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  • How to Lose 50 Pounds in 11 Weeks – 5 Things You Must Do

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    Trying to lose 50 pounds in 11 weeks can seem like a formidable task, but I assure you it can be done.

    I’m assuming you’re not interested in using weight loss pills, appetite suppressants, surgery or any of that other junk to lose 50 pounds in 11 weeks, which is good…’cos I hate those things. Don’t get me wrong, they have their place in certain situations, but in most cases, are an unnecessarily extreme measure.

    When you consider that a gastric bypass operation can cost anywhere between $25,000 to $35,000 US dollars, you have to question whether the advice given to some folks to go through with it is in their best interests or that of the surgeon and his pocket.

    Trying to lose 50 pounds in 11 weeks may be a tough challenge but there are a few things you can do to make your life easier.

    Here are 5 top tips you should follow when trying to lose 50 pounds in 11 weeks.

    1) Believe in yourself / set goals

    The first and most important thing is getting in the right frame of mind. This may sound strange since you already know you want to lose 50 pounds in 11 weeks…so what do I mean?

    Well, don’t worry, I’m not gonna go all Tony Robbins on you and get you jumping up and down in a euphoric state (although there is some truth to that). Rather, I’m saying that you need a clear picture of where you want to be, and focus on it. You need to feel like you’ve already managed to lose 50 pounds in 11 weeks…think about it…how does it really feel. Are your work colleagues inspired and envious of your new body and transformation? Do you have the confidence that you were lacking to ask out that hot guy or gal you’ve had your eye on for like forever?

    Only by picturing it in your mind will you be able to set goals for your success and believe that you can and will lose 50 pounds in 11 weeks. The goals will be the checkpoints on your journey, the self-belief will be the fuel that keeps you going.

    2) Find a good trainer and surround yourself with good like-minded people

    This is an essential and often overlooked part of trying to lose 50 pounds in 11 weeks. A lot of people don’t realise that who they surround themselves with plays a huge part in their self-belief, attitude, and overall motivation and determination. It has been said that a person is the average of the 5 or 10 people they hang around with the most, and this regards health, wealth, ambition, aspiration, relationships, family etc. This is not a hard and fast rule, but I feel there is some truth to it.

    Trying to lose a lot of weight quickly will be demanding and therefore you want to surround yourself with positive folks who are rooting for you, and not people who are waiting for you to fail, so they can say “I told you so!”

    Now, I’m not saying you should just give up and avoid your family and friends, but rather to seek out folks who have similar goals, and understand your situation. Finding people who have been where you are now and achieved your goals can give you a real push to do the same. Why do you think things like Weight Watchers clubs are so successful? It’s because they bring all these people together and they help each other out.

    Where can you find these people? There are loads of forums online where you can find people who are trying to lose weight. Just going to Google or Yahoo and typing something like “weight loss + forum” (without the quotes) will yield all sorts of great things. There are also loads of weight loss and fitness programs online that you can follow to lose 50 pounds in 11 weeks.

    The same applies to your trainer, coach, or workout program that you choose to follow. Are they supportive yet ambitious, pushing you on when things get tough? If not, find one that is.

    3) Eat a healthy diet

    Obviously, diet and nutrition is fundamentally important when trying to lose 50 pounds in 11 weeks. Taking on too many calories will mean you always put on weight, period. Therefore, you will need to create a caloric deficit, by taking on fewer calories than you burn, forcing your body to burn up the fat deposits and use it as energy.

    Finding the right diet is important, and many folks go about it the wrong way. Starving yourself is a big no-no. You may lose a few pounds in the first few days, but it won’t last, as your body will transition into starvation mode and slow down your metabolism to burn less fat (it’s your in-built survival mechanism), making it even harder to lose 50 pounds in 11 weeks.

    So what can you do? Eat more! Yes, by eating smaller meals more regularly you will maintain your metabolism at a higher rate, and this, combined with exercise, will help you lose the pounds faster.

    Green fibrous vegetables like broccoli, green beans, asparagus and lettuce are great healthy foods that can actually help you to burn fat, and it’s almost impossible to overeat on them. Eating more of them in the later part of the day along with a good lean protein like chicken breast is one of the best methods of getting lean as quickly as possible, and losing 50 pounds in 11 weeks.

