Most people think right away that prosperity only deals with money. Prosperity is being fruitful and making great progress not only financially, but emotionally, physically and spiritually. You want to be able to prosper in everything you do. Being successful at what you do and how you do it.

Don’t let negative thoughts or even people talk you out of thinking you deserve to be prosperous. You have to wean out people and situations that drain you. Try to find supportive people and relationships that will help you encounter and achieve anything you desire to do to be prosperous.

Always keep your mind on things that can bring you success. Your subconscious mind will bring you what you want. If you want and speak lack, I can almost guarantee you – you will have lack. You must choose and speak you have every need met and live in abundance. You can have what you desire. Open your mind to receiving abundance. Our universe has enough for us all.

What you have in your life you must respect it and be responsible with it. What you don’t respect you will lose it. Our finances should be free and moving with no restrictions. Keep your perspectives and desires in order and reasonable. Don’t set a goal for achieving a million dollars in 30 days. Be reasonable with your thinking. Learn about money. Learn how to make your money work for you. Learn about investing and productivity.

Change your way of thinking. Think properly for creating your own life. Stay in the present. What I mean by that is – it is okay to plan for the future, however at the same time savor the moment’s right where you are at. You still can create your future this way. Your energy and ambition should be – what can I do NOW to make my life better?
Is there something I can do for my family, my business, further my education? Do you have anything holding you back that you need to deal with? If so – deal with it!

Each stage in our life is a lesson for us. It is as if we are taking a test and how we handle and pass the test will allow us to achieve and go to another level of life. Don’t waste your energy and time on negative situations. Where you are you must honor. Don’t allow others to drain you of your competency.

Some easy pointers to remember for achieving and maintaining a prescription for prosperity:

1) Write down your dreams and goals
2) Change your way of thinking
3) Use your faith – speak confessions for your desires daily
4) Daily create mental pictures about being successful
5) Regularly show thanks and gratefulness
6) Watch how you handle your finances
7) Think about money coming to you without feeling guilty about it
8) Refuse to walk in fear.

You must know that we have not been given the spirit of fear; but a spirit of love, power and a sound mind. We have to walk that way. Refusing to bow to fear. Never get caught up in “what if”. That can easily consume your thoughts and soon you will walk in doubt. Shift your perceptions – shift your outlook – shift your dreams.

Last few things for holding onto your prescription for prosperity:

• If you need assistance – ask for help.
• Keep your accounts up to date and balanced.
• Pay your bills on time. If not you will create lack in your life.
• Save – save – save. You don’t have to start off with saving 1,000 a month. Start small. Even if it is only $10.
• Fix any credit problems and get rid of debt.
• Work on what you love and appreciate. Share what you have with others. What you do sow – you will reap!

Iris Shamble has been sharing her writings for several years and has contributed to the “International Library of Poetry”. She has been a devout Christian for 15 years and is a devoted wife to Darryl Shamble, and mother to two lovely daughters. Iris currently works in the Virginia school system, where she has become an expert on the social and cultural pressures facing children everyday.
She has spent the last five years gathering and substantiating information and interviews for “A Christian Mother’s Guide”. Iris is also a youth mentor, women’s ministry leader and speaks before woman’s groups. Full a loaded resource to correct any credit problems or financial issues visit: fixcreditcenteronline.com fixcreditcenteronline.com

Credit card providers constantly think of ways to attract more and more applicants. A good number of credit cards users simply indicates better business for them.

Thus, you would often notice that they constantly partner with various establishments, upgrade their rewards programs, guarantee lower interest rates as compared to other providers, ensure better payment terms, and many others. In other words, they do whatever they can to be as appealing as possible.

True, their promises may be that favourable. However, you have to take note if such will hold true if and when you do avail of their credit cards. Try to see if there are indeed no hidden charges or if their offers are on a long-term basis.

Interest rates belong to those credit card features that, at times, do not remain to be the same after enrolment. During application, the provider may promise even the lowest possible interest rates.

However, sometimes, a few months thereafter, the rates subtly increase. This is what you have to check even at the very start. You should see if the rates are low because it is a mere promotion strategy or if it is a fixed credit card feature.

