Monthly Archives: July 2013

A Guide to Financial Freedom Forever

Do you long to quit your boring nine to five job? Do you wish you were not living from paycheck to paycheck? Is your dream to enjoy your life and not worry about money?

Well, you are not alone. In fact, you are one of the countless individuals yearning to live in financial freedom forever.

You will find listed below a few notes on the course of action to lead the way to your goal.

Goal Prioritization

Research shows that only one out of twenty households has a couple who openly discuss finances. This means that for others, the parents do not talk about each other’s financial goals.

This is a very big mistake. Couples should work together on a common financial goal. If the children are old enough to understand, they may be informed as well.

Not only will this ensure that you will reach your goal faster, it will also improve family ties. The family as a unit will be able to strengthen each other’s resolve.

As a start, start opening up to your spouse. Talk about your financial aspirations and the kind of lifestyle that each one has. Take note of all this and create your goals together.

Make a list and identify what is the immediate concern and what can be put off later. Be realistic and open minded.

Find out What You Are Worth

Okay, so now you have a plan. You have a goal in mind and are starting to work on it. Before doing anything else though, I suggest you find out how much you earn.

List down all your money sources. If both you and your spouse have a job, honestly write down how much each earns. If you have other sources of income, write it all down.

Find out How Much You Owe

Like most people you must have gathered up debt here and there. If you have credit card bills, loans, or mortgages, take note of all of it.

If you are up to your neck in debt and are afraid to see it all in paper, don’t be. You are taking a hold of your finances and are on your way to freedom.

Do not be overwhelmed with these. You will be paying them off soon. Pick one with the highest interest and religiously pay more than the minimum.

If you have extra cash, come to terms with your creditor. Negotiate for better deals if you plan to pay a lump sum.

Reduce Your Expenses

Before you can reduce your expenses, you have to pinpoint which ones are unnecessary. Maybe you can forego travelling to another country.

If you frequently eat out at expensive restaurants, try minimizing or eliminating this habit. Maybe you can cancel that magazine subscription of yours.

Identify these things and take them out. Learn to spend less than you earn. This will give you a bit of breathing room and be on your way to financial freedom.

Build an Emergency Fund

An emergency fund is something you set aside to address unexpected needs. Around 3-6 months worth of your expenses should be sufficient.

If you have an emergency fund you will not be tempted to get more debt. Just remember not to use it for expected or routine expenses. It is not to be used to purchase your wants either. We will tackle that in the next step.

Start Saving

Either for retirement, your child’s education, travel, or even that flat screen TV. Start saving up for things that you want.

If possible, set up different savings account for each. If opening a bank account gives too little interest, save it in the money market or in mutual funds.

Build Wealth

If you are living beneath your means and are no longer in debt, chances are you will have surplus cash at the end of the year.

Instead of spending it in trivial things, consider investing it in business ventures which can give you passive income. Lately the trend is to invest in stocks and bonds.

Shop around and inquire before committing to anything. Know where you stand, what you gain, and what the hidden costs are before investing.

Share Your Wealth

Lastly, when you have attained financial independence, be generous. Whether you are religious or not, bless others with your blessings.

Share a part of what you have to a worthy cause. As the saying goes, bless others so you may be blessed as well.


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Image Consulting Business Institute

Image consulting will enable the people to establish a proper, authentic and affordable image that can let you live a happy and professional life.

The image consulting is necessary to create a first impression and a power long lasting impression. The research has proven that the people take seconds’ to make a first impression and that is why thus institute teaches you to have an impression that will change your life. This impression may count in getting you a job, promotion, suitable life partner, making a certain sale, concluding a business deal and socially among friends and family.

The image consulting business institute is a division of first impression of first impression consulting which is set up by Mr. Rakesh Agarwal. He is surely a strong visionary and it is being serving for the past 12 years.

The curriculum partner is Judith Rasband who is one of the most senior consultants that are based in the United States of America. A veteran of image of the industry is based for the past 40 years.

Firstly, the candidates can work from home and this does not require office home setup. Secondly, the candidates sense of achievement meet a wide variety of fascinating people. Thirdly, there is no such profession involved and there is the image consulting institute has several benefits which can help you inaugurate a good life. They help in establishing a growth industry. This shows that the image consulting business is the fastest growing business of the economy.

Earnings from the image consulting business range from $15,000 to $60,000 and last till three consecutive years. The image consulting will enable a friendly environment and give an opportunity to socialize. There are thousands of clients everyday which bring up new challenges that will help you to compete with the world.

Being an image consultant, you will be able to use your knowledge, skills, creativity and enhance people’s lives. When you start your own consulting business you will become independent and flexibility will be enhanced into your personality. To be a great image consultant it is necessary to set your own goals. You have to work full time and part time on projects and people you want to work with. So start your career with this opportunity and be independent.

Merchant Account Services for Business Expansion

The overwhelming truth about the incontestable high technology era affects the lives and the ways of how people do daily activities. Technologies have been teaching and continually teaching people to complete tasks quickly but in an efficient way as possible. As a result, multiple duties are done in a limited time.

It is therefore an excellent decision for every business to adapt to the technological changes. These changes include the mode of paying services and products from the customers. Nowadays, most people use some form of payment card to make the majority of their purchases. This is why having the ability to accept a card is vital to a business success. It is necessary for a business to provide customers with a wide range of payment mode options according to which option they are most comfortable with. It includes internet transactions, cash options, and credit card.

The existence of merchant account services springs from the fact that traditional mode of payment such as cash options is taking so much time. One needs to have the check in cash first before they could purchase an item. The anxiety of bringing an amount of money that may not be enough for the item to purchase is an added burden to the customer. Worse, bringing a big amount of cash may endanger the customer’s security. The advantage of having a merchant account gives your customers the comfort to purchase an item without having to worry if they have brought enough money. It also gives them an impression that the business truly cares about the customers for not giving them the difficulty of availing to one of your services or buying your products.

The comfort of having a merchant account does not limit your business to a physical way of purchasing or availing of your products. Once you have a merchant account, business transactions can be done anywhere and anytime. The best example is bringing your business online where transactions can easily be done through a few clicks. Transactions are also possible over the phone. Hesitation in the part of the customer to give details about their account is expected but a reliable merchant account service provider can help a merchant to overcome these kinds of internet security related issues. That is why extra care must be taken in applying for a merchant account. There are cheap merchant account providers that ensure a reliable service. Usually, the payment through a merchant account is managed by a regular bank and goes through a payment gateway to automatically screen orders for fraud. You must be wise to choose a merchant account provider that has tools to detect fraud and ensures credit card protection. Before you choose a provider don’t forget to review their terms and condition, as well as other flexible options that suit your requirement.

Finally, the best time to apply for a merchant account is when you want to keep your customers coming and to take your business to the virtual world – the world of this era.