Here's a quick heads up about a f-r-e-e Tele-training I know you'll want to check out. It's being offered by Jane Deuber, an incredible business strategist and coach who has helped thousands of business owners take their business to the next level.
The 2 call training is entitled "Proactive Profits - How to strategize, plan and take action for your most profitable year yet."
I've already reserved my complimentary seat on the calls and want to encourage you to do the same. Do so right away though because space is really limited.
As Jane says, to ensure success in these economic times we must commit to two important things…
1) Growing personally so we can be more effective and
joyful in business and in life.
2) Working with a proven plan that keeps us focused on
taking the steps that will create the greatest results.
Here's what you do next…
To reserve your spot on Jane's f-r-e-e Tele-Training simply click on the link below.
You'll receive the call in details right away.
Click here to reserve your spot!
We can all use some inspiration and innovative strategies for making 2009 a great year. Let me know if you'll be on the call!
Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts
Wednesday, January 14, 2009
Friday, January 9, 2009
Banking Lesson ~ Conclusion
The problem I had with my bank that I had posted about the other day has finally come to a close. I did have to make additional phone calls and I did have to complete a complaint form with the FDIC, but the ending was in my favor.
First, let me back up to the events leading to this happy ending. I spoke with a customer service representative of the bank who after not being able to answer why on their online banking site, the check in question was listed as being posted on the 26th and not the 24th as they insisted, she accused me of tampering with their online banking website. Can you imagine? I was so furious, I just hung up the phone.
Instead of faxing the complaint to the FDIC right away, I decided to fax the complaint to the VP of The Provident Bank. Of course I included the details of the accusation that I tampered with the Banks website.
Well, within 20 minutes of faxing that complaint, I received a phone call from the assistant to the VP. She apologized profusely, explained a few things that made things a bit more clear on how the bank operates as far as transactions go, but in the end, I did receive the credit I believed I deserved.
So...it helps to not give up when you believe in something. And not accept any ole answer you receive from a company. Sure this a whole mess took some time, but it was worth it.
First, let me back up to the events leading to this happy ending. I spoke with a customer service representative of the bank who after not being able to answer why on their online banking site, the check in question was listed as being posted on the 26th and not the 24th as they insisted, she accused me of tampering with their online banking website. Can you imagine? I was so furious, I just hung up the phone.
Instead of faxing the complaint to the FDIC right away, I decided to fax the complaint to the VP of The Provident Bank. Of course I included the details of the accusation that I tampered with the Banks website.
Well, within 20 minutes of faxing that complaint, I received a phone call from the assistant to the VP. She apologized profusely, explained a few things that made things a bit more clear on how the bank operates as far as transactions go, but in the end, I did receive the credit I believed I deserved.
So...it helps to not give up when you believe in something. And not accept any ole answer you receive from a company. Sure this a whole mess took some time, but it was worth it.
Sunday, January 4, 2009
Banking Lesson ~ Pay Close Attention to Your Account Details
Something I will be doing in 2009 is to watch over my bills and banking even closer than I have been. Due to identity theft last year, I pay close attention to all the details of my accounts.
I use the toll free automated account information my bank offers almost on a daily basis to make sure all is well. I guess it became a nervous habit since the identity theft situation.
On Friday I had a dispute with my bank. I knew my balance was wrong for some reason and when I called the bank, they said a 'fee' was taken out of my account because it was overdrawn when a check was presented. I knew that wasn't true, so I looked further into this situation.
Calling the bank again, I received the most ridicules response. I was told the automated system is not current for debit card use and I shouldn't depend on that for current balance information. What? Why would a bank then offer such account information? I depend on my bank to give me 'current' information. Then it was suggested that I use my ledger to keep track of my transactions. Duh...Thank you for the advice... I do, but I also have everything in my head. That is why I knew something wasn't right with my balance. I use my debit card for most of my transactions. Writing checks only about once or twice a month. And, I happen to know that debt card purchases ARE immediately taken from your account.
Anyway, not caring for the silly replies I was receiving, I spoke to a manager, who insisted I was overdrawn when a check was presented on 12/26. um...I have a deposit slip from the same day showing hundreds of dollars. How is this possible? The manager suggested I use their online banking to actually see the transactions that have posted, are pending etc..., which affect my balance.
I was a bit leary to do this due for fear of identity theft, but I thought... let me see what this manager is speaking about. It was the best thing I did! I was able to find not only one mistake, but TWO!
The check that supposedly overdrawn my account on the 26th, the bank took the fee out on 12/24...um, wait a minute. Then they took another fee out on the 26th. I couldn't believe it. The online banking was showing a positive balance on the 24th, why take out a fee? Meanwhile, looking at the deposits, I noticed they had me in arrears online on the 26th (even though there were 3 deposits on that day).I also had in my hand, a deposit slip showing a balance with hundreds of dollars from that same day.