    4) Follow a good exercise plan

    Without exercise, even the best diet plan in the world will struggle to help you lose 50 pounds in 11 weeks. You need to exercise in order to get the full benefit of the caloric deficit we mentioned earlier. It will create the furnace where you burn off those unwanted pounds.

    Regular exercise also aids the mind, confidence and overall health. By tightening up, toning and growing your muscle, you also help your body to burn fat faster. Did you know that muscle can actually help you burn fat? So the more muscle you have the more fat you can burn, because your metabolism will work faster with more muscle.

    Find a good training and exercise plan, with a good variety of cardiovascular work for your overall fitness, endurance and toning exercises like pushups and sit-ups, and some light weight training.

    5) Stick to it!

    This is the most important and often the hardest thing when trying to lose 50 pounds in 11 weeks. The best diet, exercise routine, trainer, and goals, mean nothing without the small action of going and actually doing it. Things may get tough over the next 11 weeks, but sticking to it and following through will show results, and you’ll be amazed at what you achieve. Once you see a little success you’ll be hungry for more and then it’ll be so hard to stop the momentum you build up, that 50 pounds in 11 weeks will seem like a piece of cake!

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    Source by John Wheeler

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  • The History of the Modern Money Clip

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    The history of the money clip is not a very long one since the need for a them only arose with the invention for paper money. Paper currency was first developed in China during the 7th century due to shortage of copper. Before this time ones wealth was worn around the neck in the form of necklaces the wealthier you were the heavier the chain you wore. This became physically uncomfortable and problematic, so the Chinese developed a system where they could leave their coins with a person of trust in return for a paper note. They could get their money back by showing the note at a later time. This practice was later discontinued and paper money doesn’t arise again until 1690 in Europe. During this time England produced paper money to facilitate the movement of goods and services while waging colonial war in faraway Canada. It was much easier to move paper money then large amounts of heavy coins.

    So as paper money gained popularity the need to hold ones money became a necessity. The first patent for a money clip was patented on May 7 1901 by B.G Deovich for a safety holder for paper money. This clamping device held the money and also had an attached chain to secure to and convenient button. The ones we know today was not invented until 1931 when L. weeks applied for the patent that we know today as the modern money clip. Before this time paper money was hap hazardously carried in pocket of in change purses or in folded pieces of fabric.

    Today there many styles and types they are made of different metals and materials and come in many different styles to fit anyone’s taste. Some money clips have time pieces on them; some have secret compartments, some even have knives in them or flash lights. They come all metals from platinum encrusted with diamond to silver and gold and the more readily accessible stainless steel. Stainless steel is prized for its durability and low cost and is the most well known of all the materials. Many groups such as the Mansions carry money clips with special logos on them. They can are used as an extension of one’s personality or to show affection or affiliation with an affinity group such as sports teams or military units. They are given as both corporate and personal gifts because they can easily be engraved and made as personal or impersonal as needed.

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    Source by Brenda L Hopkins

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  • Dousing the Flames of Marital Conflict

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    Conflicts in marriage are endemic. Because this is a union of two distinct individuals each with his or her own likes, dislikes, prejudices and pet peeves, conflicts are built into the marriage packet. As the famous evangelist Billy Graham once said, “For a married couple to expect perfection in each other is unrealistic. The unblemished ideal exists only in ‘happily-ever-after’ fairy tales. ‘Happily incompatible’ is a good adjustment.”

    No human relationship can exist in a permanent state of happiness, and conflicts need not be viewed as a sign of instability or impending rupture of marriage. Couples need to master the art of quarreling constructively and resolving all conflicts positively. A mature approach will increase understanding and trust, and strengthen their relationship. However this depends on their level of commitment to each other.

