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How To Become Financially Independent A Financial Advisor Shares Tips

financeFor many people, gaining financial freedom is really a challenge. However, financial experts say that people should be financially independent by the time they’re 40 years old. This means they have enough money in the bank that they’re continuously growing, and that they are free from debt.

This is the ideal situation. Unfortunately, many people today struggle in their journey toward financial freedom. A trusted financial advisor claims that many people tend to have a lot of unhealthy financial practices, and one of them is emotional spending. So many people are guilty of making financial decisions based on how they’re currently feeling, which is truly a dangerous way to live.

Indeed, when people are emotional, spending loses rhyme or reason. According to a financial planner, people can work this to address personal financial management concerns. If you’re an emotional spender and you let your weakness rule over you, this is certainly not something to be proud of. So, if you wish to turn things around for your personal benefit or to avoid harming the family that relies on your ability to stay on top of your expenses, then you really must learn to stop giving money power over you.

Stop thinking that money is specifically tasked with making you happy; not only is this a crippling inclination, but you’re also setting yourself up for a future of debilitating debt. For smart wealth management, most financial planners advise emotional spenders to keep themselves in check. It takes practice, but anybody can learn to recognise those feelings that propel them to spend. Along with this, it’s important to overhaul their entire spending philosophy.

One effective trick to implement is to stop carrying credit cards because these can provide a false sense of liberty to spend money that they don’t actually have. Another tip they provide is instead of spending, opt to save. Saving can be just as thrilling an experience as spending because when you save, you actually honour yourself. You work toward protecting yourself from the economic hassles of the future.

How To Get An Early Advance On Your Inheritance

finance2If there is someone that has died and has left an inheritance for you, then there is a legal procedure that has to be carried out, which also takes quite a bit of time. However, there can also be expenditures that you might need to take care of, and for that, you’d need cash early on. To assist you in such a situation, there are a few ways by which you can get your inheritance faster.

Some of the things that you will be required to do so as to get an advance on your inheritance are –

• Check if you can assign the inheritance – In a lot of cases, what happens is that you can assign your inheritance or transfer it to a lender in exchange for money. So, first and foremost, you need to check with a lawyer and see if you are allowed to do that or not. If you are, then you can easily go for this option and get your money instead of waiting for all the legal formalities to get over.

• Ensure that you qualify for an advance – The sum of your inheritance must qualify for an advance. This means that you must ensure that your inheritance amount is at least as much as an advance that can be given out.

• Have a consultation with your attorney – Talk to your estate administrator before going further with getting an advance because it will usually be less money than your inheritance would give you. Also, you must ensure the amount you will get is correct or not, with your attorney.

• Alert your estate attorney – You must have a word with your attorney without going further with the advance assignment. Also, all the details must be furnished to your attorney, so that they can carry on with the necessary procedures.

• Get all the required documents – Once you have decided that you will go for the advance, the next thing for you to do is collect and gather all the necessary documents to carry out the process smoothly. You must have all the documents, like the official death certificate, the will’s copy, probate court letters and documents, your identity proof, etc.

• Speak with inheritance lenders – Once you have all the necessary documentation in place, you must reach out to all the lenders in your locality and have a word with them. You could also conduct a research online to check which lender is giving you the best deal and then go for the one that suits you the best.

Money and Power Are Carrots Leading Men On

f3When most men think of success they think of wealth and the admiration of others. They rarely give thought to the Spirit of the Universe that drives them and creates the paths down which they are led. They see money and power and literally are pulled into the world of finance and manmade systems to achieve their goals. It is the fate of the male child who is reared with indoctrinated notions of superiority.

Those men who think otherwise are the ones who ignore so-called success for their inner sense of spirituality and knowledge. They are more likely to dedicate their lives to servitude. The question then is who are they serving? Is it their ego or God?

Money is manmade and a creation for exchange of goods and accumulation of wealth. The financial system is based on an uneven surface and a rocky road that may also lead to disaster. That is more visible now as we enter the last days.

The expectations of society are that men make good in life. That means they must aim for goals that will return them power and status. They are the providers and the one who needs them the most is the Spirit of the Universe, the real God.

Reincarnation is a wakeup call and those with memory of such are least likely to crave the things of the world as their path is set. It links them to the Great Spirit and they seek a different kind of success, that is one that brings them spiritual power and leads them away from worldly things.

The prophecies explain that in the end all people will be back in their bodies at the end of days (Job 5:19-22, Isaiah 26:19). That time has arrived and the promises are fulfilled. The large population shows that all have returned and the outpouring of the Spirit over the children of Israel, that is those who are spiritual, is happening worldwide (Ezekiel 39:29).

