It will all be clear in a minute, but first I have to ask you...
How would you like to be debt-free in 10 days or less?
Do you ever have those days where you just don't feel like getting out of bed?
Where you feel discouraged, that your christian journey is too long, too hard, and that maybe, just maybe, this whole thing of praying and expecting answers is like the
land of OZ and it only exists in stories?
Do you ever feel like you're all alone and you just can't do it, that maybe you won't ever be able to see the answers to your prayers?
Do you ever just wonder why you try?
Doreen, one of my readers says yes, she does.
In fact this morning she woke up and just really DID NOT want to get to work.
She didn't feel like thanking God.
She didn't feel like getting out of bed.
She didn't feel like praying at all.
She started asking herself all those ugly little doubtful questions...
Then she stopped and said, "This isn't like me. This feels crappy - I do NOT like this one bit!"
So she popped open her Bible and she just started flipping through.
Before long the Holy Spirit was answering her own questions...
No she's not alone.
Of course she can do it.
Yes she deserves to be debt-free because that's where God wants her to be.
Who is she?
She's a child of the Most High God, the possessor of the heavens and the earth.
And who are you ?
You're a joint heir with Christ, who is the first born among many brethren!
Do you deserve to be debt-free? Do you deserve all the success and prosperity you desire?
YES YOU DO!
Now I know you get discouraged too - we all get discouraged - and that's why I started this email like this.
We all have those days where we just don't seem to get it together... and it feels like things will never change.
But the truth of the matter is, we have important things to do in the world - for the LORD.
YOU have important things to do in the world... that's why GOD brought you here.
To help us along the journey, God so graciously gave us His immortal Word. It works for all times and all seasons. For all peoples.
And more - He gave us His Holy Spirit ... to comfort us, help us, teach us, direct us!!!
When you feel like you are the Lone Ranger out against the world, you grab the Holy Scriptures for its words of inspiration from our father and you see the example of others who've been there before.
As soon as you open it Joseph, David, Hannah, Sarah, Jabez, Mary, Elizabeth, and dozens of others - ordinary men and women in the bible - are standing there
screaming and yelling, cheering you on, giving you the encouragement and support you need to carry on.
It's a very powerful feeling to be able to pick it up and flip through just a few pages and remember why we're alive and what we're here to do. Remember that we're here for a divine purpose, that we can fulfil it, that we HAVE to fulfil it... all by His grace and power.
You see the saints that have gone ahead of us - David, Joseph, Esther, Hannah, Abraham, plus the angels and all the others are cheering us on every minute according to the book of Hebrews 11-12.
I compiled these prayers to help get you out of debt. I'm constantly amazed at the testimonies of those who actually follow the instructions and pray the prayers.
I'm going to be offering them as an e-course in seven installments shortly.
Meanwhile, accept this 1st installment - and if you do the prayer WELL - you'll soon have an occasion to testify that God indeed still answers prayers.
When you pray these prayers well,
* You'll know you that God wants you out of debt... into abundance.
* You'll recognize divine opportunities when the Holy Spirit presents them to you.
* You'll know WHEN to take rapid action and WHEN to hold your peace.
* You'll know that God has the resources to back up ALL the promises He has ever made.
For your 1st installment, click on:
http://www.firesprings.com/debtfree1.htm
Please accept this gift and know that GOD has already given His angels charge... to get you out of debt and into abundance!
You will succeed in Jesus' name
P.S. Others have succeeded against all odds.
It's NOW your turn!
Click on:
http://www.firesprings.com/debtfree1.htm
About the Author
Prayer coach Elisha Goodman helps busy people rapidly get results - through prayer. Learn more about his two golden key secrets that get prayers answered at: http://www.firesprings.com. Check out his ebook packed with tips and strategies on how to attract a car, house, spouse or anything else you desire through prayer - almost everytime you pray at http://www.firesprings.com/prayer.htm
http://debt411.blogspot.com/atom.xml - Debt elimination programs and informative articles that give you the knowledge to correct your own credit and credit report.
Monday, August 15, 2005
Overconsumption: America's Guiding Principle by Virginia Bola, PsyD
America is a nation based on the principle of over-consumption. We entered a pristine new world bursting with natural resources, long-drained from the old countries we had left. We plundered the hidden wealth of gold, and silver, and oil. We hunted the great herds of bison close to extinction. We dammed the great rivers, bridged the bays, polluted the seacoasts, and instantly felled tress that had taken centuries to mature.