Low interest rates are most especially beneficial for purchases that are important yet you do not have the available cash at the time of need. You may avail the item on instalment basis. The payment will be distributed for a certain period of time with a certain rate plugged in every month.

Sometimes, the catch comes in here. The promised interest rates are low at the start but if you look at the rates being added every month to your bill as interest, you may sometimes notice that they have changed. This is what you have to guard yourself from even at the onset.

It is then very important to be inquisitive when applying for a credit card. Check also if the provider has a history of fluctuating rates. If you discover that they have been constantly increasing their rates at certain points, you might want to think twice before availing.

What you need to look for is a credit card provider that guarantees a fixed low interest rate. Seek for a provider which already has a good track record and which has been known to be providing excellent service to its enrolees. It would even be best if there are supporting documents stating clearly the features that you went after in the first place.

Nevertheless, whether or not the low interest rate is fixed, instalments must be availed of sparingly. It is still a lot better if you can pay in full upon payment deadline. Interests, no matter how low they are, are still in excess of the actual amount of the product that you purchased. You have to have a good sense of value for money.

Above all these, you should remember that using credit cards should not turn you into an impulsive buyer, thinking that you are not going to shell out real cash just yet.

Remember that you have the responsibility to pay for whatever you have incurred in your credit card bill, no matter what. Wisdom must be employed during credit card application and upon utilization of it. Credit cards are supposed to make one’s financial activities easier and more convenient and not otherwise.

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Can you create wealth from home? You bet you can – and there are more ways to do it than there have ever been before. An example? I’m sitting here in my underwear as I write this, and yes, I do make a good living with these articles and my web sites. Starting an internet business may be one of the best ways to make money at home, and here are some other possibilities.

Ways To Create Wealth From Home

Turn A Hobby Into A Business – There may be ways to make your hobbies profitable. A man I know made a painted plywood cow and put it in his yard. When a passerby unexpectedly offered to buy it, he sold it and made two more. This time he put a for sale sign on them, and soon he was selling them every week. Now, you might think you can’t create much wealth this way, but how about paying someone to make them for you, and putting them in all the right stores?

Be An Expert Investor – Many few people have created wealth from home by simply investing wisely in stocks and mutual funds. It is easier than ever now. All the information you need is online, and mostly free. Study well to beat the averages, but this can certainly be done from home.

Become A Copy Writer – Companies pay big money for advertising copy, and some even pay residual income each time they use your advertising copy. Others pay nothing up front but a percentage of sales. A big seller can make you a bundle. There are great courses out there that teach you how to find clients, and how to write great sale’s pitches.

Sell Your House To Create Wealth – The law now lets you keep all the profits from the sale of your home tax-free – as long as you lived there for two years. Some people are moving from one “project” home to another every two years, pocketing as much as $100,000 in tax-free capital gains on each.

Rent Rooms – It’s easy to rent rooms in a college town, but even in many other small towns you can get $100 per week for a room if you include utilities. Got a spare bedroom? Why not rent it out, and put that $5,000 per year straight into good investments. It’s a relatively easy way to create wealth from home.

Write An E-Book – I wrote a little e-book on 400 ways to save money. It cost me almost nothing to create a page online to sell it. Now it is all on automatic (orders are handled by ClickBank). It doesn’t sell that many copies each month, but it takes no additional work, so I am free to make another… and another.

Create Wealth The Boring Way

I saved the most boring way for last. Fortunately it is also the most guaranteed way to create wealth from home. It is simply this: Learn to save a little on most things that you buy and start putting aside those savings in good stocks or other good investments. It’s not exciting, but it’s a plan that has left many with a wealthy retirement.

Copyright Steve Gillman. Want to learn how to rent rooms for big money or get those: 99reports.com/ways-to-save-money.html 400 Ways To Save Money?

Visit: 99reports.com 99reports.com

Getting a cheap loan is a cherished dream of every loan seeker. Borrowers through a cheap loan are in a position of strength from where they can build up a good financial future for themselves. Cheap secured loans are popular for always being a source of cheap finance. Cheap secured loans are very flexible in there utilizations.

