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ITS NOT YOUR FAULT
Have you ever heard that phrase before? I'm sure you have. It's a very friendly, comforting phrase. It makes you feel so good. It relaxes you, and makes you feel at peace. It's almost like a drug!
But it's one of the greatest lies that has ever been told. And this lie is even bigger than, "And they lived happily ever after." And even more deadly. Find out the truth about this lie. Do not take offense to this message. I'm speaking to myself also.
STORE WARS - HOW STORES MAKE YOU BUY PRODUCTS
Back in the good ole days, companies would ask the customers what they want. But nowadays it's all about behavioral psychology, neuro marketing, subliminal messages and any other tactics that can be used to get you to buy!
Today, we will get into some specific tactics that stores and supermarkets use to get you to buy their stuff, and then we will talk about what you can do to defeat them.
YOU DON'T OWN YOUR HOUSE
Ladies and Genteman. I hate to tell you this, but you don't own your house. That's even if it's paid off!
This article will get into the controversial subject of owning your own home. Find out the truth about the doctrines that are put in place not to allow you to achieve this "American Dream."
AND THEY LIVED HAPPILY EVER AFTER
IDo the good guys always win in the end. Well... certainly in the movies. That's why they are so great to watch right?
Entertainment obviously doesn't owe us the truth! But, today we will get into how we are being held hostage and held back by programming from "Holly Wood."
SAVING MONEY FOR COLLEGE
In my last article, I spoke on ways that you can educate your child on personal finance so that they can grow to be wealthy.
This month, I will explore ways that you can save money for your childs college education. Tuition costs are all out of control these days. But there are a lot of different methods that one can use to lessen the load. Consider the following information.
TEACHING KIDS ABOUT MONEY
Well... I have to admit. I just LOVE the kids!
So today, I will talk about some ways that a parent can teach their children about personal finance, so that when they get older, they will be in great shape.
MONEY AND HEALTH
I guess since this is the last day in January, it’s too late to change your New Year’s resolution. But at this point, I will give you something to consider.
If you have a health related problem to fix, you may want to turn to your finances first. Consider the following information.
SAVE MONEY AT CHRISTMAS
Yes, it's that time of year again. All that saving, frugality, money management, and everything else designed to keep you out of poverty is about to be erased, only to start over once again for the new year.
Ladies and gentlemen, it doesn't have to be this way. Check out this newsletter and learn how to save money this Chritmas and Christmases to come.
THE TRUTH ABOUT LEBRON JAMES
Now wait a minute. What in the world is Lebron James doing on a personal finance website? And what does Lebron james have to do with anything?
Well, the answer could be absolutely nothing. But then again, it could be everything. Would you like to know? Stay tuned.
HOW TO DEVELOP GOOD FINANCIAL HABITS
Everybody (or at least most people) know what good financial habits are. So there is no reason to constanty go over the same financial tips (cut up credit cards, don't spend more than you earn, used coupons etc.)
But even though most people know what good financial habits are, they often fall back on bad ones. Now why is that? And what can be done about it? This article will get into some ways that you can develop good financial habits.
WHAT IS THE BEST INVESTMENT?
Since the economy is (or supposedly is) so bad, people are looking for something secure to invest in to help ensure their financial success.
So what is the best investment? What is the one thing that you can invest in that will guarantee financial indpendence for you and your family?
HOW TO RECOVER FROM IDENTITY THEFT
In the past, I featured an article on preventing identity theft. Now, that is fine and dandy if it hasn't happened. But what do you do if your identity does or has already been stolen?
The following is a comprehensive guide to helping you after you realize your identity has been stolen.
FINDING A FINANCIAL PLANNER
I have always maintained that the truth of the matter is, people in most cases don't NEED a financial planner. It is not that hard to spend less than what you make and educate yourself on what to do with the rest. But I realize that in some situations, people may want (or feel comfortable with) a little guidance.
But if so, how do you go about finding the right help? Consider the following.
ARE YOU IN A RECESSION?
Today I would like to talk about something that we have all heard about. The Big Recession (some say we are still in it, some say that we aren't)! You see, the economy is really terrible right now, and a lot of people have been affected by it. As a matter of fact, the people who haven't been affected by it are affected by it!
What do I mean by this and what can you do about it?
WHAT IF YOU CAN'T RETIRE?!
