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.

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Did you know that you can make a fortune buying and selling gold coins? Times are better than ever to diversity to gold coins.

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Originally posted 2008-07-22 19:42:13. Republished by Blog Post Promoter

Technorati Tags: Credit, debit

• How To Stop Identity Theft - The Real Deal 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......
• 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......
• Proactive Finance 101 Check out the following definitions from Allwords.com Proactive Acting in advance to deal with an expected difficulty; anticipatory. Reactive Reacting to the past rather than anticipating the future, not predictive. Which one are you when it comes to money?  Consider the following material _________________________________________________ Your credit score can have......
• Tips For Saving Gas Ladies and Gentlemen.  Today I would like to talk about something near and dear to all of our hearts,  and that is saving money on gas! Wouldn't it be nice to save that money and put it towards something else?  Consider the following Material. _________________________________________________ Speaking of saving money. ......
• How To Achieve Your New Years Resolution Well... Here we are again, at the end of the year. So you know what time it is right? 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. ENTER HERE......

• Identity theft protection and update on Massive Identity theft story Sunbeltblog has another update related to their earlier story about the massive identity theft ring. In this story they make clear that the keylogger was NOT directly related to coolwebsearch. It was apparently seperate and independant it was discovered during a coolwebsearch infestation, but appears unrelated. They also detail suggestions......
• Why You Should Avoid Medical Credit Cards It is easy to get tempted by a medical credit card. Your doctor or dentist offers you this card as a way to pay for the pricey out-of-pocket costs of getting health care services. They automatically bill the card so that you don’t have to pay a co-pay fee on......
• Limited Invites for Free Credit Monitoring From Credit Karma There are two ingredients to a great credit score: diligence and luck. The first you can control. The later you can't. I have to say that I've been blessed with good luck in being able to keep the unexpected expenses away as well as not having my identity stolen. Those......
• Are You Managing Your Debt Correctly? Although debt is a dirty word to many, the fact of the matter is that the vast majority of us are in debt in some way or another. No matter how hard we try, there are times when you simply need something and cannot afford to pay for it straight......
• How Do Credit Cards Work? Credit cards were created out of a situation that many have previously encountered. Frank McNamara was out taking a couple colleagues out for dinner in 1949 and, when he went to pay, to his dismay found that he had no cash in his wallet. After an embarrassing display that involved......

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 really means! 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.

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Is your home about to go into foreclosure? Learn how to stop foreclosure and save your credit!

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Originally posted 2008-05-20 19:22:26. Republished by Blog Post Promoter

Technorati Tags: money, Retirement, rule of 72, wealth

• Victory Tax Today, we will explore one of the most controversial topics on the planet: The 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......
• Money Is The Root of All Evil? Does the Frugal Living or Lifestyle constitute vanity?  Shouldn't we be trying to live our lives to the fullest while we can?  Does it make sense to spend your whole life trying to penny pinch and save money here and there?  Today I will discuss this apparently "controversial" topic. ......
• Tips For Purchasing a Car Are you thinking of buying a used car?  Are you thinking of buying a new car?  Do you already have a car and are completely happy with what your "vehicle(s) situation" is? Well whatever the case may be, you may want to consider the following material.  Unless you have......
• 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.  Well, that is an incorrect thought.  You may also think that this is a tribute to Tina Turner.  That would be wrong again.  But I do want to talk about love......
• 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......

• The Future of Retirement One of the goals that almost everyone working shares is a desire to eventually stop working; there are very few people who want to keep up their jobs for the rest of their life.  (There are some exceptions, of course; Hugh Hefner being one that instantly comes to mind.)  Retirement......
• What is the Right Age to Buy our First Home? Good Morning Green Panda Readers.  Happy Civic Holiday to (some of) our Canadian Readers. Today we are discussing the right time to buy our first home.  Homeownership is definitely a privilege and not a right.  Not everyone can afford to buy a home, and not everyone is responsible enough......
• Network Marketing - The Prospecting Game Who Is Right For Your Network Marketing Business? [/caption] Just this past weekend my friend held his team meeting in his basement.  I brought him into my network marketing business because I already knew that he would really like the product.  His topic was "know who your prospects are". We......
• Smart Credit Card Debt Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be......
• Recession Not Through With Us Yet While it may seem that the nation's economy is taking a turn for the better and strides toward the positive are being made, the recession times we have been experiencing are not exactly over. With so many people starting to regain confidence in their personal finances again with just the......

