to coach anyone who didn’t have clear and compelling reasons for becoming healthy in order to lose a specific amount of weight. Results and quality of the testimonials provided compelling proof of the significance of powerful reasons. It’s just the same with wealth creation and financial freedom. New habits and patterns need to be formed long before the results ever start to show.

So invest the time and effort now in creating and visualizing your own unique powerful reasons and you will ultimately achieve financial freedom as a coach, trainer or therapist.

- About the Author: Andrew Bridgewater is a Chartered Psychologist and the creator of Steps To Financial Freedom for coaches, trainers and therapists. For help and support devising your own compelling and powerful reasons for achieving financial freedom, visit http://StepsToFinancialFreedom.co.uk   Article Source

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Everyone’s financial situation is different – but whether you are unemployed or employed, in debt, or financial stable. There are many ways that you can stimulate their own economy and keep things in balance.

The key is knowing how to make ends meet by utilizing services offered,  deals, freebies and taking advantage of the right opportunities.

You Can Find Employment Anywhere If You Look!For those that are employed and are currently living paycheck to paycheck while babysitting your checkbook balances. Start thinking outside of the box. There are plenty of ways to make passive income.

If your curreent schedule permits it then work on getting a second job outside of your main employment. You could deliver newspapers, bartend on weekends, clean out your garage and sell your old items on Ebay, clean decks or paint houses etc. You could even turn your hobby into an income generator i.e personal shopping, sewing, cooking, travel, etc.

The same rule applies to those who are currently looking for employment. While working on your resume and searching for job opportunities within your specialized field personal field, until you land your desired position. You can take advantage of some of those low paying part-time positions.

It’s important to have the attitude that no job you take is beneath you.

Hard work is hard work no matter what you do. If it helps you make ends meet or put some extra cash in the bank that’s great! Sitting back and complaining about how hard things are will not help you. You need to go out there and do something about it.

Believe it or not employment is available everywhere. Help is always needed. There is always someone out there looking to pay somebody to do something for them. Take advantage!

Clip Coupons and Get Free Samples!

Many people don’t realize that coupons is basically FREE MONEY. It is a deal plan being offered to you by the retailer or manufacturer because they want you buy their products. There are coupon specials to help you save money on everything from food and other groceries to restaurants, clothes, household and personal care items.

You can also try out new products for FREE. Many companies send out promotional samples of new items before they even hit stores.

You can go to Walmart.com, or go to forums like startsampling.com, where new sample promotional products are posted daily for your taking. Just log on, sign up and wait for the items to arrive in your mailbox.

Eat Out Less; Take Your Lunch to Work

There is no real reason to spend money on food outside of groceries unless it is for a special occasion. Let’s say you spend about $5 every day during the work week (which is 5 days) on lunch. If you calculate about a month’s worth of lunch money, you are spending somewhere between $75-$100 per month, and up to $900-$1200 per year – on just lunch.

This is an unnecessary expense and this money could be put into a savings account. And while eating out at restaurants can be fun as our tongue pallets could always use stimulation and different tastes. There really is no need for you to eat out every other day of the week. Eating out any more than three times per month is a complete waste of money. It’s only food!

Try cooking more at home, get creative by trying out new recipes, or grilling with the family.

Work Towards Becoming Debt Free

One of the biggest causes of financial deterioration is debt. And debt is a word that nobody wants to see or hear. But believe it or not, debt can be controlled.

Make a list. You could use the money from your second job (as mentioned above) to pay off some credit cards and other bills. Pay off the debts with the highest rates first and work your way down the list. You could be saving a considerable amount of money on interest if you pay off high interest credit card debt.

You can make a proposal to your creditors to set up a payment plan that will allow you to pay your creditors in an orderly way and thus help preserve your credit rating.

Do you like what you just read? Find more tips on getting out of debt at www.fixingyourdebt.com or if you’re looking for ways ot supplement your income go to www.centsonadollar.blogspot.com for more interesting tips and advice.

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Understanding wealth principles is important if you want to build wealth. Different people opt for different strategies. Some prefer to invest in the stock market, some in real estate investments, etc. which helps in providing tax advantages and a steady stream of cash inflow. For different investors, wealth means different things. Some may prefer to accumulate material items such as own huge mansions, fancy cars and have the ability to relax throughout the day. But, for others the perspective differs!

Funds invested in the stock market grow significantly over a few years. Another section of people consider putting all their children through college, as wealth! A few strategies need to be followed to build wealth. Managing risks, starting early, spending less and making the most of the money you have are some of the strategies. Those understanding wealth principles know the meaning of compound interest. Start by saving early in life. At the end of the day, it’s all about how you keep.

