The New Year is here and now's the time when most people do a financial checkup. Do you have outstanding debt in the form of payday loans or high credit card balances? Now's the time to make a resolution to payoff old accounts or renegotiate the debt. Having a fresh perspective on the previous year, you can use lessons learned in the past to help you fine-tune your wealth strategies for the futures. Look at last year's budget and see where things worked and where they didn't. Or, if you haven't got a budget for last year, resolve to start tracking a budget. It can be a great way to figure out what works for you in the long run.
Strategies to Review Money Trends
Compounding interest can work to make you wealthier, especially if you have few debts. If you have lots of debt, the key is to reduce the interest rate so that the compounding doesn’t work against you. Then, also look for investments that yield good interest rates to help you build wealth too. If you have an investment that lost money or languished without favorable returns now is the time to decide on whether to sell it or hold onto it. Sometimes you will want to hold because the trend is only temporary due to market volatility and the commodity is actually very valuable. If it’s time to sell, now’s also the time to check out any new investment options. Public payday lending companies are attracting investors who are looking for recession-proof markets.
Plan Ahead For That Tax Refund
If you have a fat tax refund coming, checking your budget can help you decide what to do with it. You might decide to save it for a seasonal expense that was tight last year (like a summer vacation). You may decide to pay down debt and remove that payment from your monthly budget. This can be a great way to free up more cash during the year. Look at the financial tools you used: credit cards, payday loans, mortgages, bank accounts. Did they fit the need or were you using one when you should have used another. The nice thing about time passing us by is that we got smarter and more efficient with each new year. Take the time to learn the lessons from your previous year and you will find your debt lessening and your wealth increasing. All it takes is time being on your side and a little know-how.
Thursday, February 14, 2008
Leverage Your Time and Know-How to Create Wealth
4 Step Guide To Ultimate Blog Success
It is a common misconception that you must have a website in order to truly make money on the internet. Don't worry, it's not your fault - the "gurus" have tricked you into thinking that a website is required to make money, all while they laugh to the bank when you purchase web hosting and a domain through their affiliate links. It's time to seperate yourself from the crowd and realize that you're being deceived.
If you want to establish yourself online, blogging is the way to do it. And, it's absolutely free. You can make $20, $50 or $100 every single day using a simple, free blog that takes less than half an hour to set up. But how do you make your money? It's a simple formula:
1.) Create your free blog and start posting about a topic you love. Baseball? Weight lifting? Hypnosis? Gardening? Virtually anything will do.
2.) Go to Clickbank.com and click "marketplace". Find a product related to your topic (they have a very large variety of products for any audience) and create a free affiliate account with them.
3.) Add your affilate links to your blog and promote the product you chose. Talk about it's qualities, review it, how much it's helped you, and so on. People eat up stories.
4.) Get traffic to your blog by posting articles to article directories with a link back to your blog.
That's it - that's all you do to make money online. I can personally guarantee you that if you post to your blog everyday for the next 60 days and write one article to submit to a few article directories per week, you'll be making a bare minimum $20 per day with hardly effort. $20 per day for 10 to 15 minutes of work is a great trade-off, wouldn't you say?
The best part about this process is that you can repeat it, over and over. Imagine if you had 10 blogs and made the bare minimum of $20 per day with each blog. That means you'd be getting more than $200 per day, for about 2 1/2 hours of work. Compare that to a job - 8+ hours a day, for a measly couple thousand bucks every couple of weeks. It's bull.
It's time for you to make a decision. Are you going to sit around and continue to ponder how to make money online, or are you finally going to bite the bullet and going to get started? The choice is yours...
Six Easy Ways To Make $100
Welcome to my blog about earning and saving more money.
1) Earn interest on your idle cash.
Open up a high-yield savings account that links up directly with your existing checking account and pumps up that piddly interest rate you’re getting now. At around 5% APY, with every $2,000 in cash you can make $100 more in interest a year. Banks with local branches like Washington Mutual and Citibank are even in the game.
2) Earn some quick bucks for signing up for accounts.
You can get up to $250 upfront just for signing up and making a purchase with several credit cards. Just put them away afterwards, there’s no need to pay a penny of interest. I’ve certainly made thousands of dollar this way.
3) Get cash back whenever you make a purchase.
If you are responsible with credit cards, you should really use a credit card that gives you cash back or other perks when buying everyday purchases like groceries, gas, and everything else. Here’s a list of my favorite rewards credit cards. You can easily get back $100 a year without changing your spending patterns.
4) Save on monthly expenses
- Haggle your cable bill down by over $100 a year by simply asking or by using their competitor’s deals,
- Use an internet phone service that only costs $40 per year,
- Switch to a new $30 cell phone plan with all the perks,
- or keep your current plan and save 10-30% off with a corporate or student discount by using just your e-mail address.
5) Make your credit card pay YOU interest!
For something more risky but potentially more profitable as well, read up on how you can make thousands of dollars off the credit card companies. If you borrow just $2,000 of the credit card company’s money from a 0% APR offer and sock it away at 5% interest (see above), that’s a quick $100 a year! Do it with $40,000 or more like I’ve done, and make over $2,000 in one year!
6) Lower your stock trade commissions to Zero
How much do you spend on commissions every year? How about keeping all that to yourself? You can with Zecco.com, and they have no minimum balance required to start. See here for my Zecco brokerage review, complete with tips on how to optimize your account with them.
Wednesday, January 30, 2008
选择的困惑????