And when we had done, we looked around the world with our voracious appetite, to see what else we could get our hands on. We consume the rest of the world's natural wealth with a terrifying, rapacious attitude: oil, natural gas, timber, steel, rubber, production goods, textiles, automobiles. A major portion of the earth's resources flow into the ever-open maw of the United States.
Can we ever change direction and find a balance between development and conservation?
Diminishing our consumption is going to be painful. It means giving up our spacious SUVs for hybrids. It means adjusting our thermostats to save energy when we would rather be comfortable. It means giving up our luscious steaks and burgers for beans, and rice, and vegetables.
We don't deal well with pain (just check out the analgesic aisle at your local drugstore). We don't deal well with discomfort (that's why we love our central heating and air conditioning). We don't deal well with deprivation (that's why we carry trillions of dollars in consumer debt). We don't deal well with moderation (that's why we're obese).
Can any culture, entrenched in its traditions and beliefs, make a concerted decision to change directions?
It can. Look at the changes wrought by the Reformation, the Renaissance, the age of exploration, the industrial revolution. African culture was forever changed by colonization, India transformed under the Raj, and the great civilizations of South America absorbed and redirected by Spain and Portugal.
America has a choice: it can transform itself through its own deliberate efforts or wait for outside forces (the depletion of oil, the greenhouse effect, the rise of anarchy in starving countries, the development and transmission of ever more virulent diseases) to mandate such a change.
To manage, control, and contain such change, we need to take, individually and collectively, critical actions now.
1.Conservation.
The government is charged with managing our natural resources and enormous tracts of rich land and forests. We may pressure our representatives to protect our environment but we abdicate our personal responsibility when we rely solely on government action.
As individuals, we can take steps, usually uncomfortable and often painful, to clean up our private environment. We can trade in our gas guzzlers for small, efficient, compacts. We can recycle our containers and packages and refuse to buy anything that contains Styrofoam or other non-biodegradable materials. We can pick up the litter that clogs our highways and rivers and beaches. We can adjust the temperature in our homes and offices. We can cut our food consumption in half to allow more food for the rest of the world. We can limit ourselves to two children per couple to reduce the population explosion that threatens not only the environment but our future lifestyle. We can direct our money and our business into companies that focus on green power, efficiency, and "smaller is better" planning. We can learn to live in less space and reward contractors who build smaller, earth-friendly homes instead of wasteful mansions. WE can learn to live in harmony with our neighbors by turning off our boomboxes and incessant cellular telephones to create quiet pools of serenity.
2.Reduced Demand.
The world of commerce exists to meet the demands of consumers, that is how companies make money. To keep making more and more money, new demands must be created. That demand is cleverly generated by the advertising gurus and marketers who have created a throw-away society where everything must be constantly replaced and products just a year or two old are considered outdated and useless.
As individuals, we can fight this money-producing yet ultimately destructive current. We can keep our cars until they wear out. We can update our electronic dfevices instead of replacing them. We can go back to actually repairing things - shoes, appliances, clothes, jewelry, buildings -instead of merely throwing them away into the ever-growing refiuse dumps and oceans and replacing them. WE can develop an attitude that gives social status and personal reinforcement to those who elect NOT to keep up with the Joneses. We can impart social stigmatism to those who exhibit conspicuous consumption and disregard for the environmental rights of all. And we can set self-imposed limits on ourselves by electing not to grab everything we want and learn to focus on what we need.
3.Balance.
We are all familiar with the concept of pork barrel politics. It is an extension of our personal beliefs that we're entitled to something, even at the expense of others who want the same thing. We would all love regulations that control the actions of others that annoy us: "They should outlaw that . . . There oughta be a law . . . Why doesn't somebody stop them? . . ." However, when a law is proposed against something we enjoy, we fight tooth and nail to retain our rights and privileges.
For example, a non-golfer can make a very convincing argument that courses and country clubs are an unconscionable waste of valuable land, used only by the few who can afford to belong, which could be must more efficiently utilized for affordable housing or public parks. An avid golfer would be aghast at the thought of no more rolling greens peppered with little cups.
It's the old "not in MY backyard" way of thinking. Let's build more prisons, but not here. Let's create safe houses for the homeless and mentally ill, just not on my block. Let's build more airports to ease the congestion, but don't take off over my house. Let's build a super dump for our contaminated garbage, but not in my state.
We are willing to go along with almost anything as long as it doesn't infringe on our personal territory. We can develop a more balanced view when we realize that everything is everyone's territory. We share the same planet, the same finite resources, the same wants and needs.
When we move into such a collective mode, we can abandon our long-held territoriality and start to make collective decisions about what is most effective and logical for the most people.
