Tricks that Can Make You Rich In The New Year

Tricks that Can Make You Rich In The New Year

Saving has always been a way of life for people who believed on its power. These people know that they have to save more money in order to create a more established future.

However, as time goes by, more and more people find it hard to save money. They contend that saving is no longer a way of life but a resolution that they have to strictly adhere to just to salt away some amount of money.

Some people even insist that it is no longer possible for a person to save more money because most of them are already living paycheck to paycheck. With all the high-prices of commodities these days, saving more money is no longer workable.

But the point is that people can indeed save more.

How? Here is a list of some modern ways that will let you save more money:

1. Save some percentage from your salary

Most money-savers automatically take at least 30% from their salary and save them into their savings account. The basic concept here is that most of us spend whatever amount we have on our paycheck, and maybe even more. If you are able to limit that amount, your expenses will unexplainably get smaller.

2. Pay everything in cash

Credit cards had always been a way of life for most consumers. The problem is that they become so comfortable with it that they tend to spend everything on credit. In fact, statistics show that the average family has an average outstanding balance on their credit cards amounting to $7,000. And they even pay almost $1,000 in each year just on the interest charges alone.

Hence, because of this comfortable shopping, they forget to keep track of their expenses and accumulate more payables than what they can afford to pay.

3. Set goals

Create goals that you really want and not be fickle-minded about it. If there’s a certain amount involved, be specific with the amount, like saying “I will save $5,000 in a year and not around $5,000.”

Try to set your goals based on your priorities. Have a period for every goal.

4. Check your company’s retirement plan

With your employer plan such as the 401(k) or the 403(b), you can definitely save more money for the future. Here, your company will deduct a percentage of your salary from each paycheck and invest the amount in your choice of instruments mainly mutual funds. Sure the market may be down at the present time, but over the long run the trend is upwards and you will be fine if you don't panic.

The bottom line is that saving is not just a way of life or a resolution. It’s the ultimate gratification that you get as a fruit of your labor. Keeping a budget is important and the trick is to keep at it and live the life your way.

Happy New Year!

Mahalo.


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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
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Life After Credit Card Debt

Life After Credit Card Debt

Yes it is that time of year again where people tend to overspend either to impress family and friends, or to overcome some deep seated guilt. These people tend to get into most trouble with their credit cards going into massive debt.

Credit card debt is a very big problem that is being faced by a lot of people who have been irresponsible and undisciplined in the use of their credit card. Though some might have landed up with credit card debt due to some unfortunate event/emergency in their life, most people carry a credit card debt due to their own wrong doings (i.e. wrong usage of their credit card debt). There are a lot of ways to pay off credit card debt and a lot of people do achieve this feat (i.e. are able to pay off credit card debt). Surely, to be able to pay off credit card debt is really a great achievement in itself for not everyone is able to pay off credit card debt. It takes a lot of discipline, restraint, planning and perseverance to finally pay off credit card debt. However, there is more to paying off credit card debt then just being able to pay off credit card debt.

Here we are talking about the life after you pay off credit card debt successfully. As mentioned before, of all the people that try to pay off credit card debt not everyone is able to pay off credit card debt i.e. there are some failures too. However, some people fail after they have succeeded in paying off credit card debt. These are those people who let themselves loose and go on a spending spree as soon as they pay off credit card debt. Soon, these people again land up with a credit card debt and are again trying to pay off credit card debt. So, it’s not enough to just pay off credit card debt, it’s equally important to maintain a debt-free status even after you pay off credit card debt; only then can you enjoy a stress-free life in the world of credit cards. So learn your lessons well and do not let yourself loose on the path to another credit card debt. Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt. Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:

1) Do not overspend. Yielding to the sale offers for something that you don’t really need, is a big mistake that leads to overspending
2) Always remain within 70% of your credit limit.
3) Make credit card bill payments in time and in full.
4) Don’t hold more than 2 credit card accounts (two are enough for anyone)

These are just very basic things; you can add more based on your own experience and knowledge. Remember the most important thing is to make a budget and stick to it faithfully.

Come back next week for more tips, techniques and tricks to help you live that champagne life on a beer budget. We're all in this together and I'm pulling for you.


Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Are you sick and tired of making just enough money to survive?

"Who Else Wants To Get Their Hands On A Step-By-Step System That Can Make You At Least $11,917 Per Month Starting From Scratch?..

The World Is Changing Dramatically And You Must Take Action Right Now! Sign Up For Maverick Money Makers Risk Free Today!

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Impulse Spending – Nemesis of the Wise Shopper

Impulse Spending – Nemesis of the Wise Shopper

The Holiday season is upon us and time again for all those guilt shopping trips. It happens all the time, here we are trying to figure out what to buy for our family and friends, and we feel guilty if we don't overspend.

The biggest problem is when we are just browsing for those “Stocking Stuffers” , and we start picking up this, and that , and those and..... until we have gone way over budget and find ourselves back into the debt cycle we pledged not to repeat from years past.

The secret is to make a list and stick to it. Just like grocery shopping. If you make a list before hand and figure out how much you want to spend per person, then it is easy to stick with the budget you set for yourself. Sticking to the list and budget will allow you to not do any impulse spending, and you won't have the overspending problem you had last year.

If you are not sure if you are an impulse shopper or not here are a few clues:

Answer these questions truthfully:

1.)Does your spouse or partner complain that you spend too much money?

2.)Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.)Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.)Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.)Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

The same holds true for all those little knick-knacks and other “little items you pick up at the register or display as you are checking out of the store. Resist, stay true to your list and enjoy your holiday season with out worrying about the bills in January.

Come back next week for more tips and tricks to help you live the champagne life on a beer budget.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Are you sick and tired of making just enough money to survive?

"Who Else Wants To Get Their Hands On A Step-By-Step System That Can Make You At Least $11,917 Per Month Starting From Scratch?..

The World Is Changing Dramatically And You Must Take Action Right Now! Sign Up For Maverick Money Makers Risk Free Today!

How Can I Make This Work For Me?

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Do You Need Home Fitness Equipment?

Do You Need Home Fitness Equipment?

Ah yes the end of year is here and we all start measuring our life for the past year and look for ways to improve ourselves. It seems no matter the level of health, everyone seems to be obsessed with the state of their fitness. So what do people do? Either they shell out lots of money for health club fees or they rush out and buy fitness equipment. A lot of people get these as gifts for the holidays as well, so what exactly should one look for when buying or asking for fitness equipment?

There are a hundred lots of home fitness equipment nowadays that are sold in the market. Do not make the mistake in buying something and then regretting why you bought it after a day or two. Home fitness equipments vary and you should always have one good reason to buy it. Don't believe on everything commercials tell you about the equipment. Some equipment may seem easy to use on television but n fact will not really work for you. Try to ask yourself first of these questions before you grab your wallet and buy that equipment.

Do you need it? The equipment should suit your interests and needs. The activities that you will do with that equipment should be challenging and something to enjoy on. Buying equipment is never a guarantee that you will use it especially if it is something new that makes it harder to use. Make sure that you already know the equipment and that it is something that you already tried in a fitness club. Start from buying small equipments that are aligned to your interests.

