Daily Money Tips

Online dating is a phenomenon which is being encouraged a lot especially by upcoming and established dating sites. However one is supposed to be aware of possible dangers and disappointments of Internet dating. Many people will convince you trust online dating to give you successful relationship. It might be true but it is also good to have some online dating advice. You will meet people with fancy dating profiles but you have no means to tell what is behind those pretty faces you see through the web cams. Prevention is always better than cure so you should be careful while dealing with your online date. Not every person is genuinely looking for love. Some are con men out to exploit your resources.

Love is a tricky tool to use because as you must have known it renders us blind. These looters will target dating sites since they are aware that here people search for love. Do not let anyone rob you off your heart as well as your money. It is very painful. My online dating advice is, you should always be on guard. Assess the questions  your online date is asking you and if you find them suspicious run very fast lest you dismiss your own observations. Whatever you do i advice you not to disclose your personal details to the stranger. You might have chatted for about six months but remember you met online and his identity might be faked.

This malicious people are very intelligent. They will play with your psychology until you are convinced. They might tell you to send them money for ticket so that they can meet you physically. They know that you feel unloved and that nobody has ever really placed any importance on you. They will use this to their advantage. They might cook up a story that they had a bad car accident and you are the only person who loves them and who can bail them out. A trick right there,  you will feel appreciated and since you have the money you will wire it to a physically fit person. Some of them are even of the same sex with you. My online dating advice is that you should not send money to a person you have not physically met and evaluated.

It is an important online dating advice for women not to have sex with their online partners during their first physical date. It is very absurd. A survey carried out recently revealed that most women get involved sexually without protection during the first date. You should know that your life is very important. It is not wise to place it on such high health risk. You might long-term online friends but it is hard to know what your date does with his life. Another piece of online dating advice is that, you should learn to use search engines to do a back ground check-up of the person. This will give you results which might give you a clue about your new found friend.

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Debt problems come in all shapes and sizes from the occasional cash flow crisis to the full on, out of control, debt nightmare that requires professional debt advice.

For Australians experiencing short term debt problems a number of easy steps are open to them.

1 One of the simplest and best debt advice tips is drawing up a budget and sticking to it so that it’s easy to see what money is coming in and what’s heading out.

2 Most consumers’ wallets contain credit and store cards that they have had for some years. As consumers get older their credit score often improves with age, meaning they could be eligible for cheaper credit cards and could save money if they switched lender. It is possible to switch away hundreds of dollars of credit card interest this way.

3 Getting a list of standing orders and direct debits from your bank is a good way of spotting non-essential outgoings that could be put to better use.

4 Interest free loan and buy now pay later deals are often expensive and designed to part consumers from their hard earned cash. It is best to avoid these deals, and only buy what you can pay in cash for.

5 Pay more than the minimum monthly payments on all credit cards, otherwise you will be paying more than you need to in interest payments.

6 If you have a home loan, think about refinancing. If you do your sums carefully you could save money on an introductory cheap rate.

For consumers who are facing more than short term debt problems a number of alternative steps are available.

7 Think about consolidating all credit and store card debt into one loan. Average loan rates are significantly less than those for average credit and store cards. Applying for two smaller loans, rather than one large one, can make it easier to get your loan accepted.

8 Don’t extend any loan for more than 3 or 4 years, doing so can make the total cost of the loan much more expensive, for just small monthly savings.

9 Consumers with consumer credit insurance should consider cancelling it, as it not good value for money. It was highlighted as a ‘junk insurance’ by the Australian Consumer’s Association. CCI adds a considerable amount to the monthly cost of credit, and it won’t give any advantage to a credit application.

10 Consumers with a mortgage could think about re-mortgaging and consolidate their credit or store card debts into their mortgage, at a lower rate of interest.

11 Consumers struggling with their debt need to prioritise their monthly payments, to ensure that the essentials are paid first. Failure to pay the mortgage, secured loan or rent can lead to homelessness, so it’s always important to pay these first. Don’t pay the lender that shouts the loudest first.