The demand to share the pie equally usually comes from those who have no pie. If the person who already has the largest piece on their plate decides to put it back and share evenly with all, the meal, and the world, can be transformed.
About the Author
Virginia Bola is a licensed clinical psychologist with deep interests in Social Psychology and politics. She has performed therapeutic services for more than 20 years and has studied the effects of cultural forces and employment on the individual. The author of an interactive workbook, The Wolf at the Door: An Unemployment Survival Manual, and a monthly ezine, The Worker's Edge, she can be reached at http://drvirginiabola.blogspot.com
And when we had done, we looked around the world with our voracious appetite, to see what else we could get our hands on. We consume the rest of the world's natural wealth with a terrifying, rapacious attitude: oil, natural gas, timber, steel, rubber, production goods, textiles, automobiles. A major portion of the earth's resources flow into the ever-open maw of the United States.
Can we ever change direction and find a balance between development and conservation?
Diminishing our consumption is going to be painful. It means giving up our spacious SUVs for hybrids. It means adjusting our thermostats to save energy when we would rather be comfortable. It means giving up our luscious steaks and burgers for beans, and rice, and vegetables.
We don't deal well with pain (just check out the analgesic aisle at your local drugstore). We don't deal well with discomfort (that's why we love our central heating and air conditioning). We don't deal well with deprivation (that's why we carry trillions of dollars in consumer debt). We don't deal well with moderation (that's why we're obese).
Can any culture, entrenched in its traditions and beliefs, make a concerted decision to change directions?
It can. Look at the changes wrought by the Reformation, the Renaissance, the age of exploration, the industrial revolution. African culture was forever changed by colonization, India transformed under the Raj, and the great civilizations of South America absorbed and redirected by Spain and Portugal.
America has a choice: it can transform itself through its own deliberate efforts or wait for outside forces (the depletion of oil, the greenhouse effect, the rise of anarchy in starving countries, the development and transmission of ever more virulent diseases) to mandate such a change.
To manage, control, and contain such change, we need to take, individually and collectively, critical actions now.
1.Conservation.
The government is charged with managing our natural resources and enormous tracts of rich land and forests. We may pressure our representatives to protect our environment but we abdicate our personal responsibility when we rely solely on government action.
As individuals, we can take steps, usually uncomfortable and often painful, to clean up our private environment. We can trade in our gas guzzlers for small, efficient, compacts. We can recycle our containers and packages and refuse to buy anything that contains Styrofoam or other non-biodegradable materials. We can pick up the litter that clogs our highways and rivers and beaches. We can adjust the temperature in our homes and offices. We can cut our food consumption in half to allow more food for the rest of the world. We can limit ourselves to two children per couple to reduce the population explosion that threatens not only the environment but our future lifestyle. We can direct our money and our business into companies that focus on green power, efficiency, and "smaller is better" planning. We can learn to live in less space and reward contractors who build smaller, earth-friendly homes instead of wasteful mansions. WE can learn to live in harmony with our neighbors by turning off our boomboxes and incessant cellular telephones to create quiet pools of serenity.
2.Reduced Demand.
The world of commerce exists to meet the demands of consumers, that is how companies make money. To keep making more and more money, new demands must be created. That demand is cleverly generated by the advertising gurus and marketers who have created a throw-away society where everything must be constantly replaced and products just a year or two old are considered outdated and useless.
As individuals, we can fight this money-producing yet ultimately destructive current. We can keep our cars until they wear out. We can update our electronic dfevices instead of replacing them. We can go back to actually repairing things - shoes, appliances, clothes, jewelry, buildings -instead of merely throwing them away into the ever-growing refiuse dumps and oceans and replacing them. WE can develop an attitude that gives social status and personal reinforcement to those who elect NOT to keep up with the Joneses. We can impart social stigmatism to those who exhibit conspicuous consumption and disregard for the environmental rights of all. And we can set self-imposed limits on ourselves by electing not to grab everything we want and learn to focus on what we need.
3.Balance.
We are all familiar with the concept of pork barrel politics. It is an extension of our personal beliefs that we're entitled to something, even at the expense of others who want the same thing. We would all love regulations that control the actions of others that annoy us: "They should outlaw that . . . There oughta be a law . . . Why doesn't somebody stop them? . . ." However, when a law is proposed against something we enjoy, we fight tooth and nail to retain our rights and privileges.
For example, a non-golfer can make a very convincing argument that courses and country clubs are an unconscionable waste of valuable land, used only by the few who can afford to belong, which could be must more efficiently utilized for affordable housing or public parks. An avid golfer would be aghast at the thought of no more rolling greens peppered with little cups.