Can you afford it? Don't be fooled with the thought that you will be forced to use something because you spent too much money for it. Expensive equipments are never an assurance that you will use them or that they are effective for you. Always consider how much are you willing to pay for certain equipment. Also ask yourself iif it is worth it. Always check on the quality before you buy equipment. The price may be too low but consider that the quality can also be low. Or it may be expensive but then the quality is not that good. You can try choosing on cheaper alternatives but not sacrificing the quality of the equipment.

You may also want to check out for some used equipments. Most of the time, this is where you find a better deal. You can even find equipments that do not seem to have been used at a very low rate. Or you can find the equipment 3 months old but the price is almost half the original.

Do you have enough space for it? This is often what buyers forget to consider. Try to consider first where to place a treadmill before buying it. Before you buy something, make sure you know where you will place it. Your place may not accommodate the equipment. Plan ahead and make sure that the equipment can be placed in your home without causing any hassle.

Is it safe for you? If you have existing conditions, be sure to check with your doctor to make sure that the equipment will be safe for you. Some equipment may be painful to use and might cause harm to your body. So make sure to try it first be fore you buy it.

It also suggested that you first consider if a gym near you already has that equipment. You can save money by just registering to that gym and use that equipment compared the price you will spend if you will buy that product.

Buying fitness equipments should be bought with consideration. Do not buy by impulse. Always ask the opinion of a professional gym instructor before you buy something.

Please remember that the best fitness equipment will do nothing if you don't use it regularly yourself. So get to it and save on those expensive club fees.

Come back next week for more tips, tricks and techniques for living a champagne life on a beer budget.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Happiness in The Frugal Lifestyle

The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from.

But if you are guided with the right principles and reasons in deciding to live a frugal life, you would never go wrong. If you have decided to live frugally, no need to be worried of insults. Keep your head up high. And keep your focus through these tips.

1. Eating Out - Having gimmicks with friends on a Friday night is fine if you do it once in a while. But this can be expensive if you add them up at the end of the month.

2. Clothing - Naturally, if you are the kind of person who adores signature and designer clothes, do not expect that there will be something left of your take home pay. Instead of being trendy, wear clothes that can easily be matched with your other clothes.

3. Own Home - If you are planning to move out and find a place to settle, do not be overwhelmed by the excitement, instead be practical. As a start, buy a smaller house or try other ways like rent-to-own, do-it-yourself arrangements, and owner financing.

4. Buying Your Own Car - Shy away from sports cars or SUVs. Just stick to your purpose of buying a car which is to transport you anywhere you need to go. Check out also program cars like a new car warranty. Maybe this is not just the best time to replace your car with a new one.

5. Shopping for Groceries - As much as possible do not go with items that are branded. Choose non-brands and try looking for items on the highest or lowest shelves for best prices. Grab the opportunity and shop during sales or use coupons.

6. Family Out - There are inexpensive ways to bond with your family and be entertained like going to libraries, local parks, malling, picnics, visit friends and local church.

7. Buying School Supplies - Stock school supplies at home and do not buy anything fancy.

8. Be contented with what you have and try to live within what you earn.

9. Plan your Child’s College Education - Teach them the ways to be independent and self-supporting by encouraging them to apply for scholarships and “on campus jobs”.

10. Be Aware of your Financial Limitations

11. Anticipate your Failures by Planning - Have always a budget plan so you would avoid impulsive buying.


Being frugal in the long run gives one the resources to get through tough times, and in better times enjoy special moments and not worry about finances. Remember I'm on your side as we are all in this together. Come back again next week for another great tip on living the good life without breaking the back. Be sure to check out my ebook (link below) if you need help working out a budget.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Using Budgeting Tools

Using Budgeting Tools

In these tough economic times one needs to spend wisely. The best way to do so is to make a budget and stick to it. Budgeting your monthly expenses in order to get the greatest return on your income (and perhaps, even put aside some for saving!) doesn’t have to be extremely hard.

Various budgeting programs are available for use. Money management programs provide you with a usual package that allows you to enter your cash inflows and outflows, categorizes your expenditures, and at times, presents to you analysis of your spending behavior. Through these programs you can also input the various payments you have to make monthly, and subsequently track if you’ve paid your dues on time. Moreover, some programs also offer you a tax form draft that will help you make sure you’re not missing out on any dues or any deductibles, for that matter.

Another budgeting tool that you can utilize are coupons. Various stores and magazines contain coupons that you can use to get discounts on various products. Should there be a need to purchase a particular product for which you have a coupon for, you will end up saving a fraction of what you might have had to spend on a regular purchase.

Lists—whether on a piece of paper, on your cellular phone, or on your personal digital assistant (PDA) will help you keep focused on what you have to buy, and in effect, keep track of the purchases you make. A classic example is your regular grocery trip. Prior to making the trip, plan out the week’s entire menu and identify what food items and materials you need to purchase that are unavailable in your pantry. Then, make a list of other household items that you’ve run out of (or are eventually going to run out of before you can make the next trip to the grocery). Armed with these lists, you can go to the grocery and know exactly where to go and what you’re going to buy. Without these lists, you will walk idly along aisles, and will likely pick up various food items that you won’t likely need in the immediate future, or already have at home.

A filing system is perhaps one of the best budgeting tools you can have in your home. With simple, labeled file folders, you can put together your bills, your receipts, and whatever bank documents are issued to you when you save or pay. By putting together your bills, your credit card receipts, and the like, you are able to keep track of how much you owe and when your payments are due.

Effective budgeting tools are those that best address your needs as a consumer. Create your own budgeting tool or find a program, or a book, (I just happen to have one handy) or some other resource to do it for you—just make sure it suits your lifestyle.


Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Holiday Money Saving Ideas

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that it’s just once a year, so better give what you have. However there are smart ways to spend and still enjoy the fun of gift giving.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Here’s how:

1. Make a budget and stick to it

The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So what’s the point of making a budget when you do not know how to conform to what you have stated in there?

Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means

Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford.

The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!

As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare

It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you don’t have to be spendthrift. Nowadays, you really just have to be practical.
Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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You Should Still Be Investing

The stock market crashes and immediately all the pundits are screaming that it's the end of the world. You would think that with all the computers, education etc. we have today these air heads would realize that this happens on a cyclical basis and that the market will come back just as strong. So it it imperative that you continue with your long term investing and build your nest egg.

Investing has become increasingly important over the years, as the future of social security benefits becomes unknown.

People want to insure their futures, and they know that if they are depending on Social Security benefits, and in some cases retirement plans, that they may be in for a rude awakening when they no longer have the ability to earn a steady income. Investing is the answer to the unknowns of the future.

You may have been saving money in a low interest savings account over the years. Now, you want to see that money grow at a faster pace. Perhaps you’ve inherited money or realized some other type of windfall, and you need a way to make that money grow. Again, investing is the answer.

Investing is also a way of attaining the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.

If you want or need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for something in the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.

The overall purpose in investing is to create wealth and security, over a period of time. It is important to remember that you will not always be able to earn an income… you will eventually want to retire.

You also cannot count on the social security system to do what you expect it to do. As we have seen with Enron, WorldCom and others throughout the years, you cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!

Keep in mind that investing is long term and you should budget smartly to include investing what you can afford.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Making Sure You Are Really You

Protecting your personal information is easy to do if you just follow common sense rules and pay attention to what you are doing. After all no one is responsible for your safety except you. So what can you do to make sure you are a safe as possible?

