Recessions Are For Sissies - Make Your Business Grow Now

By Christina Helwig

All over the country people are turning paranoid. They are hiding in their homes and waiting for "spring." They are passing up great opportunities in order to conserve what little they have "left" because they do not want to have nothing at all when the economy turns around. This is absolutely the wrong thing to be doing right now. While of course people should be shoring up their money situation; they should not be ducking their heads in the sand and hiding money in their mattresses.

The first thing you should do is form a clear and concise plan of what your goals and objectives are for the next three years. Your plan should include a very precise snapshot of where you are financially right NOW! If you have not been keeping careful track on your monthly expenses and income you have some work to do. You cannot change anything until you first know where you are. Once you have that baseline you can decide where you would like to be in three years. Start off with thinking of the amount of income you would like to have and the different things you would like to have in your life: a new car, home, toys, charitable giving, money for your child's school etc. Once you have thought about these things then figure out how much each of these things will cost you. With your current financial snapshot and your "dream" list completed you then are in a position to figure out how much you need to earn to accomplish those goals in three years. The more income you want, the higher level of service or "effort" will be required on your part.

You will want to build into your plan both a way to reduce your debt and a way to build up your wealth. Take your current income and apportion it in a way you feel comfortable to accomplish these goals. Make sure to include a reoccurring monthly amount for starting a business or investment account. If you solely focus on eliminating debt you will freeze yourself into not being able to act on business opportunities until you have all your debt paid off. This cycle gets you no where. You will have no savings and never be able to act on your goals and dreams. We all know the debt cycle. Somehow just when you are almost finished paying everything off... boom the car breaks down or someone needs braces. By having a monthly wealth building account you have money set aside to invest and grow a business.

While your wealth building account grows you want to keep an eye out for bargains and potential ways to either grow your business or start a new business. An example right now would be consultants for people looking for jobs. As the job market shrinks more and more people need help to differentiate themselves from other job seekers. There are countless ways an entrepreneur could help people get and find jobs. You should also be on the lookout for innovative ways to improve things you use all the time. New and improved products always have a place in the market. Also start to pay careful attention to the way millionaires and more importantly billionaires are behaving in the market place. If you watch closely, they will give very big clues on stable companies and markets that it is wise to think about investing in. Many people make massive fortunes in troubled economic times. Its all a function of the way you think and how well you prepare yourself to meet challenges head on.

One of the most important things you can do to improve your earning capacity is to increase your knowledge and more importantly your self-confidence. Simply reading a book a week or watching a motivational video can help give you the confidence to take action on your goals and dreams. Nothing happens while you are sitting around complaining about the economy. The prizes in this new era will go to the people who are not afraid to invest in themselves and take action even when others are hiding from the world.

About the Author:

When you change your habits, actions and attitudes, your whole world will change. Set aside a few minutes each day to work on your goals. Click on http://www.GlobalSuccessILG.com to learn about how to increase your income and create wealth. This site covers topics from tax strategies, to growing your business and many more. Christina Helwig is an attorney and Vice-President of Wealth Expressions, Inc.

Fight The Recession - Make Your Business Grow And Prosper

By Christina Helwig

All over the world people are turning into little squirrels. They are gathering up their nuts and seeds and stuffing them away for "spring." They are passing up opportunities to conserve what little they have left because they do not want to be left with nothing at all when this economy turns around. This is absolutely the wrong thing to be doing right now. While of course people should be shoring up their financial situation, they should not be ducking their heads in the sand and hiding money in the mattress.

The first thing you should do is form a clear and concise plan of what your goals and objectives are for the next three years. Your plan should include a very precise snapshot of where you are financially right NOW! If you have not been keeping careful track on your monthly expenses and income you have some work to do. You cannot change anything until you first know where you are. Once you have that baseline you can decide where you would like to be in three years. Start off with thinking of the amount of income you would like to have and the different things you would like to have in your life: a new car, home, toys, charitable giving, money for your child's school etc. Once you have thought about these things then figure out how much each of these things will cost you. With your current financial snapshot and your "dream" list completed you then are in a position to figure out how much you need to earn to accomplish those goals in three years. The more income you want, the higher level of service or "effort" will be required on your part.

