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  • Why Not Have A Happy Marriage While Avoiding The Crash Of A Divorce?

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    It is very important to find both present moment joy and pleasure about happy and successful married life and your future.

    Happiness is of the keys to a successful marriage and is the fuel for a significant life, and without it we can not appear to get the life we want.

    Ways to find happiness and to have a successful marriage is not always a simple solution, and yet you have to be conscious of it.

    You must concentrate on the things that you have in order to find that you both have a happy married life.

    Many folks prefer to dwell on the important things that they do not have and even pine over them.

    When people can not find happiness in their own life they do not know the best ways to grow and discover into happy married life.

    How to possess the keys to a successful marriage means the aspect that you already have actually found happiness in your own life.

    In regular times, individuals understand exactly what they are blessed with.

    Others, who just merely crave exactly whatever they see and want it severely and obsessively, are never pleased for their worldly belongings can not fill the empty void inside of them.

    The best ways to discover happiness in a marriage starts with everybody finding happiness with God.

    When mood swings are in the air and lift you up assisting you to forget concerns, God will help you through your state of mind.

    Happiness is the normal state of grace for mankind.

    Take a look at a little child taking its first steps with a proud smile and you will realize that state of grace I’m speaking of.

    The little child does not want anything in return, it is genuinely pleased.

    For the next few days hang around looking for your pure instants of joy.

    Each instant in your life kept filled with enjoyment will help you to keep happiness and joy in your marriage.

    Please count the moments of joy that you have felt. How to find happiness in a marriage is by your mindset.

    Being truly happy is everything!

    Previously I discussed free available information on saving the marriage today by staying happy in such an often conflicting world.

    True happiness is a mindset of observing the excellence of grace within you constantly flowing your way.

    We need to understand how to keep from sinking far too low while we journey through this world.

    The trick to finding joy in our own lives and of our marital relationship is to get into the habit of searching for advantages, rather of griping all the time about whatever that has failed.

    Pleasure offers us a sensation of power and energy.

    Delight means being excited about now and about the future.

    I always thought that to discover actually JOY in your life that you need to follow these simple fundamental guidelines.

    You need to put your inner divine Self first in your life, something Jesus and so many other masters were here to teach us.

    Jesus has channeled to us through the Course in Miracles that, “My holy brother, I would enter into all relationships, and step between you and your fantasies. Let my relationship to you be real to you, and let me bring reality to your perception of your brothers.”

    Always put others upfront in your life, and have a caring attitude toward the world in general.

    That has always been my mantra, so to speak, for a better more fulfilled happy life and a happy married life.

    You must focus on the things that you have within you and learn to reflect that abundance and joy to the material world, in order to find happiness in your marital relationship, too.

    Be sure to extend your inner bliss.

    Remember, when you have no inner bliss being projected to your life in this world, you can not ever realize how to find happiness in a marriage.

    How to discover happiness in a marriage stems from the element that you already have discovered joy in your own life.

    On the other hand, a once happy married life for some folks turns into to an ugly matter of the divorce.

    (Please also note, I suggest seeking out the web for more helpful material on things like, how coping with divorce may need to be addressed, and if so, learning to redirect the mental power of our errors into positive results.)

    To success in love and life!

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    Source by James Nussbaumer

    Views: 0

  • Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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    Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

    Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

    With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

    Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

    The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

    The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

    Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

    A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

    An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

    Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

    With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

    If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

    Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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    Source by Mike Kennedy

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  • Wealthy Women Seeking Men? How To Find Wealthy Women Looking for Men!

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    The internet is a goldmine. And often a goldmine of wealthy women seeking men. You just need to know where to look and how to dig! This short article is aimed at men who want to find wealthy women looking for men. I will share with you all the tips I know.

    Where NOT to dig…

    Wealthy ladies tend to equate money with value. Therefore, you will not find them using free dating classifieds (like Craigslist.com) or free dating sites.

    X marks the spot…

    The two most high-population places online for you to find wealthy women looking for men are “millionaire dating” sites and any of the popular dating service (those that EVERYONE seems to join at one time or another).