Another promise now kept is that God will address a great controversy (Jeremiah 25:31,32) through the appearance of the Mountain of Zion at the end. This is the high towers that all people will flow to and there they will learn the truth. It is the Internet and everything is revealed thereon in its multiplicity of information.

Why Money Rules the World

f4It seems outrageous that leaders can lie their heads off during campaigns and then use one excuse after the other to avoid keeping promises once they secure their positions. It is the same in every country where democracy is practiced and yet it is against the will of the people to give in to liars and cheats. In Australia, where elections will be held on July 2nd 2016, questions are raised about donations to the two main political parties.

Evidence presented on a local television investigative program, Four Corners, shows why? It appears that big companies who donate large sums to their preferred party gain access to politicians and even the Prime Minister to influence policies that will advantage their business. While nothing is admitted along these lines the evidence is compelling.

Every election costs millions for advertising and in campaign expenses. Leaders fly all over the country as they criss-cross it many times while the press follows. They set up meetings and engage in handouts for services in seats they feel they can win while ignoring those that are firmly in the opposition’s quarters.

Their funds are mostly raised from donations so why wouldn’t those who give expect something in return. The bigger the company the more they give while small operators who either give less o nothing at all are obviously left out in the cold.

If this is the way politicians get elected and those in business operate then it proves conclusively that money is running the country. Greed and an uneven playing field ensures that those with the deepest pockets are the winners and they will see that their ‘man’ is elected whatever the cost.

This doesn’t only happen in the election in Australia but is an obvious practice in almost every country, whether democratic or not. Ignorance starts with secrecy and avoidance of the truth. The inequality promoted by such practices allows the cheats and liars to gain office and this is shown in the increasing rise of the rich against the increasing poverty of the poor.

My interest in politics and finance is sparked by my reincarnation and knowledge that humans are followers of the two beasts of Revelation. The second of these is Constantine who established the Catholic Church and set up the financial system of the World Order. He has caused the financial crisis that looms over the world by his work and the wall of confusion he built.

Why Money Is Worth More Than Life

f20It is the great trap that has misled and conditioned people since the time of the Roman Empire. Prior to this people traded in goods and clay cylinders and tablets of ancient times verify that money was never used. The rise of coins was gradual and at first untrustworthy as merchants were used to dealing in exchange. Two sheep might have been worth one cow or a sack of barley, and these exchanges are recorded as such.

Only with the introduction of iron and complex alloys could money be minted and the first coins are primitive in design and some carried the king’s likeness while others might bear other images. ‘Exchange’ is the same as ‘X-change’ or ‘changed by the cross’ and that concept needs explaining.

Following my reincarnation and with a strong link to the Spirit of the Universe, the real God, it took me back in time to the origin of religion and the first crucifixion. It showed me the Mother God of Babylon and how it reigns supreme to this day. The identity of the two beasts of Revelation was also made known and the story is now complete.

At the age shown to me between lives the Spirit commissioned me to tear down the wall of blindness manufactured by religion and bring in the harvest. We are in the last days and the prophecies are coming true.

It takes thousands of pages to explain and the Internet is the mountain of knowledge given by God for this time. It is spreading the truth as everyone has access to it and the light it exudes is rocking the foundation of the wall and ripping it down. The rest is up to people to make use of it and seek the Spirit before it is too late.

Money is the handicap, however, as the majority prefer it to their chance for eternal life. They neither understand nor care what God has revealed because their greed for wealth and man-made power is paramount. They will even die to protect their fortunes and eternal death awaits them.

Things You Must Know About Financial Services

f19Financial services refer to the services provided by the finance industry. Also, this term is used to describe organizations dealing with the management of money, like credit card companies, insurance firms, investment banks, stock brokerages, and banks. These are the types of firms that compromise the market, providing a wide range of investment and money-related services. In terms of earnings, financial services are considered the largest market resource in the world.

Important Things You Must Be Aware Of

Generally, these services are not limited to the field of deposit-withdrawal, investment, and loan services; but rather in the fields of estate, securities, insurance, trust services, and all forms of financial intermediation like the distribution of financial products as well.

Every day, the needs and expectations of consumers are growing. Hence, making the mark in boosting personal wealth becomes a necessity. Intense competition has cuddled market margins as well as forced plenty of companies to cut costs whilst improving the quality of customer choice and service.