You will want to build into your financial plan both a way to reduce your financial obligations and a way to build up your wealth. Take your current income and divide it in a way you feel comfortable to accomplish these goals. Make sure to include a reoccurring monthly amount for starting a business or an investment account. If you solely focus on eliminating debt you will force yourself into not being able to act on opportunities until you have all your debt paid off. This cycle gets you no where. You will have no savings and never be able to act on your goals and dreams. We all know the debt cycle. Somehow just when you are almost finished paying everything off... boom the car breaks down or someone needs braces. By having a monthly wealth building account you have money set aside to invest and grow a business.

While your wealth building account grows you want to keep an eye out for bargains and potential ways to either grow your business or start a new business. An example right now would be consultants for people looking for jobs. As the job market shrinks more and more people need help to differentiate themselves from other job seekers. There are countless ways an entrepreneur could help people get and find jobs. You should also be on the lookout for innovative ways to improve things you use all the time. New and improved products always have a place in the market. Also start to pay careful attention to the way millionaires and more importantly billionaires are behaving in the market place. If you watch closely, they will give very big clues on stable companies and markets that it is wise to think about investing in. Many people make massive fortunes in troubled economic times. Its all a function of the way you think and how well you prepare yourself to meet challenges head on.

One of the most important things you can do to improve your earning capacity is to increase your knowledge and more importantly your self-confidence. Simply reading a book a week or watching a motivational video can help give you the confidence to take action on your goals and dreams. Nothing happens while you are sitting around complaining about the economy. The prizes in this new era will go to the people who are not afraid to invest in themselves and take action even when others are hiding from the world.

About the Author:

When you change your habits, actions and attitudes, your whole life will change. Set aside several minutes each day to work on your goals. Click on http://www.GlobalSuccessILG.com to learn about how to increase your income and create wealth. This site covers topics from tax strategies, to growing your business and many more. Christina Helwig is an attorney and VP of Wealth Expressions, Inc.

Fight The Recession - Make Your Business Grow And Prosper

By Christina Helwig

All over the world people are turning into little squirrels. They are gathering up their nuts and seeds and stuffing them away for "spring." They are passing up opportunities to conserve what little they have left because they do not want to be left with nothing at all when this economy turns around. This is absolutely the wrong thing to be doing right now. While of course people should be shoring up their financial situation, they should not be ducking their heads in the sand and hiding money in the mattress.

The first thing you should do is form a clear and concise plan of what your goals and objectives are for the next three years. Your plan should include a very precise snapshot of where you are financially right NOW! If you have not been keeping careful track on your monthly expenses and income you have some work to do. You cannot change anything until you first know where you are. Once you have that baseline you can decide where you would like to be in three years. Start off with thinking of the amount of income you would like to have and the different things you would like to have in your life: a new car, home, toys, charitable giving, money for your child's school etc. Once you have thought about these things then figure out how much each of these things will cost you. With your current financial snapshot and your "dream" list completed you then are in a position to figure out how much you need to earn to accomplish those goals in three years. The more income you want, the higher level of service or "effort" will be required on your part.

You will want to build into your plan both a way to reduce your debt and a way to build up your wealth. Take your current income and apportion it in a way you feel comfortable to accomplish these goals. Make sure to include a reoccurring monthly amount for starting a business or investment account. If you solely focus on eliminating debt you will freeze yourself into not being able to act on business opportunities until you have all your debt paid off. This cycle gets you no where. You will have no savings and never be able to act on your goals and dreams. We all know the debt cycle. Somehow just when you are almost finished paying everything off... boom the car breaks down or someone needs braces. By having a monthly wealth building account you have money set aside to invest and grow a business.

