1/28/2012

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Do You Have An Emergency Fund?

An emergency fund is money set aside to cover unexpected costs due to unforseen events. 

An emergency can happen at any time and usually pop up when you least expect them. Emergencies often arise when you are not financially prepared to handle them. They happen without warning, quickly take over your life, and often leave you in a state of shock. The problem is that many people don't worry about emergencies until they happen and then they find themselves in a financial bind.

Emergencies can ruin you financially by causing you to drain your bank accounts. They can cause you to max out your credit cards. They can force you to take out unwanted loans on your home or other property. They can cause you to have to borrow from friends or family. They can force you to raise cash by pawning or selling your valuables. Emergencies can be devastating, but if you prepare for them before they happen, the blows may not hurt as much, especially if you have an emergency fund set aside for such unexpected events.

Most people think of emergencies as a death in the family, a bad car accident, or an unexpected illness. But emergencies can.........

 

"Mystery creates wonder and wonder is the basis of man's desire to understand."
~Neil Armstrong~

 

Lending Money To Friends And Family

If you can't afford to give your money away, you have to learn how to say "no" to family and friends when they ask for a loan.

Helping people by lending them money is a noble act, but it's not always the best thing to do. There may come a time when your money will be needed for your own benefit. That's when you have to make decisions that may not bode well with the people who feel that they are entitled to a loan from you. You should understand that there is nothing wrong with keeping your money for your own financial well being.

You may not want to be called a miser, a tightwad, a money hog, or a greedy person, but you should understand that it's not all about what other people think of you. You have to think of yourself and if keeping your money in your own pockets mean taking flack from others, keep your money with pride.

Once you start making loans to friends or family members, it makes it easier for them to come back to you time and time again when they need money. In many cases, you become..........

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"Believe in yourself! Have faith in your abilities! Without a humble but reasonable confidence in your own powers you cannot be successful or happy."
~Norman Vincent Peale~

 

BUILDING A SMALL BUSINESS THAT WARREN BUFFETT WOULD LOVE
The book that presents the same fundamentals that Warren Buffet used to turn an initial $105,000 investment into a $40 billion fortune in a way the general reader can apply.
by Adam Brownlee

Building A Small Business that Warren Buffett Would Love is a succinct, logical, and straightforward guide to financial success. Highlighting one simple message: that Warren Buffett successfully invests in great businesses with strong fundamentals, it argues that these fundamentals can be replicated in a small business to yield outstanding results. Offering a solution for people wanting to start a business to provide additional income in today's uncertain economy, and designed to help entrepreneurs build fundamentally sound, small businesses using Warren Buffett's business investment perspective, the book covers:

  • An overview of Warren Buffett's investment methodology and how it applies to small businesses
  • The details of the Buffett investment criteria—a consumer monopoly, strong earnings, low long term debt, and high ROE with the ability to reinvest earnings—and the application of these fundamentals to both start-up and existing small businesses


 

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