It's the old "not in MY backyard" way of thinking. Let's build more prisons, but not here. Let's create safe houses for the homeless and mentally ill, just not on my block. Let's build more airports to ease the congestion, but don't take off over my house. Let's build a super dump for our contaminated garbage, but not in my state.
We are willing to go along with almost anything as long as it doesn't infringe on our personal territory. We can develop a more balanced view when we realize that everything is everyone's territory. We share the same planet, the same finite resources, the same wants and needs.
When we move into such a collective mode, we can abandon our long-held territoriality and start to make collective decisions about what is most effective and logical for the most people.
The demand to share the pie equally usually comes from those who have no pie. If the person who already has the largest piece on their plate decides to put it back and share evenly with all, the meal, and the world, can be transformed.
About the Author
Virginia Bola is a licensed clinical psychologist with deep interests in Social Psychology and politics. She has performed therapeutic services for more than 20 years and has studied the effects of cultural forces and employment on the individual. The author of an interactive workbook, The Wolf at the Door: An Unemployment Survival Manual, and a monthly ezine, The Worker's Edge, she can be reached at http://drvirginiabola.blogspot.com
Pray off your debts - in 10 days or less by Elisha Goodman
It will all be clear in a minute, but first I have to ask you...
How would you like to be debt-free in 10 days or less?
Do you ever have those days where you just don't feel like getting out of bed?
Where you feel discouraged, that your christian journey is too long, too hard, and that maybe, just maybe, this whole thing of praying and expecting answers is like the
land of OZ and it only exists in stories?
Do you ever feel like you're all alone and you just can't do it, that maybe you won't ever be able to see the answers to your prayers?
Do you ever just wonder why you try?
Doreen, one of my readers says yes, she does.
In fact this morning she woke up and just really DID NOT want to get to work.
She didn't feel like thanking God.
She didn't feel like getting out of bed.
She didn't feel like praying at all.
She started asking herself all those ugly little doubtful questions...
Then she stopped and said, "This isn't like me. This feels crappy - I do NOT like this one bit!"
So she popped open her Bible and she just started flipping through.
Before long the Holy Spirit was answering her own questions...
No she's not alone.
Of course she can do it.
Yes she deserves to be debt-free because that's where God wants her to be.
Who is she?
She's a child of the Most High God, the possessor of the heavens and the earth.
And who are you ?
You're a joint heir with Christ, who is the first born among many brethren!
Do you deserve to be debt-free? Do you deserve all the success and prosperity you desire?
YES YOU DO!
Now I know you get discouraged too - we all get discouraged - and that's why I started this email like this.
We all have those days where we just don't seem to get it together... and it feels like things will never change.
But the truth of the matter is, we have important things to do in the world - for the LORD.
YOU have important things to do in the world... that's why GOD brought you here.
To help us along the journey, God so graciously gave us His immortal Word. It works for all times and all seasons. For all peoples.
And more - He gave us His Holy Spirit ... to comfort us, help us, teach us, direct us!!!
When you feel like you are the Lone Ranger out against the world, you grab the Holy Scriptures for its words of inspiration from our father and you see the example of others who've been there before.
As soon as you open it Joseph, David, Hannah, Sarah, Jabez, Mary, Elizabeth, and dozens of others - ordinary men and women in the bible - are standing there
screaming and yelling, cheering you on, giving you the encouragement and support you need to carry on.
It's a very powerful feeling to be able to pick it up and flip through just a few pages and remember why we're alive and what we're here to do. Remember that we're here for a divine purpose, that we can fulfil it, that we HAVE to fulfil it... all by His grace and power.
You see the saints that have gone ahead of us - David, Joseph, Esther, Hannah, Abraham, plus the angels and all the others are cheering us on every minute according to the book of Hebrews 11-12.
I compiled these prayers to help get you out of debt. I'm constantly amazed at the testimonies of those who actually follow the instructions and pray the prayers.
I'm going to be offering them as an e-course in seven installments shortly.
Meanwhile, accept this 1st installment - and if you do the prayer WELL - you'll soon have an occasion to testify that God indeed still answers prayers.
When you pray these prayers well,
* You'll know you that God wants you out of debt... into abundance.
* You'll recognize divine opportunities when the Holy Spirit presents them to you.
* You'll know WHEN to take rapid action and WHEN to hold your peace.
* You'll know that God has the resources to back up ALL the promises He has ever made.