While your wealth building account grows you want to keep an eye out for bargains and potential ways to either grow your business or start a new business. An example right now would be consultants for people looking for jobs. As the job market shrinks more and more people need help to differentiate themselves from other job seekers. There are countless ways an entrepreneur could help people get and find jobs. You should also be on the lookout for innovative ways to improve things you use all the time. New and improved products always have a place in the market. Also start to pay careful attention to the way millionaires and more importantly billionaires are behaving in the market place. If you watch closely, they will give very big clues on stable companies and markets that it is wise to think about investing in. Many people make massive fortunes in troubled economic times. Its all a function of the way you think and how well you prepare yourself to meet challenges head on.

One of the most important things you can do to improve your earning capacity is to increase your knowledge and more importantly your self-confidence. Simply reading a book a week or watching a motivational video can help give you the confidence to take action on your goals and dreams. Nothing happens while you are sitting around complaining about the economy. The prizes in this new era will go to the people who are not afraid to invest in themselves and take action even when others are hiding from the world.

About the Author:

When you change your habits, actions and attitudes, your whole world will change. Set aside several minutes each day to work on your goals. Click on http://www.GlobalSuccessILG.com to learn about how to increase your income and create wealth. This site covers topics from tax strategies, to growing your business and many more. Christina Helwig is an attorney and VP of Wealth Expressions, Inc.

Building Credit with Credit Cards

By Larry Van-Doren

If you have bad credit, it is important to keep up with your spending to avoid poverty. If you are searching for a low interest credit card to repair your credit, remember most cards available have high initial fees and APR. Regardless if you have filed bankruptcy, have bad credit or do not have credit at all the lenders are opening the doors inviting all to join. Since, millions of people today have filed bankruptcies the lenders are considering option to help these people get back on their feet, while others are considering options to bring the debtors further to the ground.
We live in a rich man's world, with selfish, irresponsible, undignified individuals running the show. Therefore, if you are looking to build your credit with credit cards then there are things you should know.

Most lenders will shut the door in your face if you have filed bankruptcy when you apply for credit cards. They may refer you to debt consolidation balance transfer credit cards lenders to help you get your feet on the ground again. Be advised that many debt consolidation programs, are like few of the card lenders and their mission is to put your under.

Many of the debt consolidation programs, like most credit cards for bad credit consumers have high interest rates and the repayments with attached fees often make it difficult for the cardholder or debtor to pay the dues.
The best answer for building credit is to save your money, by cutting back expenses. After you weed down the debts, you can then apply for a credit card. Once you have reduced your debts and waited about six months you are likely to find a credit card with lower interest rates and lower fees. The card lenders may even offer you a card with no annual fees.

If you have difficulty managing your money, you may want to ask a responsible family member to help you out. You may even want to invest a small fee into software programs with managing tools. The programs often provide a budget structure to help you maintain you cash.

On the other hand, if you must have a credit card to build your credit, then make sure you ask your self-important questions before applying. The questions should include, why do I need a credit card? Am I responsible to make the payments on time and use the card to get out of debt? What is involved with owning a credit card? Am I at risk of loosing my card, or am I responsible to put my cards in safe places?

You will also need to take into consideration that cards have Terms & Conditions. Are you knowledgably about credit cards? Do you have enough information in your databank to avoid getting taking? Do you have the ability to research and compare cards to avoid loss? Do you understand what each card offers and how it can benefit you?

Even if you find a lender that will give you a credit card, and the card comes with initial fees and high APR, it might be wise to take the offer if you can afford to. This will help you build your credit if you use the card wisely and repay your debts on time. Also, once you have held the card for six months and paid faithfully you can contact the card lender and demand or request lower APR. Therefore, you must have negotiation skills, coupled with knowledge, understanding, and many other human necessities to handle a credit card to rebuild your credit.

If you feel that credit cards are threatening then you can take steps to repair your credit without applying for a credit card; One of the best solutions for repairing credit is to save, contact your creditors asking for extensions, etc.