Most of the information regarding personal finance is focused on what to do so that you can retire and not have to work. But what if you are already at the age of retirement and you can stop working? Consider the following info.
FINANCIAL LITERACY FOR KIDS
One of the largest financial investments that a person can make is not one of monetary value, but the investment in their children's knowledge money.
Not only can it pay off for people personally, but more importantly it can lead to a family legacy. Consider the following info.
TIPS ON SAVING GAS MONEY
Alright, today I would like to speak on something near and dear to all of our hearts, and that is saving money on gas!
Now... C'mon yall. Wouldn't it be nice to save some of that money and put it towards something else? Consider the following Material.
PROACTIVE FINANCE 101
Check out the following definitions from Allwords.com
Acting in advance to deal with an expected difficulty; anticipatory.
Reacting to the past rather than anticipating the future, not predictive.
Which one are you when it comes to personal finance? Consider the following information.
ROMANCE WITHOUT FINANCE IS A NUISANCE?!
Back in April of 08, I did an article called No Romance Without Finance. In that article, setting up a gameplan for couples was discuss along with some very valuable nuggets on credit for men and women involved in marriage. But that may have been putting the cart before the horse. What is the main obstacle that stops couples from doing the aformentioned?
Consider the following material.
WHAT IS YOUR TIME WORTH?!
Back in May of 08, I did an article called The Rule of 72. In this article I discussed how compound interest can make banks rich! The moral of this story was that rather than giving somebody ELSE your money and letting them make a killing with it and give you the rest, you can cut out the middle man, and make that money yourself.
So now we will talk about giving somebody else your time. Consider the following material.
BANKRUPTCY, FORECLOSURE... SO WHAT?!
Are you up to your eyeballs in debt? Are you about to lose your home? Have you considered bankruptcy? Do you know of anyone who is considering or who has already filed bankruptcy or had a foreclosure? The following information could be vital.
Obviously filling bankruptcy can hurt your financial future, but how much?
THE DANGER OF FRUGALITY
A while back, I did an article entitled Does Living Frugal Constitute Vanity? In this article, I went on to blast those who promote the idea that somehow being frugal meant not living life to the fullest and trying to hoard money.
Well, like I've done in the past, today I will completely shift gears and do a 180 degree turn. Yes, frugality is good. But how frugal should one be?
Consider the following material.
TO RENT OR TO BUY. THAT IS THE QUESTION
To those who subscribe to the Free Your Mind Online E-zine, you are certainly familiar with the very first article that you received once you subscribed. This article was The Conspiracy of Home Loanership. A lot of people have gotten the idea that I am against buying a home. But this is really not the case.
But when should you buy? And... If you have boughtâ€¦ should you keep?
Consider the following material.
OH NO... NOT AGAIN! FULFILLING YOUR NEW YEARS RESOLUTION
Here we are, at the end of the year. AGAIN! Now... it's time for our annual New Year's resolutions. You know... the ones that many people do every single year that never work? Yep, those.
Consider the following material on how to make this year different and much more prosperous than the last.
TURN UP THE HEAT, TURN DOWN THE METER
I don't know about you, but it's getting chilly around my way. So let's talk about some ways to stay warm and still keep our energy bills down!
Consider the following material.
YOU CAN'T TAKE IT ALL WITH YOU
"The one who dies with the most money is still dead."
"What profit a man to gain the whole world and lose his soul?" Today, many of us have gotten so caught up in trying to be rich that we have forgotten about the more important things in life. You have to live life to the fullest while you are here, because after all, you can't take it with you.
Consider the following material. Things are not always what they seem.
HOW CAN YOU IMPROVE YOUR CREDIT?
A while back I did an article on whether or not a person's credit score is important. In that article, the reasons where given as to why credit is important (even if you don't plan on taking out any new debts). So the next issue is an obvious one. How can you improve your score? Consider the following material.
LET THE SNOW MELT
The question has been asked many times, "Which is better. Debt Snowball or Debt Avalanche?" I have seen some heated debates on this, and that in itself I find interesting. So today I will do a newsletter on which one of these "magic" plans will work the best. And in the end, I will show you a revolutionary method that will beat both, and subsequently end all of the controversy.
WILL THAT BE NEW OR USED?