I got in my car Saturday and headed to the bank with a print out of the online banking and my deposit slip. The woman at the bank didn't know what to say, but did offer that what they look at on their screen, is different than my online banking.
What????? Is she now saying that not only is the automated information not current, but the online banking system isn't either??? She said the check was really presented on the 24th even though it states otherwise on the online system. It really doesn't matter because there was money in my account either day. I was questioning the fees taken from me.
She couldn't put back the fees in my account until it was approved from her supervisor, who of course wasn't working that day. Now it has to wait until tomorrow.
The lesson here and my suggestion to all is to really pay attention to your account details. So what if it takes alittle extra time. There are possibilities of error. And I'd much rather have the money in my pocket than give it to companies for errors 'they' cause. Those fees removed from my account amount to over $70...Can you imagine the money that bank makes if they do this to even half their customers nationwide????
Be smart...be on top of things and don't just settle for explanations the company gives you. If something doesn't sound right or make sense, dig further until it does.
PS: The bank I'm speaking about is The Provident Bank and if they do not immediately put back those fees on Monday, I will be making a complaint with my State Banking and Insurance Department, so they can look into my banks unique practices. I have proof in black and white, so I doubt there will be any problems.
I use the toll free automated account information my bank offers almost on a daily basis to make sure all is well. I guess it became a nervous habit since the identity theft situation.
On Friday I had a dispute with my bank. I knew my balance was wrong for some reason and when I called the bank, they said a 'fee' was taken out of my account because it was overdrawn when a check was presented. I knew that wasn't true, so I looked further into this situation.
Calling the bank again, I received the most ridicules response. I was told the automated system is not current for debit card use and I shouldn't depend on that for current balance information. What? Why would a bank then offer such account information? I depend on my bank to give me 'current' information. Then it was suggested that I use my ledger to keep track of my transactions. Duh...Thank you for the advice... I do, but I also have everything in my head. That is why I knew something wasn't right with my balance. I use my debit card for most of my transactions. Writing checks only about once or twice a month. And, I happen to know that debt card purchases ARE immediately taken from your account.
Anyway, not caring for the silly replies I was receiving, I spoke to a manager, who insisted I was overdrawn when a check was presented on 12/26. um...I have a deposit slip from the same day showing hundreds of dollars. How is this possible? The manager suggested I use their online banking to actually see the transactions that have posted, are pending etc..., which affect my balance.
I was a bit leary to do this due for fear of identity theft, but I thought... let me see what this manager is speaking about. It was the best thing I did! I was able to find not only one mistake, but TWO!
The check that supposedly overdrawn my account on the 26th, the bank took the fee out on 12/24...um, wait a minute. Then they took another fee out on the 26th. I couldn't believe it. The online banking was showing a positive balance on the 24th, why take out a fee? Meanwhile, looking at the deposits, I noticed they had me in arrears online on the 26th (even though there were 3 deposits on that day).I also had in my hand, a deposit slip showing a balance with hundreds of dollars from that same day.
I got in my car Saturday and headed to the bank with a print out of the online banking and my deposit slip. The woman at the bank didn't know what to say, but did offer that what they look at on their screen, is different than my online banking.
What????? Is she now saying that not only is the automated information not current, but the online banking system isn't either??? She said the check was really presented on the 24th even though it states otherwise on the online system. It really doesn't matter because there was money in my account either day. I was questioning the fees taken from me.
She couldn't put back the fees in my account until it was approved from her supervisor, who of course wasn't working that day. Now it has to wait until tomorrow.
The lesson here and my suggestion to all is to really pay attention to your account details. So what if it takes alittle extra time. There are possibilities of error. And I'd much rather have the money in my pocket than give it to companies for errors 'they' cause. Those fees removed from my account amount to over $70...Can you imagine the money that bank makes if they do this to even half their customers nationwide????
Be smart...be on top of things and don't just settle for explanations the company gives you. If something doesn't sound right or make sense, dig further until it does.
PS: The bank I'm speaking about is The Provident Bank and if they do not immediately put back those fees on Monday, I will be making a complaint with my State Banking and Insurance Department, so they can look into my banks unique practices. I have proof in black and white, so I doubt there will be any problems.
Sunday, November 2, 2008
College Tuition Out of Control
I was at a family gathering last weekend and one thing that hasn't left my mind is a discussion that took place regarding college tuition.
Learning that my younger cousin is in debt $70,000 from college tuition just upset me. Here is someone that wanted to further his education and try to create a future for himself in a field he enjoys, but now has to start life with so much debt. I can't even imagine having that amount of debt hanging over me. He has to repay this debt at quite a substantial amount each month. How will he afford just 'living'?! buy a house or even a car?
