hOw 2 be have Passive IncomE

Money concept

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There is expressing that money yield the money. If You own a few/little money, You easier to get the money which is more amount.

Charles Dickens

Properties which abundance is a holy truth to arrange its life spans to the good society

Andrew Carnegie

If money is Your expectation to obtain;get the freedom, You will never get it. In fact, acceptable guarantee by somebody in world is knowledge reserve, experience, and ability

Henry Ford

Human being undertake to make a living his acceptable, taking care of anything which can take care of of, and discharge all that can discharge of.

John D. Rockfeller Senior

There is one who own the money and there is one who rich

Geoffrey Chaucer

I comprehend that natural especial misery by mankind because estimate those who wrong to money value

Benjamin Franklin

If You wish to feel rich , count/calculate all goods which You own which cannot be bought with money.

Awanama

Take a care to small expenditure. Small leakage can engulf the big ship

Benjamin Franklin

From all puff freezing which blowing in love, request about money is damage and ghastliest something that.

Gustave Flaubert

Ordinary properties can be stolen the; properties which in fact cannot be stolen. in Your soul there are invaluable something that [of] its price and that cannot be taken away from Your life.

Oscar Wilde

Prosperity is good teacher. Misery is better teacher.

William Hazlitt

What is Money?

A lot of opinion's people about money and join immeasurable the assumption into their confidence system unconsciously and act according to that confidence. The example, You assure if money barren in tree.

“ Money make the world rotate the"
" Money is root from all badness"
" Rich growing impecunious and rich growing impecunious"
" Money barren in tree”

So Money is anything which You believe as truth about money reality. If You feel the confidence that money can give the strength permanently, money even also will function like that. If You feel the confidence that money bring the disease source, hence money even also will affect like that in Your life.

House prices have fallen by 2.5 per cent, so what?!

With house prices falling by 2.5 per cent in March 2008 you might think the whole country is on the verge of meltdown, but what does it really mean for us? The media may as well start saying that anyone with a mortgage is financially doomed, but are they correct?

Overall I'd say that there will be a medium fall in house prices in 2008, something like 5 per cent overall, at worst. What a lot of the reports in the media are failing to point out is that prices in March 2008 were still 1.1 per cent higher than March 2007. Yes, it is the biggest fall in house prices since the 1990's but we've not actually gone backwards on last year, yet! As ever the media are creating more drama out of this than neccessary.

The other point is that over the past few decades house prices have always increased. If you look, for example at the last decade the average UK house price has risen by something like £120,000, or by 171 per cent! So in the grand scheme of things a slight fall of a few per cent, combined with the fact that prices are still just over 1 per cent higher than this time last year, that isn't that much to panic about at the moment.

The UK has a good economic base at the moment, and these are supporting house prices; essentially a good, strong labour market combined with really very low interest rates. It would make good sense that the labour/employment sector is the main driving force of the housing market - i.e. with more people in employment than ever, in fact at a record high and continuous falling unemployment, more and more people will want to buy a house.

I think anyone 3 or more years into buying their home would have to be very unlucky, or have serious amounts of additional unsecured debts like loans or credit cards credit cards, to find themselves in a negative equity situation at the moment. If you have not managed to put a deposit down on your mortgage and so now have a 100 per cent mortgage you may end up owing more to your mortgage provider than your home is actually worth. (sumber: Simon Duffy)

Personal loans reach a five year high.

The credit crunch has had people and banks alike becoming more careful with their money. Currently banks are no longer offering the rates they may had before the credit crunch but despite this, customers are still turning to the banks for loans.

Consumer loans through personal loans and other forms of finance such as credit cards has soared its highest total for five years. Recent research conducted shows that consumer debt stands at £2.35 billion and a total of £350 million is due to outstanding debt on credit cards.

You can still obtain the better deals when you choose secured loans because there is less risk than unsecured loans. The rates on personal loans have risen considerably by 11.4% from just 10.6% in January, this has made obtaining a personal loan has become harder and more importantly those who do manage to get a loan have to pay more back.

Despite the bank of England cutting its rates, banks are not able to pass these on to their customers due to the credit crunch and banks refusing to lend to each to other. All this means finding the best rates is not as easy as it used to be.

Due to the credit crunch many banks want to lend larger amounts to a smaller pool of borrowers but some lenders still offer attractive rates for smaller amounts of money. The important fact to point out to everyone looking for loans is that there are very competitive deals available and spending a bit of time shopping online will enable you to compare the best deals from the UK’s leading lenders at the click of a button. Especially for those with good credit, who should not have as many problems gaining a loan as those with a poor credit rating.

(sumber: Karl Bantleman)

Youth Peace Project

YOUTH PEACE PROJECT

Our community peace project this year is a Youth Arts and Entrepreneur Conference. The theme of the conference is My Future is Bright Because... Young people from grades 4 to 12 will bring their own designs and learn how to use a heat press and button maker to manufacture their own t-shirts and buttons. They will work as a team and have the experience of running their own company.