Cheap secured loans are called cheap because they are given to the borrowers at lower interest rate. Every loan applicant seeks a lower interest rate. Cheap secured loans providers may even lower the interest rate than what is offered in the loan market for the deserving caudate. It all depends on the ability of the loan seeker to repay the loan and good credit history.

Borrowers are required to place collateral with the lender. The collateral may consist of any property of the borrower. Home, automobile, jewelry etc can serve the purpose of collateral. But in case a greater loan is the requirement, lenders first ensure that the property has higher equity in it. So offer high equity collateral like home for availing greater loan. The loaned amount usually ranges from £5000 to £75000. The repayment duration ranges from 5 to 30 years.

A good credit history of the borrower always is big plus point as it escalates the confidence of the lender in the applicant. So the good credit borrower is most likely to take cheap secured loans at his desired conditions and interest rate also may be reduced for him. But it does not mean that bad credit borrower will face hurdles. Bad credit people can apply for cheap secured loans without hesitation. Lenders do not refuge the loan to them as there are no major risks involved in offering cheap secured loans. In the event of payment default lender is free to sell the borrower’s property for recovering the loan.

It is advisable that one should compare different loan offers prior to applying a lender. On the comparison you can find out a suitable lender who has easier terms-conditions and lower interest rate of them all. It would also be wise to apply online to the lender. Online lenders process and approve cheap secured loans fast. They take no fee on application processing and giving details of the loan for comparison.

Certainly cheap secured loans are best source of cheap finance. But make sure that the loan does not result in debts. Pay off the loan installments regularly. This way your credit score will also look up.

Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the LoansFiesta for any type of loans personal loans,

Credit card machines nowadays come in various types and prices. The kind of business a merchant is venturing on determines the kind of credit card machine that he or she is going to use.

If a transaction should be typed in the machine for it to be validated, a machine without a printer would be needed. On the other hand, a retail business would require a credit card machine with a printer.

Machines without printers are usually used in enterprises that use mail or phone to purchase. In this type of business, a receipt at the time of purchase is not needed.

For mobile enterprise, a machine without a printer could also prove to be useful. In this system, the number of the credit card is phoned to a specific location. There, another person will type the number into the machine. Examples of these businesses are locksmiths, plumbing, landscaping, home delivery operations and other business. These are enterprises that do not have enough sales to spend for the high cost of wireless machines. A machine without a printer would still be effective while maintaining the capability to work on a transaction at the same location and time of sale.

Wireless machines for credit cards will be very useful for mobile enterprises. It would require though, high maintenance cost and cellular signal availability.

An enterprise that uses credit cards that need to be typed and swiped should have two accounts handled by the same machine. This is a cost-effective way of managing business if the numbers of typed and swiped card accounts are about the same in volume.

If an enterprise caters to different accounts, a machine compatible to multiple accounts would be very productive. Examples of these businesses are hair styling, massage and the like.

If a company would only accept Visa card and Master card, it can use a much cheaper machine for credit cards that can only accept these types of cards.

The best way to determine what credit card machine to use is to survey potential customers. The survey should yield the type of credit card they use for a specific product or service.

For example, if a person is planning to open a car rental business, the owner should survey the area for people who usually rent cars. Then, he or she should ask what type of credit card these potential customers use. If the usual card used needs to be swiped, then the owner should purchase a machine for those cards.

By adjusting to the consumer’s credit card use, a business could cater to a greater number of customers.

About The Author
David Riewe is a Publisher and Online Marketer. Visit his Credit Resources Blog Below: push-button-online-income.com/creditcards/” target=”_new push-button-online-income.com/creditcards/.

The main objective of the carrom game is to flick a striker to hit and pocket your carrom coin. The coin could be pocketed into any pocket. Depending on type of game played, either some or all the carrom coin is legitimate to be targeted.

Play Preparation

Set the playing coins in the middle of the carrom board. Players should stay seated all through the game. Decide which player suppose to the start first shot (or break). The break then alternates and then rotates from player to player.

Carrom Scores

Carrom is generally played to 29 points. With a greatest of 14 points on the table, a game might need the board to be set up at least three times, often more.