To make matters worse, he isn't even working in the field he received his degree in. Jobs are hard to come by, especially now. Students coming right out of college are forced to take jobs that pay less or are finding it hard to even find employment.
How sad...of course this subject brought other topics to mind, but I will keep those opinions to myself.
I also wonder what will happen in years to come.How will our children be able to afford going to college? If the parents cannot afford to help with expenses, how will they do it?
The children that are just reaching high school age and for those already in their senior year and looking to
further their education...what will happen to them?
Are the teachers or professors getting a fair salary? I doubt it...who is getting all this money from college tuition?
These thoughts keep creeping in my mind...it is just so sad that our world is in this state...
Learning that my younger cousin is in debt $70,000 from college tuition just upset me. Here is someone that wanted to further his education and try to create a future for himself in a field he enjoys, but now has to start life with so much debt. I can't even imagine having that amount of debt hanging over me. He has to repay this debt at quite a substantial amount each month. How will he afford just 'living'?! buy a house or even a car?
To make matters worse, he isn't even working in the field he received his degree in. Jobs are hard to come by, especially now. Students coming right out of college are forced to take jobs that pay less or are finding it hard to even find employment.
How sad...of course this subject brought other topics to mind, but I will keep those opinions to myself.
I also wonder what will happen in years to come.How will our children be able to afford going to college? If the parents cannot afford to help with expenses, how will they do it?
The children that are just reaching high school age and for those already in their senior year and looking to
further their education...what will happen to them?
Are the teachers or professors getting a fair salary? I doubt it...who is getting all this money from college tuition?
These thoughts keep creeping in my mind...it is just so sad that our world is in this state...
Thursday, August 21, 2008
Have You Heard?
If you are interested in making some additional money, there is a way. If you have a blog or want to use email marketing, you can create revenue for yourself.A revolution in affiliate marketing has arrived. PepperjamNetwork.com.
Are you an affiliate with another company? Your goal is to make some money as an affiliate, but have you felt abandoned after you joined their program? Left on your own without any tools or resources? You won't feel that way at Pepperjam. Their team will keep in touch with you and offer help in any way they can to ensure you succeed. Pepperjam provides the necessary resources and educational materials to help publishers become Super Affiliates.
There are many, many well known advertisers that participate with Pepperjam. You may even find a company or two that works well with your blog and the topic you post about. The advertisers allow you to chat with them 'live' if you have any questions, need help, have problems etc...
Pepperjam has been ranked in the top 100 fastest growing privately-held companies in the United States of America according to the 2008 Inc. 500 list which was released recently.
Pepperjam's ranking is #70 with their three-year revenue growth of 2,447.5%.They are some numbers!
This is not the first time Pepperjam ranked high in Inc.'s magazine. This is Pepperjam’s third consecutive year.
Some facts on Pepperjam:
- one of the top 100 fastest growing companies in the United States
- the #2 fastest growing company within the State of Pennsylvania
- the #1 fastest growing affiliate marketing network
- the #1 fastest growing full-service Internet marketing agency
- the #1 fastest growing interactive marketing agency
- the #1 fastest growing search-engine marketing firm
- the #1 fastest growing “advertising / marketing” company within the State of Pennsylvania (#5 in the United States)
Here is your chance to become involved with a successful company that gives you what you need to succeed and realize your goal. You do not have anything to lose should you decide to join. See for yourself. They are even offering a $10 bonus just for signing up! Pepperjam allows you to make money even before you begin advertising. If you click the below link,you will be guaranteed to receive your bonus.
Please keep in touch and let me know how this program is working for you. Good luck
Pepperjam Network is Now Offering a $10 Affiliate Sign On Bonus. Join Today.
Are you an affiliate with another company? Your goal is to make some money as an affiliate, but have you felt abandoned after you joined their program? Left on your own without any tools or resources? You won't feel that way at Pepperjam. Their team will keep in touch with you and offer help in any way they can to ensure you succeed. Pepperjam provides the necessary resources and educational materials to help publishers become Super Affiliates.
There are many, many well known advertisers that participate with Pepperjam. You may even find a company or two that works well with your blog and the topic you post about. The advertisers allow you to chat with them 'live' if you have any questions, need help, have problems etc...
Pepperjam has been ranked in the top 100 fastest growing privately-held companies in the United States of America according to the 2008 Inc. 500 list which was released recently.
Pepperjam's ranking is #70 with their three-year revenue growth of 2,447.5%.They are some numbers!
This is not the first time Pepperjam ranked high in Inc.'s magazine. This is Pepperjam’s third consecutive year.
