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
Monday, May 25, 2009
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
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