• The score is only added up at the end of a “board”
• Only the champion of that “board” scores all points
• The winner gets one point for each of the opponents pieces remain on the board
• The winner scores a 5 point extra (the queens’ premium) if one pocketed and covered the queen.

Foul shots

Foul shots could result from unintentional, irresponsible or bitter play and involves payment of a penalty if they occur. There are a number of foul shots for which penalties might be applied:

• pocketing your striker
• pocketing an challengers piece
• pocketing the final coin before the queen
• pocketing an challengers last coin before the queen
• Making any coin or striker leave the table.

The fouling piece is as well returned to play with the challenger being capable to place any returned or penalty coins anywhere in the middle circle.
If a foul shot happens before any coins have been pocketed then a “due” is owed and should be paid as soon as possible.

Other illegal shots

Other shots, which might be deemed illegal and could incur a penalty or even worse, disqualification, are:

• Pushing the striker intentionally
• Striking with any part of the body spanning a “foul line”
• striking from an unlawful position
• Standing up and pushing the coin
• Striking backwards from the carrom board

Back shots

Many versions of the carrom permit back shots. This typically makes for a quicker game. Back shots are best carried out using the thumb that keeps the body within the foul lines.

Cut Moon

The circles at every end of the carrom board might not be partially covered. The striker must cover it totally or not at all.

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I listened to my husband, Jim lamenting the fact that he needed another gift for his friend, Don. Yes, he had already shopped and bought a nice Christmas gift for him, but just wanted another gift to give him. He wanted Don to have two presents to open, instead of one. His eyes lit up when I told him to look in the goody drawer. I followed him into the bedroom and showed him where I had reserved a drawer for my hidden treasures. Jim gleefully picked out a very nice knife set. It was like having a store in our own home. I wrapped the beautiful knife set with my five star wrapping accessories, which is a whole other story and also a whole other drawer. In just a few minutes, Jim had a very nice gift wrapped as classy as any up scale department store. We were both happy. I have to say I was proud of my idea about the goody drawer.

I am retired, but not really. My full time job now is writing and keeping my web site fresh and updated. However, I do have more time that is my very own, thus, this hobby of a goody drawer came about.

It started one day when I was at JC Penneys. I just happened to notice a sale on costume jewelry. As I recall, it was marked down about 85%! As we all know, jewelry is a big mark-up. I found beautiful necklaces and earrings marked down. If a necklace was originally priced $40.00, it would now be $2.40! I kept looking and found many beautiful pieces. I didn’t know who I would give them to or if I would keep some pieces for myself, but I couldn’t let a bargain like that go by. When you have four daughters and lot of friends, you just know you are going to be giving lovely gifts. When I finished my purchase, the ticket showed I had saved over $200.00; I had actually spent approximately $30.00. I was prepared for birthdays, etc. or maybe a ‘just because’ gift. We mothers like to do that for encouragement and just plain love.

When I got home from shopping, I lovingly placed my jewelry in a drawer that I cleaned out. The clerk had put the jewelry in nice boxes. For the time being, I left the original price tags on to remind myself what a nice gift it was and that it wasn’t just a cheapy.

From that point on, when I was out shopping or running errands, I would always browse around for bargains that were of good quality. I have found purses for $5.00, that were originally $30 or $40. I have found a Passion by Elizabeth Taylor perfume sample set for $5.00. It was originally $20.00. The same thing for other name brand perfume or cologne sets. I have found big colorful watches that are now in vogue for about $6.00. Also, my goody drawer consists of vases and picture frames that would serve as a nice gift.

This goody drawer is also a great time saver. How many times have you had to make a trip to the mall for a last minute gift. Chances are, you will spend more money than you need to because your feet are tired and you still have to go home and prepare dinner.

You may not agree with this next idea. I didn’t embrace it until this last year. I read in an advice column that it is ok to ‘regift’ as long as you don’t give the gift back to someone in the same circle of friends or relatives and also if the gift is something that you think the other person may really like. If someone gives you an object that you like but you already have, it would be fine to put it in your goody drawer. You may want to put a note on it telling who the gift is from so that you don’t give it back to them. Teachers, for example probably get too many of the same items.