12 There are government funded independent financial counsellors in all parts of Australia. They can give consumers free expert debt advice. Consumers who need to deal with their creditors to reduce their payments can get help with an Informal Arrangement through their local free financial counsellor.

13 If a consumer’s debt problems have become a real horror story, there are a number of options to relieve the stress and burden and achieve a fresh start.

14 Bankruptcy is an option for those who cannot see any way of repaying their debts. For $400 it wipes the slate clean. Creditors are no longer able to pursue a customer who has been declared bankrupt, and the consumer will be discharged after three years.

The downside of bankruptcy is that it remains on a consumer’s credit file for seven years. Their assets, which could include their home, will be sold off by a Registered Trustee or the Insolvency and Trustee Service. A contribution is taken from bankrupts who earn over a certain level, currently around $40,000, to pay their creditors.

15 An alternative to formal bankruptcy is a Debt Agreement, targeted at people on low incomes with few assets. This can reduce the amount consumers owe to their creditors by agreeing a compromise deal. Debt Agreements tend to be used by consumers struggling with their credit cards or loan payments, and who earn less than $58,000 after tax. These can be administered by Registered Trustees, ITSA or a third party. Service fees can be around 20%. As long as 75% of creditors agree, a formal Debt Agreement is binding on creditors.

16 A more expensive alternative to a Debt Agreement is a Personal Insolvency Agreement. These are open to more consumers, but can be more expensive because they can only be administered by a Registered Trustee or ITSA. Both Debt Agreements and Personal Insolvency Agreements appear on credit reports for 7 years.

17 For more debt advice information, check out the debt advice published by the Australian Competition and Consumer Commission and the Australian Securities and Investments Commission entitled: “Dealing with debt: Your rights and responsibilities.”

Description: Many more Australians are in need of good debt advice since the onset of the credit crunch. This article contains top tips for people facing a cashflow crisis to those in need of hitting the financial reset button.

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Advice bet football is short for learning the best advice for every football bet you are wagering. It takes time to make a consistent income betting on nfl lines, but finding the right sports handicapper for all your picks could be the best thing to ever happen to you. For a low monthly fee of $50.00 or less, you can find a professional sports handicapper to give you expert picks with a winning percentage of 82% or bettor. Not only do professional sports handicappers guarantee a winning percentage of 82% or better, there are a few of them that will give you a full refund if you do not profit for the month.

The great thing about a professional sports handicapper is that you will be consistently winning 82% of all your picks or better and wagering a tax free football bet. Every single win results in your money being placed instantly inside your sports book account. From inside your sports book account you are able to cash out instantly right into your bank account within 2-3 business days. When using a professional sports handicapper for all your picks you will more than likely be betting on a football spread bet. A football spread bet is a type of bet where you will be given a spread that needs to be covered in order to win that game. For example, lets take 2 random NFL teams. The Dallas Cowboys vs the Green Bay Packers. The game is being played in Dallas and the Dallas Cowboys will be a -3.5 point favorite. What that means is that if you pick the Dallas Cowboys to win the game, they must win by at least 4 points! If you pick the Green Bay Packers to win the game, they can lose by 3 points and you still win! This is by far the best online football bet because once you master the nfl point spreads there is no telling how much money you will be rolling in.

Personally, paying for a sports handicapper is a MUST. You are guaranteed to profit month after month. The more money you invest, the more money you will win every single month. You need to start out with an X amount of money the first month. You turn that X amount of money into Z amount of money. You take your Z amount of money (all your profits for the month) and use that for all your future bets. Place your X amount of money back into your bank, and now from this point forward you will be ONLY playing with profit money. Profit money is the best kind of money you could ever play with because even if you lose, you actually don’t lose a thing. Now you can bet football usa games all day and earn a consistent living with just your profits! Its guaranteed money and some people choose not to follow it for unknown reasons. I hope you start believing in betting nfl lines and eventually quit your day job because of all the profits rolling in! I wish you the best of luck!

