Life can be a very interesting journey and we all only get one go to get it right. Some may get a better start than others but still we pretty much get the same journey.
If you are one whose journey is not filled with rose petals when maybe it might have been a few years ago, all is not lost! It just means you have to learn new things or adjust some old habits. I believe we should always keep our options open for new opportunities to make our journey better, would you agree?
My thoughts are like this: if you have the chance to get new knowledge that would make your family's life better, which is more important - your loved ones or your ego?
One of the biggest fall-outs to the economic meltdown has been FICO scores. Where a score of 720 and above used to be a very good score, now credit-givers are looking for an 800 FICO. There are some factors which affect your score in ways you would never think it would and others make sense. While trying to help a gentleman and his wife work out a solution to their lowered credit availability and much lower household income, I found the husband was truly unwilling to accept that he needed assistance in making adjustments to his thinking as much as he did to his old spending habits. He clearly felt that what he knew about credit - which, by the way, was how it was treated pre-2007 - was superior. Using his logic, he kept doing the same things and these mistakes were killing his wife's FICO.
To get a basic idea of what could affect your score adversely, you can read this article I found on Yahoo! Finance: "Common Credit Card Mistakes". Using your cards can be a good thing; just be aware not paying back on time definitely is a score killer.
Even understanding that the "experts" may get things wrong, it still makes sense to adjust your thinking if your income changes to the extent you cannot have the lifestyle you had before the change.
Keep your mind open to new ideas and concepts; lifelong learning is what makes this journey so much more fun!
"An investment in knowledge always pays the best interest." - Ben Franklin
I'm looking forward to a fantastic 2010 and hope to see you all there too!
Ta~Jax
Sunday, December 13, 2009
Friday, December 4, 2009
Holidays are for Making Happy Memories!
I absolutely love the holiday season and the happy memories I associate with it: baking, decorating, and family time!
And, there are the favorite movies and songs that you have to hear at least three times...who can resist Nat King Cole, Bing Crosby, Adam Sandler, Chevy Chase?
The one thing I don't want to remember, for certain, is spending more than I had when the envelopes come in January!
How you handle it today is going to be determined by the current situation of your finances and what you believe is in your future. SO, what happens when the envelope comes and your expectations are a little shorter cash-wise?
Your first inclination is to probably pay the minimums. I bet you put "getting out of debt" in your top three on your New Year's resolution for 2010, didn't you?
Well, here's a little something to help you with that resolution: "Ignore the Credit Card Minimum Payment".
I've shared a lot of the concepts in this article, over the years, with my clients, high school classrooms and community groups to help them put together a debt-freedom plan, so you know I use them in practice and not just repeating this!
If you don't know where to start, I have a recommendation to give you as well! In a partnership with Equifax, Primerica has designed a very easy, affordable and completely secure program for you to design and implement your own freedom card! This program is also including up to $25,000 of Identity Theft protection. Here's your link: DebtWatchers.
The DebtWatchers program allows you to monitor your credit report, check who's looking at your credit and improve your FICO.
From my family to yours, I wish you the best holiday season with the warmest and best memories yet!
We love comments so you can leave one here or email me at dfebtcure123@gmail.com.
Happy Holidays! ~ Jax
And, there are the favorite movies and songs that you have to hear at least three times...who can resist Nat King Cole, Bing Crosby, Adam Sandler, Chevy Chase?
The one thing I don't want to remember, for certain, is spending more than I had when the envelopes come in January!
How you handle it today is going to be determined by the current situation of your finances and what you believe is in your future. SO, what happens when the envelope comes and your expectations are a little shorter cash-wise?
Your first inclination is to probably pay the minimums. I bet you put "getting out of debt" in your top three on your New Year's resolution for 2010, didn't you?
Well, here's a little something to help you with that resolution: "Ignore the Credit Card Minimum Payment".
I've shared a lot of the concepts in this article, over the years, with my clients, high school classrooms and community groups to help them put together a debt-freedom plan, so you know I use them in practice and not just repeating this!
If you don't know where to start, I have a recommendation to give you as well! In a partnership with Equifax, Primerica has designed a very easy, affordable and completely secure program for you to design and implement your own freedom card! This program is also including up to $25,000 of Identity Theft protection. Here's your link: DebtWatchers.
The DebtWatchers program allows you to monitor your credit report, check who's looking at your credit and improve your FICO.
From my family to yours, I wish you the best holiday season with the warmest and best memories yet!
We love comments so you can leave one here or email me at dfebtcure123@gmail.com.
Happy Holidays! ~ Jax
Monday, November 23, 2009
A Tech Post from Techno-challenged User
Just saw this post and since it's holiday time and lots of people use computers for just about everything, I thought I'd say a little something.
I am admittedly a techno-idiot; what I can do on the computer is through the careful tutelage of my daughter, over the years, starting back to when she was in nursery school. So, if I know anything at all, it's because I've learned who to ask the right questions!
Now, with that said, I just read this about reliability of laptops and, of course, who doesn't want their money spent wisely? We want the best bang for the buck, so to speak, right?
It looks like Toshiba and Asus are head of the list on reliability, while some big names are very low on that list. Here's the article and I hope it helps someone make a great purchase and have an awesome experience: "1 in 3 laptops die in first three years".
Comments are always welcome and Happy Holidays!
Ta~Jax
I am admittedly a techno-idiot; what I can do on the computer is through the careful tutelage of my daughter, over the years, starting back to when she was in nursery school. So, if I know anything at all, it's because I've learned who to ask the right questions!
Now, with that said, I just read this about reliability of laptops and, of course, who doesn't want their money spent wisely? We want the best bang for the buck, so to speak, right?
It looks like Toshiba and Asus are head of the list on reliability, while some big names are very low on that list. Here's the article and I hope it helps someone make a great purchase and have an awesome experience: "1 in 3 laptops die in first three years".
Comments are always welcome and Happy Holidays!
Ta~Jax
Sunday, November 22, 2009
BUYER BEWARE!
Trick or Treat or is the Holiday Shopping Season?
Yes, it's that time of the year when we barely have the pool closed, the patio furniture stored away, the winter wear down from the attic and Christmas carols are playing in every mall.
With every budget affected in some way by current economic trends, just about every one of us is looking for the bargains to abound this holiday season, right? I know our family is looking to shop smart this year. We may forgo personal gifts and make donations to a couple of charities instead and do something for each other rather than buy an item to gift.
Well, I don't know if every family wants to change their gifting tradition but this year's Black Friday may become a bit more brutal than others. A new article suggests that holiday shoppers will basically get tricked into shopping in some stores. This is the trick: You get the ad for a fabulous price for that TV you've been eyeing and make plans to get up at 3 am to be on line Friday after Thanksgiving. What you didn't see was the fine print: "Quantities limited, only 3 per store, no rainchecks" .
If you are first on that line, you might get the treat, however, like the ads for kids' contests read "many will enter, only one will win."
For your reading pleasure, I've included the link in this post. Find out what people in the industry are saying about the dirty little secrets of "Black Friday Doorbusters".
As always, would love to hear any feedback anyone may have!
Wishing everyone, and their families, a truly fabulous Thanksgiving!
Ta~Jax
Yes, it's that time of the year when we barely have the pool closed, the patio furniture stored away, the winter wear down from the attic and Christmas carols are playing in every mall.
With every budget affected in some way by current economic trends, just about every one of us is looking for the bargains to abound this holiday season, right? I know our family is looking to shop smart this year. We may forgo personal gifts and make donations to a couple of charities instead and do something for each other rather than buy an item to gift.
Well, I don't know if every family wants to change their gifting tradition but this year's Black Friday may become a bit more brutal than others. A new article suggests that holiday shoppers will basically get tricked into shopping in some stores. This is the trick: You get the ad for a fabulous price for that TV you've been eyeing and make plans to get up at 3 am to be on line Friday after Thanksgiving. What you didn't see was the fine print: "Quantities limited, only 3 per store, no rainchecks" .
If you are first on that line, you might get the treat, however, like the ads for kids' contests read "many will enter, only one will win."
For your reading pleasure, I've included the link in this post. Find out what people in the industry are saying about the dirty little secrets of "Black Friday Doorbusters".
As always, would love to hear any feedback anyone may have!
Wishing everyone, and their families, a truly fabulous Thanksgiving!
Ta~Jax
Thursday, November 12, 2009
Relief from the $38 cup of Joe!
Consumers have spoken and have been heard!
Effective July 1, 2010 --- of course sooner would be better --- those annoying overdraft fees for small and unimportant purchases will not be covered by overdraft unless you "opt-in" to the overdraft program with your bank.
It's slightly better to have an option to decide whether you are prepared to pay an $30 extra for a $5 cup of coffee as opposed to being stuck paying that much when you thought you'd just simply be declined if the $5 wasn't available in your account!
Now, just remember, you are still accountable for your financial well-being, so if you do "opt-in" stay on top of your deposits and your payments. This new ruling DOES NOT cover important bills like car loan payments and mortgage payments.
I've given you the link here so you have the posted article for yourself: "Fed: banks need customer consent on overdraft fees"
As always, comments are welcome! Anything you'd like to say {Please be nice!} send it to debtcure123@gmail.com.
Ta~Jax
Effective July 1, 2010 --- of course sooner would be better --- those annoying overdraft fees for small and unimportant purchases will not be covered by overdraft unless you "opt-in" to the overdraft program with your bank.
It's slightly better to have an option to decide whether you are prepared to pay an $30 extra for a $5 cup of coffee as opposed to being stuck paying that much when you thought you'd just simply be declined if the $5 wasn't available in your account!
Now, just remember, you are still accountable for your financial well-being, so if you do "opt-in" stay on top of your deposits and your payments. This new ruling DOES NOT cover important bills like car loan payments and mortgage payments.
I've given you the link here so you have the posted article for yourself: "Fed: banks need customer consent on overdraft fees"
As always, comments are welcome! Anything you'd like to say {Please be nice!} send it to debtcure123@gmail.com.
Ta~Jax
Monday, November 2, 2009
Wow! What Will They Think Of Next?
Just read this little post of Yahoo! Finance and, boy oh boy! They keep finding new ways to stay in black while customers are still in the red!
Who is "they"? The banking industry...you know, the ones who are also charging debit card users and online banking users astronomical account fees to cover purchases and payment. Take a moment to read this article, if you please; I think it's important you know what's happening: "5 Evil Things Credit Card Companies Can Still Do".
This is what's happening - there is legislation that limits some of the fees and rates charges on existing balances, protections for new account holders and how often increases on rates can occur on older accounts. There are still late payment fees that will apply and any other action a bank may have to take on delinquent accounts.
But, in light of the legislation that has been signed into law, our friendly bankers will now be able to charge for not using your card in 12 months, for not carrying a minimum balance or even for not charging enough in a 12 month period!
This is outrageous! I think we don't really need the banks to tell us they want us broke anymore, do we? They have no interest in how you and I live as long as they can charge us for ridiculous and, in many ways, frivolous fees so they may make money.
Obviously, no amount of law-making is going to protect us from these guys so I think it's time we look to alternative ways to bank utilizing more local banks & credit unions since the top players are just going to keep abusing our relationship with them.
Let me know your feedback via email debtcure123@gmail.com
Who is "they"? The banking industry...you know, the ones who are also charging debit card users and online banking users astronomical account fees to cover purchases and payment. Take a moment to read this article, if you please; I think it's important you know what's happening: "5 Evil Things Credit Card Companies Can Still Do".
