Tuesday, December 30, 2014

Topics to Explore in 2015

- extreme saving
- alternative investing
- DIY skills and self-education
- what the numbers and ratios mean
- questioning what "they" say
- killing your tv

And finally make a big list of to-do 's, should-do, and dreams.  Pick and item and get started.

You should never be bored.

2015 is your year.  Get to work.

Be Resolute and Confident in 2015

Hey Mr and Mrs Peerless,

Be resolute, confident, and assertive in 2015.

Don't let your health or finances decay in 2015.

Chase your passion with all your energy and all your soul.

Make the decisions you need to.

Keep thought cops, nosey, and #batshitcrazy out of your hair.

Don't worry about the judgment of the non-judgemental thought cops and other parasites.

Go to www.renegadeuniversity.net and make a written plan for 2015.

Leave #batshitcrazy or give him some candy. But get to renegade university dot net and see how you feel after reading the two pages of quotes.

#Batshitcrazy won't approve.

Be resolute. Be assertive. Be confident.

2015 is your year.

Saturday, December 27, 2014

9 Personal Finance Ideas for 2015

1) Bank gas savings.  Invest or pay off debt with the cash you save at the pump.  Use your store rewards card and save a little more.

2) Ask your new U.S. Representative to repeal laws that discourage overtime.

3) Call your creditors and ask for better terms.  If your creditors say yes, you can pay off debt faster.  Shop around if the answer comes back no.

4) Open a second checking account.

5) Start using TOR and Lifelock.

6) Keep an eye on oil & gas stocks.  Buy some DVN when gas stocks bottom out.

7) Use YouTube, your library, and/or Kindle Unlimited for self-education and DIY projects.

8) Use Vanguard Index funds.  Calculate what you save on fund expenses over 10 or even 40 years.  Find out how much all expenses you'll incur with each account and fund.

9) Another idea is to open a brokerage account at a discount brokerage.  Holding 10 to 20 good stocks is cost effective as well.  Again: compare fees.  10 or more well chosen stocks can be as good as a mutual fund.

Sunday, December 7, 2014

10 Personal Finance Ideas That Help the Most

There are things you can do to improve your personal finances, and even make your retirement possible. This article contains ten common sense personal finance ideas that could power you through to your financial goals.
1) Find a way to save, invest, and earn what you need. You can volunteer for overtime. You can search for part-time, casual, and seasonal employment. Could you get a less expensive home closer to work? Get good (for real) at work that most people aren't good at. Become the "go-to" person at work.
2) Get out of actively managed funds. In Money mastery, Tony Robbins explains beyond a doubt, you want index funds, not managed funds. You'll save tens of thousands in fees.
3) Buy an annuity or two from Vanguard. Vanguard offers very low fees. Why give retirement funds to a salesman? If you are worried about retirement income and/or young, it's a good idea to have an indexed annuity or two that mature when you are 70.
4) If you have extra funds that you could afford to lose, consider speculating in individual stocks. If you have market experience, are smart, and are willing to learn, you could search for stocks on your own.

5) Invest at least half of all pay increases. If you're young, this one makes all the difference.
6) Back to saving. Eat cheap most of the time. Go to a discount outlet (or farmer's market) and buy produce, bags of salad, ravioli, chicken, tuna, and staples. It won't hurt your health.
7) Resist pressure from salesmen, bad "councilors," phony friends, and TV to put on the dunce cap. Be wary of trolls making problems in your circle or at work.
8) Buy protective "puts" for large or risky holdings. A related rule is to "play with the house's money." That is to take your principal and leave profits invested.
9) Take the long-term view. Maintain a short-term focus and a long term vision. Ask yourself where your spending, employment, investing, and how you spend your spare time are leading you long-term.
10) Choose to give your brain a work out. Ask yourself questions like:
- How can I afford it?
- Why not?
- What if?
- How can I _____?
- Is there a better way?
Incorporating these ideas and more ideas that I'll lead you to, will lead to a bigger net worth in a few years.
I have no connection to Tony Robbins. BUT, read his book!
I have been the web master of http://www.renegadeuniversity.net since 2006.
You'll find almost 1000 more ideas at Renegade University. Plus, you'll find motivational quotes and videos to help you escape the rat race.
Article Source: http://EzineArticles.com/?expert=David_Drews

Saturday, November 8, 2014

Ultimate LTBH ETF Portfolio

What do you think of this?

One ETF with the following funds:

20%  SP 500
20%  VNQ (Real estate index, U.S.)
20%  Biotech index (FBT, IBB, BBH)
20%  Robotics etf (ROBO)
20%  CLM income CEF

There could be a second ETF that uses leverage on the above portfolio.   A leveraged ETF would provide a hefty dividend.  (One could use PIP in place of CLM, as CLM is a CEF).

You could add an India ETF too.

No promises or guarantees of any kind implied.  This isn't really an "ultimate" portfolio.

Happy hunting.

How to Achieve Short Term Goals

It can feel like a daunting responsibility to embark on achieving your upcoming objectives. This overwhelming feeling can lead us to energetic stagnation making us confused and sad. Once these feelings take root we could benefit from an external boost to return to empowerment and mental clarity. Below are three steps that you can use to find your way out of the cloud to achieve your short term goals.