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You maybe new to trading or not doing so well, so you decide you should take some forex trading advice and by it from a vendor.

The copy looks tempting but should you part with your hard earned cash?

Let’s look at 3 essential facts you should consider when taking FOREX Advice from anyone.

1. Does The Vendor Have a Track Record

By this I mean a real track record of real forex profits, supported by account statements.

This will allow you to strike over 90% of the people selling FOREX advice off your list.

Fact is most come with vague testimonials of the odd profit or a hypothetical track record. These are meaningless.

Anyone can have the odd lucky trade and anyone can make a track record profitable if they know the price history.

If you take FOREX trading advice you want some proof the vendor has made some profits and put their money where there mouth is rather than relying on making money out of you from selling the advice.

2. Make sure you understand the methodology

By this I mean make sure you know the logic the advice is based upon. One of the main requirements for following a trading system through losing periods is discipline.

If you don’t understand the forex advice you won’t have the discipline to follow it and will throw in the towel early.

3. Make sure it suits your trading personality

Some traders like high returns and can tolerate big swings in equity against them others like a more gentle way of trading.

When taking forex advice look at the track record and look at the worst drawdown i.e you had started following the advice at the worst time and see if that fits with your methodology.

A system may make 90% in a year but if you have a 60% drawdown and can’t tolerate this risk you will probably throw in the towel early.

Finally

Use common sense when taking forex advice from anyone and make sure that their reputable and offer advice assistance and most who do will offer you a satisfaction or money back guarantee.

There is some good forex trading advice out there and if you use the above criteria to choose you will get rid of the bulk of advice which is normally sold by book sellers who have no chance of making money.

Popularity: 8% [?]

Many new traders want to take FOREX Trading advice to give them success, but what should they look for from an advisory service?

How do you pick FOREX trading advice that can make you profits?

Let’s find out.

Here some of the things you should look for in terms of FOREX trading advice.

1. Know how the advisor makes trades

You will never make money following FOREX trading advice if you don’t understand the logic the trades are based upon.

Why?

Quite simply any FOREX Trading advisory service will lose money at some point.

They all do, (don’t believe track records that look to good to be true they probably are) so when the losses occur, unless you know how the advice is generated, you wont have the discipline to stay with it.

Currency trading success is based around the following equation

A logical method + the discipline to follow it = currency trading profits

If you don’t have the discipline to follow the advice you will never make money and this comes from having confidence that a system can overcome losing periods and lead you to currency trading profits

2. Look for a real-time track record

A lot of FOREX Trading advice is presented with a hypothetical track record (lets face it we can all make a profit if we know past data) and they all look great but the acid test is trading in advance.

Look for a real time track record of the advisor making money in currencies. That’s real dollars and account statements.

Today, many e-book writers offer advice with simulated track records and simply appeal to the greed and stupidity of buyers – Don’t fall into this trap.

Get a real time track record and make sure the advisor has put their money where their mouth is and have a track record of success.

No track record? Then don’t buy – PERIOD.

3. Does the advisors strategy suit your mentality?

Does the FOREX trading advice suit your trading mentality?

For example, they may make 100% annual gains but with 80% drawdowns at times.

Can you cope with this?

Or

Are you happier with lower profits and lower drawdowns?

Some traders like to preserve their capital and others like to be more aggressive, so only pick a FOREX advisory service where you can cope with the worst drawdown (peak to valley) they have had in the past.

4. Look for a satisfaction guarantee

Most reputable sellers of FOREX trading advice will give you a satisfaction guarantee if not delighted, so only buy from one who does.

Final words

There is some great FOREX Trading advice you can buy but you need to be careful to get a service that has made money, to inspire confidence and one that suits your trading mentality.

No matter how good the service is, make sure you understand the logic it is based upon, so you can stick with it for bigger FOREX Profits.

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Would you take driving lessons from someone who had never driven in their lives?

Of course you wouldn’t!

With forex trading advice people take advice from people who have never traded and never question it, lose their money and are surprised.

If you are taking forex advice via signals or a system there is only one criteria you need to judge the advice on:

A real time track record.