This is what's happening - there is legislation that limits some of the fees and rates charges on existing balances, protections for new account holders and how often increases on rates can occur on older accounts. There are still late payment fees that will apply and any other action a bank may have to take on delinquent accounts.
But, in light of the legislation that has been signed into law, our friendly bankers will now be able to charge for not using your card in 12 months, for not carrying a minimum balance or even for not charging enough in a 12 month period!
This is outrageous! I think we don't really need the banks to tell us they want us broke anymore, do we? They have no interest in how you and I live as long as they can charge us for ridiculous and, in many ways, frivolous fees so they may make money.
Obviously, no amount of law-making is going to protect us from these guys so I think it's time we look to alternative ways to bank utilizing more local banks & credit unions since the top players are just going to keep abusing our relationship with them.
Let me know your feedback via email debtcure123@gmail.com
Wednesday, October 28, 2009
Making the right choice with your finances?
We've all heard the news and read the headlines so it does not bear repeating here. Now we all need to take action to make a few changes in how we think about money and how to use it.
As a financial professional , I've had people tell me that they are in good shape and have a plan for the future. "I've got a 401k for retirement and I have no debt! I'm good!" is what they generally mean which I also know not to be the case for most folks. A few minutes of conversation asking the right questions always reveals the actual situation. Most of us don't understand money, never mind what the options are or what they mean to us.
Now, what I mean to say is simply this - your financial choices may not be bad decisions but they may not be the right ones for you! Taking advice from a source not familiar with your personality and financial ability could take you to a place you had no intention of going.
Here's an article for you to illustrate this "6 Financial Moves That Sound Good But Aren't". The most important thing you must decide when you are faced with a financial choice is whether it will provide you with the result you desire.
Remember, there are things not within your control that may affect how things turn out. It is always best to maintain balance and, if you are unsure about what to do, consult your financial adviser to get an objective opinion.
Hope this helps and we'll post something soon for you with the holiday season just round the bend!
Ta~Jax
As a financial professional , I've had people tell me that they are in good shape and have a plan for the future. "I've got a 401k for retirement and I have no debt! I'm good!" is what they generally mean which I also know not to be the case for most folks. A few minutes of conversation asking the right questions always reveals the actual situation. Most of us don't understand money, never mind what the options are or what they mean to us.
Now, what I mean to say is simply this - your financial choices may not be bad decisions but they may not be the right ones for you! Taking advice from a source not familiar with your personality and financial ability could take you to a place you had no intention of going.
Here's an article for you to illustrate this "6 Financial Moves That Sound Good But Aren't". The most important thing you must decide when you are faced with a financial choice is whether it will provide you with the result you desire.
Remember, there are things not within your control that may affect how things turn out. It is always best to maintain balance and, if you are unsure about what to do, consult your financial adviser to get an objective opinion.
Hope this helps and we'll post something soon for you with the holiday season just round the bend!
Ta~Jax
Thursday, September 10, 2009
$38 Cup of Coffee?
Yep, you read that correctly...$38 for a cup of java! How does one pay $38 for a cup of coffee, you ask.
Remember the post a few weeks ago on "Are you a Joe Lunchbox"? Well, here's the 411 on the hidden and sinister fees that your bank and mine are sneaking into our budgets!
Imagine going into your favorite place to buy a cup of coffee and, as a responsible adult, you know you have cash in your checking account to cover your purchase. You use your debit card to help you keep track of your spending since it's harder to save receipts when you spend cash. So far, you're okay.
What you don't know is how your bank may process your transactions. They may decide to process your mortgage/rent payment first, car insurance next and lesser purchases after that. Because your timing and theirs may not be the same for your deposits vs. payments, you could end up paying $4 for a coffee with a $34 overdraft fee making your coffee purchase total $38! Not to mention, the overdraft fees because you didn't have the money available to process your mortgage/rent payment or your car insurance which is a result of the timing of the bank processing your transactions!
This truly is a conspiracy for banks to make up for the profits they are not making by overcharging customers and, so far, we have very little government protection to keep them from charging us for this "protection". Sounds to me, using banking online and debit cards need a little scrutiny and we need to go back to paper checks for some payments.
Here's the entire article for your perusal: "Overspending on Debit Cards is a Boon for Banks". I know there aren't many choices available to us when it comes to using debit cards vs credit but at least they're working on the credit card issues...maybe we can look at prepaid debit cards as a serious alternative to this insane world of fees. Try this link "Free Prepaid Credit/Debit Cards" for a post on how they work and a few can help you build a credit history.
If you have any questions or comments, I am always happy to hear from you!
Ta~
Jax
Remember the post a few weeks ago on "Are you a Joe Lunchbox"? Well, here's the 411 on the hidden and sinister fees that your bank and mine are sneaking into our budgets!
Imagine going into your favorite place to buy a cup of coffee and, as a responsible adult, you know you have cash in your checking account to cover your purchase. You use your debit card to help you keep track of your spending since it's harder to save receipts when you spend cash. So far, you're okay.
What you don't know is how your bank may process your transactions. They may decide to process your mortgage/rent payment first, car insurance next and lesser purchases after that. Because your timing and theirs may not be the same for your deposits vs. payments, you could end up paying $4 for a coffee with a $34 overdraft fee making your coffee purchase total $38! Not to mention, the overdraft fees because you didn't have the money available to process your mortgage/rent payment or your car insurance which is a result of the timing of the bank processing your transactions!
This truly is a conspiracy for banks to make up for the profits they are not making by overcharging customers and, so far, we have very little government protection to keep them from charging us for this "protection". Sounds to me, using banking online and debit cards need a little scrutiny and we need to go back to paper checks for some payments.
Here's the entire article for your perusal: "Overspending on Debit Cards is a Boon for Banks". I know there aren't many choices available to us when it comes to using debit cards vs credit but at least they're working on the credit card issues...maybe we can look at prepaid debit cards as a serious alternative to this insane world of fees. Try this link "Free Prepaid Credit/Debit Cards" for a post on how they work and a few can help you build a credit history.
If you have any questions or comments, I am always happy to hear from you!
Ta~
Jax
Thursday, September 3, 2009
"Let It Be Easy!"
Today, I'm doing a book review because I was so impressed with the simplicity of the information yet the profoundness of the writer's knowledge and wisdom. I've been on a journey of increasing my awareness of the world and my place in it and this book just said it all in very few words.
I just read through, on my first pass, a book my great friend Laura recommended I read, "Let It Be Easy", by Tolly Burkan. If you are a student of personal development, this is a must read! It takes all of the other books and concepts and condenses it into 11 different areas in which to improve your life and live to your potential.
"Let It Be Easy" is only 130 pages long so you're able to read it in a very short period of time. However, as I stated earlier, this is just a first pass and I can see myself reading this multiple times to concentrate on one area at a time. If you are a student of personal development, I know you understand re-reading the same book to "see" what you may have overlooked before or what you now "get" that you didn't previously!
As a financial adviser, this particular sentence struck me as the one thing I see in the world around me: "Many people allow their quality of life to deteriorate because their financial prosperity has misled them into believing that they were winning, when they were actually losing" ["Let It Be Easy", Burkan, 2005]. This book is not on finance but about your entire lifestyle and how it affects you and your place in the Universe.
The last advice it gives is to share the book with your circle of friends and, so, I hope you will all take the time to grab a copy of this awesome little book and "Let It Be Easy" for you!
As always, share your thoughts as they are welcome!
Ta~
Jax
I just read through, on my first pass, a book my great friend Laura recommended I read, "Let It Be Easy", by Tolly Burkan. If you are a student of personal development, this is a must read! It takes all of the other books and concepts and condenses it into 11 different areas in which to improve your life and live to your potential.
"Let It Be Easy" is only 130 pages long so you're able to read it in a very short period of time. However, as I stated earlier, this is just a first pass and I can see myself reading this multiple times to concentrate on one area at a time. If you are a student of personal development, I know you understand re-reading the same book to "see" what you may have overlooked before or what you now "get" that you didn't previously!
As a financial adviser, this particular sentence struck me as the one thing I see in the world around me: "Many people allow their quality of life to deteriorate because their financial prosperity has misled them into believing that they were winning, when they were actually losing" ["Let It Be Easy", Burkan, 2005]. This book is not on finance but about your entire lifestyle and how it affects you and your place in the Universe.
The last advice it gives is to share the book with your circle of friends and, so, I hope you will all take the time to grab a copy of this awesome little book and "Let It Be Easy" for you!
As always, share your thoughts as they are welcome!
Ta~
Jax
Monday, August 31, 2009
"Are You A Joe Lunchbox?"
I wanted to post this article several weeks ago after I and two of my associates had experienced this painful episode. I ended up closing an account that seemed to only keep adding fees on top of fees no matter what was deposited into the account. How do you get "insufficient funds" charges when there is cash in excess of the debit on the account?
If you have been experiencing a cash drain through your bank account, you might want to read this very carefully and pass it onto a friend!
You might be a "Joe Lunchbox" if..."Are you a Joe Lunchbox?"
As always, if you have questions, comments, concerns or suggestions, just email me at debtcure123@gmail.com. I always want to hear what others are saying!
Ta~
Jax
If you have been experiencing a cash drain through your bank account, you might want to read this very carefully and pass it onto a friend!
You might be a "Joe Lunchbox" if..."Are you a Joe Lunchbox?"
As always, if you have questions, comments, concerns or suggestions, just email me at debtcure123@gmail.com. I always want to hear what others are saying!
Ta~
Jax
Are You in the Right Business?
We get emails everyday from someone hyping a business online or we hear all about the great returns of starting your own business using a franchise system.
Don't get me wrong...I believe if you choose the right business you will be successful no matter the system or the media you use to promote your services or products. What does concern me is if someone is just exchanging one job for another and calling it a "business".
I just read an article which addresses some challenges to picking the right business or exchanging your old job for a new one,"The 7 Most Overrated Businesses". It has some very valid points we can all take a moment to ponder to see if we are, in fact, in the right business for our strengths, skills and passions.
You may be in one of these businesses and you may be extremely happy and successful, so it isn't an affront to anyone who is enjoying the benefits of small business ownership in these categories.
This is kind of a public service announcement to those who are feeling the pain of job loss and need to create an income. I just want you to carefully consider who you are and how your chosen small business will match up. Each will require investment of your, money, time and effort not to mention the support of your family.
So the more carefully you consider the business and look into yourself to see whether it's a commitment you can make for the long-term, the better your chances of success!
As always, if you have any suggestions or comments, please let me know what you think!
Ta~
Jax
Don't get me wrong...I believe if you choose the right business you will be successful no matter the system or the media you use to promote your services or products. What does concern me is if someone is just exchanging one job for another and calling it a "business".
I just read an article which addresses some challenges to picking the right business or exchanging your old job for a new one,"The 7 Most Overrated Businesses". It has some very valid points we can all take a moment to ponder to see if we are, in fact, in the right business for our strengths, skills and passions.
You may be in one of these businesses and you may be extremely happy and successful, so it isn't an affront to anyone who is enjoying the benefits of small business ownership in these categories.
This is kind of a public service announcement to those who are feeling the pain of job loss and need to create an income. I just want you to carefully consider who you are and how your chosen small business will match up. Each will require investment of your, money, time and effort not to mention the support of your family.
