Wealth Building Information

I Dont Need A Financial Coach To Help Me!

You?ve been thinking that your financial life could probably be better, right? Maybe you think, ?If I could just stick to a budget everything will be fine??, or how about ?When I get that next raise or promotion, I?ll have enough money to pay off my debts and save some money?? You may even be thinking,?I can do this on my own!?

Lesson 2 - The Commodity Of Kings!

What is "The Commodity of Kings"

Who Else Wants To Know Oprahs Secrets To Wealth & Success?

Before I had a lot of money, I was really quite happy," said Oprah Winfrey. "And I will tell you this--you may not believe it--I never would have gotten the money if I wasn't happy to begin with. I never would have gotten it."

Your Money Or Your Life

Have you stopped to realize that although you go to school to learn about important subjects, no one teaches you how to manage your money? Money is an essential part of life in our pursuit of happiness, yet very rarely will a parent sit down and tech their child how to handle their money. This is true in grade school, high school and worst college. So what happens? Many of us end up in an extremely large amount of debt. We can?t seem to get it together even if we make more money. I found myself in this trap about 13 years ago. I had an okay job, a car, and an apartment. Nice I thought soon I would buy a house and live the ?American dream?. Wrong! I could never save enough to buy a house. I had plenty of credit cards, so many that I never had enough money due to many payments to put aside for my dream home. What was happening to my paychecks? Well, I was over extended in credit card debt for one. The buy now pay later syndrome was well embedded in my head. That mentality had to stop! Since, I wasn?t terribly behind in my payments I was able to get some help from the creditors. I simply asked for a lower interest rate and/or the ability to skip a payment. After that call, I had to cut up and dispose of the cards. No! I didn?t cancel my cards but I got rid of them just the same. Next I bought a tablet just for my budget information and bills. I also purchased a software program to keep track of my expenses. I think it is important to keep something manual that you can carry as well as a computer software tool. Next, as bills came in, I wrote them down with the name, address, phone number of the creditor, my total balance, interest rate, and minimum payment due, the due date, and if there were any annual fees acquired with the card. Review the card with the highest interest rate and pay more then the minimum due. Always ask if they can reduce your rate or seek the possibility of debt consolidation buy applying for a low interest rate loan or credit card. If you haven?t cut up your credit cards do not get a consolidation loan. Because most likely once your payments are manageable you?ll start using your cards again. Minimizing your spending is the key to financial freedom. Make sure to start a savings plan after you?ve gotten your debt under control.

The Wealth Connection ? 2 Steps to Brighten Your Golden Years

Estimated Reading Time: 4 minutes -- Envision your life 10 or even 20 years from now. Where do you plan to be? What are you doing and with whom?

Financial Intelligence - Compounding (The Ninth Wonder of the World)

Compounding: The Ninth Wonder of the WorldBy Nicola Cairncross

Financial Intelligence - Natural Marketing For Lone Rangers

"Ooooooh," you may say, "I could NEVER be good at marketing, I'm just not that sort of person. I'm just not pushy enough".

Business After The Iraqi War

The rewarding of high compensation packages to top executives who turned over weak quarterly earnings, or who were involved in corporate scandals, adversely affected short-term investing, and collectively contributed to the downturn of the global economy over the last couple of years. Even the help and expertise of Federal Reserve Chairman Alan Greenspan and several notable Nobel Prize winning economists in the President?s Council of Economic Advisers, wasn?t enough to revive the economy. September 11 then turned our attention towards terrorist threats against the markets.

Retirement Planning the Offshore Way

Retirement Planning the Offshore Way Why do so many of us constantly push the thought of retirement planning to the back of our minds? Reluctance?! 1 Reluctance to save for an event that seems so far off 2 Reluctance to tie in to an inflexible pension scheme 3 Reluctance to put a large portion of our current income out of reach for the long term But in terms of retirement planning, putting off until tomorrow that which you could get done today will end up costing you very dearly. Every month you delay your retirement savings planning, you significantly reduce the value of your future potential retirement fund.

Who Will Become Wealthy in the Information Age?

As you know, we're now well and truly in theInformation Age. It began about 10 years ago. In fact,many economists say it began in 1989, with the Fall ofthe Berlin Wall (and the start of the World Wide Web).