For your 1st installment, click on:
http://www.firesprings.com/debtfree1.htm
Please accept this gift and know that GOD has already given His angels charge... to get you out of debt and into abundance!
You will succeed in Jesus' name
P.S. Others have succeeded against all odds. It's NOW your turn!
Click on:
http://www.firesprings.com/debtfree1.htm
About the Author
Prayer coach Elisha Goodman helps busy people rapidly get results - through prayer. Learn more about his two golden key secrets that get prayers answered at: http://www.firesprings.com. Check out his ebook packed with tips and strategies on how to attract a car, house, spouse or anything else you desire through prayer - almost everytime you pray at http://www.firesprings.com/prayer.htm
How would you like to be debt-free in 10 days or less?
Do you ever have those days where you just don't feel like getting out of bed?
Where you feel discouraged, that your christian journey is too long, too hard, and that maybe, just maybe, this whole thing of praying and expecting answers is like the
land of OZ and it only exists in stories?
Do you ever feel like you're all alone and you just can't do it, that maybe you won't ever be able to see the answers to your prayers?
Do you ever just wonder why you try?
Doreen, one of my readers says yes, she does.
In fact this morning she woke up and just really DID NOT want to get to work.
She didn't feel like thanking God.
She didn't feel like getting out of bed.
She didn't feel like praying at all.
She started asking herself all those ugly little doubtful questions...
Then she stopped and said, "This isn't like me. This feels crappy - I do NOT like this one bit!"
So she popped open her Bible and she just started flipping through.
Before long the Holy Spirit was answering her own questions...
No she's not alone.
Of course she can do it.
Yes she deserves to be debt-free because that's where God wants her to be.
Who is she?
She's a child of the Most High God, the possessor of the heavens and the earth.
And who are you ?
You're a joint heir with Christ, who is the first born among many brethren!
Do you deserve to be debt-free? Do you deserve all the success and prosperity you desire?
YES YOU DO!
Now I know you get discouraged too - we all get discouraged - and that's why I started this email like this.
We all have those days where we just don't seem to get it together... and it feels like things will never change.
But the truth of the matter is, we have important things to do in the world - for the LORD.
YOU have important things to do in the world... that's why GOD brought you here.
To help us along the journey, God so graciously gave us His immortal Word. It works for all times and all seasons. For all peoples.
And more - He gave us His Holy Spirit ... to comfort us, help us, teach us, direct us!!!
When you feel like you are the Lone Ranger out against the world, you grab the Holy Scriptures for its words of inspiration from our father and you see the example of others who've been there before.
As soon as you open it Joseph, David, Hannah, Sarah, Jabez, Mary, Elizabeth, and dozens of others - ordinary men and women in the bible - are standing there
screaming and yelling, cheering you on, giving you the encouragement and support you need to carry on.
It's a very powerful feeling to be able to pick it up and flip through just a few pages and remember why we're alive and what we're here to do. Remember that we're here for a divine purpose, that we can fulfil it, that we HAVE to fulfil it... all by His grace and power.
You see the saints that have gone ahead of us - David, Joseph, Esther, Hannah, Abraham, plus the angels and all the others are cheering us on every minute according to the book of Hebrews 11-12.
I compiled these prayers to help get you out of debt. I'm constantly amazed at the testimonies of those who actually follow the instructions and pray the prayers.
I'm going to be offering them as an e-course in seven installments shortly.
Meanwhile, accept this 1st installment - and if you do the prayer WELL - you'll soon have an occasion to testify that God indeed still answers prayers.
When you pray these prayers well,
* You'll know you that God wants you out of debt... into abundance.
* You'll recognize divine opportunities when the Holy Spirit presents them to you.
* You'll know WHEN to take rapid action and WHEN to hold your peace.
* You'll know that God has the resources to back up ALL the promises He has ever made.
For your 1st installment, click on:
http://www.firesprings.com/debtfree1.htm
Please accept this gift and know that GOD has already given His angels charge... to get you out of debt and into abundance!
You will succeed in Jesus' name
P.S. Others have succeeded against all odds. It's NOW your turn!