So the more carefully you consider the business and look into yourself to see whether it's a commitment you can make for the long-term, the better your chances of success!
As always, if you have any suggestions or comments, please let me know what you think!
Ta~
Jax
Monday, August 24, 2009
Make the Recession Your Friend
Aren't you tired of hearing about the doom and gloom of the economy? Friends, there is
an exciting upside to the new economy and we can write some new rules for ourselves
because of the recession!
What an opportunity to discover your passion right now! Look for ways you can
monetize your dream of owing your own business or maybe doing something you really
love instead. Aren't you tired of dragging yourself to a job you don't like for an income
you can't live on?
Your product or service may be more affordable, and, sometimes, price is not even the
real issue. If you can deliver superb customer service, you can build a pretty solid
business no matter the fees you charge. How often have you been frustrated by the
automated call center? I often press '0' searching for the real person on the other end to
answer my concerns!
Next, while you are in your full-time current position, create a company on a part-time
basis instead of a part-time job. Build it to an income-producing venture – do I need to
remind you to save part & reinvest part into the business? Taking this route provides you
with a spare tire in case you are downsized and a way to boost your finances for the
future!
Another way the recession can be your friend is by investing in the market. I am not
going to advocate one thing over another here – you need to speak with a financial
adviser to decide what is right for your situation and your risk tolerance. Remember, the
old show, "The Price is Right"? Well, that's Wall Street right now. Before prices shoot
back upwards, as they inevitably will, take advantage of the fact prices are low and create
your wealth accumulation plan or add to the one you have in place. Just like you would
buy certain items on sale, think of Wall Street in the same way! Why pay more for it
later?
So, even though, there are some scary things about the recession happening all around us,
there is another side to it, which is completely in your control. Take advantage of the free
small business seminars and workshops in your community college, recreation centers or
those hosted by local banks. They will help you with ideas, drafting a business plan or
even funding your dream! Make an appointment with a good financial adviser and set up
a personal and a business financial game-plan for you and your family to see what you
need to do make the recession work for you.
If anyone has any other suggestions that can lead to a happier and financially rewarding
lifestyle, please email me at debtcure123@gmail.com. I would love to post your ideas
and share them!
Ta! ~ Jax
an exciting upside to the new economy and we can write some new rules for ourselves
because of the recession!
What an opportunity to discover your passion right now! Look for ways you can
monetize your dream of owing your own business or maybe doing something you really
love instead. Aren't you tired of dragging yourself to a job you don't like for an income
you can't live on?
Your product or service may be more affordable, and, sometimes, price is not even the
real issue. If you can deliver superb customer service, you can build a pretty solid
business no matter the fees you charge. How often have you been frustrated by the
automated call center? I often press '0' searching for the real person on the other end to
answer my concerns!
Next, while you are in your full-time current position, create a company on a part-time
basis instead of a part-time job. Build it to an income-producing venture – do I need to
remind you to save part & reinvest part into the business? Taking this route provides you
with a spare tire in case you are downsized and a way to boost your finances for the
future!
Another way the recession can be your friend is by investing in the market. I am not
going to advocate one thing over another here – you need to speak with a financial
adviser to decide what is right for your situation and your risk tolerance. Remember, the
old show, "The Price is Right"? Well, that's Wall Street right now. Before prices shoot
back upwards, as they inevitably will, take advantage of the fact prices are low and create
your wealth accumulation plan or add to the one you have in place. Just like you would
buy certain items on sale, think of Wall Street in the same way! Why pay more for it
later?
So, even though, there are some scary things about the recession happening all around us,
there is another side to it, which is completely in your control. Take advantage of the free
small business seminars and workshops in your community college, recreation centers or
those hosted by local banks. They will help you with ideas, drafting a business plan or
even funding your dream! Make an appointment with a good financial adviser and set up
a personal and a business financial game-plan for you and your family to see what you
need to do make the recession work for you.
If anyone has any other suggestions that can lead to a happier and financially rewarding
lifestyle, please email me at debtcure123@gmail.com. I would love to post your ideas
and share them!
Ta! ~ Jax
Tuesday, June 16, 2009
Are You Getting Enough Sleep?
We all have heard the saying "you'll get plenty of sleep later when you're dead", right? Means you're not working or you're just lazy and doesn't leave you with the warm fuzzies if you just want to get a good night's sleep...
The lack of sleep is taking a toll on our bodies' health and ability to perform at peak levels so we might want to forget that old maxim and catch up on a few zzzz's to make our lives better!
It costs more than just short-changing ourselves on rest: it increases the cost of health care, the ability to make money, quality of life with our families, just to name a few big things.
If you're a chronic sufferer from indigestion, colds, fatigue, stress, you may not be getting enough sleep and not resting while you do sleep.
I came across this article in the Wall Street Journal that I believe gives us great insight into the topic and truly worth the read: "When Sleep Leaves You Tired" (June 9, 2009).
You might want to alter some of your activities to just simply allow yourself some snooze time and enjoy the time you have now!
TTFN~Jax
The lack of sleep is taking a toll on our bodies' health and ability to perform at peak levels so we might want to forget that old maxim and catch up on a few zzzz's to make our lives better!
It costs more than just short-changing ourselves on rest: it increases the cost of health care, the ability to make money, quality of life with our families, just to name a few big things.
If you're a chronic sufferer from indigestion, colds, fatigue, stress, you may not be getting enough sleep and not resting while you do sleep.
I came across this article in the Wall Street Journal that I believe gives us great insight into the topic and truly worth the read: "When Sleep Leaves You Tired" (June 9, 2009).
You might want to alter some of your activities to just simply allow yourself some snooze time and enjoy the time you have now!
TTFN~Jax
The Forgotten Art of Networking
Ever attend a networking event?
Ever walk away with a bunch of business cards and nothing ever transpires from your collection?
Ever hand out your business cards but you never get a call?
If you're able to answer "yes" to any of those questions, then you're in the "Land of the Lost Networker".
There is a difference in handing out a business card and making a connection. In my own experience, the "art" of networking has been sacrificed for being able to amass the largest collection of business cards. And all those cards become useless since there is no face or connection to provide a motivating reason for the receiver of the card to connect with the giver.
Of course, we all want to have people call us who are interested in our business and who truly want to do business with us. So, what could the challenge be?
The point of networking is to meet people with whom we can share our stories and our services so we can continue to reach our personal goals. Handing out your business card only shares a name and, occasionally, it scares some people from actually calling you even if they have the greatest need for what you do because of the impersonal feel.
What we need to remember is we are all doing the same thing and the networking party has now become a "me" event. That is, the only reason you have the card is for you to call them and benefit from their service and not the other way around!
The "art" of networking should be about what we all bring to the table, for what we can do for someone and also for what they may be able to do for you. When I network, my goal is to build goodwill; I want to know about your business, your ideal customer, how I may help you. My expectation is to build a solid relationship to help you reach your audience, and, let you get to know me so you feel comfortable referring me to people you know.
By the way, "goodwill" is an asset on your balance sheet which improves your net worth especially in the marketplace. If large organizations can use good will to increase their value, why shouldn't small businesses?
Granted, it isn't the fastest way of making money but it gives you more credibility. Our reputation is more more valuable than our business card collection! The next time you attend a networking event, spend time speaking with a few people and getting to know about them rather than trying to be the one to collect the most cards.
For more information, there is an awesome resource of material from Bob Burg, a renowned author and speaker on the subject of networking.
Let's bring more success to the Art of Networking for all us!
TTFN~Jax
Ever walk away with a bunch of business cards and nothing ever transpires from your collection?
Ever hand out your business cards but you never get a call?
If you're able to answer "yes" to any of those questions, then you're in the "Land of the Lost Networker".
There is a difference in handing out a business card and making a connection. In my own experience, the "art" of networking has been sacrificed for being able to amass the largest collection of business cards. And all those cards become useless since there is no face or connection to provide a motivating reason for the receiver of the card to connect with the giver.
Of course, we all want to have people call us who are interested in our business and who truly want to do business with us. So, what could the challenge be?
The point of networking is to meet people with whom we can share our stories and our services so we can continue to reach our personal goals. Handing out your business card only shares a name and, occasionally, it scares some people from actually calling you even if they have the greatest need for what you do because of the impersonal feel.
What we need to remember is we are all doing the same thing and the networking party has now become a "me" event. That is, the only reason you have the card is for you to call them and benefit from their service and not the other way around!
The "art" of networking should be about what we all bring to the table, for what we can do for someone and also for what they may be able to do for you. When I network, my goal is to build goodwill; I want to know about your business, your ideal customer, how I may help you. My expectation is to build a solid relationship to help you reach your audience, and, let you get to know me so you feel comfortable referring me to people you know.
By the way, "goodwill" is an asset on your balance sheet which improves your net worth especially in the marketplace. If large organizations can use good will to increase their value, why shouldn't small businesses?
Granted, it isn't the fastest way of making money but it gives you more credibility. Our reputation is more more valuable than our business card collection! The next time you attend a networking event, spend time speaking with a few people and getting to know about them rather than trying to be the one to collect the most cards.
For more information, there is an awesome resource of material from Bob Burg, a renowned author and speaker on the subject of networking.
Let's bring more success to the Art of Networking for all us!
TTFN~Jax
Tuesday, June 2, 2009
So You Don't Think You Can Save?
I had a very interesting conversation with a friend last week about saving money. We were discussing ways in which I might be able to help her save some cash and what she actually thought I said was to take extra money out of her pocket and save it for her.
This seems to be a common leap for most people when asked "what if you could save more money?" Communication is funny that way...what you say and what people hear are two different things but I'll save that conversation for another day.
So, the real question is this, "what if you were able to save money on something you already spend money on, part of your monthly budget, and put that savings to a better use?"
The reason I was asking her is a program I have available (in certain states) that may be able to help people get a better monthly cost for their auto & home insurance.
If you could, for instance save hundreds of dollars per year (let's say the equivalent of half a cell phone bill) and put it towards other necessary items in your budget, do you think it would be worth making a quick, free phone call?
In any case, I think most people are tapped in their budgets and it is difficult to find a way to save money out of pocket to fund your emergency savings account, retirement, or put college tuition plans in place.
This is just one idea, of a few, I know about to truly help others and would love to share with you on a personal basis depending upon your state of residence.
TTFN ~ Jax
This seems to be a common leap for most people when asked "what if you could save more money?" Communication is funny that way...what you say and what people hear are two different things but I'll save that conversation for another day.
So, the real question is this, "what if you were able to save money on something you already spend money on, part of your monthly budget, and put that savings to a better use?"
The reason I was asking her is a program I have available (in certain states) that may be able to help people get a better monthly cost for their auto & home insurance.
If you could, for instance save hundreds of dollars per year (let's say the equivalent of half a cell phone bill) and put it towards other necessary items in your budget, do you think it would be worth making a quick, free phone call?
In any case, I think most people are tapped in their budgets and it is difficult to find a way to save money out of pocket to fund your emergency savings account, retirement, or put college tuition plans in place.
This is just one idea, of a few, I know about to truly help others and would love to share with you on a personal basis depending upon your state of residence.
TTFN ~ Jax
How Prepared Are You?
Have you seriously checked your preparedness to weather financial challenges for you and your family?
It's truly easier than you think and I know many people put off taking a good hard look at that part of their life because it's scary. Who really wants to think about the negative things that can occur in your life?