As most organizations are striving to be more entrepreneurial and innovative, the war for talent is escalating. And as the products become more complex and the business environment more uncertain, the risks increase. At the same time, rules and regulation are the tightening highlight within the reach of government and public pressure for improved transparency, supremacy, and accountability.

Today, the winners are those firms transforming the challenges into opportunities to establish more enduring and stronger customer relationships, unlock creativity and talent, and to sharpen their process efficiency. Apart from that, these companies also view these challenges as a means to boost their risk management processes so they can deliver more sustainable returns. Furthermore, they use used regulatory demands as a catalyst for improving market confidence and strengthening the business.

The challenges in the financial services market are indeed forcing the participants to keep pace with technological advances, as well as to be more efficient and proactive whilst reducing risks and costs.

Today, there are already a lot of companies working hand in hand with reputable financial organizations around the world to develop a very sound networking strategy for connecting firms with suppliers, employees, partners, and customers.

Indeed, the financial services market is dynamic and diverse. There are plenty of important things you must be aware of to better understand how such industry operates. It is certainly an ever-changing, high-growth, and versatile market. Businesses with various needs must know that such market offers several selections of suitable financial services.

How Does Advance Inheritance Work

f18To see a loved one die in front of your eyes is really bad. I have personally seen my grandparents leaving us alone and crossing to the other side. It was heartbreaking to see them take their last breaths in the same bed.

But not every individual has the same bond with their loved ones. There are families that have a lot of complications and problems within them. Sometimes, some parents don’t get along well with their children and vice versa. It all depends upon how you maintain your respect and bond with your loved ones.

But there are also families, which are closely knit together. Some of the parents earn well and leave a huge amount of property for their kids. No doubt money can’t replace them, but it is nothing, but their blessings and good wishes for their children.

If you have recently suffered from the loss of a loved one, you surely know how difficult it is to cope up with his death. However, if he has left something for you in his will, you should consider yourself lucky; not everybody gets such a gift!

However, it is not easy for you to get the money or property soon. There are hundreds of formalities that are expected to be completed, before you get the money in your hands. This is the only reason why people opt for advance inheritance, so that they use the money to meet their needs, before they are blessed with the money or properties.

‘How does advance inheritance work?’ You wonder. Here is how it works:

• You need to search for a particular company, which is into such a service. You can surely take the help of internet to get the best companies, out of which selecting one isn’t a major problem.

• The website then asks for certain details from your end. It may also need some of the personal details, which you surely have to fill to get the loan. Once you fill in the basic information related to the estate as well as your relationship with the deceased individual, the details go for confirmation.

• After confirmation and finding out about your share in the inheritance, the company trusts you. It then provides you with an advance loan on your inheritance and waits for the day when you bang your luck in the court.

• The moment you receive your inheritance, you sell it for a good amount of money. As soon as you get your money, you then assign a small portion of it to the advance inheritance company.

5 Questions You Should Ask Your Financial Advisor

f17Managing your wealth, no matter how big or small, is a cumbersome task. Your financial advisor helps to keep your money safe while making it work for you. Before you start working with someone, ask them these important questions.

What Certifications Do You Have?

You need to know what licenses and certification your financial advisor has. Most of the top consultants are certified public accountants, fund specialists, consultants, or analysts. Some even carry a Juris doctorate and insurance licenses. While everyone has to start somewhere, you want to work with a firm that has extensive experience in the field.

What Safeguards Are in Place to Protect Assets from Fraud?

Your assets need to be protected by a reputable custodian. When you ask about safeguards, you should also ask about any infractions he or she has received in the past both with the firm and as an individual. To provide you with the best service, your financial advisor should be a fiduciary.

Consultants with a strict code of ethics have standards that they share with their clients. However, no matter their standards, they should be in compliance with Financial Industry Regulatory Authority, state and regulatory agencies, and the Security’s and Exchange Commission.

What Are Your Fees?

When it comes to fees, your counselor should be 100 percent transparent. He or she needs to explain his or her exact fee structure, so you understand how you are paying. Some are fee-only, meaning they provide a flat rate for services rendered.

Some investment consultants charge a commission fee. That means they make money off each product you purchase to help your investments grow. It is important to know which one you are working with, or if you are with someone who charges a fee in addition to earning commissions.

What Access Do You Have to Earning Reports?

As your financial advisor, he or she should have direct access to the top holdings of where your investments are. He or she needs to be able to tell you immediately what the earnings report is anytime you call.

At the very least, he or she should be able to educate you on your holdings before any investment of assets. By educating you on available options and what assets are invested, you can better understand what the consultant suggests.