Are you considering buying a new car? Are you considering buying a used car? Do you already have a new or used car and are completely happy with what your "vehicle(s) situation" is?
Well whatever the case may be, I think that you may want to consider the following article. That is, unless you have money to burn!
SUMMERIZING YOUR HOME
1. To prepare a summary of something.
1. To prepare ones living space to be more cost effective during scorching hot summer months.
Today I would like to talk about the second definition. Yes, I know that summer has been here for a while, but these next couple of months will be the hottest yet. Want to save some money? Consider the following.
WHAT'S LOVE GOT TO DO WITH IT?
You may read the title of this and think that this newsletter will focus on money and relationships. You may also think that this newsletter will be a tribute to Tina Turner. Well... that's not where I'm trying to go with this, but I do want to talk about love and money. Why? Love is one of the most important elements that determine a personâ€™s financial picture! Most of the time love is not addressed when dealing with money. Today I will address it. I urge everyone to consider the following material.
DO YOU REALLY NEED GOOD CREDIT?
"Tired of being left out. Raise Your Credit Score and get approved for THE THINGS YOU DESERVE!"
Nothing is more pleasant to the ears than to hear someone tell you that you "deserve" something. But ladies and gentlemen... do you really deserve something that you can't afford? What happened to the good ole days when a person could choose not to buy something they didn't have cash for? Well, the truth is that for the most part (for those who have discipline) those days are still here!
So, does credit even matter? After all, you only need credit when you are about to borrow money, right? Consider the following material. Times have REALLY changed.
HOW TO GO BROKE
In the past I have spoken on things like how to become financially independent. But today, I will talk about How to be broke! Why? Well, itâ€™s very simple. There are some people who learn by being taught how to do something, and there are others who learn by seeing what NOT to do. So read through the following material carefully, and you may see yourself in it.
IT'S DEBT SEASON!
Oh Yes! It is getting around about that time. What time am I talking about? Debt Season. You can also call it the Holiday Season Hangover. Right now people are sitting back and looking at their debt and how long it will take them to get out.
But this problem is bigger than just us little ole consumers. This whole country is struggling. How bad is the problem? I would urge everybody to consider this material. We will talk about the debt problem, and then we will talk about some debt solutions.
DO YOU NEED A FINANCIAL EXPERT?
A lot of people out there may be interested in hiring someone to do their finances for them, but they are not sure which way to turn. Then there are others who are not in the least bit looking toward getting any financial help.
Either way, I would urge everybody to consider this material, because I think that this has an important message that pinpoints one of the underlining issues on why people may need financial assistance in the first place.
SECRETS OF THE BANKING INDUSTRY
In the past I have talked about the Financial Services Industry and the Federal Reserve Bank, and how they effect the economy and your own personal finance. But even on a small scale, banks have adopted some pretty "shady" tactics that consumers need to be aware of.
I urge everyone to consider this material, as it contains some vital information that you may need to know.
WANNA BE BROKE? DO A BUDGET!
Today I would like to discuss the controversial subject known as budgeting. Most, if not all of financial experts will tell you that you must have one to succeed. This seems like a no brainer, but if it is that easy, then why is it that nobody does them?
Is it because people are just lazy? Is it because they have no discipline? Do Budgets even work?!! Consider the following material. Things are not always as they seem.
IRA - INDIVIDUAL RIPOFF ACCOUNT
Have you heard this before? Save money on your taxes by putting as much money as possible in a "Qualified plan" or a "Tax Sheltered" account, like a traditional IRA. Never pay taxes on money you don't plan to spend. Keep that money from Uncle Sam and let the money grow tax free.
Is this really true? Come explore with me today the truth about IRAs that you may not know. Things are not always as they seem.
Today I would like to cover the subject of life insurance. There are many types of life insurances out there. Which type should you get? Should you get any? If so, how much? And last but not least, what is the red pill question? Consider the following material.
WILL THAT BE CREDIT OR DEBIT?
First came the evil credit card! It lured us into debt and ruined our lives. It offered us a quick fix. Buy now and pay later. Its convenience spoiled us (no one wants to carry around cash all the time). Its debt drowned us.
Now the debit card has come to save us. It offers us the convenience of the credit card, while keeping us within our means. The best of both worlds right? Consider the following material. Things are not always as they seem.
