Archive for March, 2011
Financial Healing
March 16th, 2011 | 
Author: When Jesus saw the man and realized that he had been crippled for a long time, he asked him, “Do you want to be healed?”
There was a man lying at the pool of Bethesda who had an infirmity for 38 years of his life. The infirmity paralyzed his mind and body but not his soul. This man was waiting for someone to come to his aid but no one did. Many passed him to get into the pool. One day, Jesus saw the man struggling but he did not offer him a hand; he said, ““Do you want to be healed?” Jesus immediately told him to get up and walk. Ironically the man did not jump in the pool. He rejoiced and followed after Jesus. The key point here was that the man did not get healed until his mind and body came into full agreement with his soul about who was his healer. He depended upon others instead upon God who could save him. Jesus addressed this man in the area of his responsibility. The man at the pool was waiting for other people instead of going to the one who could heal him.
There are many issues today that paralyze us. For more than three years, the financial struggle has captivated many similar to a physical sickness. The lack of finances has caused many to go into debt, foreclosure, and bankruptcies. Debt, foreclosures, and bankruptcies can only be linked back to one issue in which the man at the pool later found – the expectation that God could heal and restore him. Read the rest of this entry »
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The First Step To Financial Freedom
Why pay yourself first? If you interviewed 100 financial wizards and asked them for their list of steps to financial freedom, what you would get is a list of steps, some with 9 steps, some 10, some 12, all with one common denominator. Each wizard would have the following step on their list and probably in the first position.
Pay Yourself 1st!
Think about this for one minute. Every single month you pay a seemingly growing list of entities a small share of your sweat and equity and your own name is nowhere to be found on the aforementioned list of entities. What’s wrong with this picture? You need to be on the list and more importantly, you need to be on the top of the list! Every book on Finance teaches you how important it is to pay yourself first.
This is the first step to financial freedom: pay yourself first. The generally accepted amount here is 10% (pretax), so if you earn $50,000.00 per year you should plan on saving about $5,000.00 per year and that could be divided amongst several saving vehicles like a 401k, IRA, Roth IRA & savings account etc. We will talk more about retirement vehicles in the section titled “Retirement Concepts” and in the “Investment Guide”. When deciding how to allocate that money across the various saving vehicles, the first thing you need to look at is if your company has a 401k match. If they do, you want to max this out.
This is Free Money!
Do not pass this up. Say your company will match 25 cents on the dollar up to $2,000.00. If you max this out, you will be picking up $500.00. So after year 1, your account will have $2,500.00 (not including any gains or losses)…the $2,000.00 you put in and the $500.00 from the company match. You then have to decide where to place the remaining $3,000.00 of your annual “payment to yourself”. If it were me, I would place another $2,000.00 in an IRA and the final $1,000.00 in a money market account. Once this money is inside these accounts, it has to be invested in something and we will talk about that in the section titled “Investment Guide”.
Once you learn to pay yourself first, you will have crossed the first of many hurdles that stand between you and retiring very comfortably. The only other thing you need to do is to automate it. That is, you want to be able to have that $5,000.00 per year automatically taken out from your pay and placed in the appropriate accounts week in and week out. For 401k money, that is pretty straightforward as your employer will set this up. For the balance, you can have your financial institution take care of the automatic with-drawls from your checking account. YOU ARE ON YOUR WAY….CONGRATULATIONS!
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Balancing a Family Budget
Some tips into balancing a family budget:
In order to make sure you have enough money to cover all of your expenses each month, you must be sure to plan a proper budget.
1. First, make a list of all your incomes. The best place to do this is on a spreadsheet program on your computer. This includes the money you make at your job, your husband at his, and any other small monies you may earn by doing various side or odd jobs. Next you add in any family support you may get. If your parents or in-laws give some money each month to help you through, or if you get a child benefit check from the government.
The total amount of income is your monthly budget.
2. Next you make a list of all your expenses. From the rent, or mortgage, to the utility bills, car, tuition, insurance, cell phones any all other fixed monthly expenses. You should make sure that your total expenses are quite a bit under the amount of your total income. This is because, although you will make it through each month, you need to be sure that you will have enough money to save a bit. This is for annual and unexpected expenses.
Annual expenses can include buying clothing. Clothing for a family does cost a bit of money. Women’s clothing in particular. There is also the instance where your dryer may break, roof leak, or the house needs a new paint job. You also may be ready for a new car. Your son might need orthodontic braces. All of these expenses may crop up on you, and your monthly budget does not allow for it. This is why you need to have a bit of extra liquid cash for these unexpected circumstances.
If you income is large enough, you should try to save as much as possible each month. Think about the future. Save up for a house, college for your children, and to make weddings.
One easy way to save, of course assuming your budget does allow for it, is having a direct deposit set up. Open a separate bank account, can be a savings account. Have your bank automatically transfer even just $20 a month into the account, Have this done at the beginning of the month, on payday. Chances are you will not miss this money. If you can afford more, make it $100, or whatever amount suits you. You will find that once the money is ‘spent,’ you will manage perfectly fine without it. However, had you kept the money, and decided that you will really try to save this month; it will be much harder. When the money is at your disposal, you spend it.
This savings find; can be used when necessary. Say, at the beginning of the school year when you must shop for clothing. Women’s clothing for your teen aged girls, school uniforms for the boys. You can use it for a vacation. Or you can keep on saving, watching that nest egg grow until it can be used for something really substantial.