Move in the direction: Once you know the short term goal you want to achieve, start moving yourself physically in that direction. If you have a full-time job then, it is imperative that you begin to write a schedule of when you can do one or two objectives per week in the direction of accomplishing your short term goal. If you want to be a real estate agent then, you start by finding out what classes are available, what real estate trade organizations that you can join and read success stories to learn how others are thriving in your career aim. An important step towards achieving your short term goals is to move in the direction of what you want to do.

Gratitude Practice: When starting a journey to accomplish an objective it is easy to see what is missing or wrong with us. However, practicing gratitude keeps your mind open to possible opportunities and ideas that you would not receive if your mind is full replaying the lack and negative thoughts from your mental playlist. If you have a job that you do not like at this time, be grateful of the income that it provides that enables you to join a real estate organization and have access to all of its knowledge. Teaching your mind what to think and discard is a requirement when working toward short term goals. A success coach can show you how to work on discarding your negative thoughts.

Visualize: When you are sitting around and your mind drifts back to lack or 'what's wrong thoughts,' redirect them by seeing yourself living the life you want. If you need some help visualizing, write it down. The physical action of writing can lead your thoughts in the direction you want to go. Going back to the real estate example, if you want to become a real estate agent or broker in your area see yourself showing beautiful homes to prospective buyers. In your down time, watch Million Dollar Listing and see yourself showing and serving your clients excellently to get their dream home. These actions will support you in accomplishing your short term goals.
Although it is easy to agree with and believe the above steps are beneficial to reach short term goals, it is difficult sometimes to do them. Just as New Year's Eve resolutions, we start out well but then one thing leads to another, and we stop. We will write down our goals and resolutions, but not complete one thing we had listed. Before you realize it, one incomplete task becomes two then three. When this happens, contacting a success coach would be helpful. Success coaches can see your goals and co-create a plan of action when you feel confused on how to get started and support you in the process. Success coaches are your accountability partners; they believe that you can accomplish your goal, and they inspire you with ideas regarding actions you can take to reach your short term goals.
There is a practical approach to achieve your goals. Actions, thoughts and beliefs can turn your life around when they are all compatible and moving toward to the same aim. If you find that you are in need of support, you are among many that also have the same situation. If this happens contact a success coach to help you move forward, get clear, empowered and reach your short term goals.

JoAnn Youngblood King is a CTA Certified Success Coach, Author and Owner of Live Your Potential is a member of the Coaching Training Alliance, the Association of Coaching & Consulting Professionals on the Web and the International Association of Coaching. JoAnn, who has a diploma in Small Business Management, is a Business Trainer and Facilitator for Project Enterprise, an organization that provides access to business loans, business development services and networking opportunities for entrepreneurs and small business owners. To find out more about achieving your goals visit http://www.liveyourpotential.blogspot.com/2014/09/a-success-coach-helps-you-activate-your.html
Article Source: http://EzineArticles.com/?expert=JoAnn_Youngblood_King

Invest Like a Rebel

If you want to build wealth by investing in stocks it pays to know something that others do not know. Accomplishing this is deeply related to investing in an unconventional way, or investing like a rebel.
First there is the basic principal. The majority of people are not interested in stocks yet most of those people would agree that they could use a few extra bucks. The basic principal of knowing what others do not relates to your interest in stocks and the recognition that investing in them can be financially beneficial. That realization is important because a lot of people don't make that connection and will never buy a stock. Simply knowing this and acting on it puts you ahead of the wealth building curve and solidifies your unconventional nature.

The basic principal of knowing what others do not refers to an advantage in knowledge versus the general populous. However, to be a successful investor you must evolve to know something that most other investors do not know. This proves to be more difficult. In my experience, you can gain a considerable investing advantage when you get to know something that most other investors do not know. To me, if you can't find an advantage in stocks it's best to just buy an index fund.

Gaining an edge in stocks is deeply rooted in being unconventional and investing like a rebel - and most investors do not know this. Generally, investors are comfortable staying with large well known blue chip stocks, and sticking to conventional wisdoms like 'you must diversify' and 'no more than 5% of the portfolio in one holding'. It makes sense that if you invest like everyone else, you'll probably end up underperforming the index, just like most professional mutual fund managers. So the goal is to avoid the common methods of the masses of underperforming mutual funds. As a do it yourself investor you can enjoy freedoms that fund managers do not have. There is no need to worry about a director or manager criticising your every move. It's easier to invest outside the box and adopt a rebel mentality.
In my opinion, rebel investing means exclusively sticking to small and medium sized stocks as opposed to the big dinosaurs the funds own. It means not diversifying in sectors you don't understand - personally I avoid mining and oil and gas stocks all together. It means not benchmarking or following any allocation rules - feel free to have 25% or more of your portfolio in one stock. It means sticking to underfollowed, simple, easy, growing businesses at a fair price and avoiding the widely known stocks that are constantly covered in the media. It means having the temperament and conviction to let your winners run.