Some facts on Pepperjam:
- one of the top 100 fastest growing companies in the United States
- the #2 fastest growing company within the State of Pennsylvania
- the #1 fastest growing affiliate marketing network
- the #1 fastest growing full-service Internet marketing agency
- the #1 fastest growing interactive marketing agency
- the #1 fastest growing search-engine marketing firm
- the #1 fastest growing “advertising / marketing” company within the State of Pennsylvania (#5 in the United States)
Here is your chance to become involved with a successful company that gives you what you need to succeed and realize your goal. You do not have anything to lose should you decide to join. See for yourself. They are even offering a $10 bonus just for signing up! Pepperjam allows you to make money even before you begin advertising. If you click the below link,you will be guaranteed to receive your bonus.
Please keep in touch and let me know how this program is working for you. Good luck
Wednesday, May 7, 2008
Make Money with an Online Store
While browsing through the blogsphere, I find many people are writing about the opportunities to make money online. There's also much talk about working from home, so one can stay and care for the family or just for the simple reason that people would rather be home making money than going to work for someone else.
I know the possbilities are endless and we just need to put forth effort and make our ideas reality by just going for it. What holds us back from taking a chance?
One idea I see mentioned is to set up an online store. One might think this is hard to do and complicated. Once set up though, the 'store' can pretty much run itself when using user friendly shopping cart software and having the tools to be successful.
Are you an ebay seller or already selling products online? Why not take your item(s), create a store, complete with a shopping cart and have everything in one place?
AshopCommerce provides just the right solution and happens to be a leading provider of US hosted shopping cart software.Their shopping carts are already OPTIMIZED, so you'll be in the top of the search engines. If you are not so familiar with how to set up an online store, Ashop provides templates, which make it extremely easy for you to get your store up and running.
Ashop wants you to be successful and provides a user manual plus online chat help for any questions, problems or concerns you may have. Guaranteed securely hosted and they alert you to any fraud. There are too many positive features of this company to outline in this post, so by going HERE you can read for yourself what they offer. I found their rates are very reasonable compared to other companies offering ecommerce software.
Right now, Ashop is offering a free trial, with no credit card necessary to participate. This way you can test drive the online store and see if it's for you. This really is a chance for you to make your idea reality.
Taking a chance is what it's all about...you'll never know if you will succeed if you don't try. Go ahead...make some money with an online store.
I know the possbilities are endless and we just need to put forth effort and make our ideas reality by just going for it. What holds us back from taking a chance?
One idea I see mentioned is to set up an online store. One might think this is hard to do and complicated. Once set up though, the 'store' can pretty much run itself when using user friendly shopping cart software and having the tools to be successful.
Are you an ebay seller or already selling products online? Why not take your item(s), create a store, complete with a shopping cart and have everything in one place?
AshopCommerce provides just the right solution and happens to be a leading provider of US hosted shopping cart software.Their shopping carts are already OPTIMIZED, so you'll be in the top of the search engines. If you are not so familiar with how to set up an online store, Ashop provides templates, which make it extremely easy for you to get your store up and running.
Ashop wants you to be successful and provides a user manual plus online chat help for any questions, problems or concerns you may have. Guaranteed securely hosted and they alert you to any fraud. There are too many positive features of this company to outline in this post, so by going HERE you can read for yourself what they offer. I found their rates are very reasonable compared to other companies offering ecommerce software.
Right now, Ashop is offering a free trial, with no credit card necessary to participate. This way you can test drive the online store and see if it's for you. This really is a chance for you to make your idea reality.
Taking a chance is what it's all about...you'll never know if you will succeed if you don't try. Go ahead...make some money with an online store.
Saturday, March 8, 2008
Confused by Insurance Options?
When it comes to insurance, there are so many options. You can insure just about anything these days. People often think that it's better to be safe than sorry, but sometimes end up spending more money than they should on coverage they don't really need. If you own a business, there are options for Business Insurance as well.
You should cover the big risks in your life. Those being your life, your health, your home and your car if you have one.
You can save money on insurance. Shopping around for the best deal is one good way. Companies also give discounts to customers who buy more than one type of coverage from them. Raising your deductible will lower your insurance monthly payment. You should make sure that you have coverage that's both comprehensive and covers catastrophic events that would cause hardship, such as the death of a spouse.
According to Robert Hunter, director of insurance for the Consumer Federation of America, there are common types of insurance that he and other experts believe people should avoid:
Life insurance for children- Losing a child, may be the hardest and toughest experience a parent can go through, but the experience does not lead to economic hardship. I would think you do not rely on your children to provide income for your survival.
Cancer insurance- This policy does cover one risk, but it is better to just have good insurance. Death comes in various ways...why pay for protection just for cancer?
Accidental death- Again, this is covering a risk, but having a good policy will be adequate. Unless, you are in a dangerous profession.
Travel insurance- This coverage would only be useful if you are aware of a serious illness or if you would not be able to reschedule.
Whole life insurance- Term insurance provides an investment option that might be a better choice. If you have a spouse working from home, make sure they are also covered due to their death causing a financial hardship.