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?

Yes!

ENTER HERE

The above quotes and concept come from the movie The Matrix

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Looking To Defeat the Matrix. Go here for resources.

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Originally posted 2008-01-12 18:43:48. Republished by Blog Post Promoter

Technorati Tags: Credit, Debt, marriage and money, middle class, middle class rut, Relationships

• 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......
• 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 do I want to talk about this? It’s very simple. There are some people who learn by being taught how to do something, and......
• 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. Well my goodness! I certainly don't want to be guilty of Robbing the Creator! But What does the Bible say about Tithing? There are those......
• Best ways to pay down debt quickly This question has been asked so many times, "Which is better, Debt Snowball or Debt Avalanche?" I have seen some heated debates on this, and that by itself I find really interesting.  So to put an end to all of the controversy, I will do a newsletter on which......
• The Personal Finance Checklist 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 save money, get rid of debt, and invest wisely. But very......

• Investment Landscaping with Perennials When you plant a flower, you are making an investment into the future. Certain plants will work well with others, and some will require completely different ground nutrients. So when it comes to planting new flowers, it is like putting money into a savings account or stocks. Play it smart.......
• The Most Important Economic Initiative for the Middle Class? Personal Finance Education This is the Mr. ToughMoneyLove contribution to the synchroblog project in which nine personal finance bloggers are simultaneously answering this question:  What is the most important initiative that the next administration should undertake to improve the economic health of the U.S. middle class? The concept that permeates all aspects of the......
• Retirement is Likely to Be Different for Generations to Come Center for a secure Retirement just released the results of a new survey titled, “Middle Income Boomers, Financial Security and the New Retirement” and the results while interesting don’t really seem all that shocking.  According to the study the key findings are (and my thoughts), Two-thirds (67%) of middle-income Boomers......
• Is a Middle Class Tax Increase on the Way? President Obama lost control over the spendulus bill, letting both the House and Senate tack on some of their favorite new social programs. More recently, the President stood by meekly as Congress stuffed the omnibus spending bill with raw pork.  His only defense was that it was "last year's business."......
• Cashing In Early on the African Gold Rush With all the global investment attention on China, India and Latin America, now's a good time to research African equities and African ETFs for your frontier markets portfolio. Most people still think of Africa's wealth in terms of its natural resources - gold, diamonds, oil.  This is true, but the......

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.

ENTER HERE

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The following website will teach you every thing that you need to know about investing in gold. You can start of with small amounts of money. You don’t have to be wealthy.

ENTER HERE

Originally posted 2008-11-25 23:29:30. Republished by Blog Post Promoter

Technorati Tags: banking industry, cash, Debt, money, scams

• 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. Well my goodness! I certainly don't want to be guilty of Robbing the Creator! But What does the Bible say about Tithing? There are those......
• 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......
• 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.  Well, that is an incorrect thought.  You may also think that this is a tribute to Tina Turner.  That would be wrong again.  But I do want to talk about love......
• How The Federal Reserve Controls The Money Supply 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......
• Tips For Purchasing a Car Are you thinking of buying a used car?  Are you thinking of buying a new car?  Do you already have a car and are completely happy with what your "vehicle(s) situation" is? Well whatever the case may be, you may want to consider the following material.  Unless you have......

• Review: The Motley Fool’s You Have More Than You Think By David and Tom Gardener For many people, the ability to invest is a pie in the sky dream that will never be achieved, due to the fact that they may not believe they have “enough” money to invest. This book promises to allay those fears and help readers get a better view on personal......
• Budgeting For Your Wedding There is no other way that this can be said: Weddings can be really expensive! Of course, when you think about it, there are different degrees of expensive, and it is important for you to figure out where you and your significant other fit in on this scale. For some......
• Debt Consolidation Tips If you're swimming in a sea of debt and trying to figure out how to keep your head above the water, one of the easiest ways is to consolidate. However, the actual process of consolidation can be confusing and it is all too easy to make mistakes that will end......
• The Ultimate Guide to Plumbing By Merle Henkenius If you’ve always wanted to be able to handle the various plumbing projects that pop up around your house, this is a book that is a definite must have. Plumbers can be expensive, and in an emergency, they may not be easy to reach. Once you’ve read this book, you......
• Review: Good Calories Bad Calories by Gary Taubes Good Calories, Bad Calories took the author five years to write, and it contains some groundbreaking information that will undoubtedly be the cause of much controversy. Whether or not you agree with Taubes assertions, the book is certainly well worth the read and it is obvious that he did put......