    Saving your gold…

    Most of us cannot afford the millionaire dating sites. Their monthly membership fees in 2010 range from $49.95 to a ridiculous $99.99. Finding wealthy women seeking men need not, however, be an expensive occupation.

    Did you know most of the big name-brand dating sites offer new members a free membership? Yes. They tend to have sections for free members and ones for the free members. This is perfect for our purposes.

    Digging tips…

    Now, this is how you can easily find wealthy women looking for men on these sites. All you do is put in a search for local women. I would suggest women over 30, but it is entirely your decision. Once you have that list, some sites allow you to filter for income! Yes. So you can create a list of local ladies with high incomes.

    Now, sites that do not allow this are still great, perhaps even better (because other men like yourself are not competing with you for the rich ladies). In the case of these sites what you can do is merely view profiles of the local ladies. Look at their photo albums. If they live in big houses then send them a friend request. In this way you will, again, end up with a list of wealthy female friends who are on the site looking for men.

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    Source by Davina Anderson

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  • Wrong Reasons For Getting Married – (1) Marrying Out of Sympathy

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    There are right and wrong reasons for getting married. The worst thing a person can do to oneself is to marry a wife or husband for the wrong reason. There are quite a number of wrong reasons why people marry. One of the wrong reasons and perhaps among the most prominent of the wrong reasons is marrying out of sympathy.

    There are many scenarios under this subheading of marrying out of sympathy that relationship coaches experience in the course of counseling and coaching. Some of the most common ones are when the woman gets pregnant as a result of premarital sex and getting married to a person just because one’s brother or sister jilted that person. Between these two extremes, are those who start relationships with girls who are being maltreated by those they serve. Some men get involved with the neighborhood maids or relations of their neighbors who are being maltreated. Women fall into this kind of challenge too.

    When sympathy forms the basis for a relationship with the opposite sex, it is like playing with a keg of gunpowder over a fireplace. Sympathy is a powerful emotion. It so overpowering that it becomes difficult for the parties involved to consider the critical elements in the foundation for a joyful relationship such as friendship, understanding, compatibility etc. If the man is the one sympathizing, he is so enamored into what he sees as the Good Samaritan’s job that he does not consider what stuff the woman is made off, her attitudes, desires and mindset. He does not stop to find out what life purposes she has, what goals she is focused on and how all these could jell into his own desires. If it is the woman that is sympathizing, she goes through the same emotions and also begins to think that if she saves the young man, he would remain loyal to her forever.

    Findings, however, have shown that the truth is far from what these sympathizer-lovers are thinking. If as a result of your efforts the captive is set free, he or she will do what all captives do, “flee”. Fleeing here may not mean running away from their sympathizer-lovers, though that has been known to happen with people who confess that the only feeling they had was to escape the environment. In many instances, the sympathizer-lovers begin to act as saviors and lordships. This is usually resisted, first psychologically and later verbally. And there goes your peace and comfort.

    Marriage relationship requires that both parties are open to each other. Open – meaning that there are no secrets in their hearts that the other partner would not be allowed into. Once these secret feelings are there, it produces reactive communication instead of responsive communication.

    These sympathy missions when it emanates from the premarital sex pregnancy, the woman does not fully get happy in the relationship. This arises from the fact that as the usual challenges appear in the scene, instead of the woman finding a good reason to endure; she only thinks she is in a mess occasioned by the pregnancy. Some have confessed that if they did not get pregnant, there is no way they would end up with the man they are married to. Instead of seeing the usual marriage and child rearing challenges as learning opportunities, they mortify themselves for getting pregnant. And some of the time, they blame the man for putting them in the family way. Some blame the child that resulted from the pregnancy. Hatred for a child has been known to have grown from such situations creating lasting bitterness.

    For the men, having not evaluated the character, demeanor, temperament of their spouse before marriage because of the overpowering influence of the emotion of sympathy, when the woman shows her real character, they are usually overwhelmed. They see themselves as having made terrible mistakes. They now live the rest of their lives in regret, withdrawal or wickedness or under the influence of these three negative but powerful emotions.