We all know that criminals are out there, waiting to steal our credit card information. These very criminals want credit card information so they can run up the charges then leave you holding the bags - with nothing to show for it. Even though some are local, most credit card criminals are in far away lands. Worse than that, they like to hide or go by other names so it’s virtually impossible to track them down.

The most common way for criminals to get credit card information is through phishing, which involves a fake email that appears to be sent from your credit card company. Normally, this fake email states that there was an error with your account, or that it was accessed by unauthorized personnel and needs your attention.

Spotting fake emails isn’t hard to do - as long as you know what to look for. The most obvious hint for most, is the fact that they don’t even have a credit card from the company that has sent the email. For others, the link is what gives the fake email away. Anytime you get an email from a credit card that you believe to be fake, you should always hover your mouse over the link, then “right click” the link with the mouse and select “view source”. If the link is indeed fake, the website address that comes up will be something other than that of a credit card company.

The criminals don’t want you to look at the source for their website, as they simply want you to click on the link before you look at anything else. Once you have clicked on the link, you’ll arrive at a website that is usually an exact copy of a credit card website. Fake sites normally include everything that the actual site does, including the logos and banners. Even for the most amateur of credit card criminals, web pages like this are very easy to create.

Those of you who have fell victim to this scam, probably realized what you have done little too late. Once you have entered in your credit card information, you have done exactly what the criminals wanted and put yourself in violation of credit card fraud and identity theft. Once the criminal has your social security number and credit card information, he is more than likely to use that information to go on a shopping spree - stealing your money and running up your account.

If you receive an email such as this, you should always delete it. Even if you just click on the fake website to investigate, you may do more harm than good. Even though you may not enter any information at all, your computer may get infected with viruses or spyware simply because you clicked on the link. To avoid this altogether, you should never click on a link that you believe to be a fake credit card company website.

If you do your part and protect your credit card information, you won’t have anything at all to worry about. Your personal information is very important, as you never want it to fall in the wrong hands. As long as you protect it, you won’t have anything to worry about. There are always criminals out there, which is why you should always be on guard. Criminals want your personal information and your credit card numbers - it’s up to you to ensure that they don’t get it. A criminal will do anything to get what they want, which is why protecting yourself is so very important these days.

Remember the most important thing is you are responsible for your own safety, so use common sense and be careful.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Easy Money-Saving Techniques

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life. The key is to make minor changes. You don't have to go overboard to save money, just use some common sense and old fashioned imagination.

For instance, always buy the cheapest hand soap you can find. The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’

Always use the whole product. Turn bottles upside down and drain to get the last bit from them. Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more. You’ll be surprised at how much there really is left!

Also, never use more than you need. Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it. Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.

To save some cash, you can use some of the things in your house in some unique ways. Instead of spending lots of money on the fancy floor cleaners, try using ammonia. It does a great job, and you can use plain water in between times. If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture. Buff with a cloth until it shines.

For a freezer bag, use empty chip bags and close with masking taps. Also try a bowl with a lid, such as a margarine tub.

If your skin is feeling a little dry, there are several substitutes for expensive lotion. Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse w/ cold water after), or any other oil based food. Just be sure to put it on immediately after your hands have been in water.

To save some money on laundry, dissolve a bar of hand soap in water to replace laundry detergent. Add three gallons of hot water, mix thoroughly and add a cup of washing soda.

Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year!

Hey we're all in this together, and I'm pulling for you. For more tips, check back weekly.

Mahalo.
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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Get Through This Crisis With Common Sense Budgeting!

Get Through This Crisis With Common Sense Budgeting!

The first step in getting your finances under control is to Avoid Spending Pitfalls!

With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings. However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often.

Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners. It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet. The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards. You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.

Another problem with budgeting is impatience. There are financial goals set, but people do not have the patience to complete a savings program. For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams. Rather than waiting, they make the purchase. This could pose some serious financial strains. Discipline is a must to prevent impatience from breaking your budget.

Once a person makes a budget, they often fail to adjust it when necessary. A budget is created using a set of expenses and income figures that are liable to change. As these figures do change, it is important that the budget changes to reflect the adjustments. There could be some major deficits if this is not done appropriately and promptly.
Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget. Therefore, adequate funds have not been set aside for presents, food, parties, etc. These items should be factored in and saved for throughout the year.

Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money. Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay.

With a little planning, you’ll be on your way to saving more money than you ever thought possible!


Mahalo.

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Need to learn how to get and stay out of debt and live debt free?

Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:

http://www.renspubhouse.com/debtfree/debtfree.html

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Start Saving - You'll Thank Me Later!

So you are loaded down with bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors. In other words, where can you find that extra cash to put away for later?

Firstly, when configuring your budge, plan for your savings first. You will grow richer each month if you begin to pay yourself first. Before paying any bills, decide on a set amount that you will pay yourself first—maybe five or ten percent—or whatever you decide—of your paycheck. Then, deposit the amount into a savings account before paying any bills.

When you do this at the beginning of the month, your entire paycheck will not suddenly slip through your fingers. If you wait until the end of the month, there may be nothing left to save. Paying yourself first will give you a systematic way to make your money grow. Regardless of your profession or your income, this system will work if you stick to it.

Another technique you may try for saving money is to empty your extra change into a coffee can or a jar each day. At the end of the month, roll the coins and put them into your savings account. You may be able to save 30 or 40 dollars each month just with your spare change.

Remember that good money management is more than just a mathematical formula. It’s too closely tied with the ups and downs of living to be just that. Your money management plan is always subject to change if your life situation changes. The object of a good budget is to make your money go the farthest in helping you reach your goals, it is not there to force to you to abide by rules.

Don’t get discouraged if the budget plan doesn’t work perfectly right away. It may involve some revising and editing until it fits your needs. Then, make sure to review it often, and be sure it is making the best use of every penny! Because we know how helpful those spare pennies can be!

The sooner you start, the better off you'll be. Remember today is the best time to start!

Mahalo.


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Surviving Tough Times - Create and Maintain a Budget

Tough times are here again, and as usual a lot of people are screaming that the “government” or “Big business” screwed them over. Nonsense, the problem lies in individual responsibility. The problem is too many people think that good times are always gong to last, and when trouble hits they are devastated. However there are a lot of people that are still enjoying life, even in bad times. How do they do it? Easy, they just make a budget and stick to it, no matter what the economy is doing. How do they do it, and if you aren't one of them how can you join them? Well here's a few tips to help you get started.

The first step to avoiding the troubles of financial debt is to create and maintain a budget. It’s not as intimidating as it sounds, don’t worry.

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced.

Adjust expenses. If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan. If the deficit is larger, you may need to downsize your vehicle or living arrangements. If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits. This can free up extra money for things such as vacations or college funds for your children.

Additionally, consider if you need to add new categories. Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings. An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise. This will eliminate the need for using credit which can quickly damage your budget.

There are several advantages to sticking to your budget. Firstly, most people have set financial goals that they would like to reach in the future. Sometimes it may be a trip, a brand new car, or a college education. A budget can help people save money to make these goals a reality. Additionally, many people are crushed under heavy consumer debt. Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt. A personal budget will provide the necessary framework to begin eliminating these inflated account balances.

If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts. Therefore, it is anyone’s best interest to create and implement a budget.