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Top 4 Tips for Selecting a Financial Planner
All wealthy people have a Financial Planner or Investment Adviser. So the first question is what is a financial planner? Secondly how do I select a good one?
A financial planner/adviser is a person you select to help guide you through the myriad of choices available in the investing world. Most will hold a certification such as CFP (Certified Financial Planner) from a governing body or association. Some financial planners will have a certification from a specific company or bank. Every financial planner will have a field of expertise or training in specific investments. How do I select a good financial planner?
1. Ask family, friends and co-workers who they use for financial planning. If you know someone who has a high net worth definitely ask them who they use. This is the quickest way to start a list of potential financial planners. Then start to screen your list by answering the following questions. Does the financial planner hold a certification? Who does the financial planner work for? How long have they been managing money? Are they an individual or are there several partners? What are my short-term financial goals? What are my long-term financial goals?
2. Does the financial planner work for a bank or a mutual fund/insurance company? There will be good financial planners that work at banks and mutual fund /insurance companies but they will push you to buy the products that the company/bank represents. Most of this type of adviser will work for “free”. That is you do not pay them directly they are compensated by the company or bank they work for and may receive additional bonuses for selling specific products to clients. You will be limited to the type of product that you can purchase, for example a financial planner employed by ABC Mutual Fund will not let you buy physical gold in your account with them. The company will not be set up to deal in gold and there is limited return to the company as there are no recurring management fees. The management fees are often referred to as a Management Expense Ratio (MER) they get a percentage for all the money managed in the fund regardless of the fund making or losing money. This may be a good starting point for someone with a limited or zero net worth but it is not a good place for your money after you have established a net worth of say $25,000.
3. Is the financial adviser independent of banks, insurance and mutual fund companies? Some of the very best financial advisers will be independent of banks and insurance/mutual fund companies. These types of advisers will typically charge for managing your account but you will get a more balanced and independent view of your investments and your investment options. You will also gain access to a wider variety of investments such as: stocks, real estate, precious metals, gemstones, and other offerings. You then need to find out if they are a sole operator or if they have partners or associates that can take over your account if your financial adviser should become incapacitated from illness or accident. Are the company and the employees bonded and insured? In most jurisdictions this will be required for a business license.
4. Set up interviews with your short list of potential advisers. Most investment advisers will have a first meeting with you for free. If they want to charge for the meeting that is not necessarily a bad thing, they may use a fee as a way of screening clients to eliminate people who will waste their time. If you find an adviser that charges a fee ask if the fee will be waived if you select them to manage your wealth. Go to the meeting armed with specific questions and be prepared to write down the answers to your questions. You will have to reveal information about yourself, your net worth and your goals for the relationship.
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Multiple Payment Options for Consumers
Consumers have more options than ever when paying for goods or services. With the continuing expansion of Internet services and increasing online sales, consumers are looking for payment options that are not only convenient, but also secure. Consumers are relying less on paper and in the not too distant future paying by cash or check may be a thing of the past.
When credit becomes difficult to obtain, consumers look for creative, non-credit ways to pay for their purchases. In addition to multiple online payment options, renewed interest in old standbys, like ‘same-as-cash’ installment plans, gain an audience during times of recession. And even with lenders cracking down, lowering credit limits and raising interest rates, consumers aren’t likely to give up their credit cards any time soon.
Prepaid Credit Cards
An option that has become increasingly popular is the prepaid card. For people who can’t qualify for a credit card or just don’t want to add more debt to an already stretched budget, a prepaid credit card is the perfect solution. Technically not a credit card; there is no credit element to a prepaid card. The credit limit is based on the amount of funds deposited to the account. People can’t run up additional debt or ever go over the limit.
Online Options
- EBillme – Appealing to consumers who prefer the security of not entering detailed information over the web, EBillme allows purchases to be made directly through an online banking account. A credit card number or checking account number is never required.
- Bill Me Later – Offered by approximately 1,000 retailers, Bill Me Later authorizes or denies credit within seconds – based on each transaction and your good credit. Consumers enter their name, address, birth date and last four digits of their SSN. The consumer is sent a bill, which is either due on a certain date or can be paid in installments, sometimes interest-free, over a specified period.
- Billeo – The account information for a Billeo account is stored on the consumer’s computer and accessed through a downloaded toolbar. A user can go to the toolbar to pay merchants who accept Billeo by automatically linking to bill payment pages.
- ShopText – A mobile service that allows a registered consumer to text a message code word attached to a product that would then be shipped without placing a call.
- PayPal – Consumers can pay for merchandise by bank account or credit card on any PayPal merchant site, and their financial data are not revealed to the merchant. Anyone else may use credit cards on PayPal sites; however, their financial data are sent to the merchant.
- EBillPlace – Instead of being sent to your home mailbox, eBills are delivered to the websites of companies who you do business with and will contain all of the same information you’re used to seeing on your paper bills. Once you have signed up to receive an eBill, you can turn off your paper bill and streamline your bill paying routine. Plus, eBills can be printed or filed online for record-keeping, if necessary.
The success of newer payment options will depend on how well they are accepted by merchants and consumers. But no matter how you choose to pay for your purchases or your living expenses, there’s a convenient way that matches your lifestyle.
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