Here are some really easy tips you can use as a guide to test your family's financial fitness in this article, "8 Things To Do Before You Invest Your Money". Many of these tips are truly common sense like developing your emergency fund once you know what your budget limits are monthly.
I don't agree with several points in the article such as dropping your broker once you think you're up on the financial news. Unless you have lots of time to devote to scouring the sources of financial information, you should always have a professional adviser to help you make the best decision for you.
Take a few moments to give it your attention and give yourself a chance to have peace of mind, personal control over your future and the path to hit those goals you have for your family.
If you have any questions or comments, please let me know your thoughts. I'd love to hear them.
TTFN ~ Jax
It's truly easier than you think and I know many people put off taking a good hard look at that part of their life because it's scary. Who really wants to think about the negative things that can occur in your life?
Here are some really easy tips you can use as a guide to test your family's financial fitness in this article, "8 Things To Do Before You Invest Your Money". Many of these tips are truly common sense like developing your emergency fund once you know what your budget limits are monthly.
I don't agree with several points in the article such as dropping your broker once you think you're up on the financial news. Unless you have lots of time to devote to scouring the sources of financial information, you should always have a professional adviser to help you make the best decision for you.
Take a few moments to give it your attention and give yourself a chance to have peace of mind, personal control over your future and the path to hit those goals you have for your family.
If you have any questions or comments, please let me know your thoughts. I'd love to hear them.
TTFN ~ Jax
Monday, May 25, 2009
What's Your FIN?
Hahaha! No, silly, I don't think you're a fish! Not a fin but your Financial Independence Number...
Do you know what it is?
Do you know what amount of cash will allow you to live the lifestyle you are visualizing?
What are the things you need to do that will help you in your life and your business to get there to whatever that amount is...?
Let me ask you this...would you plan your vacation without a destination in mind?
So if you would give your two or three week vacation careful consideration, why wouldn't your LIFE be as important?
Consider how you get from NY to California...
Do you just start out in any direction and hope you'll eventually get there?
OR.. would you take out your map and see the right direction to go in order to get there from New York so you can enjoy being in California as soon as you can?
IS YOUR LIFE WORTH THE SAME CONSIDERATION AS A MERE VACATION OF A COUPLE OF DAYS?
If someone could help you plan YOUR LIFE the same way you plan your trips, to help you get the most of who you can be, do you think you would be worth it?
So, again, do you know what your Financial Independence Number is? If you don't know, who are you going to say is responsible for you not arriving at your DESIRED DESTINATION in YOUR LIFE?
If you want to take control and responsibility over your life, your family's life, your business...maybe it might be time to grab it by finding someone who can do a FIN calculation for you!
If you have a comment, question or you're ready to control your ship of fortune...email me, Jax, at debtcure123@gmail.com.
Oh and did I mention...we can give you a free map to your FIN with all the rest stops and detours outlined for you!
I think you might want to just stop on by and take care of your future like you would if it were your honeymoon...
TTFN ~ Jax
Do you know what it is?
Do you know what amount of cash will allow you to live the lifestyle you are visualizing?
What are the things you need to do that will help you in your life and your business to get there to whatever that amount is...?
Let me ask you this...would you plan your vacation without a destination in mind?
So if you would give your two or three week vacation careful consideration, why wouldn't your LIFE be as important?
Consider how you get from NY to California...
Do you just start out in any direction and hope you'll eventually get there?
OR.. would you take out your map and see the right direction to go in order to get there from New York so you can enjoy being in California as soon as you can?
IS YOUR LIFE WORTH THE SAME CONSIDERATION AS A MERE VACATION OF A COUPLE OF DAYS?
If someone could help you plan YOUR LIFE the same way you plan your trips, to help you get the most of who you can be, do you think you would be worth it?
So, again, do you know what your Financial Independence Number is? If you don't know, who are you going to say is responsible for you not arriving at your DESIRED DESTINATION in YOUR LIFE?
If you want to take control and responsibility over your life, your family's life, your business...maybe it might be time to grab it by finding someone who can do a FIN calculation for you!
If you have a comment, question or you're ready to control your ship of fortune...email me, Jax, at debtcure123@gmail.com.
Oh and did I mention...we can give you a free map to your FIN with all the rest stops and detours outlined for you!
I think you might want to just stop on by and take care of your future like you would if it were your honeymoon...
TTFN ~ Jax
Saturday, May 2, 2009
Freedom Tag: How do you enjoy the state of being free?
I was invited to participate in freedom tag by my friend @BingFutch a few days ago. Wasn't really sure what it meant at first, but, I'm glad I took some time to understand it.
It's really a simple concept: Most of us do live free and express that freedom in many ways.
Here are the instructions:
When you’ve been tagged, create a blog or Facebook post in which you identify your 23 favorite ways to tap into your ever present sense of freedom, then tag 23 other people, including me, to do the same.
The suggestion is that we try something off everyone's list of freedom. Wouldn't it be great fun to do something you never thought of doing?
Here's my list of things:
It's really a simple concept: Most of us do live free and express that freedom in many ways.
Here are the instructions:
When you’ve been tagged, create a blog or Facebook post in which you identify your 23 favorite ways to tap into your ever present sense of freedom, then tag 23 other people, including me, to do the same.
The suggestion is that we try something off everyone's list of freedom. Wouldn't it be great fun to do something you never thought of doing?
Here's my list of things:
- The first morning promise of seeing the sunlight
- Having my daughter in my life and seeing life through her eyes
- The complete contentment of my dachshund after her morning romp and breakfast
- Sharing the laughter with a good friend over something you did that was so stupid you can't believe you did it
- Having a great meal with people you really care about and it wasn't really what you ate but the moments you shared
- Smiling at someone you just walked past who smiled back
- Late night conversations with a friend never yet met in real life discussing the possibilities of life
- Great music...understanding the passion, work, focus and love that makes music great
- The joy of Saturday morning to listen to my favorite comedy on National Public Radio
- Not having to commute to work...I only have to take a few steps to my "office"
- Watching the change of seasons from cycle to cycle
- Being able to make life more like a party and invite people to celebrate with me
- Learning how to connect with God
- Living through experiences and helping a friend live through a similar one
- Crying with a friend you love because you love them
- Reading...anything written that just speaks to you
- Remembering the past...everything that has happened made today
- Dreaming about the future and how tomorrow might change
- Wonder and joy at just being human...what would life be like if I weren't?
- Holding hands
- Walking in the rain
- Going to a familiar place by a new route
- Sleeping with a smile on my face :-))
Friday, May 1, 2009
Wondering If You Qualify for Loan Modification?
You've seen the headlines about the new legislation on the big financial meltdown which includes loan modification, right?
And, more than likely, like most of us, with the current headlines focused on health, no one has been keeping us up to date on how regular people are actually affected by the new laws. I, for one, want to know what's happening given the chance I may survive the swine flu.
Let's throw out a few facts* and I'll also share with you some ways to get help, ok? Great!
There are a few ways people are able to get help to relive their mortgage pressures. I'm going to be honest, some are are very desirable and others are not.
Let's start out with the bad news first: If you can't refinance, or qualify for the Loan Modification plan, your next best choice is to short sale your home. This, of course, is least desirable since you'd rather remain in your home. It is still better for you than having a foreclosure on your credit report and the possibility is that, if handled properly, you may get the mortgage satisfied with your bank.
Next best scenario, not the easiest though, is to do it yourself. It is a time-consuming effort but if you can save your home, lower your monthly mortgage payment, & save hundreds of thousands of dollars, wouldn't it be worth it to you and your family?
Here's a DIY resource you can check out: Loan Modifications On Your Own by Morgan, Blown Mortgageb blog. There are tips, manuals and videos to help you through the process of doing it yourself.
The best scenario: you have the ability to qualify for the loan modification (there are guidelines you have to meet for income & hardship) but you aren't able to negotiate with the bank. This leaves you with having to secure someone to act as your agent to speak with the bank or find a new one. Please Be Careful!! There are scams and lots of those who will charge you thousands or take the title to your home! Read everything before you hand money over to anyone or sign anything! This course of action will, of course have a fee attached to it, just don't go for the one that charges for the application. Try to work with a professional in your area you have a relationship with already, like the RE broker who sold you your home. Many RE professionals are qualified to help you or you can work with your financial services adviser who may also be qualified to assist.
I hope this helps someone with the desire and ability to stay in their home! It's good for the health of our families, our neighborhoods and our economy.
TTFN! ~ Jax
And, more than likely, like most of us, with the current headlines focused on health, no one has been keeping us up to date on how regular people are actually affected by the new laws. I, for one, want to know what's happening given the chance I may survive the swine flu.
Let's throw out a few facts* and I'll also share with you some ways to get help, ok? Great!
- In 2008, foreclosures increased 81% over 2007
- ALL 50 states are affected with Nevada, Florida, California, Arizona topping the list
- Did you know that for every foreclosed property in a neighborhood, surrounding property values decline as much as 9%
- Millions of homeowners who are CURRENT would like to refinance but can't due to lack of equity
- Millions are having challenges in making their mortgage payments due to a job loss, illness, crazy interest rate adjustments or other hardships
There are a few ways people are able to get help to relive their mortgage pressures. I'm going to be honest, some are are very desirable and others are not.
Let's start out with the bad news first: If you can't refinance, or qualify for the Loan Modification plan, your next best choice is to short sale your home. This, of course, is least desirable since you'd rather remain in your home. It is still better for you than having a foreclosure on your credit report and the possibility is that, if handled properly, you may get the mortgage satisfied with your bank.
Next best scenario, not the easiest though, is to do it yourself. It is a time-consuming effort but if you can save your home, lower your monthly mortgage payment, & save hundreds of thousands of dollars, wouldn't it be worth it to you and your family?
Here's a DIY resource you can check out: Loan Modifications On Your Own by Morgan, Blown Mortgageb blog. There are tips, manuals and videos to help you through the process of doing it yourself.
The best scenario: you have the ability to qualify for the loan modification (there are guidelines you have to meet for income & hardship) but you aren't able to negotiate with the bank. This leaves you with having to secure someone to act as your agent to speak with the bank or find a new one. Please Be Careful!! There are scams and lots of those who will charge you thousands or take the title to your home! Read everything before you hand money over to anyone or sign anything! This course of action will, of course have a fee attached to it, just don't go for the one that charges for the application. Try to work with a professional in your area you have a relationship with already, like the RE broker who sold you your home. Many RE professionals are qualified to help you or you can work with your financial services adviser who may also be qualified to assist.
I hope this helps someone with the desire and ability to stay in their home! It's good for the health of our families, our neighborhoods and our economy.
TTFN! ~ Jax
Monday, April 27, 2009
Small Business Benefits: Retirement Accounts
Some things are guaranteed never to change and one of them is life!
No matter what we do, life continues to change and challenge our ability to keep up. I saw this news snippet last night & thought I would share it since I thought it would apply to many of us in the "Boomer" generation as well as those who have decided to create our own businesses: "Small Biz Owners Worry"
Not a lot of info nor any solutions; just enough to throw people into a panic: Don't panic! You've actually taken the best step towards being on track by having your own business. Thing is, there is no reason to panic at all. The economy and the marketplace always adjusts to the changes and challenges life poses for us.
