8/28/2014
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Sports and Money

Quotes that inspire and motivate

A list of holidays, events, and special dates in the month of August

Scholarships For College Tuition: Click here for a list of scholarships that are offered in your state.

Finance Topic of the Month: The internet has made banking and other business transactions a lot easier because.......

Investing Wisely: The decision whether to invest your monthly excess cash into savings account or paying off........

Grants For College:
Getting a college education has become very expensive. Click here for a list of grants that can help you pay your tuition costs.

Social Security: Retirement can have more than one meaning these days. It can mean that you have........

Credit and Debt: Consumers today are up to their eyeballs in debt. And many people don't realize it until their good credit.......

 

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Debt: When You Control Your Debt

When you are in the drivers seat, you can stop your debt from speeding out of control and wrecking your life.

Some people can afford to buy what they want and not have to worry about having to pay for it, but most of us don't have that luxury. Most people have to take on debt to get what they want, but they must do it with care.

To take control of your debt, whether it's good or bad, you have to make adjustments to your lifestyle while working towards the elimination of unnecessary bills and other debt. Controlling your debt is a work in progress and you have to work on it all the time.

The best thing to do is to not let yourself get in a position that you cannot handle with your bills. This is not to say that you should never acquire any kind of debt because that is unrealistic for most people. You should take on only as much debt as you are financially able to handle and you should always have a repayment plan.

  • Don't spend on things just because you want them or someone else has them, especially if you know you can't afford the expense.
  • Try to pay off any outstanding balances on your credit cards and charge only when it is necessary.
  • You don't have to be cheap but try to stay away from the most expensive items in the store. Try the middle prices. They work, too.
  • Don't let salespeople get the best of you. A salespersons's job is to sell, and a lot of them are good at doing their job. They get paid for getting you to buy a particular product and it's not up to them to determine if you can afford it. That is your responsibility.
  • Even though you cannot look into the future, try to think ahead. If you are buying a big ticket item, such as a home or a car, you are going to have a big ticket........
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    "People who continually complain about the snow in the North or the heat in the South can choose to change that. If they choose not to change their circumstances, then they elect to lose their right to complain."
    ~Rollan A. Roberts II~

     

     

    Social Security: If You Are Divorced!

    An Excerpt from the Social Security Administration Pamphlet: Understanding The Benefits

    If you are divorced, your ex-spouse may be eligible for survivors benefits on your record when you die.

    He or she must:

  • Be at least 60 years old (or 50 if disabled) and have been married to you for at least 10 years; or
  • Be any age if he or she is caring for a child who is eligible for benefits based on your work; and
  • Not be eligible for an equal or higher benefit based on his or her own work; and
  • Not be currently married, unless the remarriage occurred after age 60 or after age 50 if disabled.
  • Note: If your ex-spouse remarries after 60, he or she may be eligible for Social Security benefits based both on........

     

     

    Think Smart...

    Money saving tip of the week...

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    Books make excellent gifts...

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    Definition of the week...What is Whole Life Insurance?

     

     

    "Procrastination destroys wealth. Are you aware that by investing $100 a month beginning at age 21, odds are that you will retire wealthier than 99 percent of all Americans? How much easier can it be?"
    ~Bernard A. Unger~


     

    THE MILLIONAIRE MASTER PLAN

    Your Personalized Path to Financial Success
    By Roger James Hamilton

    The Millionaire Master Plan is a unique and fresh approach as to how individuals can not only get a sense of where they stand on the spectrum of personal wealth, but more importantly, how they can learn to ascend from their present state to a higher level.

    Roger James Hamilton, himself a highly successful entrepreneur and successful investor, has designed nine steps - from barely surviving - all the way to the highest level of ultimate wealth for life - and he lays out his nine steps in an easy-to-understand color-coded manner that ranges from red (barely living paycheck-to-paycheck) all the way to ultra-violet where generating income is simply no longer a worry).

    Along the way, the reader first takes a quick test to determine where one is on the financial spectrum, and then Hamilton provides key insights and practical tips as to how one can........

     

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