Click on:
http://www.firesprings.com/debtfree1.htm
About the Author
Prayer coach Elisha Goodman helps busy people rapidly get results - through prayer. Learn more about his two golden key secrets that get prayers answered at: http://www.firesprings.com. Check out his ebook packed with tips and strategies on how to attract a car, house, spouse or anything else you desire through prayer - almost everytime you pray at http://www.firesprings.com/prayer.htm
Sunday, August 14, 2005
Debt Settlement Companies and How to Find the Right One by Jon Thomas
Debt settlement companies are available to help you reduce the amount of money that you owe to creditors as well as reduce the rate of interest and late charges that you are currently paying on your credit cards. Building credit history is crucial whether you already have debt or are just starting out managing your own finances. When it comes to financing of any kind you want to make sure that you have the best credit rating possible. This is so that when you need credit, such as a loan, that you’ll be able to qualify for the credit with little difficulty. There are several ways that you can boost your credit history so that it will be to your advantage when it comes to paying off your debt, such as consolidating a loan, or any other type of financing that you may be considering. However, if you are already deep in debt it may be almost impossible for you to qualify for any new credit until you get your current debt situation under control.
Your goal should be to establish a system of good money management so that your creditors can take notice of this when they look at your financial situation. You’ll want to make sure that you make all of your payments early or on time. Paying your debt on time includes paying your car insurance on or before the due date as well as your utility bill. Once again, your goal is to show your creditors that you can manage your finances even when you’re in debt. If you find that you have too many payments to make each month you may need to think about other ways to pay back your debt. Debt settlement companies are one method of debt reduction that you may want to consider.
Never abuse your credit. You need to learn to use your credit wisely so that you don’t run up high debt. Don’t make unnecessary purchases with your credit cards or apply for other financing that you don’t really need. It’s also important that you stay within your credit limit. When you start to spend over your credit limit you’ll soon find yourself in deep debt. And many credit companies will make you pay a penalty when you go over your credit limit. Debt settlement companies can help you learn to manage your money by assigning you to a personal debt counselor. Don’t be too quick to dismiss this idea since a counselor can help you learn to manage your money now and in the future.
A debt settlement company will help you deal with the harassment that you may be facing from your creditors by contacting them on your behalf. Debt Settlement Companies will help you avoid filing for bankruptcy by finding alternative methods of managing your debt.
http://www.debtsettlements.net
About the Author
Jon Thomas has been involved in finance and insurance, specializing in emerging growth markets since 1979. He continues to write articles concerning the public and their pressing financial concerns.
http://www.debtsettlements.net
Your goal should be to establish a system of good money management so that your creditors can take notice of this when they look at your financial situation. You’ll want to make sure that you make all of your payments early or on time. Paying your debt on time includes paying your car insurance on or before the due date as well as your utility bill. Once again, your goal is to show your creditors that you can manage your finances even when you’re in debt. If you find that you have too many payments to make each month you may need to think about other ways to pay back your debt. Debt settlement companies are one method of debt reduction that you may want to consider.
Never abuse your credit. You need to learn to use your credit wisely so that you don’t run up high debt. Don’t make unnecessary purchases with your credit cards or apply for other financing that you don’t really need. It’s also important that you stay within your credit limit. When you start to spend over your credit limit you’ll soon find yourself in deep debt. And many credit companies will make you pay a penalty when you go over your credit limit. Debt settlement companies can help you learn to manage your money by assigning you to a personal debt counselor. Don’t be too quick to dismiss this idea since a counselor can help you learn to manage your money now and in the future.
A debt settlement company will help you deal with the harassment that you may be facing from your creditors by contacting them on your behalf. Debt Settlement Companies will help you avoid filing for bankruptcy by finding alternative methods of managing your debt.
http://www.debtsettlements.net
About the Author
Jon Thomas has been involved in finance and insurance, specializing in emerging growth markets since 1979. He continues to write articles concerning the public and their pressing financial concerns.
http://www.debtsettlements.net
"Rich or Poor - Get the Knowledge" by Gary Simpson
Most people work hard all their lives only to "retire" poor then try to live off meagre savings or a small (rapidly disappearing) Government pension. They are forced to live out their twilight years struggling with constant money problems. Many of them have to buy only the cheapest food and are unable to enjoy the little pleasures of life like going to an occasional movie, eating out or taking short trips. They have to watch every cent they spend.
If only these people had saved, on a consistent basis, just a small percentage of their earnings and set it aside.
George Classon, in his marvelous book called "The Richest Man in Babylon" suggests that putting aside just "ten percent of what we earn and investing it", is enough to make for a comfortable retirement.
Let me ask you a question. Are you saving a percentage of what you earn or are you like most people who spend everything? Alarmingly, there are new statistics which suggest that most people, in fact, are spending more than what they earn. The latest studies are saying people are currently spending 104% of their income.
It sounds impossible, doesn't it? It's not! The advent of credit cards has led to spiraling debt. Multiple credit cards and "store" cards allow people to buy now and pay later. I call this "payment by the twelfth". I refer, of course to that famous Johnny Mathis song "The Twelfth of Never". Many use the "roundabout" system of using one credit card to pay for another and so on. This is a recipe for disaster.
