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Day: January 1, 2019

Money Management – You Are Broke Because You Want to Be

How many times have you seen this "I Make $ 20,000 a Month Using …."? The internet is full of money making schemes. We are bombarded daily with spam email, popup advertising, Google AdSense ads and the like. It seems like 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} are announcing the next big Internet money making extravaganza. That or advertisements for porn. Either way, 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of these are probably a waste of time and very likely a scam to milk every last dollar out of your bank account that they can. So why do these annoying tactics work? They must work right? Someone is making money or they would not be everywhere.

The real issue is WHY they work. All of us want to be financially free. We are all looking for the way out of our paycheck to paycheck lives. The problem is most of us never really take the time to first figure out why we live this way. Second, we fail to figure out how we really want to live. What is really important to us. We see the big house and the fancy car and we think "this is what I need."

I read an article the other day. It was about families making over $ 250,000 a year that they broke. They are afraid that the new tax laws are going to push them over the edge into financial ruin. I do not want to get into the new tax issues in this article. Whether it's fair or unfair is not the point. The point is that if you are making $ 250,000 a year and bringing in $ 12,000 a month how can you be broke? The answer?


I understand that the cost of living is high in many areas. I understand that families have obligations such as college funds and electric bills. I understand all too well. But I also understand that this is America. And in this country we are blessed with the right to make choices. If you choose to live in an area where your 1500 square foot house costs you $ 300,000 + it's your choice. If you choose to drive a $ 45,000 car it's your choice.

So what if you only make $ 40,000 a year? Or less? You still have choices. I have heard it said that the most expensive item in the world is an excuse. No matter what your income level you still have choices. Some of them may be difficult. Some may require more work. But you still have a choice.

So here is the key to financial freedom, actually there are three:

First, you must understand that you do not become wealthy because of the money you earn.
You become wealthy because of the money you spend.

If you spend less than you make you can become rich. Period, end of story. It may take you longer if you only make $ 40,000 a year but you can become wealthy if you spend …

How To Make Money From Home

Whatever you are a mother who does not want to leave the kids in someone else's care, are toying with the idea of ​​giving your boss the kiss-off, or simply have fear about rising fuel prices, chances are you have considered working from home . But doing what? You want a job, not a ruse.

So, what kind of job could you work from home, really? If you've spent time trying to answer that question, you've probably come up empty-handed or frustrated to the gills with gimmicks and nonsense. A very high percentage of "work at home" sites and propositions are schemes to make money in and of themselves, and you're not the one getting the income. Keep in mind that most legitimate companies will not require you to pay an upfront fee to get involved, and especially before you know anything about the offer. Here are a few ideas:

Thankfully, there are legitimate ways to work from home. Nearly all of them begin with up-to-date technology that you probably have in your home right now: a computer, a high-speed internet connection and a telephone line that can be dedicated for work use. Many of these jobs offer flexibility, where you set your own hours and decide when to work. Companies are finally starting to get it: there's an incredible work out there ready to be taped, and it can save them money.

If customer service is up your alley, seek out one of the many third-party outsourcing companies that provide customer service support to major companies. These companies hire agents that work out of their homes. Calls are routed to your line when you have indicated that you are available to work. Depending on the company, there may even be benefits and a 401 (k) plan, or you may be considered a freelance worker, in which case benefits are not offered. But the benefits of fielding calls in your pajamas or not having to scrape off that icy car are definitely valuable enough.

Those adept at word processing or typing are valuable assets to companies that require this service. Freelance writing is still an ever-popular choice. If you have been told a million times before that you are a great writer, take a little time to search out the valid opportunities out there. There are many. Also, in a world of so much information and little time to make sense of it, the job of data entry is ever important.

If you are one of the few, the brave that do not mind the cold calling market, telemarketing is still a good way to make money. Another option is that of an online juror. Some attorneys and law consultants hold mock trials to get an idea of ​​how cases might turn out. Look into this if the justice system is something you have interest in.

Medical transcriptionists listen to dictated recordings by medical professionals and accurately type them out so that the information is included in medical records and …

The Benefits of Holiday Travel Insurance

Tourism is a growing industry worldwide. So are undesirable things like terrorism, flight crashes, accidents, wars, disease, natural calamities etc. Any experienced traveler can tell you that travel is full of uncertainties. But it is not possible to sit at home afraid of calamities. Holiday travel insurance is one way of mitigating the financial risk of such unforeseen events or calamities.

There are a variety of holiday travel insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most holiday travel insurance policies have certain basic benefits which are common. Holiday travel insurance policies typically provide coverage for:

Trip cancellation / interruptions. Trip cancellation / interruptions due to a variety of reasons like death of an immediate family member, weather, sudden illness, bankruptcy of airliner, jury duty, terrorist activities etc.

Medical costs. Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to the nearest medical facility.

Accidents. Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US.

Baggage Loss. Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics.

All the above-mentioned costs are borne by the travel insurance company depending upon the travel insurance policy. Before purchasing the policy read the fine print carefully, especially the parts covering, deductibles, co-insurance, specific limits, exclusions, hotline numbers and emergency services. Purchasing a policy for a family works out cheaper. Purchasing a policy online also works out cheaper as you do not have to pay for the insurance agent. …