Friday, 28 February 2020

Parents 'must teach students money management skills'



Parents can play a significant role in helping new  holders adapt to living away from home for the very first time.That is the opinion of Yvonne Goodwin, managing director of the independent financial...

Parents can play a significant role in helping new  holders adapt to living away from home for the very first time.

That is the opinion of Yvonne Goodwin, managing director of the independent financial advisory firm Yvonne Goodwin Wealth Management, who believes youngsters will often need guidance if they are to cope with having complete control of their  balance.

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I'm Debt Free, When Can I Splurge?




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Wednesday, 26 February 2020

How Your Parents’ Attitudes Prevent You From Being Able to Attract Money


Most of us have very defined view of money, most of which were based on what our parents thought of money. 

When you think of your parents, and your childhood, were there discussions of money in your home, or was the subject taboo at the dinner table? Do you know what kind of salary your parents had or even if they had saved for your education?

In order to attract money, one of the first things you have to do is evaluate your personal relationship with money. In some households, the only talk of money is about the lack of it.  

These people don’t talk about the wonderful things they would do if they had money, they only talk about what they can’t do because they don’t have it. Instead of talking about paying off their bills, they talk about the huge size of their bills.

This is a negative attitude and one that will not attract money, but only serve to push it away. So, before you can use the Law of Attraction to attract money, you really need to first take a look at your parents and then yourself.

The ability to attract anything is based on changing your subconscious mind and training yourself, from the inside out, to look at things from a different perspective.

If you are able to change the way you think about money – expect it to come your way, plan what you will do with it, and feel that you really are deserving of it – then it will clearly be more apt to be attracted to you.

But, in order for that to happen, take a look back and old mom and dad and think about their view of money, and take a look at where that view got them in the long run. 

http://www.articlesfactory.com/articles/self-help/how-your-parents-attitudes-prevent-you-from-being-able-to-attract-money.html

How To START Investing Small - Kim Kiyosaki [CASHFLOW Clubs]




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Monday, 24 February 2020

Personal Finance Basics For Beginners


Most of the young generations find themselves clueless when it comes to investing in a business. People under 35 don’t even know their mortgage interest rates.

You do not need to be a financial expert in this field. Many financial advisors can guide you in the right direction at a very modest consultation fee. 

You should have basic knowledge of financial expenses otherwise you could find yourself facing a big financial disaster before you even achieve any considerable goal in your life.  

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7 Fastest Growing Remote Jobs in 2020




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Friday, 21 February 2020

How to Impart Important Financial Lessons to Your Children

How to Impart Important Financial Lessons to Your Children




In the February 14, 2018 podcast of The Armchair Expert, actors Dax Sheppard and Ashton Kutcher discuss how they grew up in the Midwest on the lower end of the socio-economical scale and are concerned about teaching their children the value of money (who are living in the vastly different world manifested from Hollywood success).

They are worried their children will have the opposite problem that they did – their lives are aided by the excess of money, not hindered by the absence—and wonder aloud together how they will raise successful children despite this new challenge.

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12 Easy Ways to Make Money for Teens




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Wednesday, 19 February 2020

8 Tips to Save Money on Your Electric Bill this Winter


8 Tips to Save Money on Your Electric Bill this Winter

Your kids may have less outdoor activities and be home more during winter break. We are also heating our homes.
If you are on a budget, you may be wondering how to save on electric bill spending during the winter.
Here are some thoughts.
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10 Genius Kids Who Became Millionaires Overnight




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Monday, 17 February 2020

THE BEST TIPS ON HOW TO SAVE MONEY FOR A HOUSE


THE BEST TIPS ON HOW TO SAVE MONEY FOR A HOUSE

According to one report, 76 percent of potential homebuyers said that they thought they could afford less than half of the homes that were on the market.
If you’re part of this group and are looking to save up to buy a house, keep reading. Explained below is everything you need to know about how to save money for a house.
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In Our 40s With NOTHING Saved for Retirement!




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Friday, 14 February 2020

5 Tips to Reduce Financial Stress in Your Life

5 Tips to Reduce Financial Stress in Your Life

There’s a good chance you’re going to experience financial stress at one point in your life. Sometimes, you simply have some expenses you didn’t account for properly that may start causing problems.