Cut Back on Spending

One of the first steps to take when developing your budget is to control your spending.

At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect.

Firstly, alter credit card behavior. Start to pay cash whenever possible. This will help you avoid making a purchase unless you actually have the money available. If you decide to make a credit card purchase, be prepared to pay the balance off monthly. This will save a lot of money through avoiding interest charges. If you already have a credit card balance, then transfer to a card with a low interest rate. Also, find a card that does not charge an annual fee.

Another tip is to pack your lunch everyday. All of those lunch hours spent at restaurants will add up. Bringing your own lunch can save you several dollars every day, which will add up over time.

Use your cell phone during off peak hours. Some people will spend a couple hundred dollars a month on phone charges. Avoid this by making most calls during off peak times. Check with your service and plan to find out when you have cheaper or unlimited calls.

Stop throwing away the Sunday newspaper before skimming through the advertisements. Clip some of those coupons and check out the sales. This may seem tedious, but the savings are often worth it. Many stores will double or triple the amount of the coupon. This technique can save you up to 20 or 30 dollars each time you head to the food store.

Additionally, refinance. Mortgage rates have been extremely low over the past year. This has been a great opportunity to reduce the monthly house payment significantly. If you are planning to have your house paid off prior to retirement, then you may want to factor this in before refinancing.

Finally, bundle your insurance. Many insurance companies will offer their customers lower rates if they purchase multiple policies. For instance, some people use the same agent for multiple cars, and others combine their cars and house. Always keep in mind that a dollar here and there really begins to add up. Avoid the temptation of thinking that changing your spending habits wouldn’t save that much money.

Put these ideas into action and you will see a difference right away. Keep it up and you will find that most of what you thought was necessary was actually waste. On the plus side you will have money for those times when you really want to do something special.


Mahalo.

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Save Money by Avoiding Impulse Spending

Save Money by Avoiding Impulse Spending


Answer these questions truthfully:

1.)Does your spouse or partner complain that you spend too much money?

2.)Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.)Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.)Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.)Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Only through discipline and proper planning can you really enjoy the good life. Spending like there's no tomorrow is not the way to go. Save yourself, Save your money and enjoy the finer things in peace.

Mahalo

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Preventing Default On Student Loans

There are several ways that you can make to prevent the onset of student loan default. It is just somehow necessary for you to place your interest and efforts on preventing it. Here are the possible ways that you can consider:

1.Make sure that you understand your loan options as well as the related responsibilities prior to taking out a student loan.
2.Simply make your payments on time.
3.If possible, inform your lender or service provider promptly about any of the possible adjustments that may affect the repayment of your student loan. In case you move or change your address, let them know. Also, make sure that they know about the name changes, which are very possible because of marriage; graduation or termination of studies; leaves of absence as well as transfers to another institution.
4. If certain financial difficulties are encountered, try to consider applying for a deferment or forbearance on your loans. Many experts often suggest that it is much better to defer your payments than to go in to default status. Along with this, ask your lender or service provider about the available options while you are still making payments, before you enter the default status of your loan. Always note that after you default, you won’t be able to get a deferment or forbearance anymore.
5.If for instance you are having trouble making your payments, try to contact your lender as they may be able to suggest an alternate repayment options for you. Some of the possible options include graduated repayment, income sensitive repayment, as well as income contingent repayment. Also note that the types of available repayment options currently depend on whether the student loan was issued under the FFELP or FDSLP or Direct student loan programs.
6.A student loan consolidation can be considered as another way for preventing student loan default. Combine all of your educational loans into one big loan as this gives you the chance to send your payments to just one lender. What’s more, you may be able to extend the term of the loan in order to lessen the size of your monthly payments.
7.Simply keep records regarding your student loans. If possible, try to back up copies of all your letters, canceled checks, promissory notes, disbursement notices, and some other necessary forms in a file folder. Just be organized.

Getting Out of Default

In case your loan already entered the default status, don’t worry. You still have hopes if you will just try to pay even just a little consideration on your debts. The first move to take to get out of debt is simply to make arrangements with your lender to repay the loan. It is commonly noted that once you have made six regular payments, there is a chance for you to be eligible for an additional Title IV aid.

After you have completed twelve regular payments and applied for and received “rehabilitation”, you will no longer be considered in default. It is also at this time when the record of the default will be eliminated from the reports to credit reporting bureaus.

And, for further information about the available repayment options that could suit your needs, just contact your lender. The financial aid office at your school should also be able to tell you the name, address as well as the contact number of your lender. They can also give you supporting help and advice about your repayment problems.
Student Loan Rehabilitation

As the phrase suggests, the loan rehabilitation is a program designed to rehabilitate the defaulted student loans and return such loans to a favorable status. This program actually requires 12 consecutive monthly payments of a predetermined agreeable amount.

It is often suggested that those borrowers in default status must contact their servicing agency to define the loan rehabilitation program that is reasonable to both parties. However, if a reasonable rehabilitation program cannot be reached with your lender, there is the office of the Federal Student Aid Ombudsman, which is a neutral party, designed to resolve any disputes.

Conclusion

Having said all these, the defaulted student loans are no doubt a serious problem that must be healed as soon as possible. This is for the fact that when the case intensifies, certain damages not only on the person’s credit rating, but other consequences as mentioned above will greatly result like a brush of fire.

Mahalo.

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Green Portfolios Are The Way To Go!

Investing in Alternative Energy Stocks

Alternative energy stock portfolios are a great part of a modern investor's financial plan, due to the fact that there is so much upward potential. These make excellent long term growth investment vehicles, and the money put into them by you, the investor, serves to further the cause of implementing the alternative energy power sources that we need as we sail into the 21st century and beyond.

Analysts predict that by 2013, the alternative energy industry will be a $13 billion dollar industry in today's dollars. This figure bespeaks an enormous return on investment. Indeed, if you were to invest in a start-up alternative energy company, you might find yourself having invested in the next Microsoft in terms of return on investment. People are fed up with the rising costs of gasoline—while this alone is not sufficient understanding of the need for developing alternative energy sources, it is a factor which can act as a market maker—meaning for you that investments in alternative energy companies makes a lot of financial sense.

However, this does not mean that you don't first want to do some careful research into alternative energy stocks, perhaps with the help of a financial planner. “A few alternative-energy companies are going after the right markets but that doesn't mean you should go buy every name in the sector. Investors need to be cautious about chasing the stocks. And if you are an investor, then you know that the problem in this sector is that nearly every single one of the major players in the alternative energy for profit game are start-ups or in the very early stages of growth. This means for you that they have relatively minuscule (even if rapidly growing) sales, and no expected profitability in the near term or history of earnings for you to be able to research. This can lead to some bubbling, as with what happened to the dot-com industry at the turn of the 21st century. Bubbling in the stock market is not a good thing for investors.

Analysts and financial planners can play a crucial role in helping you get it right with alternative energy investing. “We don't play around in the tiny cap stocks that have technology and not much revenue—the 'hope' stocks. Do your research so you can invest in companies with clear cash generation plans in place.

Still, the outlook is very positive overall—and healthy. “It is good to see that the number of renewable energy funds and the amount of money flowing into these funds is increasing. The renewable generation market is at an important stage in its development; it needs the continued support of the consumer, investor and government to ensure that it reaches its potential and really starts to make a difference to climate change.