That’s real money, made in the market over a 3 year period or longer.

It does not guarantee you will make money of course, but if I follow advice I like to know the forex trading advice I have taken, has made money and the logic is soundly based.

Forget hypothetical track records.

Anyone can make a profit if they know what the prices did!

Ever seen a hypothetical back tested system that didn’t?

My six year old boy could make a profit that way, but not sure I would trust him to trade for me!

I am a trader of 20 years and I see e-books and makings telling me I can easily make 90% accurate trades or 100 pips a day!

Please don’t insult my intelligence.

I know making money is not easy in anything and that includes forex trading.

Use common sense!

If forex trading advice looks to good to be true it probably is.

Use common sense and don’t get blinded by greed or an easy way to make money – you will lose.

Only take forex trading advice from vendors who provide the following:

A real time track record and the comfort of a money back guarantee.

There are plenty out there giving good solid advice that can help you make forex profits, but take a bit of time to seek them out.

Don’t fall for the scammers in forex trading advice offering you easy ways, or guaranteed profits. You will lose.

Only a small minority of traders make money and there not the above.

They will simply make money out of you from selling advice that will lose you money.

Accept this fact:

Forex markets can and do make money and there is good advice out there but forex trading makes few traders rich over night.

Forex trading is a long term solid way to make money and good profits.

Make sure you don’t fall for the hype of the huge amount of forex advice sellers on the net who have never traded in their lives.

No real track record you know what to do now

In conclusion with forex advice to separate the scammers from the people who make money, get the real time track record.

That’s it – Enough said.

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It sounds like the perfect job doesn’t it?  Writing your thoughts in a blog and somehow getting rich because of it – what a life.  Of course, most of the stories you hear of people getting rich blogging are about those few whose blog has become hugely popular, enabling them to make a fortune.  It is fair to say that these are the exceptions and that for each success story there are millions more blogs that are seen by very few people and from which the authors get hardly any income.

However, the way to make money from blogs is not to just start blogging and hope you are one of the few who get fantastically lucky.  You may as well just buy a lottery ticket.  The process is not magical or mysterious and you can take a tried and tested and logical approach to it, which will guarantee you a decent income in time.  Blogs make money because visitors click on adverts or follow affiliate recommendations.  That is where the money comes from, so the only way to get that money is to have lots of visitors to your blog, and your income increases in proportion with the number of visitors you have.  If you have visitors, you will get money – simple as that.

Which leads us onto the question of how you actually get those visitors.  You can’t just write about what you want and hope visitors will find your blog – they are not likely to find it unless you get very lucky.  If you want to be guaranteed visitors, you need to choose the right subject for your blog, and optimize it for search engines.  The visitors you need to attract to your blog are from search engines, because these are free and plentiful.  The choice of subject for your blog is absolutely crucial, because you must find a niche that is of interest to enough people, without being in competition with lots of other websites and blogs.  Only if you do this can you hope to achieve high enough ranking in the search engine results to get lots of visitors.  Proper research is therefore essential.

Even if you choose the right topic, that will not be enough in itself to get visitors.  You need to create and promote your blog in such a way as to make sure the search engines rate it as an important and useful site.  This is called search engine optimization and among other things involves selecting the right key phrases for your posts and getting other sites to link to your blog.  Backlinks from other sites are seen by search engines as an indication of quality and importance.

Let’s suppose you get all this right, choose the right niche, select the best keywords and get links back to your blog so that it shows up in search engine results and gets a steady stream of visitors.  Well done, because that is quite an achievement in itself, but it is unlikely to earn you more than a few dollars a day.  The only certain way to earn serious money from blogging, is to create lots of other blogs that meet the same criteria as the one we have just described.  I mean ten, twenty or even a hundred blogs, all attracting different visitors and earning money every day.  Then your income really is worth having.