Over the years if you save a significant amount, becoming a millionaire is not at all difficult. A steady job is sure to fetch you money on a regular basis. This is one of the first and most important methods of earning wealth. This will help in adding more to your already existing wealth. There are also secondary supplementary income sources of earning money. You can even work part time and earn additional income in your spare time. A control on your spending ability helps in curtailing a lot of onetime or reoccurring expenses. Setting aside a formal budget that can be easily followed and adhered to makes this process doable, however if a budget is not followed you may find yourself in debt.

Unfortunate and uncontrollable events in your life could wipe away years of your savings. An individual, understanding wealth principles well, will obtain a life insurance or property insurance to protect their savings and these investments if a catastrophic event did occur. Talk to people who can share their wealth building experiences with you and gain from their expertise. People with similar goals as yours will surely inspire and encourage you in your odyssey towards wealth building as a guiding principle. For further coaching, there are a number of wealth building seminars which provide you knowledge on different techniques of saving and earning for your future.

- About the Author: As the founder and owner of Afana Enterprises, David Afana has been assisting Network Marketing Professionals grow their business with proven success. Please feel free to visit David’s website at http://www.InjectMoreReps.com  or email David directly at david@afanaenterprises.com. Article Source

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For a person to feel really free and less stressed about his or her professional future the best thing to do is to find a source from which it is possible to earn a passive income. When you are capable of earning a decent amount of money from the passive source of income the dependence on the job lessens and that increases the confidence of the person seeking such an opportunity.

Also the person feels like there is no need for him or her to go back to toothier day job. Therefore creating passive revenue streams is an absolute necessity. Sometimes the passive earning source is so lucrative that the person prefers to only earn from this means. Passive income gives the person the confidence to live the way he or she likes and to enjoy personal and professional freedom to the fullest by choice of a new lifestyle. But finding a reliable source from which this form of passive or residual based income can be earned is also not easy.

You need to have luck on your side to actually find one with little effort. Therefore it is always a good idea to find one as soon as possible because the earlier you find a source the better it is to establish and position yourself in the business, pursuit or interest. Some of the sources include investing in a property, which can be rented out or leased. Another way of earning is to start a retail shop in which you can sell home made candy and in this method the returns that you will earn on your investment is very high as a few examples.

Another interesting way is to write books and you can earn all your life with the royalty that is earned on every book once it is sold. Also another method is to begin networking for selling the products of another bigger company and this case the money spent on advertising is very little, an example of this can be found in affiliate Marketing. Along with this, content writing and offering SEO strategies that are ingenious help you earn great passive revenue for the rest of your life.

- About the Author: As the founder and owner of Afana Enterprises, David Afana has been assisting Network Marketing Professionals grow their business with proven success. Please feel free to visit David’s website at http://www.InjectMoreReps.com  or email David directly at david@afanaenterprises.com. Article Source

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After the initial business effort has been expended when you continue to generate recurring income or passive income, it is referred to as residual income. A lot of people focus on earning salary, wages, commission, fees, etc. as means of linear income. Depending on the number of hours invested, you get a linear income. By understanding residual based income to develop true wealth, you are at an added advantage. Wealth can be defined as, at the end of the day, how much money is kept or in other words net positive cash-flow.

This is because once things are set in motion you earn money continuously from your initial effort. Linear income is directly proportional to the number of hours you have worked, generally paid in arrears. Those understanding residual based income to develop true wealth know a variety of ways of earning it. Residual income also enables you to devote more time to other things of interest because you can leverage of the efforts of others in your business. This helps to have more time to devote to the generation of additional streams of income.

A number of software programmers and gadgetry inventors now offer their services online and offline to enable potential customers to save, while promoting their ingenuity. A residual income need not be something you have to shop around for. It could be something as close to home as your skills and special abilities. The many potential avenues tapped regularly around the world to generate such an income include:

1) Buying real estate and letting it out subsequently, thus earning from rental or lease payments received on a monthly basis 2) Taking part in commercials, TV shows and movies in leisure time – students and home bound adults 3) Writers transferring rights of the book penned

A residual income as the term suggests is one that you can pick up without putting in mainstream approach. What this means is that while you are professionally engaged in an industry, your ability to serve society in some way or the other during leisure time does not necessarily have to be social-service! You could make the indulgence lucrative and rewarding. The passive income thus earned gives you a sense of balance and security, never having to ever feel threatened by a 9-5 ever again!