    It is necessary that we have it ingrained in the tablet of our hearts that the only reasons good enough for marrying anybody are the foundational elements for joyful relationship. If while in a relationship with the opposite sex there is no opportunity to build friendship and if an understanding of the basic purpose of marriage is not clear to both of you, then there is no other reason why the relationship should continue beyond the next few hours.

    Interestingly, many marriages out there are based on sympathy.

    Young single adults (18-30 years of age) and single adults (31 years and above) should not marry anybody for the purpose of saving face or to save somebody from suffering. Instead of cornering yourselves to this quagmire, why not follow the appropriate dating, courtship and engagement practices where no sexual intimacy is included. There is need to remember that sexual intimacy is only appropriate in a legally and lawfully wedded marriage contract. You need to remember that the basic purpose of sexual intimacy is mainly for procreation and to cement companionship.

    The excitement and pleasure that accompany sexual intercourse is purposed to invite people to take the responsibility that comes with it. Any other use of sexual intimacy outside legal and lawful matrimony is a transgression of the law. And law breakers must bear the full weight of the law. In most cases, there would be no external police to arrest you and no external court to try you and no external prison to sentence you. But there are internal version of the police, the court and the prison and a large farmland where your hard labor would be performed if you commit this offense.

    What is the way to go?

    Here is the way to go. Instead of focusing on sympathy, those planning to get married should focus on what matters most – the purpose of marriage – companionship and procreation. Remember the good Lord Himself said of Adam in the scriptures: “it is not good for man to be alone” (Genesis 2:18), hence He made Eve to keep him company. Do not forget also that the same Creator gave them a commandment to “multiply and replenish the earth” (Genesis 1:28). This is the creator’s approval for sexual intimacy in marriage relationship with the intents and purposes clearly spelled out, though. Latter-day prophets have clearly stated that “sex between a man and a woman in a legal and lawful marriage is ordained of God”. These are the foundational elements that must be established before continuing in the plan for marriage with someone. Both parties ought to know and understand this fully. This knowledge and understanding would bear relationships as the foundation of a building bears it. Marrying for any other reason is like standing the building on its roof.

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    Source by Francis Nmeribe

    Views: 0

  • Did the Power of Prayer or Pembrolizumab Cure Former President Jimmy Carter?

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    Former US president Jimmy Carter announced his brain cancer has disappeared, but is it due to a miracle or a medical miracle?

    In August 2015 former President Carter had elective surgery to remove a tumor on his liver. As a part of the process a scan discovered four spots on his brain. The diagnosis was stage IV melanoma. Stage IV melanoma is a kind of cancer that starts in the cells that produce the pigment that gives your skin its color, known as melanocytes. A stage IV diagnosis means it has spread via the bloodstream, or through the lymphatic system, to other areas of the body. The American Cancer Society (ACS) estimates that approximately 76,160 cases of melanoma (also referred to as malignant melanoma) were diagnosed in the United States in 2014. While melanoma accounts for only approximately 5% of skin cancer cases, it is estimated to be responsible for the vast majority of skin cancer deaths. The prognosis is generally not good for a person diagnosed with stage IV melanoma, especially one that has spread to the liver and the brain. The overall 5-year survival rate is about 15% to 20%, depending on the age and overall health of the person. The median survival is 6-10 months. The traditional course of treatment is surgery to remove tumors, radiation therapy, chemotherapy, and more recently, clinical trials, targeted therapy and immunotherapy. However, these numbers may be changing as the newer immunotherapy and targeted therapy have led to important improvements in patient outcomes. Recently an immunotherapy treatment made the news when it arrested acute lymphoblastic leukemia, saving the life of an infant in the UK.

    Pembrolizumab breakthrough treatment

    Former President Jimmy Carter was given a new breakthrough treatment Pembrolizumab. Pembrolizumab is sold under the brand name Keytruda and was developed by Merck & Co., Inc. in the United States. In September 2014 it was one of the first immunotherapy drugs approved by the Food and Drug Administration (FDA). Instead of killing cancer cells, immunotherapy drugs are designed to boost the body's immune system to fight cancer. Pembrolizumab is a monoclonal antibody. Recent studies involving Pembrolizumab have shown the drug has increased overall survival of melanoma patients. Although the long term outlook is still unknown, it is only thought to extend survival in patients and not necessarily be a cure.