So do yourself and the planet a favor and make your portfolio go green in more ways than one.

Mahalo.

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We Need More Investment into Alternative Energy R&D

The US government must continue to back the expansion of the role of alternative energy research and development and its implementation by companies and homeowners. Although I believe in the reign of the free market and that “that government is best which governs least”, our current system has companies and people expecting federal backing of major initiative with direct investment, in the form of tax breaks, rebate incentives, and even direct central bank investment into the alternative energy industry.

The US and its citizenry need to invest all of the time and energy that they can spare to the conversion from a fossil fuel burning society to one that is green for several different reasons. The green economy will not harm the environment or the quality of our air like fossil fuel burning does. We can become the energy independent nation that we need to be by cutting away our need to import oil, especially oil that is produced by anti-American nations such as Iran. Ultimately, renewable energies and extremely efficient energies like atomic energy are far less expensive than the continuous mining and drilling for fossil fuels. If we do not invest in our future now, catastrophe awaits us. We are going to need to consume more energy than ever in our history as we sail into the 21st century and beyond our dependency on foreigners for meeting these energy needs only leaves us open to sabotage while draining our coffers in order to fill other nations'.

It can be argued that federal, state, and local governments should work in conjunction on the issue of alternative energy research and development and implement mandatory programs for new home construction and all home remodeling that stipulate the installation of alternative energy power sources eventually over a certain period of years transforming into 100% installation of alternative energy sources for any new home or corporate building—as well as backing a similar program to have all new vehicles produced in the nation be hybrid vehicles or hydrogen fuel cell powered vehicles by the year 2020. All levels of government could also impose mandatory compliance laws on construction and utilities companies. The utility companies in all 50 states should be required to invest in alternative energy research and development while also being required to buy back, at fair rates, excess energy produced by homeowners through their use of alternative energy power sources. Strong financial incentives need to be in place for new companies to invest in developing renewable energies. This would not only make the US energy independent at the fastest possible rate, but it would stimulate the growth of the economy and provide tens of thousands of new, good-paying jobs for people.

Alternative energy generation in the forms of solar, wind, hydroelectric, biofuel, geothermal, and atomic; alternative energy storage systems such as more efficient batteries and hydrogen fuel cells; and alternative energy-furthering infrastructures with superior energy efficiency all need to be brought into the affordable price range through development. Government investment into these matters would surely help us along.

Mahalo.

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Turning Your Portfolio “Green”

Turning Your Portfolio “Green”

Making Investments in Alternative Energy

It is possible to have a portfolio which profitably (that's the key word, is it not?) invests in alternative energy funds. “Green” energy production is expected to be a multi-billion (in today's dollars) industry by 2013.

The most recently developed wind-turbine technologies have brought us wind-produced energy which is more cost efficient as well as more widespread. More state-of-the-art wind energy technologies are typically more market competitive with conventional energy technologies. The newer wind-power technologies don't even kill birds like in days of old! Wind energy production is a growing technology, and companies engaged in it would make up an excellent part of a growth or aggressive growth portfolio.

Next to consider are solar cell, or photovoltaic cell, technologies. These are to be found implemented in pocket calculators, private property lights, US Coast Guard buoys, and other areas. More and more they find their way onto the roofs of housing and commercial buildings and building complexes. Cost is falling. Their energy efficiency (the ratio of the amount of work needed to cause their energy production versus the actual energy production) is steadily on the rise. As an example, the conversion efficiency of silicon cells has increased from a mere four percent in 1982 to over 20% for the latest technologies. Photovoltaic cells create absolute zero pollution as they are generating electrical power. However, photovoltaic cellls are not presently as cost effective as “utility produced” electricity. “PV” cells are not [capable at present for producing industrial-production amounts of electricity due to their present constraints on space. However, areas where photovoltaic cell arrays could be implemented are increasingly available. In sum, costs are going down while efficiency is rising for this alternative fuel technology.

Many alternative energy investment portfolio advisors are confident that alternative energies derived from currents, tidal movement, and temperature differentials are poised to become a new and predominant form of clean energy. The French are actually fairly advanced at hydro power generation, and numerous studies are being made in Scotland and the US along these sames lines. Some concerns center around the problems with the deterioration of metals in salt water, marine growth such as barnacles, and violent storms which have all been disruptions to energy production in the past. However, these problems for the most part seem to be cured through the use of different, better materials. Ocean-produced energy has a huge advantage because the timing of ocean currents and waves are well understood and reliable.

Investments in hydro-electric technology have grown in the last two decades. Hydro-electric power is clean; however, it's also limited by geography. While already prominent as power generation, the large, older dams have had problems with disturbing marine life. Improvements have been made on those dams in order to protect marine life, but these improvements have been expensive. Consequently, more attention is now being paid to low-impact "run-of-the-river" hydro-power plants, which do not have these ecological problems.

The reality is, the energy future is green, and investors would do well to put their money out wisely, with that advice in their minds.

Mahalo.
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Dumb Investing Mistakes to Avoid

Investing is crucial to having a secure and happy life after retirement (as well as having something to fall back on to in tough times). Though it's not the most difficult thing in the world to do, there are a lot of pitfalls and traps that many people fall into despite the warnings. Just be careful and be sure not to make these common mistakes.


Along the way, you may make a few investing mistakes, however there are big mistakes that you absolutely must avoid if you are to be a successful investor. For instance, the biggest investing mistake that you could ever make is to not invest at all, or to put off investing until later. Make your money work for you – even if all you can spare is $20 a week to invest!

While not investing at all or putting off investing until later are big mistakes, investing before you are in the financial position to do so is another big mistake. Get your current financial situation in order first, and then start investing. Get your credit cleaned up, pay off high interest loans and credit cards, and put at least three months of living expenses in savings. Once this is done, you are ready to start letting your money work for you.

Don’t invest to get rich quick. That is the riskiest type of investing that there is, and you will more than likely lose. If it was easy, everyone would be doing it! Instead, invest for the long term, and have the patience to weather the storms and allow your money to grow. Only invest for the short term when you know you will need the money in a short amount of time, and then stick with safe investments, such as certificates of deposit.

Don’t put all of your eggs into one basket. Scatter it around various types of investments for the best returns. Also, don’t move your money around too much. Let it ride. Pick your investments carefully, invest your money, and allow it to grow – don’t panic if the stock drops a few dollars. If the stock is a stable stock, it will go back up.

A common mistake that a lot of people make is thinking that their investments in collectibles will really pay off. Again, if this were true, everyone would do it. Don’t count on your Coke collection or your book collection to pay for your retirement years! Count on investments made with cold hard cash instead.

Remember, the best investment tool is common sense. Listen to your instinct and study your options thoroughly and you can avoid the common mistakes and steer clear of the pitfalls and traps. Don't be a statistic for the nightly news.


Mahalo.

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Get The Money You Ned For Your Business Startup

HOW TO RAISE MONEY FOR STARTING A BUSINESS

The task of raising money for a business is not as difficult as most people seem to think. This is especially true when you have an idea that can make you and your backers rich. Actually, there's more money available for new business ventures than there are good business ideas.

A very important rule of the game to learn: Any time you want to raise money, your first move should be to put together a proper prospectus.