Whatever rebel investing means to you, it always helps to have a solid foundation. Learning from the past great investors is the best way to develop the basics. I recommend Peter Lynch, Warren Buffet, Ben Graham and Ken Fisher. Also a must read is Reminiscences of a Stock Operator. In my experience, a basic investment foundation paired with an unconventional investment method is a framework for outperforming in stocks.

John Laframboise is founder and author at http://www.riseofamillionaire.com, a personal finance Blog that follows his progress to become a millionaire. John has held positions within the Canadian banking industry and has a Bachelor of Commerce from the University of Windsor in Canada.
 
Article Source: http://EzineArticles.com/?expert=John_Laframboise

Wednesday, November 5, 2014

Try Afformations Instead of Affirmations

Afformations are a different way to bring what you want to your life...
I've been practicing positive affirmations for the last year and they have been working for me.
I just read about AFFORMATIONS and I think the two methods can work for anybody, as you BELIEVE (and feel) in what you are saying. If I say, "I'm happy today," I need to believe that I'm a very happy person, and I start to look for reasons to be happy. I think it is the same as if I ask, "Why am I so happy today?" - so I need to give myself some reasons, too!
Noah St. John, author of The Secret Code of Success, has created The Afformations Method. He maintains that the subconscious mind responds to questions instead of conscious statements (i.e., affirmations), and this is why your life may not change when you are saying affirmations.
Using Noah's method, instead of saying, "I'm feeling good today," you need to say, "Why am I feeling so good today?" And your mind automatically begins to search for an answer to your question.
Noah describes two types of questions: Empowering and Disempowering questions. Disempowering questions are the ones we ask ourselves in negative self talk: "Why do I feel so bad today?" "Why can't I get the things I want?" "Why am I too fat?" Asking yourself these kinds of negative questions will give you negative results, like negative affirmations will.
"Empowering questions cause your mind to focus on the positive. The only answers to empowering questions are answers or experiences that produce feelings of self-esteem and a positive self-image! Empowering questions lead to answers that tell the Truth about Who You Really Are," Noah says in his book. "The purpose of The Afformations® Method is to change your disempowering questions to empowering questions."
Disempowering question: Why am I a lonely woman?
Empowering question: Why am I a popular woman?
Disempowering question: Why am I such an ugly person?
Empowering question: Why am I so pretty/handsome?
Of course, you need to be aware what kinds of questions you are asking yourself, then ask empowering questions every day, and you will get better results!
I just started to practice Afformations with affirmations:
Affirmation: I'm a successful woman!
Afformation: Why am I a successful woman?
Affirmation: I have a wonderful man by my side!
Afformation: Why do I have a wonderful man by my side?
Affirmation: I'm Pretty, Sexy and Smart!
Afformation: Why am I so Pretty, Sexy and Smart?
(Hmmmm... I have a lot of answers here... lol...)
I'm sure it will work for me, as long as I believe what I'm saying. Any of these methods won't work for you if you don't believe in what you are saying - and practicing. I would love to hear about your experience with affirmations and afformations; share it with us!
Patricia Anaya, creator of brainy woman, has a passion for creating projects that help people, especially women and children. Brainy woman opens up a lot of possibilities to touch women's lives and help them to improve self-esteem." She's also passionate about offering the very best in content and commentary, humor and high-quality merchandise that supports http://www.brainywoman.com's signature motto, Love Yourself! Tell the World, I'm Pretty, Sexy and Smart!
Article Source: http://EzineArticles.com/?expert=Patricia_Anaya

Sunday, October 26, 2014

Why You Want to Choose the Best Money and Wealth Ideas Now

This article is about finding the best wealth ideas for yourself. Do some research and don't be afraid to question well-credentialed crooks. The first and easiest options aren't always the best. Find what's better and what's best.
Signing up for the 401(k) at your entry-level job is definitely better than nothing. But you should only pay state taxes on a Roth IRA. The capital gains tax you'll pay for a regular account is lower than the income tax you'll pay on your 401(k). Plus your 401(k)'s options will be very limited.
If you chose to learn a programming language in school in school, you can make a program for a company or for all consumers. You can work on a side-project after your usual job and quit if the business starts to put cash in your pocket.
Buying common shares or an option to common shares can be good. But buying enough to get on the board is better. I feel it is highly advisable to pursue entrepreneurship if turning around a big corporation is what you want.
You can buy any shares a salesman says is right for you at any given price. But being your own broker/analyst is probably superior. If you don't want to become your own broker/analyst at this time, just buy index funds. You especially want to buy more index funds during recessions, corrections, and panics. Keep in mind index funds carry very low fees.
You could compete in an established industry, by "doing it better" than anyone at present. Or you could seek a monopoly, and sell your product with no real competition. Remember, if there is no significant barrier to entering a market, this may be a sign that your venture won't pan be rewarding.
You can always join an existing MLM. Or, you can start your own. The failure rate for new MLM's (and new MLM reps) is very high.
You can watch movies and drink beer after work. You could also start researching the companies and the new technologies that will one day put millions out of work. There are lots of salesmen selling stocks and funds. You will have to sort out fact from opinion. Then make your best bets.
There are pros and cons to pretty much everything. Don't take "advice" at face value. Feel free to question and research. Be very wary of well-credentialed crooks and interests that oppose you.
David K Drews is the web master of http://www.renegadeuniversity.net. Stop by, if making excellent financial decisions is what you intend. You'll find many more wealth building ideas, great videos, and many more resources for you.
Article Source: http://EzineArticles.com/?expert=David_Drews

Tuesday, September 30, 2014

Vision Boards: Your Guide to Defining and Manifesting Your Vision


As the title suggests, you can define your vision with a vision board.  Ask yourself, what do you truly want and how might you get it? 