    Science Proves the Healing Power of Prayer

    It's no secret that former President Jimmy Carter is a devout man. Carter was born and raised in Plains, Georgia as a Southern Baptist. He continued his religious beliefs into adulthood. He attends church everywhere he travels, teaches Sunday school, performs missionary work and is known to pray every day. Prayer groups around the world have undoubtedly been praying for the healing of the former President, along with his family and friends. For the devout, there never has been been any question that prayer has the power to heal, but others are skeptical and want scientific proof. Current research from leading hospitals and universities across the US has shown conclusively a belief in God really is good for you, making you healthier and happier, and helping you live longer. Prayer is a practice that reaches across all religions, and even to those who do not believe in a deity. "Studies have shown prayer can prevent people from getting sick – and when they do get sick, prayer can help them get better faster," Duke University's Harold G. Koenig, MD, states. An extensive review of more than 1,500 reputable medical studies "indicates people who are more religious and pray more have better mental and physical health." And out of 125 studies that looked at the link between health and regular worship, 85 showed regular churchgoers live longer. A CNN poll arrived that 73% of Americans believe in the power of prayer. Research that primarily focused on the power of prayer in healing has almost doubled in the last decade.

    So is it possible that former President Jimmy Carter has been healed by God or by a new breakthrough drug? Maybe both.

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    Source by Lisa M Manley

    Views: 0

  • Thinking of Divorcing Your Spouse? Save Your Marriage Today

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    There are questions you need to ask yourself when you notice an initial problem in your marriage. Are you unhappy in your marriage and if so, why? Is your spouse happy? Do you experience pain or joy in your marriage? Why are you not happy now after you got married? Why did the happiness before marriage succeeding disappear?

    A lot of marriages were resolved after a series of questions the couples ask themselves. This is the time to think, discuss with your spouse solutions to problems in your relationship. The couples should realize that honesty plays a very important role in this regard.

    The couples should know that marriage is an institution. It is designed by God to help and support each other through sadness and happiness. Normally, there will definitely be some misunderstanding among the couples which may give rise to conflicts, but both of you should be determined that the marriage must work. With this determination, the Devil will find it difficult to penetrate into your marital affairs.

    When you notice that your marriage is about to hit the rock, you should start thinking of saving the marriage because it is quite difficult, frustrating and boring to live alone. The best thing is to save your marriage from total collapse.

    The first thing for the couple is to talk to each other and try to understand the problem when seeking solutions. This method, however, should work because if you were able to develop a love for each other then you should be able to resolve any marital issues on your own without involving any third party

    However, if this method fails the next option is to seek out an advice from friends, family or religious leaders. But the couple should critically examine this advice whether it is appropriate or not as wrong advice can destroy the relationships.

    The third option is to go for counseling which is always very effective in solving marital problems especially if the advice is from a professional counselor. They should, however, be truthful, and openly discuss their marriage problems to get an appropriate solution. In addition, attending marriage seminars can also help.

    The fourth advice is for the couple to agree for temporary separation. This method has helped so many couples around the world to solve their marriage problems which will enable them to experience the feelings of being separated before taking any final decision. Temporary separation is reversible and its main purpose is to develop the skills of resolving problems which will improve the relationship.

    Anyone of the above advice will surely help in saving your marriage from total collapse.

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    Source by Dr Olusola A Coker Ed.D

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  • Review of Secrets of Self-Made Millionaire Book by Adam Khoo

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    This is the first Adam Khoo book I bought, and it really caught my attention. I have heard of Adam Khoo on numerous occasions and wonder what he is like running a few successful businesses making him a self-made millionaire.

    Adam did not immediately dive in to explain the methods he used to achieve great wealth. Instead, he explained how self-made millionaires think which allows them to see opportunities where others see problems. Once you adopt the habits of a millionaire, a whole new world will begin to open to you and is fundamental to wealth creation.

    The next fundamental aspect I learned from Adam about wealth creation is to set crystal clear financial goals. All of the millionaires, billionaires in the world have at some stage of their life decided that they wanted to be rich. From there, the rich will create high level financial goals for themselves to reach within a certain time frame and a specific whole figure is often used as their target. Lets say you want to increase your monthly income to a higher figure, you need to change your strategy.