This prospectus should include a resume of your background, your education, training, experience and any other personal qualities that might be counted as an asset to your potential success. It's also a good idea to list the various loans you've had in the past, what they were for, and your history in paying them off.

You'll have to explain in detail how the money you want is going to be used. If it's for an existing business, you'll need a profit and loss record for at least the preceding six months, and a plan showing how this additional money will produce greater profits. If it's a new business, you'll have to show your
proposed business plan, your marketing research and projected costs, as well as anticipated income figures, with a summary for each year, over at least a three year period.

It'll be advantageous to you to base your cost estimates high, and your income projections on minimal returns. This will enable you to "ride through" those extreme "ups and downs" inherent in any beginning business. You should also describe what makes your business unique---how it differs form your competition and the opportunities for expansion or secondary products.

This prospectus will have to state precisely what you're offering the investor in return for the use of his money. He'll want to know the percentage of interest you're willing to pay, and whether monthly, quarterly or on an annual basis. Are you offering a certain percentage of the profits? A percentage of the business? A seat on your board of directories?

An investor uses his money to make more money. He wants to make as much as he can, regardless whether it's short term or long term deal. In order to attract him, interest him, and persuade him to "put up" the money you need, you'll not only have to offer him an opportunity for big profits, but you'll have to spell it out in detail, and further, back up your claims with proof from your marketing research.

Venture investors are usually quite familiar with "high risk" proposals, yet they all want to minimize that risk as much as possible. Therefore, your prospectus should include a listing of your business and personal assets with documentation---usually copies of your tax returns for the past three years or more. Your prospective investor may not know anything about you or your business, but if he wants to know, he can pick up his telephone and know everything there is to know within 24 hours. The point here is, don't ever try to "con" a potential investor. Be honest with him. Lay all the facts on the table for him. In most cases, if you've got a good idea and you've done your homework properly, and "interested investor" will understand your position and offer more help than you dared to ask.

When you have your prospectus prepared, know how much money you want, exactly how it will be used, and how you intend to repay it, you're ready to start looking for investors.

As simple as it seems, one of the easiest ways of raising money is by advertising in a newspaper or a national publication featuring such ads. Your ad should state the amount of money you want always ask for more money than you have room for negotiating. Your ad should also state the type of business
involved ( to separate the curious from the truly interested), and the kind of return you're promising on the investment.

Take a page from the party plan merchandisers. Set up a party and invite your friends over. Explain your business plan, the profit potential, and how much you need. Give them each a copy of your prospectus and ask that they pledge a thousand dollars as a non-participating partner in your business. Check with the current tax regulations. You may be allowed up to 25 partners in Sub Chapter S enterprises, opening the door for anyone to gather a group of friends around himself with something to offer them in return for their assistance in capitalizing his business.

You can also issue and sell up to $300,000 worth of stock in your company without going through the Federal Trade Commission. You'll need the help of an attorney to do this, however, and of course a good tax accountant as well wouldn't hurt.

It's always a good idea to have an attorney and an accountant help you make up your business prospectus. As you explain your plan to them, and ask for their advice, casually ask them if they'd mind letting you know of, or steer your way any potential investors they might happen to meet. Do the same with your banker. Give him a copy of your prospectus and ask him if he'd look it over and offer any suggestions for improving it, and of course, let you know of any potential investors. In either case,
it's always a good idea to let them know you're willing to pay a "finder's fee" if you can be directed to the right investor.

Professional people such as doctors and dentists are known to have a tendency to join occupational investment groups. The next time you talk with your doctor or dentist, give him a prospectus and explain your plan. He may want to invest on his own or perhaps set up an appointment for you to talk with the manager of his investment group. Either way, you win because when you're looking for money, it's essential that you get the word out as many potential investors as possible.

Don't overlook the possibilities of the Small Business Investment Companies in your area. Look them up in your telephone book under "Investment Services." These companies exist for the sole purpose
of lending money to businesses which they feel have a good chance of making money. In many instances, they trade their help for a small interest in your company.

Many states have Business Development Commissions whose goal is to assist in the establishment and growth of new businesses. Not only do they offer favorable taxes and business expertise, most also offer money or facilities to help a new business get started. Your Chamber of Commerce is the place to check for further information of this idea.

Industrial banks are usually much more amenable to making business loans than regular banks, so be sure to check out these institutions in your area. insurance companies are prime sources of long term business capital, but each company varies its policies regarding the type of business it will consider. Check your local agent for the name and address of the person to contact. It's also quite possible to get the directories of another company to invest in your business. Look for a company that can benefit from your product or service. Also, be sure to check at your public library for available foundation grants. These can be the final answer to all your money needs if your business is perceived to be related to the objectives and activities of the foundation.

Finally, there's the Money broker or Finder. These are the people who take your prospectus and circulate it with various known lenders or investors. They always require an up-front or retainer fee, and there's no way they can guarantee to get you the loan or the money you want.

There are many very good money brokers, and there are some that are not so good. They all take a percentage of the gross amount that's finally procured for your needs. The important thing is to check them out fully; find out about the successful loans or investment plans they're arranged, and what kind of investor contacts they have---all of this before you put up any front money or pay any retainer fees.

There are many ways to raise money---from staging garage sales to selling stocks. Don't make the mistake of thinking that the only place you can find the money you need is through the bank or
finance company.

Start thinking about the idea of inviting investors to share in your business as silent partners. Think about the idea of obtaining financing for a primary business by arranging financing for another business that will support the start-up, establishment and developing of the primary business. Consider
the feasibility of merging with a company that's already organized, and with facilities that are compatible or related to your needs. Give some thought to the possibilities of getting the people supplying your production equipment to co-sign the loan you need for start-up capital.

Remember, there are thousands upon thousands of ways to obtain business start-up capital. This is truly the age of creative financing.

Disregard the stories you hear of "tight money," and start making phone calls, talking to people, and making appointments to discuss your plans with the people who have money invest. There's more money now than there's ever been for a new business investment. The problem is that most beginning "business builders" don't know what to believe or which way to turn for help. They tend to believe the stories of "tight money," and they set aside their plans for a business of their own until a time when start-up money might be easier to find.

The truth is this: Now is the time to make your move. Now is the time to act. the person with a truly viable business plan, and determination to succeed, will make use of every possible idea that can be imagined. And the ideas I've suggested here should serve as just a few of the unlimited sources of monetary help available and waiting for you!

Mahalo

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Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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MEMORY AND PUBLIC SPEAKING TIPS!

MEMORY AND PUBLIC SPEAKING TIPS!

Most people fear public speaking more than death. This is insane because one can almost always recover from a speech given in public. Let's face it this irrational fear is just an ego thing. One of the reasons we are afraid is we think we might forget what we are saying and end up just standing there, mouth agape in front of others. Well here are some tips to alleviate that situation.

The same system mentioned on previous post on remembering names (see the archive) may be used to memorize a speech by linking a series of thoughts to a series of ridiculous pictures in sequence.

Proper preparation of your speech is half the battle. Know you subject thoroughly then make an outline for the introduction, main body and conclusion. Start your speech with something to startle your audience into complete attention such as a weird statement or funny happening.

In presenting the main body of your speech get the confidence of your audience by letting them know you know your subject very well. Get your points across without argument.