Start searching magazines, Google, and your own photos for images you can put on a poster board, a bulletin board, or even a wall.   Poster board is in the neighborhood of 50 cents to $1.50 per sheet.   White poster board is the most common.  But you could select another color, like green, which is the color of growth, etc.  Of course you'll need a color printer and quality paper if you are going to download and print pictures. 

What do you need to do to reach your goal or to be in perpetual bliss?  If you can't find the image to express your process (your plan or your means) or desire, just print out your affirmations or statements and tape them to your vision board.

Let me give you some sample affirmations you can add to your vision board:

- Write your heart out.

- I boldly embrace my destiny.

- I work 80 hours a week standing on my head.

- I enthusiastically search for prospects.

- No detail slips past me.

- You are the spin-doctor.

- Mrs. Solutions.

- Eat to live.

- Endurance, Focus, Follow Through.

- Think laterally.

- The man with a plan and a back-up plan.

- Regret Minimization Strategy.

- World Class ________.

- When the student is ready the master will appear.

- Be the miracle!

- Dynamic!

- International Man of Mystery.

- Lazy men are soon poor, but hard workers get rich. (Proverbs 10:4)

- Break through.

- Out of the matrix.

- Build what you don't have.

Decide on a few affirmations that will remind you of what you need to be and do to reach your goal, or to simply be happy.  The rewards may be important, but the team, the process, and ideals matter too.

If you want to be free of something, you could simply say "Free of x" or "x free."  But pop psychologists would probably say to instead state what you do want.  The opposite maybe.  If you say you are smoke free, that's a fine affirmation to me.  It can be tough to find an opposite that you really do want.  It's your vision board.

You could also print out or find the word in a magazine that says the name of the emotion you want: passion, love, inspiration, spontaneity, and so forth.  Accomplishments and material things are good, but you will want to experience the emotions you most desire. 

Try to focus on all areas of life: physical (health), spiritual, relationships, family, financial, and career.  You don't want to be the sickest yacht owner on the island.  You don't want to be completely alone and miserable on your island. 

Where can you find pictures? Here is a list:

- Yahoo and Google

- Facebook

- My Yahoo group "IndependentWealth" has hundreds of quality images. 

- Magazines (Robb Report, fitness, travel, and other magazines).  You could find a used magazine store with inexpensive magazines near you.

- Catalogs.

- Take pictures with your phone.

- Make a drawing or cartoon.

- Pinterest.

- Instagram.

- Postcards.

- The original scrap of paper, business card, or napkin you write your business idea or your spouse's phone number on.

Here is something not to do.  Don't remind yourself of failures or other headaches.  People often set unrealistic goals.  You aren't obligated to torture yourself with fear or bad memories, you're not.  Instead, you can use affirmations and images that imply you've swept awful experiences aside.  Now you're focused on traits, goals, rewards and feelings.

If your poster board proves to be too small, just attach the original to a bigger board.  You could tape two vision boards to each other. 

Now, when you're done tack up your vision board where you'll see it:

- By the front door.

- Above your desk.

- In your bedroom, especially if you're likely to see it when you wake up.

Looking at your vision board will doubtlessly help you with any visualization problems.  Taking a gander at your vision board will also help you clarify for your conscious and subconscious mind exactly what your goals are and what you need to be and do to have what you intend.

It obviously isn't practical to carry your vision board with you.  But taking a picture of it with your cell phone is an idea.  You could, on some laptops, use your vision board as your desktop background.

If you are decisive and have no reservations about your goals, dreams, hopes, and ambitions, go get what you need.  If things change years down the road you can make a new vision board.  If you use scotch tape on the back of your pictures and papers, you can switch items.

Why Aren't You Living Your Dream? (Top Meme of 2014)


Sunday, August 10, 2014

Stay Focused on the Process to Reach Your Goals

To reach early retirement, to build a business, or to complete your education, you need to focus the work that gets you to the goal.

You can improve your processes, strategies, and ideas.  It's a good idea to continually improve your business, your investing, and your life.

Plug some of these affirmations into your subliminal affirmation software:

-  I question (assumptions, procedures, etc.)
-  Is there a better way?
-  Am I thinking big enough?
-  How can I gain more control?
-  I remain highly focused.

If you work at your computer, Subliminal Power will help you.

If you don't work at your computer, you can still have suggestions and affirmations flash on your screen.  But you'll think about the message you are sending yourself through the software.

SP2 takes a few minutes to set up.  There is a money back guarantee.  And I promise you won't turn into a cyborg.

Sunday, August 3, 2014

If a Significant Correction Materializes...

... then you and I will want to find bargains in the market.