Insurance against inconveniences- Are they really worth paying monthly for? Would it be the end of the world? Probably not...
Identity theft-Reguarly check your credit report, which can be done for free. Take precautionary steps to avoid someone being able to access your personal information.
Insuring your clunker- It doesn't make sense to have full insurance coverage on an old car unless of course it is a classic and worth a lot of money. If your old car gets totaled in an accident, you will only receive the value regardless. Would your monthly payments over the years exceed the value?
Extended warranties- Quality purchases should not fail while under warranty
Payment protection insurance- You pay a lot of money each month for this protection. This coverage pays your credit card or mortgage payments in case of illness or job loss, but what you have already and will continue to pay be more than having made sure you had just saved enough for a 'rainy day'?
If you own one of the above policies, you may want to reconsider. Is this policy truly necessary in protecting you from a financial hardship? If it isn't, why throw your hard earned money toward a monthly expense?
You should cover the big risks in your life. Those being your life, your health, your home and your car if you have one.
You can save money on insurance. Shopping around for the best deal is one good way. Companies also give discounts to customers who buy more than one type of coverage from them. Raising your deductible will lower your insurance monthly payment. You should make sure that you have coverage that's both comprehensive and covers catastrophic events that would cause hardship, such as the death of a spouse.
According to Robert Hunter, director of insurance for the Consumer Federation of America, there are common types of insurance that he and other experts believe people should avoid:
Life insurance for children- Losing a child, may be the hardest and toughest experience a parent can go through, but the experience does not lead to economic hardship. I would think you do not rely on your children to provide income for your survival.
Cancer insurance- This policy does cover one risk, but it is better to just have good insurance. Death comes in various ways...why pay for protection just for cancer?
Accidental death- Again, this is covering a risk, but having a good policy will be adequate. Unless, you are in a dangerous profession.
Travel insurance- This coverage would only be useful if you are aware of a serious illness or if you would not be able to reschedule.
Whole life insurance- Term insurance provides an investment option that might be a better choice. If you have a spouse working from home, make sure they are also covered due to their death causing a financial hardship.
Insurance against inconveniences- Are they really worth paying monthly for? Would it be the end of the world? Probably not...
Identity theft-Reguarly check your credit report, which can be done for free. Take precautionary steps to avoid someone being able to access your personal information.
Insuring your clunker- It doesn't make sense to have full insurance coverage on an old car unless of course it is a classic and worth a lot of money. If your old car gets totaled in an accident, you will only receive the value regardless. Would your monthly payments over the years exceed the value?
Extended warranties- Quality purchases should not fail while under warranty
Payment protection insurance- You pay a lot of money each month for this protection. This coverage pays your credit card or mortgage payments in case of illness or job loss, but what you have already and will continue to pay be more than having made sure you had just saved enough for a 'rainy day'?
If you own one of the above policies, you may want to reconsider. Is this policy truly necessary in protecting you from a financial hardship? If it isn't, why throw your hard earned money toward a monthly expense?
Wednesday, January 2, 2008
Do You Possess the 8 Qualities?
Yesterday while channel surfing, I came across the Suze Orman show. Do you know who she is? If not, a brief summary: She is known to be a best selling author, magazine and online columnist, writer/producer, and motivational speaker,and recognized as an expert on personal finance.
Her show was geared toward women and introduced the "8 qualities of a wealthy woman". Her message was that to control your destiny it requires reconditioning from the inside.
After reading the 8 qualities, let me know what you think. Fluff or common sense advice?
Quality 1 and 2: Harmony and Balance
Harmony is an agreement in feeling, approach, and sympathy between what you think, feel, say, and do.
Balance is a state of emotional and stability in which you are able to make sound decisions and judgments.
How many times do we think one thing... say another... feel something else...and act in a way that has nothing to do with what we just thought, said, or felt? If our thoughts, feelings, words, and actions are not in harmony, it is an imbalance
Quality 3: Courage
Courage is the ability to face fear. Fear of any situation. In some way you must find the courage to overcome your fear and not let this emotion rule you. Courage to correct imbalance in your life.
Quality 4: Generosity
Generosity is when you give the right thing to the right person at the right time -- and it benefits both of you.
Ms. Orman wants women to realize that we give too easily with our time, support, love and money. If we are giving for the wrong reasons, then it is not true generosity.
Are we giving because we think we should, to be liked, giving out of guilt etc...
Quality 5: Happiness
Defined as a state of well being and contentment. If you find the 'courage' to live your life in 'harmony' and 'balance' and practice true 'generosity'...happiness appears. When happy, we are more optimistic, seeing possibilities. Happiness should be the goal we should strive for in all aspects of our life.