You may want to buy some all occasion greeting cards to have available,also. Pick out some clever, witty ones and some serious. You know who you usually give gifts to and what kind of card you usually get.

I love my goody drawer! When I am shopping for my goody drawer, I can take my time and pick out lovely quality gifts at a bargain price.

Buying gifts can wreck havoc to your checking account if something unexpected turns up like an invitation to a shower or anniversary party. There may still be times when you will have to shop for a special present, but I think you will find, most of the time your goody drawer will serve you well.

I think of mine as hidden treasures.

In summary, I would like to say that a goody drawer saves you time, stress, and most of all money. It makes you proud that you are organized and spending wisely. Don’t forget to buy yourself an unexpected treat with the money you save!

…

By Francine Larson: See her web site at: mysite.verizon.net/reso4qht mysite.verizon.net/reso4qht or her personal author’s site at: mysite.verizon.net/reso4qht/franniesfinewordsfromtheheart mysite.verizon.net/reso4qht/franniesfinewordsfromtheheart

To subscribe to Three Teacher Press Newsletter, e-mail her at mailto:Threeteacherpress@verizon.net Threeteacherpress@verizon.net

The end of the year is a traditional time of celebration, excitement, reflection and planning – not withstanding the hectic holiday shopping of course. However, the end of the year also holds another, lesser-known but more significant, importance – the optimal time of the year to complete year-end financial tasks. A new booklet in the Financial Booklets Series from Marshall Rand Publishing reveals the most essential of these tasks.

Managing your personal finances always begins with you. By not completing certain essential tasks, you risk making costly mistakes and placing your financial independence, control and security at risk. The benefits of completing these financial tasks typically include protecting and growing your investments, cutting your tax bill, jump starting your retirement savings, improving your credit rating and reducing your insurance costs.

“The end of the year is not only the optimal time to address all personal finances, but also is the deadline for completing some specific tasks,” says Scott Frush, president of Frush Financial Group and author of 33 Essential Year-End Financial Tasks (available at FinancialBooklets.com” target=”_new www.FinancialBooklets.com). “For example, the last trading day in December is the final opportunity to sell losing investments and offset resulting capital losses against existing capital gains for that tax year.”

Here Frush shares seven of the essential year-end financial tasks revealed in his new booklet.

1. MINIMIZE CAPITAL GAINS: Capital gains taxes can significantly reduce total portfolio performance and increase your tax bill. As a result, harvest appropriate capital losses to offset against existing capital gains.

2. REBALANCE YOUR PORTFOLIO: Due to fluctuating market prices over the year, your portfolio and respective holdings may have changed. To ensure that your portfolio remains optimal – or aligned to achieve your goals and objectives – you may need to sell some investments and buy other investments with the proceeds.

3. MAXIMIZE RETIREMENT CONTRIBUTIONS: Consider increasing contributions to your retirement account – 401(k), 403(b), IRA or other, if permitted. The compounding impact from increased contributions will become quite sizable over time. Take full advantage of employer matching.

4. ESTABLISH AN EMERGENCY FUND: An emergency fund is used to protect against a loss of income as a result of layoff, disability or death. As a general rule, your emergency fund should amount to between three and six months of your average monthly expenses.

5. CONSIDER BUNCHING ITEMIZED DEDUCTIONS: If you are close to benefiting from itemizing your deductions, consider “bunching” them in alternating tax years. One year you itemize deductions – and benefit from the excess itemized deductions over the standard deduction – and the next tax year you take the standard deduction.

6. DRAFT OR MODIFY ESTATE PLANNING DOCUMENTS: Having an estate plan (will, living will, trust, power of attorney, etc) is essential for avoiding probate, minimizing estate taxes and ensuring assets go to whom you designate.

7. MAKE TAX-EFFICIENT CHARITABLE GIFTS: Making gifts of highly appreciated assets, namely stocks, can be very beneficial by reducing your tax bill. In most cases, taxpayers benefit by obtaining both a charitable tax deduction and avoiding capital gains tax on the highly appreciated asset.

With the end of the year fast approaching, it is crucial that you address your personal finances and complete certain essential tasks, especially those with deadlines. Remember, managing your personal finances always begins with you.