Sure, we can buy excellent brand names that we like. But what I am going to propose is using a stock screener to try to find the best deals.

Be sure to screen for:  high betas, earnings per share, and free cash flow.  I plan to look through and evaluate  biotech, technology (like 3D printing), REITs, and fast food.

One idea could be to buy a leveraged index fund (etf) while the market slides.  Getting in at the bottom is obviously the trick. 

Friday, August 1, 2014

The Long Term Buy and Hold Strategy

If you think you can pick a few stocks that will significantly  outperform the market in the long run, open an account at a discount commission brokerage (Vanguard, Fidelity, Scottrade, E*Trade, etc).

Then start researching your potential picks. What you want to do is look up each company on Yahoo Finance, Seeking Alpha, The Motley Fool, CNBC, The Street, or another major financial site.  You can look up

Just so you know, there's a fair chance of a pullback in the market in the next few months.  Now is a good time to start finding good stocks. 

When you see the company's profile on Yahoo Finance, look at current and past earnings.  Look at free cashflow.  Note the dividend.  Read the 10K and 10Q reports.  Read the late  st news on each stock.

It's a good idea to run a stock screener, like the one Yahoo Finance offers.  With the screener, you can sort through all the stocks by a number of factors, including earnings, dividend yield and much more.

I wouldn't be afraid of newer companies.  I would research companies whose management are planning expansion (more stores, new products, expansion to foreign countries.)

If you need a couple ideas, consider PSMT and FB (Pricemart and Facebook).  There are lots of new interesting and profitable companies on the exchanges.  PSMT is touted as the Wal Mart of Latin America.  PSMT recently had a good run.  Then PSMT was downgraded.  But in the last week Pricemart shares have performed better.  PSMT I believe is a good long term hold.  But keep in mind Latin America markets are more volatile than the U.S., Western Europe, and Australia.

I like Facebook (FB) because it's #1 on Alexa and because the proceeds from the IPO are going to smart acquisitions, like Oculus.  Zuckerberg has said he wants FB to be what people use on Internet in the future.  My view is Facebook may someday own what comes after Facebook.

One thing to keep in mind is the markets are at an all time high.  Other things to keep in mind are the active Federal Reserve and an active government.  President Obama has said he wants to flatten out the economic cycles.  This could mean no gigantic pull backs (until a U.S. credit or dollar catastrophe...)

So learn the basics of options so you can hedge your bets.  One way to hedge your new stock purchase is to spend a little on a "protective put."  It's like insurance.

I am long FB and may be long PSMT in the next week.  I am also long GRZZX. 

If you're interested in what to do in an economic catastrophe, visit www.renegadeuniversity.net
Click on the "Crisis Investing" tab.   You may find the rest of my site interesting and useful too.

Have a good weekend.

Friday, July 25, 2014

7 Random Creative Personal Finance Ideas

1) Pay bills and regular expenses with unexpected income.

2) Pay the entire balance of your credit card every month, if possible.  Paying interest doesn't help you.

3) If you spot a silver coin, or any underpriced item of value, buy it then sell it.  Pay cash.

4) Volunteer time rather than money.  You could gain experience and a new skill.  You may meet new people too.

5) A bag of salad is healthier and cheaper than fast food.

6) Trade and barter with reasonable people you know.

7) Plan to cut back on tobacco, beer, coffee, and etc.  Save, invest or pay debts with the money you'll have to save.

There are many more ideas at www.renegadeuniversity.net  I just added some great books to the book store, too.

Sunday, July 20, 2014

What to Expect and Not Expect From Subliminal Messages

You won't feel tranced out.
You won't manifest a Ferrari in a short time.
You may not obey a suggestion from your program if you are not in agreement.

You probably will notice you can learn ten percent faster.
If all your affirmations are focused on one thing, expect better concentration.
When you say, "I feel ________." You probably will, especially if you are not opposed to the emotion at the time.

Programming yourself to recognize covert hypnosis could work.
I replace x with y type of affirmations could work.
You can tire of and wear out affirmations.  So plug in new ones every few days.

Try Subliminal Power.  You are in control.  There's a money back guarantee.

Most MasterMind Groups Should Use This Strategy

Remember the story, Stone Soup?  If not, you should reread it.

In a nutshell, in Stone Soup, soldiers, in a town with no food, found a pot and pretended to make soup.  People from the town were curious.  Before long people shared little bits of vegetables and soon the whole town had soup.

It's a good story.  Your MasterMind group could use the strategy in some way.

Sh*theads with a negative attitude will moan and tell you your MasterMind can't make any money or push a cause.  But you can.  Stone Soup is but one story that can give you an idea.

Autosuggestion, Manifestation, and Desired Emotions

In Think and Grow Rich, Napolean Hill instructed his readers to use autosuggestion as a part of his plan to accumulate money.

You can use Subliminal Power 2 to tell yourself, "I have $1 million dollars." Or,
"I sell forty cars a month."  Or, "Buying shares replaces buying tobacco."

Remind yourself to be the producer rather than the consumer.  Use Subliminal Power 2 to stay focused on your work, rather than social media, YouTube, and other fun things that tend to take too much time.