    Areas of conflict:

    o Finance: In this consumer-oriented society of today, money or the lack of it can lead to conflict. Spouses have different spending habits. Overspending or unnecessary spending by one partner can upset the family budget, leaving less money for essentials. Entertainment, alcohol, consumer goods can eat into one’s pocket. Similarly miserliness will also trigger conflict.

    o When the needs, wants and desires of one partner are not met, there is a tendency to be irritable or argumentative over trifles.

    o Domination: When one partner is excluded from the decisions that affect them both, friction is bound to arise. Similarly, procrastination by one partner on issues that need urgent decisions can be annoying.

    o In-laws: Too much interference or over dependence of in-laws can become a bone of contention. Unfair references and comparisons lead to quarrels.

    o Children: Different styles of parenting or lack of proper parenting skills can result in heated arguments.

    o Sex: Husbands and wives have exclusive conjugal rights over their partners. Depriving a spouse of normal sexual activity creates tension in the relationship.

    o Working wives: Some women with high tech jobs may not have quality time to spend with husband and children. Stress, fatigue or overwork can sap them of strength and put them in an irritable frame of mind.

    o Habits: Drinking, smoking, gambling or drug taking are frequent causes of conflict.

    o Social activities. Time consuming parties or games leave very little time to spend with each other.

    o Physical and emotional abuse.

    o Self-centeredness.

    o Secrecy: Keeping important secrets from each other is a breach of trust.

    o Infidelity.

    The mark of a good marriage is not the absence of conflict, but how each partner deals with the problem. Conflict is like an ember with the potential to spark into a flame, and if not doused in time, can blaze into a conflagration. The foremost thing to remember is that it is not a battle between enemies. It is just a disagreement between spouses who have promised to love and cherish each other till the end of their lives.

    “Many marriages would be better if both husband and wife realize that they are on the same side,” says Zig Ziglar.

    The aim must be to diffuse the situation by proper resolution, so that it does not crop up again and again.

    There are two options available.

    1.The Negative Approach which will generate hostility.

    2.The Positive Approach which will make the bonds of marriage stronger.

    Negative Approach:

    – One partner personalizes the problem and treats it as an attack. Women are more prone to this approach. They withdraw into themselves and wallow in self pity. Withdrawal may be physical, sexual or emotional. Breach of communication follows. This is a dangerous trend. A trivial problem festers in the mind until it assumes gigantic proportions.

    – Angry reactions like yelling, crying, abuse, sarcasm, insults or even violence are disastrous. The idea obviously is to hurt the other person while defending one’s self in the blame game.

    As Broderick said, “Couples who vent their anger and do nothing to get at its cause and cure are committing marital suicide.”

    Positive Approach:

    1. Couples should never communicate when angry. They should first think things over calmly by themselves and then discuss the issue. Privacy is important. Discussions should not take place in the presence of their children or relatives, but in a quiet place where there will be no interruptions. They must bear in mind at all times that they are allies and not adversaries. There must be eye contact throughout the discussion. Respect for each other’s feelings is important. So the tone of voice and body language must be appropriate. Listening carefully to the other’s point of view is showing respect. Questions and clarifications are in order. It is also a time to share one’s genuine hurts and frustrations. Generalizations like ‘You always find fault’ or ‘You never listen’ are not helpful.

    2. The core issue must be tackled. It is important to define and discuss only the problem that started the conflict. Is the problem repetitive? Is there a recurring pattern? If so, why has the problem not been resolved before? There should be no deviation into unrelated issues. Old problems must not be dredged up and recycled to score a point.

    3. Finance can be a contentious subject. Bad financial habits must be mended. Budgeting one’s income is important. If expenses go beyond the budgeted amount, there should be a discussion on how best to make good the deficit. Honest conversations about purchases, savings and overspending will help. It might require lowering one’s standard of living or finding other ways of income generation.

    4. Sex is an important aspect of marriage. Withholding sex by one partner as a means of punishing the other, is hurtful. Sex enhances intimacy and reconciliation.

    5. Spouses must take responsibility for their contribution to the problem. They should be willing to change their behaviour if necessary. Owning up faults and admitting their weaknesses will diffuse tension. Sometimes it may even be necessary to give into the partner’s wishes, even though not fully agreeable. It is important to focus on what is right and not on who is right. Compromise is by no means weakness. It reflects strength and helps resolve the problem permanently.

