Most people have a goal of someday owning a home. This is true whether it is a condo or a house. Even in these difficult times, everyone would rather own their home. There are three major obstacles to home ownership which are credit, down payment and the ability to handle the monthly payment. Credit is usually identified by FICO score. ...
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Stop the Insanity, Get Out of Debt
A quote attributed to Albert Einstein is the definition of insanity: Doing the same thing over and over again and expecting different results. So many articles, books and magazines tell us how to reduce debt or change things we do with money. Why do the people who need it most resist change? The answer is simple change is hard! ...
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How to Get What You Want?
I got everything I ever wanted because I set goals and developed a plan to accomplish them. Many of us want to be rich, own a house by the age of thirty and have a good career. Although these are wonderful outcomes, they are not goals. Goals must have certain characteristics so we can measure and monitor how well we are doing to achieve them. ...
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Only Suckers Pay Retail
Who pays full price for a car? No one! Yet there are stories of people paying over list price for high demand vehicles such as Toyota Prius. Do you negotiate prices in every purchase? Of course not, that would be too much trouble. So when would it be worth it? There are two (2) categories of purchases that would be worth negotiating a better ...
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10 Small Changes can Make you a Multi-Millionaire
Saving for your retirement, your children's education or just improving your standard of living can be impossible unless you know what to do. Small changes in your spending can achieve $1-2,000,000 over your lifetime. 10 Small Changes in your Spending Habits: ...
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Save $10 Per Day and Become a Millionaire
Can you pass a candy or soda machine and not purchase something? Can you go to the mall with your friends and not come home with something? If your friends invite you to the movies, can you say no? Do you spend your entire paycheck? Do you have long-term goals such as buying a car, going to college or buying a home? ...
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