If you ever listened to Sutphen Seminars MultiMillionaire Hypnosis, you could have the following flash on your screen:

"Millionaire"
"I spend each moment doing the most productive thing I can"

Reminding yourself of the behaviors and attitudes you need to manifest your goals is simple with
Subliminal Power.  Remind yourself of the emotions you'll feel when you make progress on your goal.

There is even customer support if you need help installing the program.

If you think 10% to 30% more output, effectiveness, or a 10% to 30% better memory could help you, try it.

If you need a little autosuggestion to stay on track, try Subliminal Power 2.

Friday, July 18, 2014

Writer's Block Doesn't Indicate an Energy Vampire, Here's What You Do ...


Don’t automatically think a person or a MasterMind member is an energy vampire when they ask for an idea.  They may not be.  The alleged vampire might need for you to ask questions like:

-   What was your last accomplishment? Think about it.  Thinking about a recent accomplishment causes feelings of confidence.

- What was the last thing you heard that inspired you or gave you a flash of insight?

- Suggest your friend listen to a “cognitive transformational program” that you can find on Amazon’s mp3 store.

- Send the person to www.renegadeuniversity.net to check out the videos or the motivational quotes.
- A quick run or bike ride should clear the mind and clear the block

Sunday, July 13, 2014

Dividends and Interest for Passive Income


I'm going to give you four ways to get passive income from investments.  Keep in mind; we could get capital appreciation along with our dividends.  We'll look at safer deals, growth, and higher risk speculation.

First, the Dogs of the Dow.  When the first trading day of the New Year comes along, buy the five or ten of the 30 companies in the Dow Jones with the highest dividends.  Hold the stocks for a year.  Then repeat the process every year.  This strategy has done well over the years.

Second, research closed end funds (CEF's) and mortgage REIT's (mREITs).  Usually CEFs and mREITs pay higher dividends.  A rise of interest rates can be adverse for mREITs.  Mortgage REITs are mortgages.  CEF's frequently invest shareholder's funds in covered calls (options).  To find an mREIT or a CEF, run a stock screener, like the one Yahoo Finance offers, or ask your broker.

Third, foreign government bonds.  OK, we're talking interest here, not dividends.  Foreign government bonds tend to pay much higher interest than U.S. T-Bills.  There are foreign government bond ETFs and mutual funds available in the States.

Fourth, if you have a bank account outside the U.S., you might be earning a hefty interest rate on it.  I might add there are a lot of investments that aren't available in the U.S.

You could use leverage on the Dogs of the Dow selections, CEF's, mREITs, and foreign currencies.  MREITS are already leveraged.  If you anticipate the income from your investments to be greater than the interest you pay to borrow cash (margin), you could use leverage.  You can apply for a margin account at your brokerage.

The world of stock options is very vast.  You can earn income from selling covered calls.  But if the underlying stock goes higher than you expect, your option caps (or limits) the gain.  Options are excellent for hedging your bets. 

Keep in mind you could have above average dividends and have the same stock appreciate in price.  Over time, a dividend strategy can really enhance the income you receive from your stocks.

The reader assumes all responsibility for his/her financial decisions. This article covers investments that can result in losses.

Awesome Bible Verse

"If you stop learning, you will forget what you already know." 19:27

You Should Experiment With Visual (Video) Subliminal Messages


It doesn't matter if it's a fad or not.   Subliminal messaging works.

What you program It yourself to do does matter though.

For example, many money and wealth affirmations just make you greedy.

You'll sit there saying you want to be rich.

So as you will see, using subliminal messages for learning, memory, focus and concentration can help you. 

Don't expect results like you'd see in Limitless.  But you can help yourself learn faster, concentrate, and do better on tests.

Let me give you some sample affirmations for learning:

- My mind is clear and focused.

- Logic and math are easy.

- I effortlessly retrieve any memory from my mind.

- I am capable, organized, and efficient.

- I have a knack for accounting (or any subject).

- I need a doctorate in ___________ with a 4.0 GPA.

- I gain a lot from studying, even when I don't feel like it.

- I automatically get my work done.


You can change your messages and affirmations easily and even change them back if you want.

If you see no improvements from using the subliminal program, you have 30 days for a money back guarantee.  Also, be sure to back up your files so you can do a system restore -and keep your program after a virus.

Here are some more tips to help you with "programming" yourself

- Don't say "I want."  If you wanted to feed the homeless, you'd go do it or donate cash yourself.  "I want" does nothing unless back by consistent action and resolve.

- You can throw in an anchor (an NLP term), or an incantation, or even a chant or a cheer. 

- An idea is to remind yourself of the emotional payoff involved.  If you do x, you avoid guilt.  I do x, you will feel great.

- Keep your messages simple.

- Genius and intellect are great, but let's not overlook being observant, or listening.  Observe or listen.  Then question and find all the vital details.  Then try to solve the problem.

- Usually a writer can expect to write 3-10 pages a day.  Use affirmations for focus, concentration, memory, typing, and maybe wit or some attribute that's not real strong with you.

Again, don't expect to turn into Eddie Mora from the movie Limitless.  But do expect improvement when your desired results are under your control.  Like I said, you can enhance memory, focus, and much more.