    6. Forgiveness is the most important salve that will heal the hurt of conflict. Couples should be generous in forgiving each other’s faults. It may not be easy, but it is always better to get it over with and move on.

    Conflicts in marriage are inevitable. Fault finding and negativity can destroy and tear apart relationships. ‘Let not the sun go down upon your wrath,’ advises Scripture. With proper communication, tolerance and commitment, most conflicts can be resolved.

    As Alexander Perry said, “The ultimate test of a relationship is to disagree but to hold hands.”

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    Source by Eva Bell

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  • Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

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    I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

    The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

    Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

    1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

    2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

    3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

    4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

    In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

    In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

    Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

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    Source by Joe Mosed

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  • The Central Theme of Rich Dad Poor Dad by Robert Kiyosaki – Look For Assets Not Liabilities

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    Rich Dad Poor Dad has been reviewed by many writers. The book, written in 1997 by Robert Kiyosaki, immediately became a success. The concepts expressed therein are the foundation of Robert Kiyosaki’s Rich Dad book series.

    Rich Dad Poor Dad expresses a number of concepts that seem contrary to the established norms of accounting and finance. Robert Kiyosaki defines an asset as anything that puts money in your pocket and a liability as something that takes money away from your pocket.

    In Rich Dad Poor Dad and indeed the entire Rich Dad series, Robert Kiyosaki encourages his readers to look for assets and avoid liabilities. This is the key message to those who want to become wealthy and prosper financially.

    Based on the definition of assets and liabilities is the concept of making money work for you instead working hard for money. Money works consistently and diligently for a wise owner multiplying beyond expectations. You cannot become rich by working for money.

    You earn passive income when you get your money to work for you, a concept explored exhaustively in Rich Dad Poor Dad. Passive income is the foundation of wealth as it gives leverage to your efforts. After setting up an income stream, it continues to make you money while you sleep.

    The Rich Dad Corporation has three main shareholders: Robert Kiyosaki, his wife Kim Kiyosaki and Sharon Lechter. The three of them are co-founders of the RDPD Corporation under which they have produced a range of RDPD books.

    Kim Kiyosaki has written her own line of Rich Women, Poor Women which is based on the same basic principles expressed in Rich Dad Poor Dad but is directed to a different audience altogether. Riding on the back of her husband, Kim Kiyasaki’s books have also been very successful, drawing millions of satisfied readers.

    Robert Kiyosaki has influenced the lives of millions around the world through his books, helping many to become aware and get rid of doodads, thus eliminating liabilities from their financial life. He has conducted millions of seminars and training programs. He is dedicated to educating humanity in business principles and handling of personal finances, thus helping them to escape poverty.

    The Rich Dad Series gives many practical examples of how to grow money using real estate, the stock market and business. The books confirm Robert Kiyosaki’s qualities as educator and motivator, and his understanding of economics and money concepts. Employing skills as educator and his knowledge of money matters, Robert Kiyosaki has been able to build an empire on the concepts expressed in Rich Dad Poor Dad.

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    Source by Robert Mato

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  • How to Collect and Invest In One Dollar Bills Using Serial Numbers

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    A one dollar bill may not seem like a lot of money, but some are rare and can become part of an investment. The key to knowing if a dollar bill is worth more than face value is to examine the serial number. Serial numbers are a combination of a letter, eight numbers and another letter at the end. You can find them easily because they are printed in green and are located twice on each bill. One is close to the bottom left of George Washington’s portrait and the other is located at the top right of his portrait. Combinations of serial numbers are keys to determining the rarity and investment value of a bill.

    The first letter runs from “A” to “L”. These 12 letters are codes for the cities where they were printed. The last letter indicates the number of times that the Bureau of Engraving and Printing used the sequence of serial numbers. So, “A” means that the serial number has run only one time. “B” indicates a second time and “C” is the third. The number of letters goes through the 26-letter alphabet.

    Between the letters are eight numbers representing how many one dollar bills were printed in one year. The first one printed will be “00000001”. The last is “32000000”. The lower or higher the numbers, the more they’re worth as investments. For example, a bill with a low number like 00000095, or one with a high number 32000022 can fetch between $25 to $100.