Today I would like to talk about romance, relationships and money. So if you are in a relationship and are serious, OR you know someone who is, you may want to check this out and relay the message

ENTER HERE

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New to investing? Check out this automatic software. It can do the work for you!

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Originally posted 2008-04-15 19:18:52. Republished by Blog Post Promoter

Technorati Tags: Credit, finance, marriage and money, money and marriage, personal finance, relationship

• 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,......
• How The Federal Reserve Controls The Money Supply 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 Is The Best Investment? Copyright (c) 123RF Stock Photos Yep, the economy is jacked up right now (or so we are told).  So people are now looking for the most secure investments for their financial future. So, what is the best investment?  What is the one thing that you can invest in and......
• 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......
• The Personal Finance Checklist 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 save money, get rid of debt, and invest wisely. But very......

• My Family's Cash Flow Chart The other day I was speaking with a buddy the other day and he was asking about how The Wife and I handle our cash flow.  Actually he was making fun of the complexity of it.  I figured I should prove him wrong and actually create a flow chart rather......
• Tips for Online Shopping and Rare Coins Anyone living in an area with few coin shops understands how difficult it can be to find the different coins that they are interested in. These different coin shops simply do not have the rare coins that serious coin collectors are looking for, making it difficult for them to continue......
• The Secret to a Successful Budget: Book Review [Khaleef here] Recently Craig Ford of Money Help For Christians released a book about creating a budget called, "The Secret to a Successful Budget". Being such a huge fan of Craig's writing, I assumed that the book would be excellent as well. Therefore, I wanted to be able to read......
• How to End Paycheck Reliance There are numerous ways to end paycheck reliance in your life, however some are obviously more feasible than others in terms of implementation. For example, winning the lottery is an excellent way to overcome your reliance on a paycheck to paycheck way of living, but how much can you really......
• The Many Flavors of Loans Money can be lent to those in need, at a reasonable rate, from a pool of money that comes from investors and savers. When the lending institution provides money for consumers to borrow, either secured or unsecured, the practice is known as providing a consumer loan. These loans do not......

Last month we discussed ways to teach children personal finance.  This month I will take it a step further and talk about some ways that can aid you in paying for your kids college education.

Tuition costs are getting out of control these days.  So if you have or know someone who has kids, then you will want to check this out.

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Visit the FYMO Ebook Store and check out a variety of self improvement e-books on a lot of different topics.  And the price is always right!

If you enjoyed the above article, feel free to promulgate it below.

Technorati Tags: 529 plan, college savings, Coverdell ESA, financial aid, HOPE Scholarship, Lifetime Learning Credit, Registered Education Savings Plans, Roth IRA, tax credits, Uniform Gifts to Minors Act

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.

ENTER HERE

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Raise Your Credit Score up to 249 Points using these “secrets”

ENTER HERE

Originally posted 2007-11-03 17:44:33. Republished by Blog Post Promoter

Technorati Tags: Credit, Debt, home buying, invest, wealth

• 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......
• How The Federal Reserve Controls The Money Supply 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......
• Frugality is Dangerous! A while back, I wrote an article admonishing those who had the idea that being frugal somehow meant not living life to the fullest and hoarding money.  Today, I would like to talk about the "Other Side" of Frugality.  You see, frugality is a beautiful thing, but it can......
• 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......
• 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......