Quality 6: Wisdom
Is the knowledge and experience necessary to make decisions and judgments. Wisdom taps into the core of one's beliefs and has the courage to correct her life if out of balance, knowing to do what is right rather than what is easy. A wise woman knows the true meaning of generosity, knows that happiness is the true reward in life when lived in harmony
Quality 7: Cleanliness
Is about respecting order and organization. Remove the clutter from your life
Quality 8: Beauty
You have beauty when you have the other 7 qualities in your life. She isn't talking about beauty on the outside, but the beauty within each of us.
When you have all these qualities together, you will become a confidant woman. When you are confident, you feel secure... when you feel secure, you have no fear... when you have no fear, you have the courage to say what you think and feel. When you are calm, you make wise decisions with your money, which then allows you to be truly generous to others as well as yourself, which, in turn, makes you a happy, powerful, and beautiful woman.
Do you think all of these qualities together could help you arrive at the goal of being a woman in control of her destiny?
I do think these qualities are what we need to have in all aspects of our life, not just in regard to finances, but everyday living. I suppose they are difficult sometimes to achieve, but if we keep practicing, we will eventually grasp the concept and the goals we are striving for.
Her show was geared toward women and introduced the "8 qualities of a wealthy woman". Her message was that to control your destiny it requires reconditioning from the inside.
After reading the 8 qualities, let me know what you think. Fluff or common sense advice?
Quality 1 and 2: Harmony and Balance
Harmony is an agreement in feeling, approach, and sympathy between what you think, feel, say, and do.
Balance is a state of emotional and stability in which you are able to make sound decisions and judgments.
How many times do we think one thing... say another... feel something else...and act in a way that has nothing to do with what we just thought, said, or felt? If our thoughts, feelings, words, and actions are not in harmony, it is an imbalance
Quality 3: Courage
Courage is the ability to face fear. Fear of any situation. In some way you must find the courage to overcome your fear and not let this emotion rule you. Courage to correct imbalance in your life.
Quality 4: Generosity
Generosity is when you give the right thing to the right person at the right time -- and it benefits both of you.
Ms. Orman wants women to realize that we give too easily with our time, support, love and money. If we are giving for the wrong reasons, then it is not true generosity.
Are we giving because we think we should, to be liked, giving out of guilt etc...
Quality 5: Happiness
Defined as a state of well being and contentment. If you find the 'courage' to live your life in 'harmony' and 'balance' and practice true 'generosity'...happiness appears. When happy, we are more optimistic, seeing possibilities. Happiness should be the goal we should strive for in all aspects of our life.
Quality 6: Wisdom
Is the knowledge and experience necessary to make decisions and judgments. Wisdom taps into the core of one's beliefs and has the courage to correct her life if out of balance, knowing to do what is right rather than what is easy. A wise woman knows the true meaning of generosity, knows that happiness is the true reward in life when lived in harmony
Quality 7: Cleanliness
Is about respecting order and organization. Remove the clutter from your life
Quality 8: Beauty
You have beauty when you have the other 7 qualities in your life. She isn't talking about beauty on the outside, but the beauty within each of us.
When you have all these qualities together, you will become a confidant woman. When you are confident, you feel secure... when you feel secure, you have no fear... when you have no fear, you have the courage to say what you think and feel. When you are calm, you make wise decisions with your money, which then allows you to be truly generous to others as well as yourself, which, in turn, makes you a happy, powerful, and beautiful woman.
Do you think all of these qualities together could help you arrive at the goal of being a woman in control of her destiny?
I do think these qualities are what we need to have in all aspects of our life, not just in regard to finances, but everyday living. I suppose they are difficult sometimes to achieve, but if we keep practicing, we will eventually grasp the concept and the goals we are striving for.
Thursday, July 5, 2007
Shop & Earn Mall
Let’s start with some facts you may not be aware of. There are more women on the Internet than men. Women do more online shopping than men. And women are responsible for three-fourths of the purchases made online. These facts tell me what I already know – WOMEN are the power behind Online Shopping!
I came across this interesting and totally FREE way to make some extra money online. In the many blogs I have come across recently that share tips to earn some spending money, I have yet to see this out there. I decided to share this potential money maker. You check it out and let me know what you think.
It is really free and you earn as YOU (or family/friends) shop. Crazy, right? But really, if I'm about to make a purchase online, why not make something on it. Like a discount...
The holidays will be here before you know it (did I just mention the holidays?! geez..I'm just starting to enjoy the warm weather, but this shop & earn idea has me thinking) and if I shop at this Shop & Earn mall, I'll see a cash return on my gift purchases. Hmm...
Woman you should be able to benefit from what has been created with MY POWER MALL.