    Also, a specific combination of numbers can add value. If you have only two numbers in the set, like “2” and “4”, such as 22424442. This number is worth a little more than face value. But, if you have a repeating pattern, like, 24242424, or 24224224, your investment just increased by about $1,000. This special combo is called a “binary bill.”

    You might also get a set using three numbers, such as “2”, “4”, and “7”, you can have them in no special order, such as:27244727, or 59577975 Of course, if they follow a repeating order, they are worth more. You must know that a two number combination will be more valuable than the three number combination. These are called “trinary bills,” which could only fetch $3 or $5.

    Another type is called a “ladder,” which is a direct count from 1 to 8: 12345678 or, backwards: 87654321.

    A “radar” bill reads the same numbers backwards and forwards, like a mirror: 14622641. A “super radar” bill only includes two numbers, with the same one only at the beginning and end: 59999995. Radars can fetch about $25, while super radars might be worth about $70.

    Two or more separate bills with consecutive serial numbers, like 25348793 and 25348794, are two bills printed one after the other.

    “Doubles” occur when you have two of the same numbers: 33774499. A “double quad” is two sets of four of the same number: 33335555. Even a bill with one number repeated eight times: 44444444 might bring $500.

    You can also find a “star note.” If you see a star at the end of a serial number, it means that it’s a replacement bill for one with the same serial number that was damaged.

    Special combinations of serial numbers from one dollar bills vary in value, from just a few dollars to a few thousand. My advice is to go to your bank and ask for a one-dollar “strap” which is a pack of 100 one dollar bills. Go through them and see what patterns of serial numbers you can find. Sometimes, a fresh new pack of one dollar bills will come to a bank straight from the Bureau of Engraving and Printing. So you might have a good chance of finding consecutive bills, which could possibly earn you a few more dollars if you sold them to a collector. Just remember that any bill with a special serial number is a rare item. Now, you have a good reason to check the dollar bills in your pocket or purse.

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    Source by Harrington A Lackey

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  • Explore a Luxurious Lifestyle With Flats in North Kolkata

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    North Kolkata and luxurious lifestyle? They are not quite synonymous to each other, right? Are you sure about this outlook? Well, the reality is based on a different story altogether.

    North Kolkata essentially represents the vintage charm of the city. There is something unique about the region. While walking down the lanes of this region, you'll come across homes which were built during the British era or even before. The lanes are narrow where you'll find children indulging in playing 'gully cricket'. You'll come across the traditional shops selling fried eatables or as the Bengalis call it 'Tele Bhaja' along with some iconic sweet shops. However, luxurious lifestyle calls much more than such features. It calls for modern features that will upgrade your living standards and simplify it as well.

    Hence, things are changing for North Kolkata. The small shops, old vintage houses and narrow lanes are getting replaced by contemporary facilities and modern living spaces. However, does that mean this place will provide you with a luxurious lifestyle? Let's delve into the blog to familiarize with the truth.

    Luxury Living & North Kolkata- Do they Go Hand-in-Hand?

    Modern Residential Projects: Luxury starts with residential complexes defined by opulence and style. The housing complexes in North Kolkata will provide you the same. Most of the projects in this region are stunning defined by comfort, luxury and modern-day conveniences under one roof. The residential complexes are wrapped in the pure essence of nature backed by modern features, bringing you the best of both worlds.

    Most of the projects are spread across a huge acre of land with 60-70% open spaces defined by lush green foliage. Such projects also consist of landscaped gardens, ponds, pocket gardens, children's park and the likes to provide one with well-rounded lifestyle amidst a stunning milieu.

    Upgraded Living Spaces: With modern housing complexes, you'll also get the advantage to live in fine living spaces which will essentially improve your living standards. Constructed using cutting edge technology, the projects consists of comfort packed rooms, quality apartment specifications (like bathroom & kitchen fixtures) and an amazing city view. What's more? The modern luxury apartments in North Kolkata are open on 3-4 sides and are Vaastu compliant, thus bringing comfort and good vibes in your new home. Some projects will also provide you with duplex living spaces within a price range of 30 lakhs to 40 lakhs. Isn't that incredible?