I've been in the business of helping people, for a number of years, to resolve the challenge of whether you're on track for your retirement goals. By the way, one other thing that never changes is the ability of the business owner to reap some tax benefits!
So read the article with the understanding many small biz owners have the same concerns as you about the future while knowing all you need to do is reach out for the help!
You are the expert in your field, so, let the experts in retirement planning assist you with the proper tools to keep you at peak performance!
Thanks for sharing this moment! I look forward to any comments you'd like to share...TTFN!
Jax
No matter what we do, life continues to change and challenge our ability to keep up. I saw this news snippet last night & thought I would share it since I thought it would apply to many of us in the "Boomer" generation as well as those who have decided to create our own businesses: "Small Biz Owners Worry"
Not a lot of info nor any solutions; just enough to throw people into a panic: Don't panic! You've actually taken the best step towards being on track by having your own business. Thing is, there is no reason to panic at all. The economy and the marketplace always adjusts to the changes and challenges life poses for us.
I've been in the business of helping people, for a number of years, to resolve the challenge of whether you're on track for your retirement goals. By the way, one other thing that never changes is the ability of the business owner to reap some tax benefits!
So read the article with the understanding many small biz owners have the same concerns as you about the future while knowing all you need to do is reach out for the help!
You are the expert in your field, so, let the experts in retirement planning assist you with the proper tools to keep you at peak performance!
Thanks for sharing this moment! I look forward to any comments you'd like to share...TTFN!
Jax
Thursday, April 23, 2009
Social Media and Being Social
I'd really like to hear from others about their experiences on social networks, so I'll just start with my own!
Are you a social network-aholic on all the sites? Facebook, Twitter, FriendFeed, micro social networking sites, etc are all the newest thing and all are growing at great intensity. I am an admitted addict to Twitter! At first, it was Facebook until all the MLM'ers decided it was their video playground instead of using You Tube and My Space.
Personally, I love the interaction of thoughts, humor and genuine positive-ness Twitter provides. Some days, it's a sort of stream of consciousness; others there are specific things addressed.
For me, it's a great place to know what people are doing in the big wide world, learn new things, finding a place of common interests. With that said, I like to take it to the next level to reach out to those located in my local geographical area.
My philosophy is not to sell you anything other than who I am and my value to you as a person. I prefer to sell, if I must use "sell", my services once you know more about me and I know more about you. The saying "people don't care how much you know until they know how much you care" is one that resonates with me, as my service is of no value to you if you don't have a need for it. So, why should I push at you, thereby alienating you as someone I might really want to know genuinely as a friend?
I do want to really network with my new connections and know them as real people with real ideas and goals. Yes, we can get added value from our daily web interaction; wasn't that the real reason you joined in the streams of conversation on your preferred network? If so, cultivate the seed you've grown and appreciate the great people you've met!
It's clear many of us want to find more people to help us grow our business, further our causes or the ability to reaffirm our humanity. Even if your business or cause or needs can be done from the Internet without ever seeing another living person, isn't nice to go out and meet real people and establish your sincerity in knowing them?
That's enough of my ranting...what's your experience?
TTFN!
Jax
Are you a social network-aholic on all the sites? Facebook, Twitter, FriendFeed, micro social networking sites, etc are all the newest thing and all are growing at great intensity. I am an admitted addict to Twitter! At first, it was Facebook until all the MLM'ers decided it was their video playground instead of using You Tube and My Space.
Personally, I love the interaction of thoughts, humor and genuine positive-ness Twitter provides. Some days, it's a sort of stream of consciousness; others there are specific things addressed.
For me, it's a great place to know what people are doing in the big wide world, learn new things, finding a place of common interests. With that said, I like to take it to the next level to reach out to those located in my local geographical area.
My philosophy is not to sell you anything other than who I am and my value to you as a person. I prefer to sell, if I must use "sell", my services once you know more about me and I know more about you. The saying "people don't care how much you know until they know how much you care" is one that resonates with me, as my service is of no value to you if you don't have a need for it. So, why should I push at you, thereby alienating you as someone I might really want to know genuinely as a friend?
I do want to really network with my new connections and know them as real people with real ideas and goals. Yes, we can get added value from our daily web interaction; wasn't that the real reason you joined in the streams of conversation on your preferred network? If so, cultivate the seed you've grown and appreciate the great people you've met!
It's clear many of us want to find more people to help us grow our business, further our causes or the ability to reaffirm our humanity. Even if your business or cause or needs can be done from the Internet without ever seeing another living person, isn't nice to go out and meet real people and establish your sincerity in knowing them?
That's enough of my ranting...what's your experience?
TTFN!
Jax
Saturday, March 21, 2009
I'm In The Business of Finding A New Job!
Last post, I advocated Home Business and Business Ownership. And, then, you said, "I am not interested in being involved with that stuff! I need a salary, I like working for other people."
Cool beans! We need people to have that focus and perspective. It keeps business healthy and competitive!
However, you need one and you're facing a lot of competition in your field and the job market is just downright fierce! Grwwwl!!
Okay, I have a few tips to share with you on getting yourself in front of an interviewer. Most of what you read will be links to other sites for more info as I haven't been on the path of job searching for a while.
We could agree the first thing you need is the killer resume even before you make the connection, right?
Here's a great site: "You Need A Better Resume" [This] is the first website that allows you to create an Internet-based, media-rich resume, build and manage an online career portfolio, and securely share professional qualifications with your customers, partners, employers and colleagues. It’s EASY, FUN and FREE!"
Is free good? I think so; if it's free, then it's for me!
And, another post for getting that resume you just created in front of someone, from Lifehacker: "Top Ten Tools for Landing a Better Job" by Kevin Purdy (Feb. 21, 2009)
"From the first Google search to the last interview, you can boost your odds at landing a better job with the right preparation. Here are our ten best tools and tips for job-seekers and career climbers."
There are other things you can do to connect with people like using "Facebook" connections and network through friends and associates. Twitter has a community and a follower/friend for people searching for positions and, there are all kinds of events and support groups to help you meet people and network.
I hope some of this helps someone with their search
Cool beans! We need people to have that focus and perspective. It keeps business healthy and competitive!
However, you need one and you're facing a lot of competition in your field and the job market is just downright fierce! Grwwwl!!
Okay, I have a few tips to share with you on getting yourself in front of an interviewer. Most of what you read will be links to other sites for more info as I haven't been on the path of job searching for a while.
We could agree the first thing you need is the killer resume even before you make the connection, right?
Here's a great site: "You Need A Better Resume" [This] is the first website that allows you to create an Internet-based, media-rich resume, build and manage an online career portfolio, and securely share professional qualifications with your customers, partners, employers and colleagues. It’s EASY, FUN and FREE!"
Is free good? I think so; if it's free, then it's for me!
And, another post for getting that resume you just created in front of someone, from Lifehacker: "Top Ten Tools for Landing a Better Job" by Kevin Purdy (Feb. 21, 2009)
"From the first Google search to the last interview, you can boost your odds at landing a better job with the right preparation. Here are our ten best tools and tips for job-seekers and career climbers."
There are other things you can do to connect with people like using "Facebook" connections and network through friends and associates. Twitter has a community and a follower/friend for people searching for positions and, there are all kinds of events and support groups to help you meet people and network.
I hope some of this helps someone with their search
Need Another Income? Become A Business Owner!
It's the challenge of any economy, personal or global: where to generate enough money to pay for goods.
So, right now, in mainstream media, network marketing and MLM (multi-level marketing) opportunities have a new life! This is good for not only those in Home Businesses; it's great for the economy!
Here's just a few reasons why it's good for you:
1: You have an opportunity to earn income separate from your job. If something affects your salary, you have a back-up plan and if nothing happens, you have a spare tire to pump more cash into your future goals!
2: You can explore your passion for profit and interests and involve your family! Does your full time job allow you this freedom? If it does, that is wonderful! If not, you can use your skills and interests to build a legacy for your future and even pass it on to your children.
I have friends who love what they do in their job and build a business to fund their future!
3: This is a capitalistic society which rewards business ownership. The tax system in the US allows you greater options than regular wage-earners. It could change the amount of disposable income (cash you can use) you have available.
4: It makes the economy healthier to have people earning,spending and saving! Look at it this way...the more goods sold, the more times money exchanges hands, the more money companies have available to develop new technologies. It's the consumer that drives the markets.
I've been in my business for several years sharing my passion for building a business and helping other people build theirs. The opportunity to serve others while earning income for myself is one of the joys in my life. So much more fun than being a cubicle rat trying to reach the next promotion and hope a raise comes with it!
Robert Kiyosake, author of the "Rich Dad, Poor Dad" series of books, developed the Cash Flow Quadrant. The CFQ simplifies the transition from being the employee to becoming an investor. Having a system in place, allowing you to earn income, whether you are there or not, is the key to becoming financially secure.
Network Marketing/MLM is not about "getting rich quick". Rather, it is a way to better your lifestyle, provide you with more options, and possibly do something you always wanted to.
You can check out those opportunities, and, I can only speak for mine, online. Make sure you do your due diligence on whichever company you find interest in as you will have to make an investment in it. There are fees associated with most of the things we do in life; there are no free lunches.
However, contrasted with franchise ownership, "mom and pop" shops, restaurants and the like, these opportunities give you a greater potential for income, with more leverage of your time without the huge investment of capital.
These opportunities aren't for everyone. They are for you if you've ever said you want more:
More than you have now,
More than your current career will provide you or
You simply want to do something important to help other people
If you'd like to take a look at my business, you can check it out here: http://www.primerica.com/jlicurse. My business is helping people to understand the rules of money and to get more value for their income. You can leave a message there or you can email me directly: debtcure123@gmail.com.
I'd love to hear your comments!
TTFN~Jax
So, right now, in mainstream media, network marketing and MLM (multi-level marketing) opportunities have a new life! This is good for not only those in Home Businesses; it's great for the economy!
Here's just a few reasons why it's good for you:
1: You have an opportunity to earn income separate from your job. If something affects your salary, you have a back-up plan and if nothing happens, you have a spare tire to pump more cash into your future goals!
2: You can explore your passion for profit and interests and involve your family! Does your full time job allow you this freedom? If it does, that is wonderful! If not, you can use your skills and interests to build a legacy for your future and even pass it on to your children.
I have friends who love what they do in their job and build a business to fund their future!
3: This is a capitalistic society which rewards business ownership. The tax system in the US allows you greater options than regular wage-earners. It could change the amount of disposable income (cash you can use) you have available.
4: It makes the economy healthier to have people earning,spending and saving! Look at it this way...the more goods sold, the more times money exchanges hands, the more money companies have available to develop new technologies. It's the consumer that drives the markets.
I've been in my business for several years sharing my passion for building a business and helping other people build theirs. The opportunity to serve others while earning income for myself is one of the joys in my life. So much more fun than being a cubicle rat trying to reach the next promotion and hope a raise comes with it!
Robert Kiyosake, author of the "Rich Dad, Poor Dad" series of books, developed the Cash Flow Quadrant. The CFQ simplifies the transition from being the employee to becoming an investor. Having a system in place, allowing you to earn income, whether you are there or not, is the key to becoming financially secure.
Network Marketing/MLM is not about "getting rich quick". Rather, it is a way to better your lifestyle, provide you with more options, and possibly do something you always wanted to.
You can check out those opportunities, and, I can only speak for mine, online. Make sure you do your due diligence on whichever company you find interest in as you will have to make an investment in it. There are fees associated with most of the things we do in life; there are no free lunches.