How Often Do You Communicate

When it comes to letting you know how your money is doing, the counselor should be open to communication. He or she should send out weekly announcements about the market. Also, you must be informed of trade notifications immediately and receive an explanation on every buy and sell option. Most firms also send out information about their monthly investment outlook as well as a quarterly outlook. Brokers also offer to keep their customers informed with educational information and fact sheets.

Save Money The Easiest Way To Save Money

f16We are consumers. We simply need things such as gas for our cars, insurance, phones, groceries, furniture and many other things. All of these things require money! Unfortunately, our economy is not good. Luckily, it’s slowly getting better. But even when our economy gets better, wouldn’t it be nice to save money on all the things we need? Wouldn’t it be nice to have an a few extra thousand dollars in our pockets each year? Well, you certainly can! The best part about it is it’s incredibly easy to do!

No more searching online for hours trying to find the best price for your purchase! The way to save an extraordinary amount of money is via saving money memberships! More specifically, lifetime saving money memberships! I am going to go over the 3 things you need to look for before getting any type membership like this!

1. Duration – You can get one that only last for a few months or years but if you’re looking to save thousands of dollars each year then your best bet is to find a one that offers a lifetime holding. Especially if you enjoy the benefits, it would be ideal to continue to enjoy it for the rest of your life. There are plenty of lifetime holding ones out there, however, if you can’t find one you like that offers that then at least look for one that has a long duration. A 10 year or even a 15 year saving money membership will do some great things in terms of adding more money into your wallet.

2. Do The Math – You have to look at the price! If you are looking to get a lifetime one, you may have to pay a decent chunk of money. But it’s important to remember that it’s a one-time payment. You also have to make sure you’ll be able to save more than you originally spent or else it kind of defeats the purpose. Doesn’t it? If a saving money membership with a lifetime holding requires a one-time $5,000 payment but you are able to save $2,000 each year, do the math! That’s a great saving money membership! You will be able to save more money then you originally spent after 3 years! After the 3 years you will be smooth sailing! Be sure to do the math before you freak out about the price!

3. Look At The Benefits – If you want to maximize your savings you’re going to have to look at the benefits! Look for a saving money membership that has a ton of benefits! If you get one for gasoline, you need to make sure you purchase a ton of gasoline each year! There are several out there that allow you to use it on almost anything! There’s no need to limit your savings! As I mentioned before, it would be nice to save on a wide variety of things and you certainly can!

Which Deposit Accounts Are Right for You

f15When it comes to storing money, where it ends up can make a difference. Whether the goal is to let money rest in place and build interest from investments, or be readily available for spending and paying off bills, several accounts can meet these needs. It is common to have a number of options to accommodate various financial goals. Here are some of the more popular deposit accounts available.

Checking

When it comes to deposit accounts, checking is the most standard type available. This is basically a place to collect money that is intended to be spent. They are usually free if a certain balance is maintained, but they may charge a small fee. This resource will give owners the ability to transfer funds, spend, and write checks. A checking account is a smart choice to have for paying bills, day-to-day spending, and collecting paychecks, but do not expect much (if any) interest.

Savings

These are where money can be stored and saved for a rainy day or some other type of investment. Savings accounts are a reliable way to put money aside and let it build through interest. They offer no investment risk for the owner or the bank. Their investors use the stored money and in return reward the owner in the form of interest payments. Unfortunately, the 15% interest rates of the 1970s have been replaced with 2-5% interest rates. That being said, owners can remain at ease by putting their money here and watching it grow.

Money Market

A sort of hybrid between checking and savings, money markets maintain higher interest rates but are subject to greater withdrawal amounts (six instead of three). This higher interest rate is the result of pooling the money into a different fund that is used by investors to produce higher profits. Since this is a more aggressive form of investing, there is more risk associated with it. At no point in history have these deposit accounts ever actually lost money. With the risk being this low, the higher interest rates are widely accepted as a smart trade-off for the customer.

Certificate Deposits

Also referred to as time deposits, this lesser known variety is a great option for safe investing. These get their name from the fact that the owner agrees to let the money remain in place for a certain amount of time, allowing the interest rate to accrue exponentially as the time passes. Because the funds have restricted access, owners can expect a higher interest rate. The money is heavily taxed and penalized if the agreed upon time has not passed; therefore, these are not ideal for anyone who does not have savings and a reliable source of income to supplement their spending. Owners should talk to their bank about the maturity dates offered. Maturity dates are the amount of time that has to pass before money can be withdrawn. This will allow the owner to know how long they would need to leave their money in place before withdrawal.