To obtain your copy of 33 Essential Year-End Financial Tasks, order online at FinancialBooklets.com” target=”_new www.FinancialBooklets.com or mail $4.75 to Marshall Rand Publishing, P.O. Box 1849, Royal Oak, MI 48068-1849.

About The Author

Author Scott P. Frush, CFA, CFP, MBA is president of Frush Financial Group, a provider of investment solutions to individuals and families, and author of Optimal Investing: How to Protect and Grow Your Wealth with Asset Allocation ( Amazon.com” target=”_new www.Amazon.com). Frush holds an MBA in finance from the University of Notre Dame and a BBA in finance from Eastern Michigan University.

mailto:Info@Frush.com Info@Frush.com

A lot of martial arts people don’t like to hear this but, the real difference between those who win street fights and those who lose street fights…has less to do with knowing every self defense skill, technique and “style” in the world…and more to do with having a simple “game plan” in place before the fight even begins.

Here’s what I mean by that:

In sports — especially professional sports — games do not get won by “chance.” A point scored, a goal made, distance taken, or a finish line crossed, happens by means of a game plan by either a player or team.

And it’s no different when you’re out on the street fighting for your life.

Fact is, inexperienced fighters will “just fight” and throw caution to the wind…while experienced fighters — even if they haven’t learned a lot of specific self defense “skills” — will have a game plan mapped out before the fight starts.

A game plan to win in the quickest, most effective way possible. Every move and reaction has a specific purpose and nothing is left to chance.

And, thus, they will almost always win fights. Even against people with more martial arts skills, talent and ability.

So let me ask you, what’s your game plan if you get attacked?

Do you know what you’d do if you were jumped on the street tomorrow?

What if someone pulls a knife on you? What if some doped-up lunatic tries to grab your wife or girlfriend? What if an entire pack of gang-bangers, full of hate and rage, corners you in an ally?

These thing happen all the time to people all over the world.

But when you have a game plan for the most common scenarios (like the ones above) your chances of getting away in one piece go up dramatically.

On the other hand, if you don’t have a game plan in place then, no matter how “tough” you are, skilled you are or fast you are…you’re going to be in some serious trouble.

Sifu Matt Numrich is one of only a few people in the world with Full Certification in Bruce Lee’s Jeet Kune Do and the Filipino Martial Arts. He’s been published in Black Belt Magazine and his students include US Air Marshal instructors, the US Navy, and dozens of local, state, and federal law enforcement agents. For a

If you’re in the frustrating position of paying off debts that are becoming too expensive to manage you may want to consider debt consolidation. Debt consolidation won’t lower your overall debt but it could save you a substantial amount of money that would otherwise be eaten away in interest.

The amount of money you spend on interest payments for a mortgage or auto loan is roughly the same each month and tends to lower over time. With credit cards, the amount of interest you pay each month will rise along with with your balance. Use your credit cards a lot while making only minimum required payments and you’ll pay off little or none of the principal amounts owed. As your credit card debt increases, your interest payments alone could rise out of control.

Debt consolidation is designed to help ease the burden of runaway debts and out of control interest rates. When you take out a debt consolidation loan you’ll typically take out enough money to pay off your high interest credit cards or other debts all at once. You’ll then have one new monthly payment to make on your debt consolidation loan at a much lower interest rate. The lowered interest rate could save you hundreds or even thousands of dollars throughout the life of the loan.

Whether you opt for a debt consolidation loan or a credit card balance transfer the concept is essentially the same. With a balance transfer, the creditor you are consolidating with will pay off the high interest debts you want to get rid of.

Although it can be an excellent way to reduce debt, consolidation is not without its own risks. A single missed or late payment could result in your low interest rate rising even higher than you’ve ever had to pay before. Make sure you read the fine print before signing up for any debt consolidation plan or balance transfer. If the penalties for making a late payment aren’t clearly spelled out or seem too harsh, look elsewhere for your debt consolidation needs.

Consolidating your debt can be a rewarding or risky proposition depending on your financial situation. Only careful planning and a full understanding of the pros and cons of any debt consolidation plan will help you get ahead financially.