• Strategic Defaults: I Hate to Say 'I Told You So' but... I'm not much for saying "I told you so" regarding my trends that will influence the markets in 2010, but this story of a young professional getting a free bachelor pad in the gorgeous sunshine state of Florida for 28 months (and counting) is just too newsworthy to pass up.......
• Lending Club Advanced Search or Investment Credit Filters I started a similar topic at the P2P No Bank Forum on this subject: Lending Club Advanced Search or Investment Credit Filters However I wanted to post here as well...  My money has not yet cleared into Lending Club, so I have been using the site and trying to find......
• What Is Your Work From Home Investment? One of the first questions I get asked all the time is what is it going to cost me to work from home? First don't think of it as a cost rather think of it as an investment. The best thing you can invest in right now is yourself.  To......
• Top 10 Financial Moves I Ever Made When I entered the real world, their were no personal finance or investing related blogs.  This forced me to rely on limited advice I received from others or I had to figure things out on my own.  Some things worked, and some things just blew up in my face.  In......
• How Much Do I Need To Retire? The following post is from Todd Tresidder. Todd retired at age 35, publishes the FinancialMentor blog, and lives in Reno, Nevada, with his wife and two children. His ebook, “How Much is Enough to Retire?” reveals the problems behind retirement calculators and explains the solutions he created to plan 60+......

We here at Free Your Mind Online just love the kids!!

Therefore, today we are going to get into some more ways that the parents out there can give their children the head start and the jump start that they need in order to achieve financial success later on in life.

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Learn how to raise your credit score hundreds of points by using these credit secrets!

If you enjoyed the above article, feel free to promulgate it below.

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.

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Visit the FYMO Resource Center and find a wide array of resources that can help you improve your life!

If you enjoyed the above article, feel free to promulgate it below.

Technorati Tags: disease, health, money, obesity, poor, rich, stress, stressed

Well ladies and gentlemen.  It is getting close to Christmas.  So it is now approaching the time when all of that diligent retirement saving that you have done all year long is about to go “down the chimney.”

So tune in to this episode and maybe I can help save as much of your money as possible now AND after the holidays.

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Are you looking to take control of your personal finance situation?  Check out this simple easy to use personal finance spreadsheets.

If you enjoyed the above article, feel free to promulgate it below.

Technorati Tags: christmas, coupons, gifts, holidays, money management tips, Saving Money

• RoMANCE Without FiNANCE is a NuiSANCE First came No Romance Without Finance.  Now comes No Romance Without Finance Part Deux.  Previously it was discussed how to get ones finances in order in a relationship.  But sometimes getting started is difficult.  Why is that?  Communication? Consider the following material. _________________________________________________ Still Trusting in the U.S. Dollar? ......
• Bankruptcy, Foreclosure... Big Deal. 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......
• Money Is The Root of All Evil? Does the Frugal Living or Lifestyle constitute vanity?  Shouldn't we be trying to live our lives to the fullest while we can?  Does it make sense to spend your whole life trying to penny pinch and save money here and there?  Today I will discuss this apparently "controversial" topic. ......
• Identity Theft Recovery The following is the most comprehensive guide to identity theft recovery available online. If you or someone you know has had their identity stolen, pay attention to the following material, because it can help you immensely. _________________________________________________ Only $2.00?  Seriously?  With the following spreadsheets plus the bonuses, you can......
• Best ways to pay down debt quickly This question has been asked so many times, "Which is better, Debt Snowball or Debt Avalanche?" I have seen some heated debates on this, and that by itself I find really interesting.  So to put an end to all of the controversy, I will do a newsletter on which......

• Creating Value in Your Marketing Just recently I witnessed Frank Kern launch hi Core Influence Campaign, Which lead nicely into his List Control Product which if I remember correctly was like $2997, I think he sold over 1000 copies in one day.. I could be wrong but I think it's somewhere around there.  Much of......
• The Very Best Money Saving Tips Always trying to save money but somehow you always end up spending more than you save? I will try and detail my very best money saving tips for you to make use of. Saving money can be easier than many people think, but only if you go about it the......
• Mailbag: What To Teach High School Seniors? "G" writes in: I'm planning on trying to teach a short lesson on personal finance to my sister's high school students (seniors).  I'm wondering if you have ideas for an outline of what such a lesson might look like. I think it's great that you have the opportunity to educate......
• New Year's Edition of What's Cool Let's take a look at some interesting links from the past week: 1. Santa Suck This Year? Check out this Free eBook @ Studenomics. 2. The Best Personal Finance Articles of 2010 @ Free From Broke. 3. Why Your New Blog Won’t Make Any Money @ The Financial Blogger. 4.......
• Using DealTracker to Save Money Recently I wrote a post about using online promotional codes, and I found another useful site called, DealTaker.   In the original post I shared that I always go online to find a promotional code before buying anything online. It’s just common sense. If you can save money on shipping, or get a......