Subliminal Power 2 offers pre-made sets of affirmations, should you not have the right words now.

You can even have pictures flash on your screen while you work or read email.

Give Subliminal Power 2 a try for up to 30 days.  If you're not satisfied, ask for your money back.

You can have your Subliminal Power software running in a few minutes.  And remember:

YOU choose what you put in your head with this software.

Be careful which affirmations you have flashing on your screen before bed.  You may not want to stay up all night.

How To Become a Billionaire in a Year

What ya do is make $31.70 a second for 24/7 for 365 straight days.

Real Estate Investing : Investing in REITs

Investing in REITs might be a good idea.  I heard a rumor that QE will end and the Federal Reserve will prop up the real estate market instead.  We'll have to check on that.  But what is a REIT? The article below might answer your questions.

Real-estate may provide investors with a high-yield and low risk investment combination for greater total return potential to a diversified long-term portfolio. For most people, investing in real estate begins and ends with the purchase of a home and any prospects of investing in office buildings, hotels, and shopping centers seems nearly impossible. However, these investments are more attainable than you may think thanks to real estate investment trusts (REITs).
A REITs sole purpose is to invest in groups of professionally managed properties such as office buildings, apartment complexes, medical complexes, industrial buildings, and so on. REIT performance has varied over the years, but the total annual return for the past 10 years has been 10.5%.
REITs trade like close-end mutual funds. There are a fixed number of shares outstanding and they offer those shares via a price per share model similar to close-end mutual funds. However, unlike close-end mutual funds, REITs gauge performance under different metrics. Rather than measuring performance by net asset value, REITs use a tool called funds from operations. Fund from operations is defined as net income plus depreciations and amortization, excluding gains or losses from debt restructurings and sales of properties. A REITs growth benchmark is a byproduct of funds of operations growth.

Appeal of REITs
REITs offer an array of advantages to investors, including:

Diversification - Investors turn to REITs and their good dividend paying potential for diversification against future market downturns because REITs are uncorrelated with equity markets.

Built-in management - Each REIT and its property investments are overseen with their own management team, saving investors tremendous time from researching each property's management team.

Tax advantages - REITs don't pay federal corporate income taxes and are required by law to distribute at least 90% of their annual taxable income as dividends, eliminating double taxation of income. Investors can also have a portion of REIT dividend income be treated as a return of capital.

Inflation protection - Since landlords are inclined to raise rents more quickly when inflation picks up, equity REITs - which obtain most of their income from rents - can be an inflation hedge.

Weighing out some risks
Just like all investments, REITs carry with them specific risks that you should consider and discuss with your financial advisor before adding them to your portfolio. Above all is the lack of industry diversification because all REIT investments include only property investments. Some REITs may be even less diversified when they choose to specialize in specific property developments such as medical buildings, or golf courses. Because of their focus, a REIT investment should be used as part of a diversified portfolio to provide greater diversification.
You should also be aware that REITs are subject to changes in the value of their underlying portfolios, and their prices may fluctuate with changes in their real estate holdings. REITs are also interest-rate sensitive - particularly mortgage REITs. If rates and borrowing costs rise, construction projects with marginal funding may be shelved, potentially driving down prices across the REIT industry.

There are some unique factors to consider when selecting a REIT
Yield and debt - High-yields are tempting, but REIT yields above certain levels may mean that there's not enough being reinvested for acquisitions, which could affect long-term growth. Too much debt or leverage can also influence prospects for growth. Your Isakov Planning Group Financial Advisor can help you define what a high REIT yield and a high debt load could be in a given market scenario.

Management potential - Management should have a substantial personal stake in the REIT, which should be listed in the latest proxy statement. If the REIT is new, refer to the prospectus for the management's track record (if any) in similar enterprises. For insight into management's effectiveness at cutting costs and increasing rents and occupancy, refer to same-space revenue growth in the annual report's financial analysis.

Demographic trends - In the case of apartment REITs, for example, ask about the area's direction of vacancy rates and rents, the amount of new apartment construction, and the affordability of home ownership. The higher the cost of home ownership, the more attractive an apartment REIT might be.
Perhaps investing in a REIT mutual fund is one way to manage risks or real estate investing, and to spare investors from investing time into researching all the avenues that should be carefully considered when investing in a diversified real estate portfolio on their own. A real estate mutual fund may invest in several different properties across different sectors of the real estate industry in several different geographic regions, giving you diversification and a way to manage your risks.

View the original article at Real-Estate investing: Investing in REITs along with other articles on fixed income investing.
Isakov Planning Group Financial Advisors bring industry leading resources and expertise to help clients pursue and achieve their goals.
Article Source: http://EzineArticles.com/?expert=Yulian_Isakov

Saturday, July 12, 2014

How to Retire Early In a Nutshell


We all want that job that will allow us to retire early and have the rest of our lives to goof off and have fun. The whole point of early retirement is to enjoy the life you have worked so hard for.