Simple Strategies to Making Financial Gain

Now is a great time to make it a habit to manage your resources instead of your resources managing you. What is meant by that when we are stating that "Your money manages you"? Here is a well known example:

Is Your Money Keeping Up With Inflation?

In today?s unpredictable global economy, you obviously never know what is going to happen next. Uncertainties and concerns regarding the Iraqi threat, North Korean crisis, and hidden terrorist cells and networks continue to loom in the back of the minds of consumers. Moreover, the stock markets and industries around the world.

Turn That Fixed Rate Mortgage Into A Goldmine

When you purchased your home, you most likely got a fixed interest rate mortgage with a 15 or 30 year term. These are the most popular mortgages in the industry. Even in the summer of 2004, when the interest-only or simple interest mortgage loans became popular, the average American stuck to the fixed rate. You see, the fixed rate offers security to conservative people, and the average American home buyer and home owner is a very conservative person.

Your Wealth Cycle Foundation

The four main steps in building a wealth cycle foundation are:

Controversial Wealth Audit Reveals Over 90 Percent of Us Could End Up Working Forever...Are You One

Results from a new tool developed by UK based firm, Lean Marketing, confirm a worrying trend.

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New Pittsburgh Courier

Beyond the Rhetoric …African Americans failed at our first wealth-building opportunity
New Pittsburgh Courier
People are starting to get excited about Congress planning on a new tax structure. Included in this project is the possibility of ending the Estate Tax. This tax has been a legacy killer to many Black families. When a patriarch/matriarch passes away ...


Community Wealth Building office helping Richmonders find jobs
RICHMOND, Va. (WRIC) — For a family of four, poverty means living on $24,000 or less every year. In Richmond, a quarter of the population lives in poverty. The administration of former Mayor Dwight Jones created the Office of Community Wealth Building ...

Program Officer, Community Wealth Building (Job ID: 290807)
City Limits
OFE is seeking a highly organized and driven Program Officer to support the development and implementation of OFE's portfolio of work focused on Community Wealth Building and Neighborhood Financial Health. Reporting to the Senior Program Officer for ...


5 wealth-building habits you can start today
Real, inflation-adjusted incomes continue to stagnate. Interest rates for savers are at rock-bottom levels - with most bank and building society accounts offering returns that, when adjusted for inflation, are actually negative. And generous so-called ...

and more »


The Importance of Portfolio Diversification for Your Investments
While your income is your greatest wealth-building tool, it's certainly not your only tool. As an entrepreneur, you already know how important it is to stash away as much money as you can and invest wisely to provide a bright and promising financial ...

The Daily Freeman

RUPCO proposal for multiuse commercial building heads to Kingston Planning Board
The Daily Freeman
RUPCO says The Metro is part of its “Community Wealth Building” program. “We're taking another vacant structure and repurposing it to specifically create and capture wealth and job creation locally,” Kevin O'Connor, RUPCO's chief executive officer, has ...

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$1.9 million state grant to Richmond will provide job training for poor residents
Christopher Davis urged Richmond officials to protect an increase for the city's Office of Community Wealth Building earlier this year. NED OLIVER/TIMES-DISPATCH. prev. next. The leaders of Richmond's anti-poverty effort say they plan to use a $1.9 ...

The Daily Freeman

RUPCO pays $2M for Kingston building that will house The Metro and Stockade Works
The Daily Freeman
RUPCO, an affordable housing agency making its first foray into a project that doesn't include a residential component, says The Metro will be a “community wealth-building” endeavor that “focuses on creating jobs while producing materials and value ...

and more »

Hepburn Advocate

Five pieces of totally sensible advice for would-be home buyers
Hepburn Advocate
The other two sage suggestions – get in early with wealth building (… um, aren't we past that at this stage?) and do your homework (reading this article counts, right?) – might seem to be as applicable to the situation at hand as “wash daily” and ...

Co-operative News

Co-op model as a vehicle of transformation in local government
Co-operative News
Co-ops can be at the forefront of a local government revolution, according to new research. Last month the Co-operative Party launched a Pamphlet on Community Wealth Building, which sets out six steps to building community wealth. The publication is ...

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