    With the goals and target set, you create a plan and execute it accordingly. If your goal is to achieve a targeted portfolio, in your plan you will provide how much you need to save and invest each month along with the rate of returns to reach your target in the allocated time frame. If your goal is to increase your monthly income, in your plan you will provide the methods of increasing your primary income source along with any other income source you need to start anew.

    With the financial plan created, you will find that it is going to be a steep uphill task to achieve the targets set in your plan. Many people give up without achieving their dreams. How do you increase your income at the rate that will allow you to achieve your targets? That’s where Adam teaches us how to massively increase our income in any career along with creating a home based internet business.

    Increasing your income in only one side of the coin. The other side of the coin is to reduce expenses. Many people get into serious debt no matter how much income they earned because they failed to manage their expenses, spending more than they earn. It is even easier to get into debt when salespeople from banks constantly push you to sign up for their credit cards. Adam illustrates the essential money skills you need to have and how to reduce expenses without lowering your current standard of living.

    When you increase your income and reduce your expenses, you will have surplus funds. We have to put this surplus funds to work for us instead of just working hard and saving alone which will not make us wealthy. Using the theory of compounding, you can turn small amounts of money into a huge amount over time with discipline. All rich people use investment vehicles to help them create their wealth and the stock market is one such vehicle. They understand both the risk and returns of the stock market allowing them to achieve returns in the range of 15%-25%.

    Last but not least we need to know how to protect our wealth after spending so much time and effort to build it. Unforeseen circumstances can happen and wipe out our wealth if we are not prepared for it. The rich always engage experts to help them protect their wealth from unscrupulous people.

    I highly recommend Adam Khoo’s Secrets of self-made millionaires if you want to learn how to build extraordinary wealth using multiple sources of income. Many areas of his book have exercises for you to practice what he has taught to accelerate your wealth creation. Get his book now!

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    Source by Raymond Heng

    Views: 0

  • 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

    Views: 0

  • Benefits of Appointing a Doctor Through the Online Scheduling Services

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    The busy and fast life and the unbridled lifestyle have created numerous negative impacts on our body as well as on our health. As a consequence, medicines and doctors have become the regular necessities of our lives. Medical emergencies are needed to be handled immediately as negligence can provoke harmful results. The instant involvement of a medical practitioner can save the life of your loved ones. But to visit a doctor, we need to get an appointment first, which can be quite a time-taking process and chances is there to get the help late.

    Doctors do have a very busy schedule and it is quite doubtful to get them exactly at the time of your requirement. In such a condition, the online scheduling services can be proved pretty beneficiary for all those who have an urgency to consult a doctor. It is pretty fast and quick and the websites are easily accessible. But most of all, these sites provide a list of doctors and medical practitioners, from where you can simply pick up the right one for you. Below are some of the advantages you can get, if you book an appointment online from these scheduling services.

    Time-saving

    Time is a big factor at the moment of the crisis. A little wastage of time can create an unfulfilled loss forever. The appointment scheduling websites utilize the time in a tactful way. From cardiologists to the general physician, they provide a list of doctors who are specialists in various medical fields, which makes your pursuit quite easy and effortless.

    All-time availability

    A crisis can occur even at the midnight. You don’t know when you will need to consult a medical expert. These online sites offer you the freedom to schedule an appointment according to your convenience, without creating a disturbance to the doctors apparently.

    The contact details in handy

    Finding a doctor is not enough. You need the proper address of the medical specialist and need to acquire the contact information too. An online scheduling service puts all these details on the website beside the names, designation and the images of the doctors.

    Easy to assess

    These scheduling sites provide a detailed profile of the specialists, including their qualification and the previous works they have handled, by which you can compare their expertise. This helps you to pick up the suitable one for you.

    Reliable and convenient

    In case of a manual consultation, in spite of standing for a long time in the queue, chances are high of getting late due to the doctor’s delay or for the lack of time. But if you book an appointment online, these things don’t create any effect at all. You can easily get your work done in an expedient and hassle-free manner.

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    Source by Luther Martin

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