However, contrasted with franchise ownership, "mom and pop" shops, restaurants and the like, these opportunities give you a greater potential for income, with more leverage of your time without the huge investment of capital.
These opportunities aren't for everyone. They are for you if you've ever said you want more:
More than you have now,
More than your current career will provide you or
You simply want to do something important to help other people
If you'd like to take a look at my business, you can check it out here: http://www.primerica.com/jlicurse. My business is helping people to understand the rules of money and to get more value for their income. You can leave a message there or you can email me directly: debtcure123@gmail.com.
I'd love to hear your comments!
TTFN~Jax
Wednesday, March 18, 2009
Congress is OK with spending your money...but not theirs!
Hmm...You're a business owner/entrepreneur working hard to provide a future for your family. How do you feel about that? I'll tell you from my point of view, it doesn't give me the warm fuzzies.
I'm kind of practical about money, no mirrors, no smoke, no BS. Just plain, simple organization now when I have time before the next tax return or tax payment is due. So, with this in mind, Spring 2009 is the best time for all of us to put together a solid plan to take advantage of the tax benefits. You'll have this year's info fresh on the things you can or would like to do better.
The point is to help you to put together a plan to identify ways in which you can save and benefit on your next return starting now with strategies that will pay off later as well.
Most of us took a hit in the market in retirement accounts, however, don't give up on the market! It's still going strong and the dollar is picking up strength. Now is the time to take advantage of the pretty nice discounts on Wall Street. Just be careful of what you choose. Get yourself a financial adviser and a team of professionals so you leverage your time wisely to make your first cool million! I can suggest an awesome and extremely cost effective way when you leave an email for me at http://www.primerica.com/jlicurse with your request for more information.
Please don't ignore the basic foundation of your life and your family. Just because you might today have a full-time income and an income stream from your business doesn't guarantee this will always be the case. Which means you may not have the benefits from an employer in the event of an unfortunate event.
So two questions:
-- Are you aware of how much cash you need to help you if you lose your position?
-- Are you aware of your family's income needs in case your income is lost due to death?
You will also need to protect those assets and wealth you've accumulated if you get ill and need to have nursing care or rehabilitative care.
Have you prepared for any kind of legal protection either personally or professionally? You may need to consider all these things as part of your plan for a comfortable future. But if you're giving all your cash to the government, you will have less to invest on your family's future!
Feel free to email me: debtcure123@gmail.com and ask any question you have. I can refer you to someone near your location to consult and with no fee. Remember, Together Everyone Achieves More!
TTFN! and Thanks for stopping by!
Jax
I'm kind of practical about money, no mirrors, no smoke, no BS. Just plain, simple organization now when I have time before the next tax return or tax payment is due. So, with this in mind, Spring 2009 is the best time for all of us to put together a solid plan to take advantage of the tax benefits. You'll have this year's info fresh on the things you can or would like to do better.
The point is to help you to put together a plan to identify ways in which you can save and benefit on your next return starting now with strategies that will pay off later as well.
Most of us took a hit in the market in retirement accounts, however, don't give up on the market! It's still going strong and the dollar is picking up strength. Now is the time to take advantage of the pretty nice discounts on Wall Street. Just be careful of what you choose. Get yourself a financial adviser and a team of professionals so you leverage your time wisely to make your first cool million! I can suggest an awesome and extremely cost effective way when you leave an email for me at http://www.primerica.com/jlicurse with your request for more information.
Please don't ignore the basic foundation of your life and your family. Just because you might today have a full-time income and an income stream from your business doesn't guarantee this will always be the case. Which means you may not have the benefits from an employer in the event of an unfortunate event.
So two questions:
-- Are you aware of how much cash you need to help you if you lose your position?
-- Are you aware of your family's income needs in case your income is lost due to death?
You will also need to protect those assets and wealth you've accumulated if you get ill and need to have nursing care or rehabilitative care.
Have you prepared for any kind of legal protection either personally or professionally? You may need to consider all these things as part of your plan for a comfortable future. But if you're giving all your cash to the government, you will have less to invest on your family's future!
Feel free to email me: debtcure123@gmail.com and ask any question you have. I can refer you to someone near your location to consult and with no fee. Remember, Together Everyone Achieves More!
TTFN! and Thanks for stopping by!
Jax
Monday, March 9, 2009
What We See Depends Mainly On What We Look For
Getting the Best Financial Coach on Your Team!
"What we see depends mainly on what we look for." M. Sloane, PhD
Yes, it is a strange way to start a blog post laying out some basics for finding your financial adviser, however, pretty appropriate when you take a look at what you want to change in your present. If your primary business is not financial services, you can better leverage your time by utilizing someone trained to coach you in your finances while you do what is most necessary to earn income. Sort of like going to the gym and trying to figure out where to start...You need a personal trainer to help you get the best results!
Just what do you need to know to make sure you have the right financial coach? A note here: the right person is a coach helping you and supporting to achieve the best result based on your needs, expectations and goals for your future!
You are a team working for you to help make the right decisions. You must be part of the process since it is your future we're talking about, ok?
The basics you look for should be on the following list, however, there are other more specific areas you should address when you sit down with them.
6 Basics for Choosing Your Financial Adviser
1 - The best way to determine the right person for you is on a referral from people you trust. The financial adviser's credibility relies upon the work they have done with someone who is influential in your life.
2 - Ask questions! If you don't ask questions, it is more difficult for them to fit the solution to your needs. If they don't understand your needs and goals, interview another until you do.
3 - Will they prepare a comprehensive plan for you, how much will it cost you and what is the process to implement the recommendations? It could cost you to obtain the plan, to implement the recommendations or to even to consult with the adviser.
4 - What is the level of transparency of the financial adviser? Do they give you full disclosure of all the services and products they offer you? Can you do due diligence of the company and check their track record through independent sources?
You want to be comfortable that the company has a reputation of note and you are able to contact someone to verify accounts.
5 - Make sure their specialty and your needs are the same! Every adviser doesn't have services in every area - ie, insurance, investments, mortgages, trust planning, etc. Get one that can serve as many of your needs as possible.
6 - Are you willing to take advice from this person whose job it is to coach you on your finances? No financial adviser can coach you well if you are not ready to take action or are resistant to change. We want our clients to be our friends and trust that we have your best interest at heart.
So these are just a few ideas to start off your search for the right person and right results.
I am always available to answer your questions if you need more help!
TTFN~
Jax
"What we see depends mainly on what we look for." M. Sloane, PhD
Yes, it is a strange way to start a blog post laying out some basics for finding your financial adviser, however, pretty appropriate when you take a look at what you want to change in your present. If your primary business is not financial services, you can better leverage your time by utilizing someone trained to coach you in your finances while you do what is most necessary to earn income. Sort of like going to the gym and trying to figure out where to start...You need a personal trainer to help you get the best results!
Just what do you need to know to make sure you have the right financial coach? A note here: the right person is a coach helping you and supporting to achieve the best result based on your needs, expectations and goals for your future!
You are a team working for you to help make the right decisions. You must be part of the process since it is your future we're talking about, ok?
The basics you look for should be on the following list, however, there are other more specific areas you should address when you sit down with them.
6 Basics for Choosing Your Financial Adviser
1 - The best way to determine the right person for you is on a referral from people you trust. The financial adviser's credibility relies upon the work they have done with someone who is influential in your life.
2 - Ask questions! If you don't ask questions, it is more difficult for them to fit the solution to your needs. If they don't understand your needs and goals, interview another until you do.
3 - Will they prepare a comprehensive plan for you, how much will it cost you and what is the process to implement the recommendations? It could cost you to obtain the plan, to implement the recommendations or to even to consult with the adviser.
4 - What is the level of transparency of the financial adviser? Do they give you full disclosure of all the services and products they offer you? Can you do due diligence of the company and check their track record through independent sources?
You want to be comfortable that the company has a reputation of note and you are able to contact someone to verify accounts.
5 - Make sure their specialty and your needs are the same! Every adviser doesn't have services in every area - ie, insurance, investments, mortgages, trust planning, etc. Get one that can serve as many of your needs as possible.
6 - Are you willing to take advice from this person whose job it is to coach you on your finances? No financial adviser can coach you well if you are not ready to take action or are resistant to change. We want our clients to be our friends and trust that we have your best interest at heart.
So these are just a few ideas to start off your search for the right person and right results.
I am always available to answer your questions if you need more help!
TTFN~
Jax
Friday, March 6, 2009
What's In A Name?
Hi!
Just dashing off a quick note about brands, names and recognition this morning!
As I usually do with my first cup of coffee of the day, I log onto to Twitter (I can enjoy two addictive behaviors at once) to see what's new and who doing what. Twitter is faster than any news service and there's only 140 characters in which to voice your views so no editorializing! Awesome!!
Getting back on topic, one of the first articles posted "Don't Be A Sleestack" http://tinyurl.com/bxcnxk
is about the choice of name you use on Twitter and how it can be viewed in a negative way keeping your identity masked for not-so-wonderful purposes.
Even though this may pose an occasional Twitter snub, what is truly most important is the fact that your brand and name recognition may be key to your presence in any setting. The only time I can think of when we deliberately attend a social function and want anonymity is at a masquerade party.
So, I've changed my Twitter name to @JaxLicurse and everything else remains the same.
My brand is still debt cures but I want to give you a real person behind the solution because it is about people and not about brands!
TTFN!
Jax
Just dashing off a quick note about brands, names and recognition this morning!
As I usually do with my first cup of coffee of the day, I log onto to Twitter (I can enjoy two addictive behaviors at once) to see what's new and who doing what. Twitter is faster than any news service and there's only 140 characters in which to voice your views so no editorializing! Awesome!!
Getting back on topic, one of the first articles posted "Don't Be A Sleestack" http://tinyurl.com/bxcnxk
is about the choice of name you use on Twitter and how it can be viewed in a negative way keeping your identity masked for not-so-wonderful purposes.
Even though this may pose an occasional Twitter snub, what is truly most important is the fact that your brand and name recognition may be key to your presence in any setting. The only time I can think of when we deliberately attend a social function and want anonymity is at a masquerade party.
So, I've changed my Twitter name to @JaxLicurse and everything else remains the same.
My brand is still debt cures but I want to give you a real person behind the solution because it is about people and not about brands!
TTFN!
Jax
Thursday, March 5, 2009
Home Biz Makes You Happy Or...?
Just a random thought I had today...I see lots of offers for people to join a MLM and some are the same ones over and over. It doesn't matter whether or not you are a serial joiner in different businesses as long as you are successful (very important) at one of them!
Most times, success is never achieved because you run out of money or just get too frustrated. I can't help with the frustration only direct you to visit the personal development section of the nearest bookstore or library.
Actually, I recommend the library over the buying the book until you read it once; it'll save some money you might need for more important things. If you truly like it and find great value, then, by all means, purchase it! The library usually has audio books as well you can take advantage of.
For help with the running-out-of-money challenge which can affect any business owner in a new venture, my solution is relatively simple. It may be difficult at first to make the decision, but it will pay off big time later!
You see a great opportunity to make a great income, potentially six figures, and you get involved. Your first step at this point, and it's the most important part of your future success, is sitting down with your partner, life or business, and take time to map out your financial goals. Also, check with your mentor after you sign on and get a clear idea of what you will need to spend to make your business effective and efficient. Then, PUT AWAY a little bit of everything you earn from your business. A good rule is 25% to 50% into a separate account.