    Excellent Amenities & Facilities: In today's world, it is mandatory for a residential complex to provide the residents with a remarkable set of amenities and facilities. Understanding the significance of the same, the developers are making sure to provide the residential complexes with clubhouse amenities and residential project facilities that will enhance the living standards a step further. Luxuriate with residential complexes in North Kolkata consisting of features like:

    • Rooftop swimming pool.

    • Adda Room

    • Pool Table

    • Modern Gymnasium

    • A Multi-Purpose Grass Court.

    • Landscaped Green Areas

    • Reflexology Park, etc.

    Apart from these three primary features, connectivity quotient in North Kolkata has improved as well. The region has seen an increase in local train routes, buses, auto-rickshaws, call cabs and even metro links, easier simplifying the daily task of traveling to various parts of the city. For example, if you buy flats in Barasat, you'll stay considerably close to the airport, local railway stations and upcoming metro link for an easy traveling affair.

    With connectivity, the region has also seen an improvement in commercial facilities. The region now consists of popular schools, health care centers, malls, departmental stores, entertainment zones, etc., thus meeting your requirement for a well-rounded lifestyle.

    Hence, does luxurious lifestyle and North Kolkata goes hand in hand? We can say without any second thought they do go hand in hand. Hence, North Kolkata is becoming a hub of high end residential projects to provide you with a posh living standard. Are you planning to buy a new home? Why don't you check out the residential complexes in this region? Your dream home is probably hidden here.

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    Source by Jems Hug

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  • If You Want to Be Rich You Don’t Need Good Grades

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    Did you parents ever give you the advice that in order to become wealthy they need to study hard, get good grades so they can get a good job? I know I have heard this advice on many occasions from my parents. But the fact is that getting good grades no longer ensures that you will become wealthy. Even many doctors, who are often the ones with the best grades, are now struggling to earn a lot of money. If you want to get rich, without needing good grades, then read on.

    Something that they don’t teach you in school is that you banker never asks for your report card. If you go to your bank and ask for a loan, either for a business, property or some other investment, then your banker is not going to ask for your school report card. Your school report card has very little relevance on whether or not you will become rich. There are many highly educated people who are poor and struggling for money. There are also some very uneducated people who a millionaires and billionaires.

    Schools are developed to train people to look for a job, but this alone will not make you rich. Often it is the educated people with the highest paying jobs that have the most debt and are in the worst spot financially. You don’t need good grades in school to become rich, but you do need a good financial education. A lot of people leave school without the slightest financial education. Many leave deeply in debt from school fees and they spend their entire lives trying to get out of debt.

    Some very simple financial education can save you a lot of time and trouble and can make you rich a lot quicker. In fact someone with a lot of financial education, but not a lot of school smarts, is much more likely to become rich than someone with school smarts but now financial education.

    In school you are more intelligent if you can make finer distinctions. Let me give you an example. If you can distinguish a car from a truck then you have some intelligence. However, if you can distinguish a 1987 Ford Laser from a 1990 Ford Laser then that is a greater distinction. You are able to understand things in finer detail and are therefore more intelligent. In school you will also be taught that there is often more than one meaning to a word. For example, the word pound means many different things. It can mean money, in the form of English currency, it can refer to weight, it can refer to a lost dogs home or it can mean to hit with a force. The one word has multiple meanings.

    In finance, some words have different meanings. Only in finance one meaning will make you poor, and another meaning will make you rich. Neither meaning is right or wrong, just different, but they have very different outcomes.

    One of the most important words you will ever understand in finance is the term asset. Now your banker will tell you an asset is anything you own that is of monetary value. This includes you old golf clubs, your suits and your car. This is one correct meaning of the word asset, but it will make you poor. A better understanding of the word asset is something that generates you an income whether you work or not. To put it simply, if you stop working today an asset will continue to put money into your pocket. A liability is something that takes money out of your pocket whether you work or not.

    A lot of people are poor because they spend their time buying assets that are liabilities. They buy things of monetary value that cost them money to own. A car costs money to own every month. So although, according to the bank’s definition of an asset, they are acquiring an asset, they are becoming poorer. Rich people focus on spending their time and money to acquire assets that generate them income. It is these assets that make them rich, and it is the ability to define the difference between an asset and a liability that makes them financially intelligent.

