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| What do I do with 20,000.00? |
| posted by: 1comingback @ Fri Jul 03, 2009 5:43 pm |
Hello All:
Wonder if anyone can help me out. I am debt free. I live rent/mortgage free and I dont have a need for a car (use the company's). I make between 60,000-80,000 a year. I have been in my current postion for 1yr and change. The company has never laid off in 40yrs. A healthcare related business pretty stable. I have saved 20,000 so far this yr but have been a bit nervous about doing anything with it due to the economy (it just in a regular savings account  ). I have 401k at work. I want to be able to access about 5,000 of that ... |
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| Comments: 0 :: Read More >> What do I do with 20,000.00? |
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| A Potential Way to Drive Targeted Traffics to Your Website. |
| posted by: Bornwinner @ Fri Jul 03, 2009 11:27 am |
In terms of marketing online,they are lots of ways how to go about doing it.Some are absolutely free while others need money to start advertising.Whichever marketing strategies a person uses,it is adviseable to go slow first,test it out first,monitor the results and return on investments ( ROI ).The important thing is to focus on what work so that money and time will not be wasted.
If money is the issue,it is highly advisable to start with the free methods that works.One way is to write short,eye catching advertisements and place it at signi... |
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| Comments: 1 :: Read More >> A Potential Way to Drive Targeted Traffics to Your Website. |
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| The Possibility of Working Less and Earning More Money. |
| posted by: Bornwinner @ Fri Jul 03, 2009 10:10 am |
Hi guys,
In terms of earning more money,there are many ways to do it.A high percentages of people choose to do work primary for the money without long term planning and careful consideration of what did they like to do in life.This is very risky as majority quit when the situation get tough in the process of earning more money.
To make things a lot easier,i suggest earning more money by doing work that you are passionate in doing.The guideline is that this must be something with money making potential that you like to do everyday.The pass... |
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| Comments: 0 :: Read More >> The Possibility of Working Less and Earning More Money. |
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| Can money buy happiness??? |
| posted by: avont78 @ Fri Jul 03, 2009 12:22 am |
They always say money can’t buy happiness…being rich doesn’t mean you’ll be happy…but wait till you are poor. I’d much prefer being rich than being poor.
If you are not happy when you are rich..will you be happy when you are poor? Some people are poor but they live happily with fulfilled lives…these same people will still be happy and live fulfilled lives when they become rich.
Being happy is just a mental state of the mind. Happiness comes from within and should not be controlled by our external circumstances. Happiness is a mental state... |
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| Comments: 0 :: Read More >> Can money buy happiness??? |
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| How to get RICH slowly?? |
| posted by: avont78 @ Thu Jul 02, 2009 4:23 pm |
Well the reason why many people get conned by get-rich-quick schemes is because they are too greedy, they want to get rich quickly!
But given time and discipline, everyone can get rich eventually and have a comfortable living and retirement! Actually the steps are simple, it just take patience and discipline:
1) Pay yourself first every time you get your salary! Save at least 10%
2) Build up your emergency fund first (at least 6 months of expenses)
3) Then start channeling your monthly saving into investments (better to set up an au... |
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| Comments: 4 :: Read More >> How to get RICH slowly?? |
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| How to get poorer and poorer slowly??? |
| posted by: avont78 @ Thu Jul 02, 2009 3:40 pm |
Well apart from excessive spending and being in debt, I guess the way to get poorer and poorer slowly is to put all your money in the bank!
I'm not sure about your situation over there, but here in Singapore, the bank savings rate is a meagre 0.25% and a fixed deposit interest rate is 1%. Well the average inflation is about 3-4% which means the value of your money is decreasing slowly over time if left in the bank...and can you imagine the value of your money left after many years in the bank??
That's why it is so important to invest and ... |
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| Comments: 0 :: Read More >> How to get poorer and poorer slowly??? |
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| How do you eat an elephant??? |
| posted by: avont78 @ Thu Jul 02, 2009 3:27 pm |
Well the answer: Take one bite at a time!
I guess the same also applies for investing money - take one step at a time.
We will set a goal on a fixed amount to save every month, and we could put this amount into a low cost index fund month after month. Using the principle of dollar cost averaging (the same amount will buy more shares when the market is down, and it will buy less shares when the market is up) and the fact that market tends to go up in the long term, step by step we will move towards our goal of a comfortable retirement. |
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| Comments: 0 :: Read More >> How do you eat an elephant??? |
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| Debt settlement as a method to help reduce your debts |
| posted by: 360Modify @ Thu Jul 02, 2009 2:50 pm |
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A debt settlement process is not meant for everyone however, it may be something to look into. Debt settlement is a method to help reduce your debts where the creditor and the debtor both agree on a repayment balance. The new payment balance will be used to consider the debt as paid in full. The debtor must consider that if he or she is making the minimum payments then the creditor is not obligated to negotiate a reduced balance. Therefore, the debtor must be behind on payments where they incur a higher balance due to late fees and missed payme... |
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| Comments: 0 :: Read More >> Debt settlement as a method to help reduce your debts |
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| Installments Vs Line of Credit |
| posted by: lrweeks1120 @ Thu Jul 02, 2009 2:06 pm |
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We went to a financial adviser for advice on establishing my wife's credit to qualify for a mortgage loan. They said that she would need to have at least 3 accounts on her credit report and the best way is to have 2 lines of credit and be paying on or paid off an installment loan. We don't really want to buy a car or anything big like that so I wanted to see if anybody knows of any other ways to get an installment loan. Most smaller things like buying jewelery or computers just give you a line of credit. Any suggestions? |
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| Comments: 1 :: Read More >> Installments Vs Line of Credit |
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