I recommend you purchase "The Richest Man in Babylon" and study it. The information it contains can make a positive impact on the way you handle your finances. At least if you read the book and understand it you can make a conscious choice to ignore its wisdom. You are then in a position to decide whether you want to be rich or poor because you will have the knowledge.
There is no better time than right NOW to start becoming responsible with money and investing for your future. What you keep putting off today will eventually return to haunt you when you have a diminished capacity to do anything about it. In other words, the longer you leave it the more difficult it will become. You cannot work forever. Eventually, the day will come when you will either want to retire or you will be forced to retire.
Rich or poor - get the knowledge!
[If you like this article and would like to use it on your own website or ezine you may do so ONLY if the article is not changed in any way and the final paragraph: "About the author", with all links intact, is included.]
About the Author
About the author: Gary Simpson is the author of eight books covering a diverse range of subjects such as self esteem, affirmations, self defense, finance and much more. His articles appear all over the web. Gary's email address is budo@iinet.net.au. Click here to go to his Motivation & Self Esteem for Success website.
If only these people had saved, on a consistent basis, just a small percentage of their earnings and set it aside.
George Classon, in his marvelous book called "The Richest Man in Babylon" suggests that putting aside just "ten percent of what we earn and investing it", is enough to make for a comfortable retirement.
Let me ask you a question. Are you saving a percentage of what you earn or are you like most people who spend everything? Alarmingly, there are new statistics which suggest that most people, in fact, are spending more than what they earn. The latest studies are saying people are currently spending 104% of their income.
It sounds impossible, doesn't it? It's not! The advent of credit cards has led to spiraling debt. Multiple credit cards and "store" cards allow people to buy now and pay later. I call this "payment by the twelfth". I refer, of course to that famous Johnny Mathis song "The Twelfth of Never". Many use the "roundabout" system of using one credit card to pay for another and so on. This is a recipe for disaster.
I recommend you purchase "The Richest Man in Babylon" and study it. The information it contains can make a positive impact on the way you handle your finances. At least if you read the book and understand it you can make a conscious choice to ignore its wisdom. You are then in a position to decide whether you want to be rich or poor because you will have the knowledge.
There is no better time than right NOW to start becoming responsible with money and investing for your future. What you keep putting off today will eventually return to haunt you when you have a diminished capacity to do anything about it. In other words, the longer you leave it the more difficult it will become. You cannot work forever. Eventually, the day will come when you will either want to retire or you will be forced to retire.
Rich or poor - get the knowledge!
[If you like this article and would like to use it on your own website or ezine you may do so ONLY if the article is not changed in any way and the final paragraph: "About the author", with all links intact, is included.]
About the Author
About the author: Gary Simpson is the author of eight books covering a diverse range of subjects such as self esteem, affirmations, self defense, finance and much more. His articles appear all over the web. Gary's email address is budo@iinet.net.au. Click here to go to his Motivation & Self Esteem for Success website.
Bootstrap Financing Your Way to Business Success by J. Stephen Pope
Bootstrap Financing Your Way to Business Success
by J. Stephen Pope
Do you need to start or grow your business but have little money? Before you look to banks and similar sources of financing, why not bootstrap your way to business success?
A bootstrap is a small loop of leather or other material that is found on the top rear or sides of a boot. The purpose of the bootstrap is to help you pull your boot on.
In business, bootstrapping has come to mean helping oneself without seeking outside help. It means using your own resources to finance, promote, and develop your business.
Here, then, are some ways of financing your own business by using your own initiative and depending less on outside bank financing.
1. Operate a Home-Based Business
Operating your business from home could save you a fortune. First of all, you eliminate the costs of expensive commercial rent, commuting, et cetera.
As well, your business use of home expenses would be deductible for income tax purposes. Since your home is your base of operations, your travel and automotive
expenses from your home to clients would be deductible.
2. Accept Credit Cards
Rather than financing receivables and assuming the risk for bad debts, why not accept credit card payments?
For more information about accepting credit cards, visit:
http://www.yenommarketinginc.com/creditcards.html
3. Drop Ship Products
Rather than financing and stocking inventory yourself, consider drop shipping.
With drop shipping, when you make a sale you contact the manufacturer or authorized distributor who ships the product to the customer with your invoice and
shipping label. Advantages include no warehousing, shipping, or inventory costs.