Featured Shops:
Bidz.com, Stamps.com, VistaPrint.com, Avon, Kohl's, 911HealthShop.com, Adagio Teas, Inkgrabber.com, Auto Parts Warehouse, Drugstore.com, FragranceNet.com
The directory search includes:
Automotive, Beauty & Fragrances, Books/CD/DVD/Movies, Business/Office Supplies/Clothing & Accessories, Computers, Education & Family, Financial Services, Food & Drink, Health & Personal Care, Home & Garden, Pet Supplies, Specialty/Dept Stores, Sports & Fitness, Telecommunications, Travel and Web Services.
It is totally new, totally FREE, very simple, and can be done in conjunction with anything else you are doing to generate financial freedom.
You could easily be making $4 - $6000 a month, but your income potential is unlimited. If you're Interested ~ Click the button below! It will only take a few minutes to determine if their FREE program will work for you.
SHOP & EARN MALL
I came across this interesting and totally FREE way to make some extra money online. In the many blogs I have come across recently that share tips to earn some spending money, I have yet to see this out there. I decided to share this potential money maker. You check it out and let me know what you think.
It is really free and you earn as YOU (or family/friends) shop. Crazy, right? But really, if I'm about to make a purchase online, why not make something on it. Like a discount...
The holidays will be here before you know it (did I just mention the holidays?! geez..I'm just starting to enjoy the warm weather, but this shop & earn idea has me thinking) and if I shop at this Shop & Earn mall, I'll see a cash return on my gift purchases. Hmm...
Woman you should be able to benefit from what has been created with MY POWER MALL.
Featured Shops:
Bidz.com, Stamps.com, VistaPrint.com, Avon, Kohl's, 911HealthShop.com, Adagio Teas, Inkgrabber.com, Auto Parts Warehouse, Drugstore.com, FragranceNet.com
The directory search includes:
Automotive, Beauty & Fragrances, Books/CD/DVD/Movies, Business/Office Supplies/Clothing & Accessories, Computers, Education & Family, Financial Services, Food & Drink, Health & Personal Care, Home & Garden, Pet Supplies, Specialty/Dept Stores, Sports & Fitness, Telecommunications, Travel and Web Services.
It is totally new, totally FREE, very simple, and can be done in conjunction with anything else you are doing to generate financial freedom.
You could easily be making $4 - $6000 a month, but your income potential is unlimited. If you're Interested ~ Click the button below! It will only take a few minutes to determine if their FREE program will work for you.
SHOP & EARN MALL
Wednesday, July 4, 2007
Take Charge of Your Finances 
“I am woman… hear me roar!” sang Helen Reddy back in the 1970s. Today women are roaring all right, but all too often it’s from the pain of addressing their financial state. Did you know that over 70% of women say that money is a source of stress in their lives today? Or that women are 2x more likely than men to live out their golden years in poverty?
It’s time for women to roar with financial strength.
I met Manisha and Sharon, who are co-authors of ON MY OWN TWO FEET on MySpace. Together they are teaching women to take charge of her finances.
ON MY OWN TWO FEET is all about teaching women how to live their lives from a position of financial strength. Learning a few simple yet powerful financial lessons while you are in your 20s and 30s will both increase your confidence today and your financial security tomorrow.
The shocking truth is that most Americans live paycheck to paycheck. That means they are waiting for their next paycheck to pay bills like their rent or mortgage. If an emergency should arise, most don't even have enough in their savings to cover the unexpected expense. It is suggested that one has 3-6 months in savings as an emergency fund.
From the American Payroll Association’s “National Payroll Week 2005 Survey.” In this 9/9/05 survey of 29,955 individuals, a whopping 73.9% of respondents said they would find it “very” or “somewhat” difficult to meet their current financial obligations if their paycheck were delayed by a week (americanpayroll.org).
Tip on how to payoff debt:
Concentrate on the smallest debt first. Pay what you can on it, over the minimum payment. Once the smallest debt is gone, add that former payment to the next outstanding debt payment...and so on...and so on (the "debt snowball").
On My Own Two Feet will Teach You:
On My Own Two Feet Web site
It’s time for women to roar with financial strength.
I met Manisha and Sharon, who are co-authors of ON MY OWN TWO FEET on MySpace. Together they are teaching women to take charge of her finances.
ON MY OWN TWO FEET is all about teaching women how to live their lives from a position of financial strength. Learning a few simple yet powerful financial lessons while you are in your 20s and 30s will both increase your confidence today and your financial security tomorrow.
The shocking truth is that most Americans live paycheck to paycheck. That means they are waiting for their next paycheck to pay bills like their rent or mortgage. If an emergency should arise, most don't even have enough in their savings to cover the unexpected expense. It is suggested that one has 3-6 months in savings as an emergency fund.
From the American Payroll Association’s “National Payroll Week 2005 Survey.” In this 9/9/05 survey of 29,955 individuals, a whopping 73.9% of respondents said they would find it “very” or “somewhat” difficult to meet their current financial obligations if their paycheck were delayed by a week (americanpayroll.org).