Through out the day participants will go through the entrepreneur cycle of design, manufacturing, marketing, and sales. The students will earn youth designed biz bucks and be able to shop with their biz bucks and buy prizes at a youth run general store at the conference. This project is sponsored by Department of Human Services Prevention Department.

Plans are in the works for this community peace project to extend to a summer camp. Youth will meet twice a week and get a more in depth training in business and the arts. One day will be for business training hosted by the Empowerment Group. Their expertise is to help people develop a business idea that could earn a profit while making a positive impact in the community.

The other day they will meet to work on their art and manufacture their product line. They will also learn computer skills to develop their own marketing materials. By the end of the summer they will have a brochure completed and be able to take orders from their families and neighbors.

Once a month we've been hosting a community peace festival. Gospel rap artist and local youth entertainment put on a fantastic show. The kids really like the rap beat and the adults are glad that they are listening to a positive message. I suppose it is a win win situation. The MC Damon Morgan let the kids win cds form the rappers. The youth enjoy this and even some of the youngest participants have the material memorized in a week.

We have an off line news letter titled Peace Press where there are lots of pictures of the activities and information about college scholarships and even money available for students getting As and Bs in high school.

The anticipated outcomes for all this is that youth will realize peaceful solutions to help develop their own community by defining and developing their own dreams. . Even though we are in a so called distressed neighborhood. We strongly believe the wealth inside will create the peace we seek. (sumber: Vicki Tate)

Pay Off Your Credit Cards to Get Out of Debt

Tricks to Get Out of Credit Card Debt

It is not easy paying off credit cards. The banks do not want you to get out of debt. They need you to continue spending like the rest of society. They need you to give the least possible payment every time. They need you to pay whopping sums in finance charges each month. The following contains tricks to help you get out of debt by paying off those banks.

Quit Using Your Cards

This is the primary thing to do to get out of debt. You want to restrain yourself. Our society is built upon credit and the banks that supply it. Quit squandering cash on stuff that is unnecessary. Sacrifice those little things that are unnecessary to help get out of debt.

Do you have dinner in restaurants when you can just as easily have it at home? Do you spend money on new clothes when you do not need them? Do you go out to the theater instead of watching DVDs at home? To get out of debt you need to sacrifice some of the unnecessary things.

Take your cards and hide them somewhere in you house. Do not keep them with you when you leave. The lure of using them will be gone if you do not carry them. This is the first thing to do to get out of debt.

Pay As Much As You Can Each Month

If you give the least possible payment every time it will take forever to get out of debt. The minimum payment mainly includes the finance charges that you owe that month and does close to nothing to pay off your debt. If you only have one card, you should being sending about three to five times the minimum to get out of debt faster.

If you have more than one, there is an easy trick to get out of debt. First, organize your credit card bills by the finance charge rate. Pay off the card with the highest rate first while maintaining the minimum on the others. After the first one is paid, use the cash set aside for it on the next highest finance rate. Doing this will keep your finance charges as small as possible; helping you to get out of debt.

Example: If you have six cards. The minimum payment on them is $30. You have reduced your expenses to afford $350 per month. You want to pay just $30 on the cards with the low finance rate and the other $180 on the largest. After the largest is paid off, use that cash leftover to pay on the next one. You are now paying $210 on this one and getting out of debt.

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These are only a few tricks to help get you out of debt. Next time, I will give you some more tricks for paying off your credit cards and help you get out of debt.

Later,

Reed

(sumber: Reed)

How To Cope With Debt

With the UK consumer debt now exceeding the gross domestic product, it looks as though there are choppy times ahead. The housing market appears to be slowing and food prices are rapidly rising. Add to this the increasing number of mortgage problems and home repossessions, then the need to cut back and economise is increasingly important.

So where does this leave the little guy? Debt is one of the most unpleasant four letter words around. Depressing and consuming every last penny you are able to muster. A small amount of money is gathered together and then there is another outstretched hand wanting it for settlement of another bill. Almost like a bottomless pit.

There are two routes that can be taken in an effort to get out of this ‘pit’ �" the hard route and the easy route.

The hard route has disastrous results. It can involve Consolidation loans �" to be avoided at all costs (sorry for the pun), County Court Orders, the attendance of the Court Bailiff and, worst of all Bankruptcy. Don’t give it a thought. Instead, take the easy route.

The easy route is to review both your expenses out and income in, then making the necessary adjustments to become solvent again. A considerable amount of work is required here, but it is definitely the preferred route. Far better to do this in private at home where you can sit down, think and plan your moves, than having to do this in front of officials at the County Court and under pressure. No contest really.

There are many web sites now offering to ‘help’. Some are very flash with much drum banging and crammed with so-called ‘special offers’ which turn out not to be so very special when the small print or limitations are taken into consideration. The initial loud-mouthed announcement attracts attention but it quickly fizzles out! Not forgetting the charge they all make for ‘helping’ you.