In making your conclusion you can briefly sum up what you have just stated then end with a big bang; recommending action your audience should take or suggesting they change their viewpoint on the subject etc.; finalize with a joke that fits the circumstances, or powerful word pictures they will remember after they leave the meeting.

Make your outline in large print with plenty of space between lines so you will be able to look up without losing your place on the sheets. Rely on your memory for the most important points, including the opening and closing lines.

Practice your speech with a tape recorder and in front of a mirror before the meeting. Work out any apparent speaking problems or things that don't sound just right. Know what you are going to do with your hands and determine the better body movements to go with your personality. Continually make eye contact back and forth across the room.

Take time to think before answering questions. If you don't have the answer, ask another question, refer it to someone else better qualified to answer, answer in general terms, or change the subject (like politicians do) complimenting the person asking the "impossible" question, or by telling a "clean" joke.

As you see you don't have to “die of embarrassment” just because you have to make a speech. Use these tips and talk away!

Mahalo

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Starting Out, 4 Must-Know Tips For Entry Level Jobs

We would all love starting out at the top of the work pyramid, but not all of us have parents that will leave us the family corporation. That means that we have to start out somewhere nearer the bottom than the top.

For most people, aiming for a higher position at once is the key to job search success. However, for some people who know that in order to succeed in the job market, they have to, literally, start from scratch. This means that people who want to grow positively in the working world; they have to learn the basics and fundamental principles of working, how it is to love the work most people do, and how to establish a good working relationship with his or her colleagues.

In order to enjoy all of these, one must submit himself or herself to an entry-level type of job. This refers to a job that requires minimal skills and expertise with no experience requirement needed.

Because of its nature, entry-level jobs are characterized by low salary, require physical work, and sometimes need field work.

Most often than not, people who are into entry-level jobs have very low hourly rates and may or may not entail insurance. This would mean that any hospital expenses caused by accidents that happened while the worker is at work may or may not be compensated by the employer, meaning there is no guarantee or whatsoever.

What’s more, most entry-level jobs are on a part-time basis. Examples of entry-level jobs are receptionist, apprenticeship, those who are working in a fast food restaurant, customer service, cashiers, etc.

Contrary to popular belief, entry-level jobs should not be ignored. What people do not realize is that entry-level jobs offer more than just low wages. These jobs are the foundation of all other positions available in the job market.

In most cases, people who start to work on higher positions right after they graduate from college are easily bored from their work. What is even worse, there is no room available for personal growth and career advancement.

Entry-level jobs are the stepping-stone to success in careers. So, for people who wish to grow and be promoted to a higher position, here are some tips that they can use:

1. Workers who are in the entry-level position should show enthusiasm, efficiency, caring, and love for their work.

2. They should master their skills and hone their craft.

3. They should be an expert on customer service.

4. They should know how to impress a customer who happens to be seeking an employee who knows optimum customer service.

These are just a few of the qualities that must be employed by an entry-level worker in order to advance to a higher position. And once they reach the top, they know that work is definitely something worth valuing.

Remember that attitude is just as important, if not a bit more, than aptitude in the workplace. Just because you may not have the “ideal job” yet, if you do your work with enthusiasm and learn you will advance and get the job you truly deserve and want.


Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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HOW TO REMEMBER NAMES, A SHORT MEMORY COURSE!

You just called the TV repair shop and the voice on the other end of the line tells you "this is Don Smith". About 5 minutes later you tell your wife that "this guy" will be out to fix the TV in the morning. You can't think of his name although you know he mentioned it on the phone.

This happens all the time to just about any of us unless we have learned to concentrate and implant the name in our memory right at the time we hear it. To do this you first must make a habit of repeating the name back to the person. This action will remind you to store the name in your "Memory banks" each time you hear someone's name, and, within a matter of a short time the "repeating" process can be discontinued.

When you meet someone in person use the same procedure, and in addition, visualize something different, unusual from the ordinary, or "ridiculous" about their appearance, position, or actions that "ties in" with their name. You may have to put the descriptive information on one side of a card or piece of paper and the name on the other side for a while until it is embedded in your memory permanently. Look at it repeatedly, see the "picture" in your mind's eye as you look at the name, or when you see the name visualize the "picture" you have assigned to the name.

Getting this system to work will require certain changes in your thinking and it may take several days or several weeks to become proficient. After all, you have developed a "bad Habit" over a period of many years and it is difficult to turn it around overnight.

This method also works with anything else work remembering, not just names. When you have occasion to remember something, jot it down and incorporate it into your list . . . No complicated formula . . . Just a system that works with a little concentration.

HOW TO REMEMBER ANYTHING!

As mentioned above a person may train their memory by associating names with specific illustrations. This works just as well with written information.

There are several key words or a key thought in each paragraph of printed matter that can be associated with an illogical or ridiculous illustration. It is much easier to remember and recall ridiculous associations than it is to recall normal and uneventful relationships.

As you proceed through any text choose one or several Key words or key thoughts from each subject and relate the same to a ridiculous cartoon or illustration. Actually "see" it in your minds eye as it relates to the key word or key thought.

When you have occasion to remember a particular matter, the "picture" should automatically appear to you and the entire thought should be recalled. Be sure to SEE the ridiculous picture associated with the printed matter you wish to recall.

As you proceed through a book, practice seeing a picture and relate it to the key words or the main thought of the written material. This method of learning should improve your ability to retain what you read. With sufficient "practice" using this method, many individuals will be able to develop a "photo-Type" memory.

The Key to this memory system is to "see" the "picture" in your "mind's eye". After you have practiced and mastered the system and are able to get instant flashback recall you should be able to read most any text material and visualize ridiculous pictures to associate with the thoughts expressed in the printed
materials.

We suggest you prove this system to yourself. As you read the first several pages of information, "see" a picture related to the words or thought. It may be rather difficult to "see" at first but by constant effort and concentration amazing progress can be made. When you have seen the picture, just go on
reading the following subject matter and repeat the process. Don't be concerned that you will forget the prior subjects! They should remain imprinted on your mind and recalled later, instantaneously and clearly.

After you have read several pages, recall the first few "mind-pictures". If you originally "saw" the picture as related to the key thought of the printed material, you should remember the basic information.

Try it! It's interesting! After you have mastered this learning system, it should be easy to file various programs away in your memory and recall them as needed to progress in your search for success.

I hope you enjoyed these tips. A good memory is a must these days with the amount of information we get inundated with daily, so practice these tips and build your memory.

Mahalo.

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For more resources to help you with your Online Marketing check out

http://www.renspubhouse.com/business.html

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Need help to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Michael J Rener has worked in Marketing, Sales and the Computer Industry for over 20 years. He is the author of the ebook "Inquisitive Explorer's Internet Marketing Primer" which is available (along with other quality ebooks) through his website http://www.renspubhouse.com

HIDDEN CREDIT AND CREDIT CARDS SECRETS

We hear and see billions of commercials, emails and banner ads about credit and credit cards. But what do you really need to know about credit cards and credit to survive? How do you go about building up your credit and how can you get back after a devastating credit problem? This article covers some of the basics, but you should study each technique more in depth.