Nevertheless, it’s important you find a way to reduce financial stress because it will otherwise start negatively affecting other aspects of your life. 

This may seem hard to do at first since common issues like the expense of raising kids or paying off your student loan could be causing you the financial stress. Nonetheless, if you follow these tips, you’ll surely learn how to have everything under control.

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Rich Dad Poor Dad Summary (Animated)




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Wednesday, 12 February 2020

Wealth Principle #1 Rich People Believe "I create my life." Poor People Believe "Life Happens To Me."

Wealth Principle #1 Rich People Believe "I create my life." Poor People Believe "Life Happens To Me."

Wealth Principle #1 Rich people believe "I create my life." Poor people believe "Life happens to me."

If you want to truly create wealth, its critical that you believe that you are completely in control of every aspect of your life; especially in your financial life.

Remember, you are where you are financially because of decisions you've made; not someone else. It's the government, it's my boss, I don't have the education, etc. etc. but, in reality its your fault.


This is hard for people to accept but its true.

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Dave Ramsey Explains His Investing Process




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Monday, 10 February 2020

How To Become A Millionaire - Dave Ramsey Rant




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Family Budgeting: The Purpose Determines The Budget

Family Budgeting: The Purpose Determines The Budget




In these economic times, practically no one has the luxury anymore of joking “I can’t be broke – I still have checks left!” Managing your money is a necessity. 

Unfortunately, all of the information out about how to set up a budget almost always ignores the most important point: the purpose of the budget. Family budgeting has a purpose. 

That is either to stop or redirect spending, or to force savings. If your budget is not doing one of these two things, your budget isn’t really doing anything except increasing your stress. And no stress management system can fight against that.

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Friday, 7 February 2020

Top 10 Personal Finance Self Help Books

Top 10 Personal Finance Self Help Books




There are numerous informative and well-written books that can help you with financial management. Here is a look at the ten top finance books you should have on your shelf.

1. The Millionaire Next Door by Stanley and Danko

Click the link below to view on Amazon:

Based on an extensive research on the spending habits of millionaires, this book tells you how to earn and save money. The book discusses ‘next door’ millionaires, who have worked their way to riches in less than glamorous businesses such as pest-control services, rice-farming, contracting and planning weddings etc.
What separates them from today’s millionaires is their lifestyle and spending habits. These businessmen value their money, invest a minimum of 20% from their incomes and don’t spend extravagantly on clothes or accessories. This book also teaches you how to plan a budget and stick to it.

2. The Automatic Millionaire by David Bach

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This book tells you how to plan your finances using simple common sense. You can learn to make a better use of available financial tools to earn more money. The idea given by the author is about automating your finances by changing your spending habits and making wise investments. The “Latte Factor” that he discusses in the book tells you how you can save money for a financially secure life post retirement by making a commitment to reduce debts and cutting down unnecessary expenditure on cigarettes and lattes.

3. The 4-Hour Workweek by Timothy Ferriss

Click the link below to listen to this on Audible:


The 4-Hour Workweek is about the “New Rich”, who speed up their retirement plans to start living their dreams now, when they are younger. It is an easy-to-read book offering practical tips on how to work for just 4 hours a week and use the remaining time to do all that you want to.
If you are an employee, you can use the ideas in the book to negotiate a work-from-home arrangement with your employer, or plan a ‘mini’ retirement every year. The book provides a lot of ways on how you can outsource your business to enjoy the mobility and freedom to work from anywhere you want. The main point the author drives home is about spending less time to earn money and more time on pursuing your dreams.

4. Your Money or Your Life by Joe Dominguez and Vicki Robin

Click the link below to listen to this on Audible:

Your Money or Your Life offers a different approach to money management. Like The 4-Hour Workweek, this book also talks about the importance of pursuing your dreams. It discusses how to manage your money and time to spend more time on doing what you like to do and less on what you don’t. It gives you specific tips on monitoring your spending habits, identifying exactly what you want to do and contributing money towards achieving your goals.

5. Yes, You Can… Achieve Financial Independence by James E. Stowers


Click the link below to view on Amazon:
https://amzn.to/2OkpJmW

Written by the founder of Twentieth Century Mutual Funds, this book offers you basic finance lessons and teaches you the concept of investment using illustrative cartoons and images. To understand what kind of mutual funds can get you better returns and to make the most of your mutual funds investments, read this entertaining, informative book.