Yes, another bill to add to those you have already collected. Even if you are not actually presented with a bill, remember, there is no such thing as a free lunch and this charge for their services will come in somewhere, maybe as a commission they will levy.

There are also genuine web sites which set out to explain how money can be saved, how to get the best deals when shopping, medicines, recipes, entertaining - some even cover motoring, insurance, banking, property �" in fact just about everything you need to know in the effort to save money.

Many are just set up and left in the hope that these sites will generate an income for the owner. Others make a determined effort to help people who need to watch every penny. These good sites are monitored by their web master and updated constantly with new information, tips to save money and the really good ones collect money saving information from their own readers. Nothing could get more genuine!

My own very down-to-earth money saving site is a no nonsense, helpful and informative site that even includes how to save money where your pet dog is concerned. Well worth a look as the author writes it from her own personal experience. It is a case of been there, done that. (sumber: Jo Withey)

A Review Of The Premier Funds HYIP Income Opportunity

All of the average people out there (which of course is most of us), is always looking for a solid income opportunity. Each day there are thousands of searches just on the internet alone of people looking for ways to make extra some cash. They will be happy to know that they will get thousands of responses to their searches. The hard part is distinguishing what programs are good and which ones are rip offs. For every one solid program out there; you will find 20 terrible rip off programs.

Who They Are

Premier Fund HYIP is an investment company that helps average people invest money easily. They are a company that invests in Foreign Exchange, stocks and stocks on margin. They also have fixed income products and real estate. They pride their company on the fact that they are professional traders in the stock market. There are a total of 17 traders and they are located around the world to be able to accommodate to the different time zones.

What They Do

Premier Fund HYIP invests in stocks and makes money off of them. That is pretty much the simple way to define what they do. If you are interested in joining them that is the other thing they do. They have a lot of members that sign up and invest money with them as well. It is easy to deposit and withdrawal money to and from your account and that is because of the way they set everything up.

How You Make Money

From this program you can make money a couple of different ways. The number one way to make money with Premier Fund HYIP is with their investment program. It is very simple; you invest your money, and they take care of the rest. The other way you can earn money is from referring other people to their company. For every person that you send to them, they will give you a 5% commission fee which does add up fast. If you can learn to trust Premier Fund HYIP, this can be a great opportunity. You would basically just be investing your money in a company so they can invest the money for you.

What We've Heard

The problem with a lot of these companies is that they are based off of a Pyramid Scheme. Premier Fund HYIP is different because it is all about the investments. You are just simply investing money in hopes of making into even more money, which is a good possibility from what is being said. The members right now are making quite a bit of money depending on how much they are investing.

It is definitely right of you to feel skeptical about any of these HYIP Companies. After all, you have to trust them with money that you have little control over. If you can learn to do that though, you may find that you had stumbled upon a great opportunity to make some extra income. There is no better way to use your money then with an investment. You just have to believe that Premier Fund HYIP is the one for you. (sumber: brian Garvin)

Retirement Planning Consultant Services

Approximately one third of your life will be spent in retirement. It is important to plan ahead to be able to provide for yourself and enjoy this time of your life. Retirement is never too difficult to handle. However, many still have the misconception that retirement is a burden and a very difficult situation.

Before you enter your retirement age, it is best that you plan. Starting your retirement planning early will give you less stress and less trouble. It is better to start early with a minimum amount than starting it late and be overwhelmed with the amount that you have to save.

Make an accurate assessment on what you already have. It is better that you assess with the exact figures rather than making estimates. Retirement planning does not only rely on finances but also on many factors such as, health, emotional aspects, retirement location and safety. It is better to consider these factors to help you sustain for yourself without depending on your children.

Planning is not only a one-time event. It is a continuous process and may vary depending on many circumstances. Make sure that you are ready for any circumstances that might affect your retirement plan so that you will be ready for necessary adjustments.

You may want to consider hiring a financial adviser to help you ease the complexities of retirement planning. Before you hire the services of a retirement planning consultant, determine first the areas where you need assistance. Is it the retirement plan itself or the methods you need to implement the retirement plan.

There are a lot of retirement planning consultants and you should choose the ones that are experienced and competent enough to do the job for you. You may seek the advice of your friends and families and they may refer you to persons who know the best retirement planning consultants.

You can do some selection process by interviewing the candidates about their background and experience. Make sure that you know the cost of the services they offer. Always remember that there is a tendency that they are selling their services and you should not believe whatever they say. It is still best to ask other people who have hired them to check their expertise.

Once you have made your final pick, determine if the person you hired is registered. You may contact your state securities to get this information. You have to make sure that the person is free from any illegal activities and could be trusted.

Retirement planning takes a lot of accountability. No matter how competent the retirement planning consultant could be, your planning still depends on your responsibility. If you become responsible with yourself, retirement planning is never a tough job. Make the little sacrifices now and reap the fruits when you retire. Retirement is a time to enjoy and relax and not to burden you. (sumber:Miodrag Trajkovic)