The problem is the time it takes to create this number of blogs, or any kind of website.  You can’t skimp on the proper research for the right niche and keywords, and neither can you skimp on good content or all the search engine optimization you need to do, so how can you possibly make enough blogs to earn serious cash?  Not surprisingly you can’t, unless you employ some sort of tool or software, or combination of tools, to automate as much of the process as possible.

There are lots of tools available to do with generating and promoting blogs, but you need to be careful to avoid any which just enable you to churn out junk blogs full of second hand content and adverts.  While claims of putting blogs up without having to write content may sound appealing, search engines hate duplicate content and such blogs will never rank well enough to get decent traffic.  What you require is something that will guide you through all the stages you need to go through to create a quality blog, while automating as much of the process as possible.

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Increase Your Financial IQ Book Review – Part 1: Making More Money

The book starts by asking the fundamental question:

“Does money make you rich?”

Take a moment to answer that question.

Do you think money will make you rich?  Do you think winning millions of dollars from lottery will make you rich?  How about having a high-paying job from a lucrative profession like doctors, or lawyers, or IT professionals?  Does having a lot of money make you rich?

Many people have heard stories how instant millionaires lost their millions after a few years. Or how someone who was once rich and famous had his house foreclosed.  Or how a high-paying manager begged for his job back because he can no longer afford the lifestyle that he once had.

If not money, what then makes you rich?  According to Robert Kiyosaki,

“…it is not real-estate, stocks, mutual funds, businesses, or money that make you rich.  It is information, knowledge, wisdom, and know-how, a.k.a. financial intelligence, that makes one wealthy.”

What is Financial Intelligence?

Robert Kiyosaki describes Financial intelligence as that part of our mental intelligence we use to solve our financial problems. Financial IQ, on the other hand, is the measure of that intelligence.

What money problems do you have?  Are you having the problem of “not having enough money”? Are you

using your credit card whenever you’re short on money? constantly worrying about the rising cost of living? paying more in taxes after an increase in income? afraid of emergencies? receiving bad financial advice? waiting for the next paycheck to pay for last month’s rent?

While the rich do not have these problems, they too have their own money problems – “too much money”.  Some of these are

needing to keep their money safe and invested not knowing whether people like them or their money looking for smarter financial advisors raising spoiled kids worrying about estate and inheritance planning looking for ways to “legally” avoid paying excessive government taxes

Which problems would you rather have?

The 5 basic Financial IQs

According to Robert Kiyosaki, you need to learn the 5 basic Financial IQs to solve your money problems.  These are:

Financial IQ #1: Making more money Financial IQ #2: Protecting your money Financial IQ #3: Budgeting your money Financial IQ #4: Leveraging your money Financial IQ #5: Improving your financial information

Financial IQ #1: Making more money

How do you make more money?  The key according to Robert Kiyosaki is to “solve problems”.  People will gladly pay you money if you solve their problems.  I know I’ll be more than happy to pay you money if you can fix my broken LCD TV at a reasonable price. Would you gladly pay your doctor if they solve your ailing stomach? Would you pay your financial advisor if they can make you more money than what you pay them?  Or how about paying your “star” employees “millions” whenever they bring you “billions” in income?

Solve people’s problems and make more money.  As the famous quote from Zig Ziglar says

You can have everything in life you want, if you will just help enough other people get what they want.

Which problems do you want to solve?

Which problems do you want to solve?

Do you want to solve the problem of “hunger” by providing quality meals at an affordable price.  That’s what a lot of food businesses are doing.  Or do you want to solve the problem of “not having enough time to eat”.  That’s what the fast and “instant” food delivery businesses are trying to solve.

What are you naturally good at? Perhaps you can use any of your skills to solve other people’s problems.

Are you good in math?  Be a great financial analyst or an accountant and help people and businesses solve their financial or tax problems.

Do you like speaking to people?  Become a powerful speaker.  Share your message by leveraging your highly sought after skill of public speaking.  Inspire people to take action and solve their problem of a dull and boring life.

Do you love making great movies?  Learn to be a great director or a movie producer.  People will pay you to entertain them because you are solving their problem of “not having fun”.”