6. Secrets of the Millionaire Mind by T. Harv Eker

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In ‘Secrets of The Millionaire Mind’, the author focuses on your subconscious thoughts and believes that you cultivate your monetary habits right from the day you are born. He writes, in a humorous way, that you are rich or poor based on how you imagine yourself to be.
According to him, thoughts that make you feel you are not good enough to have money or that you will remain poor because of your ancestry are small thoughts that the poor have whereas the rich are committed to creating wealth and optimistic about their finances. The point that the author, Harv Eker, wants to stress on is that your mind should be ‘set’ on success if you want to achieve anything in life.

7. You Call the Shots by Cameron Johnson

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‘You Call the Shots’ is a book for young entrepreneurs who want to learn all about personal finance and entrepreneurship. This book is for anyone who has a passion for life and is committed to pursuing their dreams. A successful young entrepreneur himself, the author’s story tells you that the best way to achieve what you want in life and enjoy incredible success is by being an entrepreneur, who calls all the shots.
Cameron believes that with the internet making it easy to start and develop a business, you don’t have to work for an employer. He also gives you a thorough sketch of the strategies necessary to remove obstacles in your path and taste entrepreneurial success.

8. The Total Money Makeover by Dave Ramsey

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The author of this book, Dave Ramsey, compels you to look at rather extreme measures to remove all your debts. He tries to break the myths created by the credit industry and provides something known as ‘the debt snowball’ to solve your debt problems. If you are motivated to live a debt-free life, it may be wise to listen to what the author, who has a personal finance empire, has to say. The author tells you exactly what to do when you are free from debt and when is the right time to invest money. Though the book may be all about managing your debts, it is also a great motivator, encouraging you to stay debt-free.

9. Rich Dad, Poor Dad by Robert T. Kiyosaki

Click the link below to listen to this on Audible:

The book tells you how you can achieve financial independence and make money through investments, real estate and other earning strategies. The ‘rich dad’ and ‘poor dad’ discussed in this book have different approaches to wealth creation and spending. The book simplifies the complex world of finance by illustratively explaining the flow of money from your source of income towards your expenditure. It advocates that whether you become rich or poor depends on the way you spend your money.

10. What Color is Your Piggy Bank? by Adelia Cellini Linecker

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A small and easy to understand financial guide for kids who want to learn all about money and financing, this book is filled with fundamental lessons for kids aged between 10 and 14. It gives wonderful ideas to kids about identifying a passion or interest, like party planning or after-school arts and crafts lessons, which they can take up to earn some cash. The author has kept the chapters short and the content straight-forward catering well to her young readers.
These top 10 finance books not only offer a great reading experience, but also provide valuable financial advice. See if you can find these books at your local library or buy one that seems interesting from the above list from a bookstore.

WARREN BUFFETT: THE SNOWBALL (BY ALICE SCHROEDER)




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Wednesday, 5 February 2020

How young is too young to teach kids about money?

How young is too young to teach kids about money? (From Westport News)




I'm lucky to have many readers who pass along articles they come across on financial literacy.

I finally had some time to catch up on my reading and came across two very different articles that sparked my interest on the topic of what age we should start teaching our kids about money. They were polar-opposite opinions that said:
According to "Financial Literacy? It's Elementary," by political writer Burwell Stark:

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RICH DAD’S GUIDE TO INVESTING (BY ROBERT KIYOSAKI)

Monday, 3 February 2020

Why isn't Financial Education Taught in Schools?

Why isn't Financial Education Taught in Schools?


If ever there was a time for better financial education then surely it is now? When you look at the state of many of the economies around the world it’s a mystery why financial education is not compulsory schools. It is easy to blame banks, big business or governments for the current climate but it is the education of individuals that need to change.

At school, we may have learned some skills necessary to get a job, but nobody tells us how to create or manage our wealth. If we cannot educate ourselves on ways to obtain and retain our money, we are headed for a future financial disaster.

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CASHFLOW Club Tips: The Key to Financial SUCCESS is to Understand THIS - Kim Kiyosaki




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