For more information about drop shipping, visit
http://www.yenommarketinginc.com/dropship.html
4. Use Your Customer`s Money
Selling memberships, subscriptions, gift certificates, and coupon books are just a few ways of getting your clients to pay upfront. Obtaining advance deposits
and retainers from your customers can help finance your business operations and reduce or eliminate the need for bank financing.
5. Licensing
Instead of trying to finance the manufacturing and marketing of your invention, which could cost millions of dollars before you have your first sale, why not license it to a company with the necessary expertise and capital?
You will then receive royalties in return for your idea.
For more information about licensing, visit:
http://yenommarketinginc.com/licensing.html
6. Other Bootstrap Financing Methods
Aggressively control costs, barter, get extended terms from suppliers, establish strict credit and collection policies and procedures, rent (or lease) instead of buying equipment, buy used equipment instead of new, sell off excess inventory
and equipment, obtain free publicity instead of paying for advertising, and do whatever else is necessary to generate cashflow and profits.
In these ways and many others not listed here, you may be able to start and grow your business successfully with very limited capital. Thus, you will avoid having to obtain expensive debt or equity financing.
Many who were unable to obtain financing from any other source have successfully bootstrapped their way to business success.
For more information about financing your business,
visit: http://www.yenommarketinginc.com/financing.html
RESOURCE BOX:
J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping
clients to earn maximum business profits for over
twenty-five years.
For valuable Work at Home Small Business Ideas,
visit: http://www.yenommarketinginc.com/
About the Author
RESOURCE BOX:
J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping
clients to earn maximum business profits for over
twenty-five years.
For valuable Work at Home Small Business Ideas,
visit: http://www.yenommarketinginc.com/
by J. Stephen Pope
Do you need to start or grow your business but have little money? Before you look to banks and similar sources of financing, why not bootstrap your way to business success?
A bootstrap is a small loop of leather or other material that is found on the top rear or sides of a boot. The purpose of the bootstrap is to help you pull your boot on.
In business, bootstrapping has come to mean helping oneself without seeking outside help. It means using your own resources to finance, promote, and develop your business.
Here, then, are some ways of financing your own business by using your own initiative and depending less on outside bank financing.
1. Operate a Home-Based Business
Operating your business from home could save you a fortune. First of all, you eliminate the costs of expensive commercial rent, commuting, et cetera.
As well, your business use of home expenses would be deductible for income tax purposes. Since your home is your base of operations, your travel and automotive
expenses from your home to clients would be deductible.
2. Accept Credit Cards
Rather than financing receivables and assuming the risk for bad debts, why not accept credit card payments?
For more information about accepting credit cards, visit:
http://www.yenommarketinginc.com/creditcards.html
3. Drop Ship Products
Rather than financing and stocking inventory yourself, consider drop shipping.
With drop shipping, when you make a sale you contact the manufacturer or authorized distributor who ships the product to the customer with your invoice and
shipping label. Advantages include no warehousing, shipping, or inventory costs.
For more information about drop shipping, visit
http://www.yenommarketinginc.com/dropship.html
4. Use Your Customer`s Money
Selling memberships, subscriptions, gift certificates, and coupon books are just a few ways of getting your clients to pay upfront. Obtaining advance deposits
and retainers from your customers can help finance your business operations and reduce or eliminate the need for bank financing.
5. Licensing
Instead of trying to finance the manufacturing and marketing of your invention, which could cost millions of dollars before you have your first sale, why not license it to a company with the necessary expertise and capital?
You will then receive royalties in return for your idea.
For more information about licensing, visit:
http://yenommarketinginc.com/licensing.html
6. Other Bootstrap Financing Methods
Aggressively control costs, barter, get extended terms from suppliers, establish strict credit and collection policies and procedures, rent (or lease) instead of buying equipment, buy used equipment instead of new, sell off excess inventory
and equipment, obtain free publicity instead of paying for advertising, and do whatever else is necessary to generate cashflow and profits.
In these ways and many others not listed here, you may be able to start and grow your business successfully with very limited capital. Thus, you will avoid having to obtain expensive debt or equity financing.
Many who were unable to obtain financing from any other source have successfully bootstrapped their way to business success.
For more information about financing your business,
visit: http://www.yenommarketinginc.com/financing.html
RESOURCE BOX:
J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping
clients to earn maximum business profits for over
twenty-five years.
For valuable Work at Home Small Business Ideas,
visit: http://www.yenommarketinginc.com/
About the Author
RESOURCE BOX:
J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping
clients to earn maximum business profits for over
twenty-five years.
For valuable Work at Home Small Business Ideas,
visit: http://www.yenommarketinginc.com/
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