- About the Author: As the founder and owner of Afana Enterprises, David Afana has been assisting Network Marketing Professionals grow their business with proven success. Please feel free to visit David’s website at http://www.InjectMoreReps.com  or email David directly at david@afanaenterprises.com. Article Source

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Inflation is the most pervasive of all economic uncertainties.  It affects every part of our lives.  But when we want to want to create a wealth building strategy that is when it affects us the most.

Let’s first take a look at what inflation actually means.  Inflation is a rise in prices due to an increase in the money supply.  An increase in the money supply occurs when the Federal Reserve prints more dollars, which when added to the currency in circulation dilutes the overall value of money.  Prices rise because there is more money in circulation chasing fewer goods.  Many economists agree that a long sustained period of inflation is caused by money supply growing faster than the rate of economic growth.

Inflation has averaged 4.22% over the last 30 years.  If inflation continues at this rate, if you want to purchase something worth $10,000 today, in 30 years you will need over $32,400 to equal it.

Here’s another example of how inflation affects our livelihood: a $30,000 per year salary today will require a $97,300 per year salary in 30 years just to equal it.  Remember, that is just to cover the quality of life one has with a $30,000 per year job today.

One of the most obvious places one sees the effects of inflation is at the supermarket.  It seems that the prices of goods there never go down.  Even when a product is marked on sale, it seems that that “low” price was considered a high price just a few months before.  There is a price measurement scale related to these changes, it is called the Consumer Price Index, or CPI.  The CPI has been increasing by 118% since 1982.  This means that prices have more than doubled in the last 30 years!  How can anybody have a wealth building strategy when most of their paycheck goes onto the dinner table?

Knowing that inflation is such a wealth building killer, many people put their savings into various vehicles in order to make it grow.  Some people put it into a CD, a bond or money market account.  Others buy real estate or stocks.  All these wealth building strategies have seen losses from 51% to 8% over the course of the recession.  The only investment vehicles that have seen gains are CD’s and Money Market accounts.  But they are losers too, because both these savings vehicles are making less than 4.22% per year, meaning that inflation will still affect your wealth building goals.  It is a losing battle.

A wealth building strategy that does not take inflation into account cannot be successful. Learn how you can offset economic uncertainties like inflation at http://www.bestwealthbuildinginfo.com. Watch the video “13 Economic Uncertainties That Washington Wishes You Didn’t Know.”

- About the Author: Bettina Romberg writes about economic issues and how they relate to your financial future.  Get a free copy of her e-book, “The 13 Economic Uncertainties That Washington Wishes You Didn’t Know,” at her blog: http://www.bestwealthbuildinginfo.com Article Source

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I used to think that I had no alternative other than to spend my life trading time for money and trying not to lose it. Money felt like a scarce resource and there never seemed to be enough. I’ve since realized that this is because I had mistakenly linked the amount of money I could earn to the number of hours I could work. It’s a common misbelieve that money is a scarce resource but as I began to appreciate that there is a potentially infinite amount of money in the world and that by having more, I wasn’t somehow taking it away from someone else, then everything started to change.

You were not born to trade your limited and valuable time for money. Appreciate that time is the finite resource, not money and you’re well on the way to developing a prosperity mindset and achieving financial freedom.

How can you assess the nature of your current relationship with money? Just try telling a friend or family member that you intend to achieve financial freedom within the next 2 years and as you do so, notice how this makes you feel. If you feel empowered and positive, your beliefs are starting to align for financial freedom. However, if the conversation creates feelings of doubt, guilt and discomfort, then there is still some way to go before prosperity consciousness can kick in. The reaction of friends and family will also tell you the extent to which others are influencing your life dreams and aspirations.

So how can I begin to develop the right relationship with money? Perhaps the most effective method and one I employ daily is to use specific incantations while taking a brisk walk. Incantations are powerful statements spoken aloud with feeling which will gradually permeate the subconscious mind. Some examples of incantations to use everyday are:

• All the wealth I need is within me now • I love money and money loves me • There is an abundance of money in the universe and money is on its way to me right now • Money flows effortlessly and easily to me • When I give money, I am keeping money flowing in my life and more will return to me

It’s important to really feel the emotion that comes with incantations because positive feelings are what will attract the people and opportunities consistent with the realization of your dreams.

Developing the right relationship with money takes time. After all, the beliefs you’ve been using up to now have taken years to develop. By starting to put these tips to work, you will create the fertile soil in which to plant the right seeds and achieve financial freedom.

- About the Author: Andrew Bridgewater is a Chartered Psychologist and the creator of Steps To Financial Freedom for coaches, trainers and therapists. For a limited time only, download your free audio “5 Steps To Financial Freedom” at http://StepsToFinancialFreedom.co.uk   Article Source

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