HOW TO DEFEAT THE MIDDLE CLASS MATRIX
Every since I released the newsletter The Middle Class Matrix, thousands and thousands of people have approached me (ok, maybe two or three) and asked, Ok, well How do you get out of this Matrix?!
Today, this is what I want to write about. If you are in your first three months of subscribership you may not have read The Middle Class Matrix. You can read it HERE. It is a prerequisite to studying the following article.
Now, after you've looked into it, then consider the following material.
THE RULE OF 72
AH YES, the Rule of 72. A lot of people have "heard" about it. Some people "know" what it is. Fewer people "understand" what it is. But most importantly only the elite ever get to "apply" it for their benefit.
Whatever category you "think" you are in, you may want to pay attention. I will present this in a way that it has never been presented before.
NO ROMANCE WITHOUT FINANCE
Today I would like to explore the subject of marriage and/or relationships. If you are married, thinking about getting married, know someone who is about to get married, or you are a woman, then this newsletter may be for you? or them.
SHOULD YOU PAY YOUR HOUSE OFF EARLY?
In my last article, I ended by saying that I don't believe in paying your house off early. Today I will explain why I think what I think. Yes, we all know debt is a terrible thing! So shouldn't it make sense that we should want to pay our houses off?
I urge you to consider this material. Things are not always what they seem.
FINANCIAL FREEDOM BOULEVARD
Ok... Allow me to step off of conspiracy island for a few moments and get into some basic principles about finance. Pretty much everybody on the planet knows that in order to reach financial independence, you have to get rid of debt, save your money, and invest your money. But very seldom are we told the order in which to do so.
Should you save your money first, get rid of debt first, or invest right away? Today I will give you the specific steps, start to finish, that I believe are the best ways to achieve stability.
THE MIDDLE CLASS MATRIX
"Let me tell you why you are here. You're here because you know something. What you know you can't explain, but you feel it. You've felt it your entire life. There's something wrong with the world. You don't know what it is, but it's there, like a splinter in your mind, driving you M.A.D.. It is this feeling that brought you to me. Do you know what I'm talking about?"
"The Middle Class Matrix?"
"Do you want to know what... it... issss?"
IDENTITY THEFT. CAN YOU STOP IT?
Identity Theft is the fastest growing crime in America. There have been thousands and thousands of companies popping up offering a solution or a remedy to the problem, yet the problem still exists.
Some say that you can't stop it, and that you can only monitor your identity and catch it as soon as it happens. There are others who claim that they can stop it completely, even to the point of offering assurances. What is true and what is false? Consider the following material.
ARE YOU CURSED IF YOU DON'T TITHE?
"Will a man rob God? Yet YOU have robbed Me! But you say, "In what way have we robbed You?" In tithes and offerings."
There are those who are not religious and don't tithe, and therefore may chose to sit this one out. But I do urge all to consider this material, because it shows how institutionalized ideologies can affect our way of life. Though we have all been told something all our lives, things are not always what they seem.
THE ULTIMATE YELLOW BRICK IS GOLD
I would like to start this session off by making a couple of obvious, yet profound statements.
#1. In order to be wealthy (at least from a material perspective), one must have a lot of money.
#2. In order to have a lot of money, one must actually know what money is!!
Unfortunately, the majority of the population has no idea what real money is, where it came from and the history behind it, and therefore they have little chance of ever achieving wealth and/or security. But even though most of us don't know, you can best believe that "they" know.
Who is they?
Today, we will explore one of the most controversial topics on the planet: The dreaded "Income" Tax. Every year around tax time, we are coincidentally reminded of those celebrities and big names who have been taken down due to tax evasion. Yet simultaneously, there are those who don't pay income tax and flaunt it! (even going as far as offering an award to anyone who can find a law that requires them to do so).
Amongst all of the madness, there is a lot of misinformation out there in the tax protestor movement. One of those is that income tax is unconstitutional. Consider the following material before making a decision about what you "think" about the income tax. Things are not always what they seem.
THE CONSPIRACY OF HOME LOANERSHIP
"Stop making your landlord rich. Start investing in you. Purchase a home and build real wealth for you and your family."
Yes, we've all heard it before. It is a fact that the majority of American's house is their biggest investment. However, it is also fact that the majority of Americans are strapped. I urge you to be prudent and consider the following before you take the plunge. Things are not always what they seem.
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