Finally, credit cards are nice to have, and before it is over, we are all going to need a credit card to make a purchase. Therefore, build your credit now and get the credit card you deserve later!

About the Author:

More knowledge, more power, more success when you better understand the subject ofBalance Transfer Credit Cards Time to visit us at http://www.bchighway.com/financial-planning/

Wired Plastic Visa - Review

By Dan Moskel

This is a prepaid debit card. With the Wired Plastic Visa you deposit money on your card and then you use your card to make purchases or withdraw cash.

Your card is accepted both online and over the phone. It is also accepted everywhere you see the visa logo.

Your card can be used to rent a car or make a hotel reservation. You also can sign up for free e-mail and text messaging account alerts.

A very unique benefit of this card is they have a rewards program. You will earn 1 point for every dollar spent using your card.

These points can be redeemed with participating retailers including; T-Mobile, Cingular, Verizon Wireless and more. These points can be redeemed toward your account balance, ring tones, and music downloads.

This card is issued by Bankfirst and it offers free direct deposit. There is a low $3.95 monthly fee compared to the competition which ranges from $9.95 to $19.95 a month.

Your card can also be used to write physical paper checks to pay your bills. This will eliminate your need to purchase money orders. You can also deposit money on your card through 100,000 retail locations and use pay pal or a bank account transfer.

You are guaranteed to be approved for this card. There is no chexsystems verification or credit check. It will come with a 30 day money back guarantee which can be used for any reason.

This card is very similar to a check card and checking account. If you are in chexsystems then it can save you money on check cashing fees and buying expensive money orders.

You must be a US resident and able to identify yourself in accordance to the Patriot Act to qualify. In addition you also must be 18 years or older.

In sum we do suggest the Wired Plastic prepaid visa. It is a great alternative to carrying cash.

About the Author:

For more about the Wired Plastic Card or for a review of the unsecured bad credit Tribute Card visit us.

Serious Information About Debit Cards

By Dillon Azungen

You definitely have several causes for reducing the standard credit card loan. If you are planning to buy a new house and you want it to be purchase from the loan of the bank or any other institute who provide loans to you, we know very well that the loan is only possible when you do not have any indebtedness of credit card, and reducing the credit card or keeping of the payment of the card will give you good amount of loan on a home mortgage. Even if you have your own house and do not want a loan against your credit card from the market to buy a house or for anything but still you don't want to be indebtedness of loan for the future reason or any other reason than want to decrease your credit card bill so you need to have additional disposable income.

The other good way of decreasing your credit card bill is by reducing your other monthly expenses and saving it to pay off your bills of credit card.

A spending diary should always be maintain

Lot of people they do not know that how much their spend on their expenses in the daily basis or on the monthly basis, so it is important to maintain the day to day expenses, to check out that how much money they spent in a day and then calculated the monthly expenses in this way you will come to know that which are the expenses that you are doing unnecessary and instead of doing it you can save it to pay your credit card payments.

The first thing you need to do is to find out that in which ways you are spending your money. For one week you keep record of everything you buy with checks, cash, debit card and the credit cards. You can keep this record any where like you can carry a small note pad all the time and when you spend just write it down or if you feel or you always carry your laptop you can maintain your expenses they, or in any other way it does not matter only your purpose should be maintain.

Do not wait till the end of the day to write your expenses, research has shown that when you try to write your expenses you will forget it or undervalue it. This might seem as a tension of writing all the time but this is not as much as your credit cards bill.

If you don't carry your note book you can also write or maintain it in the cell phones which is always with you. After you have written all your expenses, then go though it and tell your self that all the expenses you have done is worth while or it has been done unnecessarily and try to reduce whose expenses the next week and you will find that at the end of the month you have save money and make sure that you use that money in paying your credit card bill.

About the Author:

Focusing on latest news in eliminating high interest credit card debt, Dillon Azungen wrote especially for http://www.debtania.com . You might see his writings on eliminating high interest credit card debt and how to eliminate credit card debt here.