After you know your goal and the time frame, you should have a clear idea of what your finances are now. You need to sit down with a financial adviser who can assess your income, debt, assets, savings, insurance and your budget to help you put together a sound game plan to achieve your family's goals. This game plan is going to help you to stay on track with your business targets and keep you aware of what you are spending and on what.
Income you start to earn for your business should be placed into an account that you access only for business spending! Take the remaining 50% to 75% and put into a good interest-bearing account so your money starts working for you. You went into business to earn money not to spend your current income on your business. Most folks try to keep making it up from their salary only to find they are worse off, hence, a state of frustration.
Let yourself be guided by someone whose business it is to handle your finances while you build and develop your business and coach others to develop and grow.
To recap:
1)Meet with your coach/mentor to get a clear idea of what you will need to spend money on to get your business growing and profitable.
2) Have a meeting with the people who are most affected by your income - life partners or business partners.
3) Get a good financial coach to help you design a financial program that will help you stay focused on your business targets and income expectations of your new business and update this with them on a periodic basis. You need to make sure all areas of your life are properly taken care of in the event something happens to change your income either up or down.
4) Don't try to handle it all on your own. If you outsource those things which you don't do well, you give yourself more time to concentrate in those in which you excel.
As a financial coach and someone whose mother was a serial MLM'er, I am aware of the pitfalls of not having a sound financial game plan to make sure your business is a business and not a hobby. I love the entrepreneurial personality and believe everyone should have at least a part-time business. Besides the obvious, my ability to grow my business, it makes the Home Business opportunity you choose much more attractive to the people you want on your team since you will be more successful and everybody wants to be in a successful business!
Next time - What do you need to know to choose the right financial adviser?
See you at the TOP!
TTFN
Jax
Most times, success is never achieved because you run out of money or just get too frustrated. I can't help with the frustration only direct you to visit the personal development section of the nearest bookstore or library.
Actually, I recommend the library over the buying the book until you read it once; it'll save some money you might need for more important things. If you truly like it and find great value, then, by all means, purchase it! The library usually has audio books as well you can take advantage of.
For help with the running-out-of-money challenge which can affect any business owner in a new venture, my solution is relatively simple. It may be difficult at first to make the decision, but it will pay off big time later!
You see a great opportunity to make a great income, potentially six figures, and you get involved. Your first step at this point, and it's the most important part of your future success, is sitting down with your partner, life or business, and take time to map out your financial goals. Also, check with your mentor after you sign on and get a clear idea of what you will need to spend to make your business effective and efficient. Then, PUT AWAY a little bit of everything you earn from your business. A good rule is 25% to 50% into a separate account.
After you know your goal and the time frame, you should have a clear idea of what your finances are now. You need to sit down with a financial adviser who can assess your income, debt, assets, savings, insurance and your budget to help you put together a sound game plan to achieve your family's goals. This game plan is going to help you to stay on track with your business targets and keep you aware of what you are spending and on what.
Income you start to earn for your business should be placed into an account that you access only for business spending! Take the remaining 50% to 75% and put into a good interest-bearing account so your money starts working for you. You went into business to earn money not to spend your current income on your business. Most folks try to keep making it up from their salary only to find they are worse off, hence, a state of frustration.
Let yourself be guided by someone whose business it is to handle your finances while you build and develop your business and coach others to develop and grow.
To recap:
1)Meet with your coach/mentor to get a clear idea of what you will need to spend money on to get your business growing and profitable.
2) Have a meeting with the people who are most affected by your income - life partners or business partners.
3) Get a good financial coach to help you design a financial program that will help you stay focused on your business targets and income expectations of your new business and update this with them on a periodic basis. You need to make sure all areas of your life are properly taken care of in the event something happens to change your income either up or down.
4) Don't try to handle it all on your own. If you outsource those things which you don't do well, you give yourself more time to concentrate in those in which you excel.
As a financial coach and someone whose mother was a serial MLM'er, I am aware of the pitfalls of not having a sound financial game plan to make sure your business is a business and not a hobby. I love the entrepreneurial personality and believe everyone should have at least a part-time business. Besides the obvious, my ability to grow my business, it makes the Home Business opportunity you choose much more attractive to the people you want on your team since you will be more successful and everybody wants to be in a successful business!
Next time - What do you need to know to choose the right financial adviser?
See you at the TOP!
TTFN
Jax
Wednesday, March 4, 2009
Money - Where Hast Thou Gone?
Here is a GREAT!!! site for anyone who thinks they are disciplined enough to stay on top of the flow of their income: http://www.mint.com/.
While on a webcall with @ColderICE (fellow Tweeter - I just love the info you can find on Twitter!), one of the callers gave a little insight into the challenge we all face trying to figure out how to track all your accounts and cash flows. This site will follow personal, business and retirement accounts. Isn't that awesome!
Check it out and see if it's something to help you, ok?
TTFN!
Jax
While on a webcall with @ColderICE (fellow Tweeter - I just love the info you can find on Twitter!), one of the callers gave a little insight into the challenge we all face trying to figure out how to track all your accounts and cash flows. This site will follow personal, business and retirement accounts. Isn't that awesome!
Check it out and see if it's something to help you, ok?
TTFN!
Jax
Life And Change
Just read this great blog entry and wanted to share it with you today. Mostly, the blogger discusses some ways to work on your personal development to change your life.
Changing how you view your life can offer you new perspectives on the way you live and work. A new way of looking what you do with your day (see blog for more info) can change how you earn your income so you can have a better quality of life!
I won't go on since Henrik Edberg, The Positivity Blog says it quite well without any help from me!
And, a fellow Tweeter, ColdPanda, posted this quote on Twitter: "Coincidence is when God chooses to remain anonymous". I don't know who is the author, but, isn't that a great thing to start your day!
So, here's the link and read and enjoy! "4 Ways to Make Life Work For You" , Henrik Edberg
TTFN!
Jax
Changing how you view your life can offer you new perspectives on the way you live and work. A new way of looking what you do with your day (see blog for more info) can change how you earn your income so you can have a better quality of life!
I won't go on since Henrik Edberg, The Positivity Blog says it quite well without any help from me!
And, a fellow Tweeter, ColdPanda, posted this quote on Twitter: "Coincidence is when God chooses to remain anonymous". I don't know who is the author, but, isn't that a great thing to start your day!
So, here's the link and read and enjoy! "4 Ways to Make Life Work For You" , Henrik Edberg
TTFN!
Jax
Tuesday, March 3, 2009
Bring Sexy Back To Your Home Business
Hello again! I found some really exciting stuff for my friends who have a Home or Small Business that I want to share with them. Okay, I admit it...I find it exciting, financial geek that I am!
Sometimes, being in a home-based or small business loses some momentum because you get distracted by things which aren't growing your business. One of those things are the state of your personal finances. Let's bring back that original glow of excitement so you can go on to reach your potential!
Since I am also in a small business, I want to make sure I manage my cash flow properly, and, along with this train of thought, what tax benefits I can take advantage of while I do business, among other things.
So what does this mean to you? Hmmm, you have a lot to do already and don't really have time to read all this stuff, right? Wrong!
You need to know your financial situation and how to safeguard your finances in any economy. You did enter into your home business to make money and not lose it, didn't you?
Here are a couple of great tips from PowerHomeBiz.com you can profit from in their blog on debt, tax benefits, cash management which you should be aware of: http://tinyurl.com/bz4us7. Get yourself on a financial gameplan so you can stay on track just like you plan that next campaign for the new product launch. Some wise man said, "If you fail to plan, you plan to fail".
While you need to understand some basics to be savvy on your personal finances, you should have the advice of a professional financial adviser - so you can concentrate on your business of creating a stable income.
Arm yourself with an understanding so you can make the right choice of who will do the best job for you!
In a later post, we have some tips on how you choose an adviser.
For now, we'll leave you with this thought: Use your time in the most efficient and effective way possible; leverage your time and delegate those things in which you are not efficient. Why spend your time doing things that don't make the income you'd lose doing it yourself?
Ta Ta for now!
Jax
Sometimes, being in a home-based or small business loses some momentum because you get distracted by things which aren't growing your business. One of those things are the state of your personal finances. Let's bring back that original glow of excitement so you can go on to reach your potential!
Since I am also in a small business, I want to make sure I manage my cash flow properly, and, along with this train of thought, what tax benefits I can take advantage of while I do business, among other things.
So what does this mean to you? Hmmm, you have a lot to do already and don't really have time to read all this stuff, right? Wrong!
You need to know your financial situation and how to safeguard your finances in any economy. You did enter into your home business to make money and not lose it, didn't you?
Here are a couple of great tips from PowerHomeBiz.com you can profit from in their blog on debt, tax benefits, cash management which you should be aware of: http://tinyurl.com/bz4us7. Get yourself on a financial gameplan so you can stay on track just like you plan that next campaign for the new product launch. Some wise man said, "If you fail to plan, you plan to fail".
While you need to understand some basics to be savvy on your personal finances, you should have the advice of a professional financial adviser - so you can concentrate on your business of creating a stable income.
Arm yourself with an understanding so you can make the right choice of who will do the best job for you!
In a later post, we have some tips on how you choose an adviser.
For now, we'll leave you with this thought: Use your time in the most efficient and effective way possible; leverage your time and delegate those things in which you are not efficient. Why spend your time doing things that don't make the income you'd lose doing it yourself?
Ta Ta for now!
Jax
Monday, March 2, 2009
Does Your Credit Card Company Want A Divorce?
Picked up this article over the weekend and thought it was pretty interesting: American Express pays customers to go away (http://tinyurl.com/da8dd9). Basically, American Express is interested in getting rid of the accounts where the balances are big and the cardholder pays only minimum payments. These accounts obviously are too expensive to keep open and so they are offering some cash to close the account. However, if you were a cardholder with a balance, you still have to pay off the balance; you just no longer have the ability of using the card any longer.
Other banks are considering some alternate ways of getting a divorce from these accounts and you can check out what some are doing in this article from Bankrate.com:
http://tinyurl.com/2hwtqd
.
I would also caution you to check with your tax adviser if you are given some opportunity to close an account on whether any offer to settle your account for less or take any type of incentive will result in producing an income event.
Anyway, just thought it was good info for people to read and know about in this crazy world of banking!
TTFN!
Jax
Other banks are considering some alternate ways of getting a divorce from these accounts and you can check out what some are doing in this article from Bankrate.com:
http://tinyurl.com/2hwtqd
.
I would also caution you to check with your tax adviser if you are given some opportunity to close an account on whether any offer to settle your account for less or take any type of incentive will result in producing an income event.
Anyway, just thought it was good info for people to read and know about in this crazy world of banking!
TTFN!
Jax
Wednesday, February 25, 2009
All A-Twitter! What are you doing?
Hi Tweeple! For anyone not familiar, it's the new language for all those of us who have entered the cyberzone of using Twitter. If you "google" for Twitter, you will find lots of sources of information on Twitter, how to use it and all the add-ons for it!
There are people who devote whole days to making videos and selling e-courses on how to utilize Twitter to its potential. I'm a newbie user even though I've had an account for about 18 months. I never used it since I didn't understand what it was or why I should use it. Then, Facebook happened and I started making friends with a lot people and many of them in the Internet Marketing business. And, I found I couldn't market on Facebook! Hmmm, what do I do next? Well, I have all these new relationships on FB, let me see where they go to get new opportunities.