Tip on how to payoff debt:
Concentrate on the smallest debt first. Pay what you can on it, over the minimum payment. Once the smallest debt is gone, add that former payment to the next outstanding debt payment...and so on...and so on (the "debt snowball").
On My Own Two Feet will Teach You:
- How much of your income to save
- How to avoid the perils of credit card debt
- How to create a budget you can live with (and still have fun!)
- How to invest wisely using a powerful, keep-it-simple plan
- How to deal with real life situations - such as figuring out how much home or car you can afford & how to handle money when you couple up with that someone special
Whether you are going to run a corporation, a household, or your own extraordinary life, women should learn how to be financially secure.
Check out their profile here
On My Own Two Feet Web site
Saturday, May 26, 2007
What Every Married Woman Should Know About Money
With close to 50% of marriages ending in divorce, letting your spouse handle all the financial matters is a risk that could leave you financially vulnerable. No one wants to live as though she's just waiting for her relationship to end, but you should know that there are simple, effective and not at all hostile—ways to protect yourself…just in case.
1. Carry your own plastic.
If every bank account and credit card is in your husband's name, you will be a financial nobody without him. Before you do anything else, open a bank account and get a credit card in your name.
2. Read the fine print.
Look over all tax returns, investment agreements, real estate contracts and legal documents carefully. Get a credit report annually so that there are no surprises in your family's debt situation.
3. Define what's yours, mine, and ours.
A postnuptial agreement can protect assets accrued after the marriage, such as an inheritance. Make sure that you're listed on the deed to your home as joint owner or that the house is classified as community property.
4. Don't give up bill-paying duties.
Sometimes women who aren't working feel uncomfortable participating in financial decisions. For your protection, be aware of how the money comes in and where it goes out. Some couples take turns paying bills on an annual basis.
5. Get to know your financial advisers.
Attend any meetings with an investment planner, lawyer or accountant. Should there ever be a problem, you'll have the network you need to make important decisions.
6. Make plans for the future.
Make sure you and your spouse each have adequate life insurance, a will and a living trust. Consider putting aside money for long-term care (women tend to outlive men). Don't neglect your own retirement—if you and your husband file a joint return, you can contribute up to $4,000 a year to a spousal IRA.
7. Keep your professional hat in the ring.
Even if you plan to stay home for good, maintain your networks and stay in touch with colleagues. Whether through divorce or widowhood, the odds are real that you'll be financially responsible for yourself again. At the nonprofit Women's Institute for Financial Education (WIFE, wife.org), they have a slogan: "A man is not a financial plan." It's the truth.
From the March 2005 issue of O, The Oprah Magazine.
1. Carry your own plastic.
If every bank account and credit card is in your husband's name, you will be a financial nobody without him. Before you do anything else, open a bank account and get a credit card in your name.
2. Read the fine print.
Look over all tax returns, investment agreements, real estate contracts and legal documents carefully. Get a credit report annually so that there are no surprises in your family's debt situation.
3. Define what's yours, mine, and ours.
A postnuptial agreement can protect assets accrued after the marriage, such as an inheritance. Make sure that you're listed on the deed to your home as joint owner or that the house is classified as community property.
4. Don't give up bill-paying duties.
Sometimes women who aren't working feel uncomfortable participating in financial decisions. For your protection, be aware of how the money comes in and where it goes out. Some couples take turns paying bills on an annual basis.
5. Get to know your financial advisers.
Attend any meetings with an investment planner, lawyer or accountant. Should there ever be a problem, you'll have the network you need to make important decisions.
6. Make plans for the future.
Make sure you and your spouse each have adequate life insurance, a will and a living trust. Consider putting aside money for long-term care (women tend to outlive men). Don't neglect your own retirement—if you and your husband file a joint return, you can contribute up to $4,000 a year to a spousal IRA.
7. Keep your professional hat in the ring.
Even if you plan to stay home for good, maintain your networks and stay in touch with colleagues. Whether through divorce or widowhood, the odds are real that you'll be financially responsible for yourself again. At the nonprofit Women's Institute for Financial Education (WIFE, wife.org), they have a slogan: "A man is not a financial plan." It's the truth.
From the March 2005 issue of O, The Oprah Magazine.
Subscribe to:
Posts (Atom)
BRAINWAVE ENTRAINMENT CDs! Learn more about the world's most powerful collection of brainwave entrainment CDs. Enjoy ultra-deep meditation, Einstein's brain, total relaxation, the first "digital drug", and more. FREE International shipping and handling. Click Here to Learn More
BALANCE your CHAKRA - Your body feeling tight and muscles tangled? Chakra points imbalanced and out-of-alignment? Use binaural beats to feel great about yourself, from the comfort of your own home. Brand new CD just released. FREE International shipping and handling. Click Here to Learn More