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    Source by Ryan Mclean

    Views: 0

  • 5 Rules for Entrepreneurship

    5 Rules for Entrepreneurship

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    1 – Find a need and fill it. It seems obvious, but so many companies and individual entrepreneurs just to not follow this most obvious rule. Sometimes, however, they do manage to create a need or desire with the product itself. But most often, the customer has a need and requires your product or service to fulfill that need. There are always needs that have to be filled, and, if your company can supply that needed service or product, it will do even better!

    2 – Find a problem and solve it. Like your customer’s needs and wants, they also have problems. If your company can solve that problem, they you will probably succeed. It’s linked very closely to their needs. For example, a customer needs more money. The problem is a lack of money. Your financial education system will fill that need and solve that problem! If a customer needs more time, the problem is a lack of time. Your time management system will fill that need.

    3 – Focus on the customer. How many companies have fallen away from this one? And how many are starting to fall away? Very recent surveys have shown that customer service is the most important part of a business. Without a customer-focused program, the company will likely get a bad image, and lose customers, and it will likely have some financial setbacks… You get the idea. Without customers, the company can not even stay open, let alone do anything.

    4 – Put your time, talent, energy, and your whole heart into producing a product or service they will buy. If you do not already have an established company, of even if you do, you must always remember to invest into the business. Not always financially either. Invest your time and energy into making what the people want, need, and will use to solve their problems. Put your heart into the company, and the company will put the dollars into your pocket. You would be surprised at how many business people just do not put enough time into their companies.

    5 – Start small. It’s great to keep your dreams big, and your successes bigger, but you just can’t start your company or a new product with a large output. Start off small. Small test runs. Small production amount. Small output of money. You will save a great deal of time, energy, and money than had you started out big and failed dramatically.

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    Source by Arthur Langton

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  • Health Insurance: The Race Against the Clock

    Health Insurance: The Race Against the Clock

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    There is still time for Congress to pick up the pieces of changing the healthcare system to help stabilize it. The fate of the Affordable Care Act is yet to be determined. In the meantime, people wait while paying extremely high premiums and have mountains of out-of-pocket bills on the kitchen table. Where is the affordability of the Affordable Care Act?

    Tick ​​Tock for the insurance companies as well. They are under a timeline for filing dates this summer. Insurance companies have time to decide if they will still offer ACA plans or not. By withdrawing ACA plans, things will start moving back to before the law was signed. This time capsule can be good for many.

    The insurance companies may begin screening for health conditions. Do not panic just yet! Years ago, the only problem with pre-existing conditions was not 'if' an insurance company would take you, but which one. Each insurance companies had personalities for health conditions. Just because a big name insurance company turned someone down, that did not mean you could not get health insurance from another company. Insurance brokers just had to match the personality with the insurance company. It is as simple as that.

    If nothing happens by late March, we could be moving into more increases on the health plans in 2019. This is terrible news for folks on the brink of losing their health insurance due to cost. Not everyone does well enough to pay for their health insurance with no problem, and much more do not qualify for any government subsidies for the premiums.

    Governors in Alaska, Ohio, Colorado, Pennsylvania, and Nevada came up with "A Bipartisan Blueprint for Improving Our Nation's Health System Performance." It brings together a high-level overview of what some changes should occur. It does not get specific enough to make a difference. Maybe it is too soon at this point. However, policyholders need some answers, and hard proof something will change that will benefit them.

    Collective action by 20 US States recently sued the federal government claiming the law was no longer constitutional after the repeal of individual mandate starting in 2019. Individuals and families not having ACA compliant coverage will no longer be fined a tax penalty in 2019. The Individual Mandate was the very rule that was determined by the Supreme Court in 2012 saying it was constitutional as a tax penalty.

    The future of the law and health plans are yet to be determined. Since 2014, it seems that most policies are changing every year. Every year the premiums go up, and the policies cover less. At what point is the breaking point? With this race against the clock, we will have to wait until the clock stops to know if we have real change coming.

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    Source by Butch Zemar

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