考研的成绩就要出来了，虽然希望不大，但是还是没有死心；即使考不上，但总不会太差劲吧？也许是抱有希望，也许是想了太多不起决定作用的事情......
8d52b480
9月的时候，当怀抱着刚写出的句子－－”夏夜没有蓝色的星空，我是那戏水的少年”－－时，恍惚的思绪，清晰的晨曦空气
抱头悔过自己错失的三件事，双手无力的放下；生活，一定是有得也有失
10月的梦，渐渐的消逝殆尽的时候，张开双臂，任由冷冷的窗风吹拂紧闭眼帘的脸庞，让双手感受空气的流动，停息的大脑静静的感受自己的心跳，感受生命的韵律。生活，不是仅仅只有在春天才能感受到春的气息。
接下来，忙碌，紧张，有序，和坏坏的心绪，痛并快乐着。想起来，总是想说：体验，体验，体验......
所 有的复习有计划的进行着，就连那天心情不好也包括在内，每天早上将倒数的天数写在帖子墙上的纸上，晚上再划去；早上寒风中读书声，在四六级考试后，忽然变 得冷清，但是在六点半的教室，依然有亮着的灯；为了早读，自然是先到路灯下面，然后是早餐，然后是从食堂到九教，从九教到食堂；天渐渐的冻起来了，天天来 跑步的大爷，也要迟到了，还有几位一起的老太太也时有缺席；风，没有吹走年年生冻疮的我，一只手拿着读，一只就放在口袋，实在不行再换过来，慢慢的我能用 不到4分钟读完一篇阅读的文章，这，着实让我自己也吃惊了！
考试了，可爱的三个冬日暖阳，要照耀多少年轻的心；散发着点滴磷光的水池旁，一簇叫不 上名的花正开放着，淡淡的黄色，清新的香味；阳光下，一位身着冬装的女生，轻轻悄悄地走进花丛中，深深的呼吸,呼吸,然后又轻轻悄悄的走开；午后的阳光温 暖斜照在满是绿意的草坪上，人们三三两两的躺在上面。第一天的感觉还是，自助者天助；可是数学还是冷不丁的让我措手不及，下午考完，天空下起了下雨，天空 没有回荡的音乐，但我的心，悲凉的走在荒郊的原野，轻哼着
you are sunshine, my only sun shine,
you make me happy when skies are grey.
you'll never know dear , how much i love you.
so please don't take my sun shine away.
生活还要继续，我的朋友居然叫我千万不要抱太大希望，我知道，他是为我着想的
之后的时间，首先在电脑城做了一周的义工，没有想到自己热情，知识都得到了发挥，而其能老外瞎款，最主要还是能有机会和各种人接触，和需要各种类型产品的人接触，何况交流本身就让我满心向往。我想如果我真的去做这个工作的话，也一定能做的很好的。
要命的是，机会现在几乎就在触手可及的地方
工作还是应该找的，向这里的培训机构发了几封简历，面试了，试讲了。而现在，没有消息，时间却在继续......
下午，又接到一个明天面试的通知，不管怎么样，加油，YingFan，做最好的自己！
雨后的午后
我还是一无所有，过着像游子一样的生活。要接受这样的事实其实更难。来往如织的人群，彼此都在触手可及的距离，他们之间即将要发生什么事情呢？大家的心中又有着什么样的故事呢？
在同一片晴空下，我们之间有一种预感，某一天定能相遇的预感。那照片就像春天一样，在风和日丽的日子里，让人感到温暖的未来。
你干嘛去？
现在找某个人，某个我很想见的人.......哎，不和你说了
加油噢!恩，我也要加油！.......
“我家有狗也有猫，你喜欢狗还是猫？”
找了个电影资料库，一部一部的从网上下来看，然而不知是没有好的电影，还是没有好的心情，总没有很好的电影。静静的心悸，难舍难离的困惑，怎么让一个人逃离现实和梦乡？
把一个人的温暖 转移到另一个的胸膛
让上次犯的错反省出梦想
每个人都是这样 享受过提心吊胆
才拒绝做爱情待罪的羔羊
回忆是捉不到的月光握紧就变黑暗
等虚假的背影消失于晴朗
阳光在身上流转 等所有业障被原谅
爱情不停站 想开往地老天荒
需要多勇敢
今天去面试了，却是公司放年假的日子，因此试讲要等到明年了。
中午和几个老同学一起聚了聚，或许我现在真是没有心思和人在聚聚并一起回首往事的的信誓旦旦，因此中午谈话的内容大多记不太清了
下 午路过滨江路。雨后的午后，不算宽广却足以让我认识到自己渺小的府河。放眼望向对岸，心似乎忽然开阔了，就像滚滚的江水，永远都要向前流去，不管前路的礁 石的无尽阻挡.....无意却看到孓然的河鸟，因我的靠近而飞离原本停息的地方，孤单的盘旋的江面之上，最后落在稍远处的地方；凌乱的心绪不安的走开，展 开双臂，我用尽力气拥抱，拥抱雨后清新空气和冬日暖阳的温暖。
不想再座车了，沿着河边的水泥地面，静静的感受着上天给与宝贵的清新和宽广。些许的水还在地上印下烙印，水很少，却出奇的清澈，没有因出蓝色的天空，去倒映着身旁的树影
穿过人群拥挤而冷清的大桥，抬头看见的广阔的天宇，就像我特喜欢的一个情景：一个人经历了相当的打击，终于双手有力的打开了窗帘，并保持双臂展开的动作，让整个身躯感受窗外明媚的阳光
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