Solving problems is a process

The key according to Robert Kiyosaki is realizing the fact that problems will never go away.  After you solve a problem, another problem will come up.  Only in this process of solving problems one after the other will you gain financial intelligence.

You have to go through the process of solving whatever money problems you are facing right now.  Don’t run from it.  Face it head on.  Use your mind to think of ways on how to solve your money problem.  As Robert Kiyosaki’s Rich Dad says,

“You can quit when you win, but never quite because you’re losing.“

The reason instant millionaires end up poor after winning the lottery is because they want only the money but not the process of learning how to build their wealth.  This is the same thing as people wanting to get paid more than the value they are providing.  Their greed is making decisions for them.  Some people even claim that “greed” has caused the current financial crisis that we are in right now.

The other side of the coin is also dangerous – fear.  Don’t let fear hold you back.  Enjoy the process of learning.  Feel the fear and face it head on. This is the same reason why employees would rather gladly receive the small steady paycheck than take a chance at building their own fortune.  Take a leap.  Live out your dreams.  As Hellen Keller says,

“Life is either a daring adventure or nothing.”

Rich Money Habits Review Notes:

What I liked about the book is that it offers other (unconventional) ways to think about money. The book is not about financial advise, so it does not discuss any “how to” details on investing in real-estate or businesses. There are a lot of strong comments about the book so it is NOT for everyone.  My hope is that after reading the rest of the book review in the coming weeks, you’ll pick up a thing or two to help you with your money problems.

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These days it’s not difficult to run into problems with debt. We’re surrounded with growing unemployment, lack of consolidation loan solutions and the likelihood of increased interest rates in the near furture.

What if your income dries up for any one of a thousand possible reasons? What if you lose your job? Are unable to work through illness? What if unforeseen circumstances mean that you are unable to service your debts? Modern life is expensive and it doesn’t take long to start owing considerable amounts of money. Maybe you’re just living slightly beyond your means and over a longer period you’ve found yourself owing a large amount of money. Do you bury your head in the sand, pretend it isn’t happening and simply wait for your debts to resolve themselves? At what point do you face up to the situation and or seek help?

Once you’ve decided to bite the bullet and take advice to try and deal with your situation, you then need to ask yourself where do you turn to? Who can you speak with to get impartial, independent financial advice? Who can you trust?

There are many ways to resolve a difficult financial situation and you will need input on what’s best for you. Look to take advice from a reputable and independent organisation with someone who can sit down with you and study the whole range of options available to see which debt reduction strategy suits your particular circumstances. From Individual Voluntary Arrangements (IVAs) if you are in serious debt and owe more than £15,000, to bankruptcy, debt management, debt consolidation and debt management – you need to explore all the options carefully.

Ideally you will be able to benefit from the input of a non-profit organisation experienced and expert in handling situations just like yours and able to offer the very best advice to help you escape your debt.

Popularity: 1% [?]

Advice On Making Money Online

Earning money without leaving your home is surely a great offer, and it can be easily attained with the help of internet. The internet served as medium in reaching every corners of the world without the hassle of travelling across different places, and this is a good opportunity in earning an income. If you want to make money on the internet at home in Ireland, you can start by looking at every online opportunities offered around. There are numerous choices around and this means that you have a lot of choices to select from, thus, a lot of opportunities to go for. Advice On Making Money Online

In the internet, the most popular way to earn is through the advertisements. Many companies are making money through advertisements, and you can take part in it through pay per click sites, affiliating schemes, AdSense, internet marketing, text ad links and many more. Commonly, these advertisements are added to any blog or webpage and earnings are given usually per click made, so it is a very simple way of earning an income. On the other hand, an online business is also a great choice especially if you have experience in managing a business before. But if you are gifted with unique skills, you can start in producing online goods and sell it, such as eBooks, audio books and unique photographs as these items are in a great demand over the internet.

In planning to make money on the internet at home in Ireland, remember that you can work in several online opportunities as long as you can manage it successfully. So choose several ways to make money through online and start working on it right away! Advice On Making Money Online

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