Chase Credit Card Application Status

By Louis Soul

There is no doubt that over the past years credit cards have become more important to people. Aside from being an effective way of obtaining credit, credit cards also make it easier for people to spend their money the right way.

One of the most popular brand names of credit cards in the market today is the Chase credit card. Accepted around the world, the Chase credit card is similar to many others. Aside from Chase credit card, the company also offers travel cards, Auto & Gas cards and student cards.

So there are a number of reasons to have a Chase credit card all of which will be of great benefit to the user over time. Probably the most used feature is its online capabilities used by workers and other people that have little time to go out shopping. Using the web site, secure of course means that managing your finances is only a few mouse clicks away.

For some people, the ease with which they can go online to manage their account is the only excuse they need to own a Chase credit card. If you are looking to save money then Chase offers waived membership fees along with other introductory deals including low APR's.

There is more than one type of Chase credit card and loyal customers can expect to be rewarded when they use the card. For those that don't fly but still want rewards then they can have a version of the Chase card that will award you points when you spend any money. These points will then enable you to purchase from a Chase credit card catalogue and they will have your chosen item shipped to right next to your doorstep! There are holidays, plus other well sought after rewards and all at no charge to you.

Chase credit cards know that if they look after their customers they won't lose them; a philosophy that many companies could learn from. Well all like our gifts but knowing that no matter where you are or what you are doing there is someone to talk to if you need them can often mean much more than material goods. You will really appreciate this if you are abroad and your card is lost or stolen because a new card will need to be sent to you as soon as possible.

If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. A no annual charge policy and if you pay your bill in full, there will not be any other interest charges to pay. Having a Chase credit card also allows the holder to earn cash rewards on purchases. If you are considering transferring your account or balance, it is easy over the internet with the secure server.

About the Author:

You welcome to visit: Mafioso Marketing Success Review plus Your guide to video marketing for more reviewed accurate information.

Take steps to protect your credit during divorce

By Mike Mastracci

When your marriage is on the slide, all too often your credit score takes a hit as well. While a divorce decree ends one type of relationship, your creditors don't want you to leave them, unless it is on their terms. You can take steps to protect your credit during divorce.

To avoid any major hits on your credit report, you need to do something pro-active to weather the financial storm on the horizon. Many financial experts say that woman suffer more in the area of finances than do their male counterparts. This is largely because even today more men are the primary credit qualifier for obtaining mortgages and credit in general. Whether male or female, without a solid credit history in your own name, you won't be able to qualify for refinancing the marital home.

When divorce hits and credit suffers, you are likely to end up with high-interest credit cards and auto loans. Here are a few suggestions to help avoid such quagmires:

. Consider tearing up all your cards.

. Do not pledge the credit of the other spouse.

Consider taking a financial or accounting class.

Try to agree on one appraiser rather than shopping for a "buyers" appraiser or a "seller's" appraiser.

Consider paying off any vehicle loans as part of any house refinancing if possible. When starting anew, the fewer debts the better. Minimizing your debt is probably a good idea regardless of one's marital status. If you are falling behind in bills, due to job loss or illness, do not avoid your creditors and try to work out arrangements. Unpaid debt, joint or individual, will be reported to the three national reporting agencies resulting in lower credit scores.

Remeber that tough economic times are generally followed by long term periods of prosperity. Don't give up hope. Hopefully, you have followed the old parental advice, to "save for a rainy day."

When couple fight, it is often about communication problems, sex or money; and for everything else, well, there is Master Card. Credit card debt is the major reason for bankruptcy filings in the United States. People often see plastic use as something different and unrelated to wealth and prosperity, often though, you can't have one without the other.

Despite the changes in bankruptcy laws in the last few years, it is still pretty easy to walk away from many individual and marital obligations.

About the Author:

If you are considering a separation and divorce, have concerns about your finances, credit and legal rights get Free Divorce and Financial Information and Resources. It is important to avoid credit problems when you are in transition. At the Divorce Without Dishonor website you can find Free Divorce and Financial Information and Resources