 

To be able to retire early, you will need to work hard and save money that you have earned. The first step to retire early is to make sure you have all your debts paid off. If you are buying a house, it needs to eventually be paid in full; this means you will have no mortgage to worry about when it comes to time to retire. Not only will you need to make sure your housing is secure, but you will want to make sure you have no credit card debt. If you have used credit cards to live off in the past, then you will need to pay them off and turn them off. DO not use the credit cards any more; once they are paid off, either turn them off or save only one for emergencies only. Another big debt you may have would be a car payment. Pay off your car before you decide to retire, because less payments you have the better off you will be.

 

After you have made sure all your debts are paid off you will want to invest your money into a business that will help you gain money. An investment is a sure fire way to be able to earn money towards your retirement. If you do not want to invest your money in someone else’s business, then try having your own business so that you can work for yourself and then eventually use that business make money for you, while you look for other deals or play with kids. When you have your own business you will hope you will have work and income coming in to help you reach early retirement.  

 

When you retire early, you have accomplished a lot in a short amount of time. Early retirement means you have held a decent job for a long enough period of time to pay off all your debts, invested money or created your own business and establish a life for yourself.

 

By being able to retire early, you can be proud of yourself knowing that you have accomplished a lot during your working days. There are many different ways to save money so that you can retire early, but the best way to do this is to work hard and be careful of every penny you spend and invest your hard earned money so that it can multiply into a bigger amount. Anyone could enjoy early retirement, its just working hard and putting your mind to it.
 
see: www.renegadeuniversity.net if you'll do anything to get out of the rat race.

Saving and Investing Central to Financial Independence


While increasing earnings is perhaps the best way to attain financial independence, saving and investing are almost just as important and therefore should never be ignored under any circumstances.

I understand that in today’s tough economic scenario, saving is much easier said than done – incomes are dwindling while expenses are showing no signs of withering, which only makes saving that much tougher. Yet, I also know that if we all make the necessary concerted effort, saving will surely not prove to be as tough as many make it out to be.

For instance, do you really need to buy that latest smartphone launched in the market, especially when your previous phone is also relatively new and doing just fine? Then do you really need to buy more clothes and shoes and other paraphernalia, when you already have more than your share of these items in your closet? These are questions that you need to ask yourself consistently, and as you will find, the more disciplined and prudent you get with your expenses, the easier it will be for you to save.

Taking on from there, merely saving money will not suffice; you also need to make concerted effort to invest the money that you save. Otherwise, presuming that you simply tuck away the money that you save in its physical form at home, you will naturally earn nothing extra. And even if you simply leave it in your bank account, with ever dwindling interest rates on bank deposits, there isn’t much that you will earn that way either!

Instead, your endeavor has to be to prudently invest the money that you save; that is how you will eventually be able to increase the quantum of money at your disposal. Not only that, depending on the kind of investments that you make and the rate of returns that they offer, you could easily be looking at a large kitty as time goes by. 

NEVER Put All Your Eggs in One Basket Though!

Given the context of the above mentioned, it is also very important that you remain investment savvy by not putting in all your eggs in one basket, however lucrative that proverbial basket may seem. For instance, if there is a financial planner or investor who promises you a rate of return of 20% or more on investments you make with that individual, don’t get carried away! Such high rates of return are really rare and typically not trustworthy.

Instead you should look at more secure investment options, even if the rate of return is low, on a diversified basis.
Take a look at www.renegadeuniversity.net .  Set aside some time to read, watch the videos, and ask the hard questions.

Staying Focused and NOT Giving Up Central to Financial Independence


How often we see individuals coming up with what seems to be a brilliant business plan, only to give up halfway through due to obstacles of various kinds along the way!

Unfortunately it is circumstances such as these which prevent a lot of us from achieving the kind of financial freedom and independence which we so eagerly seek. 

For inspiration, you need not look further than any of the major corporations around us, with the tech ones being especially very good examples. Take Google for instance, which was borne out of a simple idea to aggregate online information and put it together in such a way that users could easily search for and find the information in question. Today it is a multi-billion dollar, global enterprise. Had its founders given up on their idea, we would never have been searching online for information in the same manner that we do today. Likewise, if you look at many of the retail giants in the country – as indeed around the world, you will find that they had really humble beginnings and only because their founders had the kind of self belief which is so earnestly required; could they grow their ventures ultimately to the behemoths which we recognize them as, today.

These are of course instances of major corporations but the same metaphor and learning can easily be extended in the case of much smaller enterprises as well. Take for instance a niche website which you are developing that you intend to monetize through advertisements alone, while ensuring that the content remains free to audiences. Now, when it comes to traffic to websites, it often takes time to build, and then significant effort to sustain. Giving up too soon will not bear you any fruit, while staying persistent will more than likely pay rich rewards.

Therefore the learning for you from this post has to be that when it comes to success in any venture you are conjuring – discipline and focus are absolutely pivotal. Without them, you will certainly not be in a position to get anywhere as far as your ultimate objective of financial freedom and independence is concerned.

Accordingly, each time you find yourself wandering, or maybe straying away from what is your ultimate goal as far as the venture at hand is concerned – maybe you are just not making the kind of headway that you hoped you would, remind yourself that success for all the successful folks out there never came overnight; they had to work hard and stay focused for it.