Setting financial goals is the single most important thing you can do to take control of your finances. Your life can't go according to plan if you don't have a plan. You will continue to spend every penny you earn if you don't plan for where you want that money to go.Now more than ever we have to plan for our own futures. Approximately 70 million baby boomers will reach retirement age within the next 10 years. That is going to put an enormous...more
I decided to resurrect this article (with some changes due to events that have happened this year) from my website because of the time of year it is. With New Year's Day being less than a week away, this is the time of year where many of us reflect on the past year, re-examine our dreams, desires and goals and make resolutions for the upcoming year.Some of us are more successful at keeping those resolutions than others. There are those people...more
If someone offered to give you a loan for $2100 at interest rates of up to 222 percent you'd probably laugh at them and walk away; but, this spring, 1 in 10 Americans will do just that: for the privilege of borrowing their own money, over 12 million tax filers will pay interest rates as high as 744 percent to borrow their own money thru refund-anticipation or "rapid refund" loans.Refund anticipation loans are short term, high interest loans that commercial tax preparation services offer to taxpayers as a way for filers to get their tax refunds faster -- typically 1 to 2 days. The loans are secured by the filer's anticipated tax refund and ordinarily last no more than 10 days.Refund anticipation loans are commonly called as predatory lending by consumer rights advocates who say that they cost working poor taxpayers over $500 million a year.According to estimates by the Consumer Federation of America and the National Consumer Law Center, in 2004, a refund anticipation loan recipient would have paid about $250 to get a $2100 refund loan from a commercial tax preparation chain with interest rates of about 182 percent annual percentage rate (APR).Consumer watchdogs believe that...more
Often people look for the latest and greatest bells and whistles to market their company. Fact is, one of the most powerful marketing strategies is one that many folks overlook. Something that can make or break a person's reputation and their ability to gain and maintain strong position is their IR or the Integrity Reading. The IR determines their...more
1. Blog- blogs are easy to use and maintain and give you the freedom of updating as little or as much as you want. You can have blogs where you write, create audio or even video if you want. 2. Power PR- More women business owners are understanding the power of Public Relations and making sure News Releases about them or their businesses go out...more
The Universe Revealed The Universe as we know it, see it and experience it, is not all there is. The Universe is always in motion - it is a vibrating, pulsating, resonating, magnetizing force and at the molecular level everything is in motion. It is pure energy. What we are talking about here is the pure formless substance of the Universe - we can think of this in spiritual terms as God, Higher Power, Spirit or the Universe, or address it mentally as Infinite Intelligence, Universal Mind. Or if we're brave, we can take a giant leap into the area of quantum physics, where it is known as the field of all possibilities. That Power - however you conceive it - is the source of everything we desire. It is awaiting our recognition and will create, attract, guide us to inspired action, magnetize and mold itself to whatever form we desire if we align ourselves with it through law. Mental and Spiritual Laws Law? There are laws with which we are familiar. We know that there are laws of physics, laws of chemistry, etc. But most people are not aware of the mental and spiritual laws that govern our very existence. Or we may know something about them but don't know how to relate to them or how to...more
This article addresses the issue about whether one can attract or magnetize circumstances without taken "action." Its intention is to create better understanding in your minds about the use of mental and spiritual laws for success and the...more
When the stock market is going up and all your stocks and mutual funds are making money you feel like a genius. It is too bad that some folks don't remember what happened in 2000. Of course, right now we are in one of those genius phases. Your broker...more
It is a fact of life that press releases influence the current price of a stock. People react emotionally and buy stocks on good press releases, and sell stocks on bad ones, regardless of the validity of the press release. If you can get the news...more
One of the missions of ChartWatchCentral is to inform our readers of opportunity before it mainstreams. There is tremendous opportunity in the futuristic field of Nanotechnology. Merriam-Webster's Collegiate Dictionary defines nanotechnology thusly:...more
The terms "blog" and "blogging" have become part of the new economy dictionary and are an extremely cheap and efficient way of disseminating information through the web. A blog is best described as an online diary that readers can also post their...more
Have you ever said to yourself: How do I start a catering business out of my house?Well, the short answer is yes, you can open a catering business with little more than your delicious homemade recipes and a little business know how. Perhaps you've...more