If you have any charge accounts now, or have ever borrowed from the bank to buy a car, or if you are paying on a mortgage, there is credit information on you. Up until a few years ago, you could only guess at what your credit rating was, because the credit bureaus who keep track of borrowers wouldn't tell the borrowers anything! But that's been changed through several laws, and now the bureaus have to send you your credit file when you request it. If you've been denied credit on the basis of their record, they will send you a copy of that record without charge, if you request it within 30 days of the credit denial. If you haven't been denied credit but just want to know what your file says, you must pay a small fee to find out.

It is well worth your trouble to obtain your report. You may well find (because thousands do) that there is a piece of misinformation that is injuring you without your knowing it, which you can straighten out by submitting copies of documentary proof (never mail originals of anything important - it may get lost in the mail) of bills paid, payments made, etc.

If, for one reason or another, you are not listed, or they have insufficient information on you to "rate" your suitability for credit, you must take steps to correct this.

If you have no record because you hold no cards and have no charge accounts, or because you have just come in from out-of-town, then you'd better start assembling one. It may sound a little ridiculous, but nobody will lend money to someone's who's always paid cash! You have to have borrowed money or run up charges and paid them back to be able to borrow larger sums as time goes along.

Start with the local merchants in your immediate area, the ones that already know you. Even if you don't need it right now, ask them if you can set up a charge account with them. In most cases they'll be glad to oblige you, they already know you're local, and that you patronize them regularly. when you get the credit, charge a few items each week, and pay your account promptly when presented. In this way, you'll build up a good credit record with these merchants in a short time.

Go to the bank where you keep your checking account, and ask to borrow a nominal sum (say $500), which they are unlikely to refuse you. Do this even if you don't need the money, because you do need the repayment record on their books. Repay the loan on a regular basis when due. Do not accelerate, and pay it all back the next month. Strangely enough the banks do not like that, because to them that indicates a "feast or famine" situation, rather than a steady payer. The interest cost on this loan, even if you have no need for the money, will be well worth paying to build up your credit record. Besides, you can minimize this interest cost by depositing the money you have borrowed (assuming you do not immediately need it), in a savings account, and collecting the interest, which will defray a good part of the cost of the interest you are paying.

Once these charge accounts and the loan have been operating for a while, proceed to stage two, and ask a large local department store for a charge account. Most likely they will be happy to give you their charge card. Build up your rating with them by occasional purchases and prompt payment, and then you proceed to stage three, and apply for the less selective national credit cards, Master Charge and Visa, which you should a this point be able to get without too much difficulty.

Once you have national bank credit, it's easy to get credit from all the oil companies, which makes traveling around a cash-free pleasure. Some gas stations take national cards like Master Charge, but most only take their own credit cards, so you should not overlook these, just because you already have others.

Once you have all the other cards, a paid-up loan or two, and a fine record of promptly paying your bills, you may be able to get the most selective cards of all, the "travel and entertainment" cards. These are American Express, Diners' Club and Carte Blanche. These cards operate on a different system
than ordinary retail store cards, or the national bank cards, both of which are revolving credit plans on which you pay a small amount each month, until your balance is all paid up. The store or bank hopes you take a long time to pay, because they make their money on the 1 1/2% monthly (which is 18% yearly!) finance and, or interest charges.

The T&E cards, however, expect you to pay your bills at the end of the month! Let your account get 60 days or more delinquent, and they'll cancel you out as fast as a flash of lightning. Although these cards do not charge interest, they do charge you a fee for membership.

So how do you get these marvelous bits of plastic that open up the doors of exotic nightspots in Tangiers as easily as your nearby Howard Johnson's? Your good credit record, that you have already established, will be the most help. Since the T&E people want you to pay your bills promptly each month, they want to know that you have a steady record of paying bills promptly to other people.

So first American Express, or Carte Blanche, or Diners' Club, looks at your credit record. Then at your salary or other income. Most of them have cut-off points below which they will not grant their cards. But even if you earn more than their minimum requirements, they don't automatically okay you for their credit. They look at your stability! How do they measure stability? How long have you worked on your present job? If you don't have a minimum of two years of steady work in one place, they may not consider you at all. How long have you lived at your present address? At your previous address? And do you rent an apartment which means you could move tomorrow, or do you own your own house, which means you will probably still be in the same place next year. How stable is your livelihood?
Do people in your field of work get laid off frequently?

Once you have all the major national credit cards in your wallet, you can live like the millionaires do, even though you haven't yet become one. You can go into a fancy store, or even call them on the telephone, and order those wonderful luxuries which make life so much more exciting, like furs and diamonds, for your loved one, or new furniture or appliances for your living room, bedroom or kitchen. All of this can come true in the wonderful world of credit. Now in today's world you can charge almost anything on a credit card, from admission to a nudist camp in France, to medical care at a hospital in Atlanta, university courses in New York City, funerals in Los Angeles, and even the services of legal prostitutes in Las Vegas.

But what do you do if you haven't been able to pay your bills promptly, or you've run up more than you can handle, or you don't have a very stable work history? Do you have to give up the dreams of credit-card living? Not entirely!

Once you find out which credit conditions in your background are the most troublesome (from the credit report you have already sent for), you then start to create new conditions that you can then base your records on. If you were out of work, perhaps you can get a reference from someone you know who owns a business and is willing to say that you worked for him, if the credit card company checks your references. If your bills are too high, and you've missed a few payments, perhaps you should see
one of the free consumer-counseling services that are springing up in the larger cities which will enable you to consolidate your debts into a manageable amount. Remember that credit card companies don't care very much about the amount you owe, but they care a lot about whether you pay steadily, every single month, even if the amount each month is small, and the entire debt will take years to pay off!

Don't overlook ways to establish good credit without buying anything! For example, you have telephone service in your own name, you have a record of paying bills to them which is then part of your credit record. The same for your gas and electric supplies from you local public utilities. These services, when they are in your name, will show prospective merchants that you do have a record of paying bills, even if you haven't yet established retail store or bank credit.

The world of credit has one more trick you should know about, this one that actually saves you money right on the spot. All you have to do is carry your credit cards with you when you go out shopping, even if you intend to pay by cash. Then you have to keep an eye open for the smaller, personal service-type shops, where the boss himself, or one of the partners, is always present (you'll see why in a minute). As you walk in, check out the decals on the door to see which credit cards they accept. Then select your purchase in the way you normally would - taking your usual care to be sure you're getting the right item at the right price. When the deal's all set, produce your credit card (one of those you know he takes), and say "I'd like to charge it, please!" At this, the merchant's face will probably drop
about six feet, but he'll take your card and walk over to the imprinting machine (or maybe to the telephone to check your credit status). He hasn't got much choice, he has to take your card if he uses their decal in the window. But the point is, he hates to, because he has to pay the credit card company a percentage of the sale, usually somewhere between 6% and 10%.

Now, while he's vulnerable, is the time to hit him with a casually dropped remark like "say, how about knocking 5% off the price, and I'll pay cash instead?" The chances are he'll accept your offer, because it saves him the other part of the credit card company percentage, and because it saves him bookkeeping chores, and waiting from 3 to 7 days for his money to be credited to him by the credit card company.

The reason why this gimmick doesn't work in big stores is that the clerk doesn't give a damn what it costs the boss, and has no authority to take an additional percentage off the price, so he'll just go ahead and write up your credit card invoice.

Mahalo.

******************************************************************
Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

******************************************************************