Now, Facebook is a true social media site with the emphasis on "social". What I mean is this: marketing your products or your opportunity on Facebook is just rude! Perry Belcher, a social media guru, says we need to "treat social media like going to a party at someone's home". Introduce yourself, ask the other person questions about them, etc.; you know the drill. So, that is the Facebook experience, and, Twitter is so different from that. So, I learned from my new friends, Twitter is the place where I want to be to reach the largest group of people I can. You only have the ability to communicate in what I call Twitbites...140 characters or less. You actually want to communicate in less than 120 for what is called "re-tweeting". Re-Tweeting is the action of sending out an original message with you id on it so it gains wider visibility. If you use 120 characters or less, it allows room for comments and/or the re-Tweeters id.
Wider visibility? Do you know there are people with over tens of thousands of followers? You can end up in any group of followers by just clicking a simple button! You can follow only your friends, you follow only people in your industry, or, (and this is where tweeting becomes sweet!) in your market! In the Twitterverse, you build up relationships a lot faster and, if you provide some worthy and valuable content, you can introduce your product/service to your followers. There are many things you can do to pick up followers and one I've found most effective and ethical so far, I've been using to my advantage. Open your Twitter account (President Obama used this in his campaign!) and try this link: Brand New Twitter Technique That Not Even The So-Called Guru's Are Aware Of... Are You Using Them? http://tinyurl.com/akprgq I wish you all happy tweeting in the Twittersphere! Other useful links: http://twitter.com http://tweetdeck.com
Ta-Ta for now, Tweeple~
Jax
Thursday, February 12, 2009
Valentine's Day - Romance with Zing without the Cha-ching!
I promised you all a blog that would give you ideas to live in the real world and live the life you want while you re-design your money attitudes.
Well, here we go! Let's look at some awesome ways to have your relationship pick up a little heat for these cold February nights with your honey-bunny!
To tell the truth, I'm not a big celebrator (is this a word?) of V-day in the traditional sense. "Why?" you ask skeptically...For one thing, it just never seemed right that dead flowers - yes, sorry, when you separate them from the bush, they're gone - should cost twice as much on the 14th of February as they do on any other day of the year. Isn't great when your gift keeps on giving?
And, this is the deal-breaker for me, what part of ordering roses online, dictating the card, and, someone else delivering them is the part exemplifying me as "the" soulmate? Don't we all deserve that special touch to let us know we're working on the same goal?
Well, dudes and dudettes, I found this great article on Yahoo! Food in the "Foxy Festivities" blog (Elycia Rubin & Rita Mauceri, 2.06.2009) bringing real romance back to life! Here's some of the tips they suggest:
"Get Crafty Make a homemade card or collage, design a T-shirt at the copy shop with an inside joke, or log onto Snapfish or iPhoto and design a do-it-yourself photo album -- it's fun to create and affordable, too.
Mix It Up Make a mixed CD of favorite songs. This is a gift that carries a lot of weight. It's thoughtful and requires some decent time to make it -- brownie points for you!
Woo Chez Vous Invite your loved one to your place for a perfect evening in. Make pasta together, grill steaks and potatoes, or just order in a pizza, open a bottle of tasty wine, and light lots of candles. Afterwards cuddle up on the sofa and watch a movie over a pint of decadent ice cream with a shared spoon. What could be better? Remember, V-Day doesn't have to be fancy.
Go Sweet 'n' Sexy Sure, buy her lingerie. Most women will love it. But stick with sweet little somethings and avoid the satin cheesy stuff. You can't miss with soft cotton chemises, a few pairs of Hanky Panky panties, or a sexy silk robe. Include a little canister of the Laundry's Finest, so she can clean her new unmentionables with a gentle organic wash. That will show that this gift is as much for her as it is for you.
Book 'Em Books are always a great give -- personal, thoughtful, and classy. Inscribe a sweet note in it, and you'll win someone's heart for sure. Our current faves: for guys, Malcolm Gladwell's latest, The Outliers; and for gals, The Blind Assassin by Margaret Atwood. "
Of course, you can be as inventive as you like; there are no limits! Just remember, the day is about a celebration of the people you love...whatever you do to bring a greater value and deeper connection in your relationship to your loved ones is what counts!
I wish you all Peace Love and Abundance! Happy Valentine's Day!
See you next week!
Jax
Well, here we go! Let's look at some awesome ways to have your relationship pick up a little heat for these cold February nights with your honey-bunny!
To tell the truth, I'm not a big celebrator (is this a word?) of V-day in the traditional sense. "Why?" you ask skeptically...For one thing, it just never seemed right that dead flowers - yes, sorry, when you separate them from the bush, they're gone - should cost twice as much on the 14th of February as they do on any other day of the year. Isn't great when your gift keeps on giving?
And, this is the deal-breaker for me, what part of ordering roses online, dictating the card, and, someone else delivering them is the part exemplifying me as "the" soulmate? Don't we all deserve that special touch to let us know we're working on the same goal?
Well, dudes and dudettes, I found this great article on Yahoo! Food in the "Foxy Festivities" blog (Elycia Rubin & Rita Mauceri, 2.06.2009) bringing real romance back to life! Here's some of the tips they suggest:
"Get Crafty Make a homemade card or collage, design a T-shirt at the copy shop with an inside joke, or log onto Snapfish or iPhoto and design a do-it-yourself photo album -- it's fun to create and affordable, too.
Mix It Up Make a mixed CD of favorite songs. This is a gift that carries a lot of weight. It's thoughtful and requires some decent time to make it -- brownie points for you!
Woo Chez Vous Invite your loved one to your place for a perfect evening in. Make pasta together, grill steaks and potatoes, or just order in a pizza, open a bottle of tasty wine, and light lots of candles. Afterwards cuddle up on the sofa and watch a movie over a pint of decadent ice cream with a shared spoon. What could be better? Remember, V-Day doesn't have to be fancy.
Go Sweet 'n' Sexy Sure, buy her lingerie. Most women will love it. But stick with sweet little somethings and avoid the satin cheesy stuff. You can't miss with soft cotton chemises, a few pairs of Hanky Panky panties, or a sexy silk robe. Include a little canister of the Laundry's Finest, so she can clean her new unmentionables with a gentle organic wash. That will show that this gift is as much for her as it is for you.
Book 'Em Books are always a great give -- personal, thoughtful, and classy. Inscribe a sweet note in it, and you'll win someone's heart for sure. Our current faves: for guys, Malcolm Gladwell's latest, The Outliers; and for gals, The Blind Assassin by Margaret Atwood. "
Of course, you can be as inventive as you like; there are no limits! Just remember, the day is about a celebration of the people you love...whatever you do to bring a greater value and deeper connection in your relationship to your loved ones is what counts!
I wish you all Peace Love and Abundance! Happy Valentine's Day!
See you next week!
Jax
Tuesday, February 10, 2009
Welcome to Money Matters 101
Thanks so much for visiting Money Matters 101 where the discussion will always be about things that matter and will always strive to keep it simple and effective for your money.
I'd like to share with you my personal take on money...
Those who don't have money will always say "Money can't buy you happiness"...you can always say "Great, then give me yours!" or here's an awesome one from Bill Whittle a multi-million dollar earner with Primerica, "You just have to shop in the right places!"
Understanding that your health is everything and money is a means to an end, I know that stress over money and fear of lack of money are two contributors to some of the illnesses that affect people every day.
What do I do to overcome my daily interaction with the fear? Mmmm, well, first I'd like share part of my story and why I need to let other people know how important it is to me to be personally involved in a crusade to empower people to change their programming around their feelings and behaviors about money.
In 2003, I didn't start out to create a business or even a second income stream. I was attending college, working full-time and raising a teen-aged daughter as a single mother. My ex wasn't helping financially and I was absolutely drowning in debt.
What I wanted more than anything was to get my degree, I was only 15 credits away and I knew I could have it before the year was out. In fact, I had set my goal and planned very carefully to have my last class end in December 2003 so I would have my Bachelor's degree in time for New Year's. That would be my gift to myself.
Anyway, during all this, financially I was a mess. Way too much month left over at the end of the money and no time for a part time job unless I sacrificed either my daughter or my education. Ever happen to you?
Well, long story short, I started out in Primerica learning about money. I was a Business/Finance major who hadn't learned very much about personal finances from college study. Then, I was intrigued by the opportunity to create a business where I could be paid forever or even pass it or the income on to my daughter! All just for helping other people learn and do what I'd learned about money in Primerica.
My financial situation was forever changed by that decision to check out a co-worker's business opportunity which also allowed me the freedom to pursue a dream, preserve my time with my daughter, do something special by helping people I love and care about have a better future, self-improve and have a better quality of life.
Check out this quote: "...you can give him more in use value than the cash value of the thing you take from him." (Wallace D. Wattles, The Science of Getting Rich) This is the one quote that just about sums up my philosophy and why I want to share my message!
We deserve financial security and debt-freedom, to be able to dream again, pursue our goals and a better quality of life, just as I have for my family. Is it your turn to make your sure your dreams come true?
Peace Love and Abundance to all of us! And thanks for stopping by!
I'd like to share with you my personal take on money...
Those who don't have money will always say "Money can't buy you happiness"...you can always say "Great, then give me yours!" or here's an awesome one from Bill Whittle a multi-million dollar earner with Primerica, "You just have to shop in the right places!"
Understanding that your health is everything and money is a means to an end, I know that stress over money and fear of lack of money are two contributors to some of the illnesses that affect people every day.
What do I do to overcome my daily interaction with the fear? Mmmm, well, first I'd like share part of my story and why I need to let other people know how important it is to me to be personally involved in a crusade to empower people to change their programming around their feelings and behaviors about money.
In 2003, I didn't start out to create a business or even a second income stream. I was attending college, working full-time and raising a teen-aged daughter as a single mother. My ex wasn't helping financially and I was absolutely drowning in debt.
What I wanted more than anything was to get my degree, I was only 15 credits away and I knew I could have it before the year was out. In fact, I had set my goal and planned very carefully to have my last class end in December 2003 so I would have my Bachelor's degree in time for New Year's. That would be my gift to myself.
Anyway, during all this, financially I was a mess. Way too much month left over at the end of the money and no time for a part time job unless I sacrificed either my daughter or my education. Ever happen to you?
Well, long story short, I started out in Primerica learning about money. I was a Business/Finance major who hadn't learned very much about personal finances from college study. Then, I was intrigued by the opportunity to create a business where I could be paid forever or even pass it or the income on to my daughter! All just for helping other people learn and do what I'd learned about money in Primerica.
My financial situation was forever changed by that decision to check out a co-worker's business opportunity which also allowed me the freedom to pursue a dream, preserve my time with my daughter, do something special by helping people I love and care about have a better future, self-improve and have a better quality of life.
Check out this quote: "...you can give him more in use value than the cash value of the thing you take from him." (Wallace D. Wattles, The Science of Getting Rich) This is the one quote that just about sums up my philosophy and why I want to share my message!
We deserve financial security and debt-freedom, to be able to dream again, pursue our goals and a better quality of life, just as I have for my family. Is it your turn to make your sure your dreams come true?
Peace Love and Abundance to all of us! And thanks for stopping by!
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