Product Review

Review Of Rich Dad’s Cash Flow Quadrant Book by Robert Kiyosaki and Sharon Lechter

This is the second book in the Rich Dad series. Robert introduces the four quadrants E - Employee, S - Self employed, B - Business owner, I - Investor and shares with the reader how each person in each quadrant operates. He goes on to explain the changes needed for a person to get from the E or S side of the quadrant to the B and I side. He cited the benefits which come from being on the B and I side which will lead to financial freedom compared to being on the E or S side. Getting a paycheck to pay off bills will not make anybody wealthy. The last seven chapters illustrate how you and I can get onto the financial fast track through constant and consistent actions recommended by Robert.

After reading this book, I am well informed of the type of changes I need to undergo and what it takes to get to the B and I side of the quadrant. It’s a total mindset and behavioral change as I myself operate out of the E quadrant. The activities carried out by a person on the B and I side will not make any sense to the person on the E or S side. Some of the many new ways of thinking emphasized in the book thatall of ushave to adopt are:

• Working for free: There will not be any positive cash flow coming in during the initial period of a startup.
• Delayed gratification: Many people want to solve their money woes instantly. But it’s only through patience and diligently increasing our financial intelligence that we will be rewarded later on by taking small steps each day.
• Investing is not risky: Without the proper knowledge and skill, many people will find investing risky as they have lost money previously in the stock market or mutual funds through some unreliable source. To them investing is like gambling.
• Finding mentors: They are there to guide you through your journey. They are people whom you can turn to when you run into trouble. Not everyone will want to be your mentor provided they you able to help them in their area of interest.
• Making mistakes: Expect things to go wrong and learn from the mistakes made. Losing is part of winning.
• Time is your most valuable asset: The rich spend money to save time whereas the poor and middle class spend time to save money.

This book is a must read for people who are thinking of embarking on the process of becoming financially free. I would also like to recommend that you read Rich Dad Poor Dad first if you have not done so. Rich Dad Poor Dad provides the financial basics and fundamental concepts needed for Rich Dad’s Cash Flow Quadrant. Get it now!

Personal Loans For People With Bad Credit: Are They In Existence?

It is really tricky for a person with bad credit to get loan as compared to one who have good credit rating. But do not let this discourage you with the thinking that you may not be able to avail personal loan for people with bad credit. Your loan application might be refused by financial institutions a few times but with persistent effort, you can obtain such loan because there are companies who can offer you money even with the poor credit rating. However, the price which you may have to pay for such personal loan is higher as compared to other available options in the market.

You should know the types of personal loans for people with bad credit that are available in the market.

Firstly is the secured loan. This means that you can secure personal loan against some collateral. In this type of loan, the interest charged is lower and this loan can be easily obtained. The reason being the risk is reduced to a great extent due to collateral. Suppose you have pledged your car or house against your personal loan and by any chance, if you are not able to pay back the money, then the lender has the authority to take the possession of the pledged item. So, the risk of your loan is dramatically reduced with the collateral and thats why it is generally inexpensive.

The second type of loan is unsecured loan. In this type of loan, you do not have to pledge any collateral against your loan. Due to your bad credit standing, the risk of not paying back in time or not able to pay back is much higher. This leads to charging of higher interest rate by the financial institution or the bank against your loan. They might even refuse to accept your loan application altogether due to bad credit history.

The third type of loan is pay day loan. Such loans are available if you have fixed source of income. For such loan, you need to have a proof from employer about your income. Basically, no credit checks are carried out for these loans. To be honest, this type of loan is very expensive and also carries higher rate of interest. Such loans are also offered for very short period of time.

With such knowledge about personal loans for people with bad credit, you can decide which type of loan suits you best and you can start your search accordingly. It is sure that sooner or later you will find one such loan provider who will offer you the loan as per your expectation.

Personal Loans With Bad Credit: Best Way To Deal With Bad Credit

Personal Loans With Bad Credit: Why Do You Go For Them?

Today, because of the poor economic condition, most of the people are living under financial crisis. For them, the biggest challenge is to be able to cope with their normal expenses and to take care of their family. But when most of the companies are getting bankrupt or throwing the employees out, now the question arises. How can one fulfill his monetary requirements? The answer to this question is by taking loans from various financial institutions or money lenders. However, for this, it is important to have a good credit history. But what if the person has bad credit history? For him, the option is to go for personal loans with bad credit.

Personal Loans For People With Poor Credit: How To Get Them?

Unlike past when it is very difficult to get loan with poor credit, now there are numerous options available. Today, you can find an endless number of financial institutions as well as money lenders who are offering such loans. If you want to know how to get in touch with these companies or lenders to get loan, then you can get the help from internet. Just by putting the right keyword in any of the search engine, you will get a list of companies offering bad credit loans. Through that list, you can find the company from where you can get bad credit personal loans.

Is It Safe To Go For Any Company To Get Poor Credit Loans?

There are many companies or money lenders offering bad credit loans. This makes it difficult for the person to choose the right company to get loan. Often, some people do make mistake in selecting the right company. Because of this reason, they need to face various unfavorable consequences in the future. Thus, it is not at all safe to go for any company for getting poor credit loans.

How To Select The Right Company To Get Loans With Poor Credit?

If you want to know the best way to select the right company for taking a loan with low credit, then you must get the help from internet again. There are several review websites available over the internet that offer reliable information about the companies offering low credit loans with moderate interest charges. Thus, with proper research and right knowledge, you can select the right company to acquire personal loans with bad credit easily.

Cash Advances Can Be Addictive

Once you have gotten a cash advance you will feel good and happy that you overcame a financial problem, and when you have paid back all the money plus the interest you owed will feel even better. Who wouldnt?

But, you may become to dependant on cash advances and think “well Ive had a cash advance and I managed to pay back all that money without a problem, so surely I can get another one if I have some more financial trouble.” Maybe you can, but that could be where the trouble starts.

You cant become too dependant on cash advances to keep bailing you out of a hole if you keep getting into trouble. Of course if you keep paying them back on time, then the cash advance company will be more than happy to keep doing business with you and will keep giving you the money when you request it, but dependency can be a bad thing.

If you get into financial trouble, then you will obviously want to get out of it; that is natural. Imagine how you would feel if your friend helped you out of the same situation? You probably wouldnt feel too good about not paying them back.

That is what a cash advance is like: a friend paying off a bill for you. But if you pay off the bill, the company is off your back, and you will feel better about yourself because you did it with your own money and you didnt rely on anyone else but yourself to get that debt off your back and out of your system.

People have been known to rely on cash advances too much, if they get in a financial bind then they can say “oh well, Ill just give the cash advance company a call and they will help me out.” One debt will lead to another and before you know it your money will not be your money if the bills keep on piling up on you.

Second Chance Checking - a second chance for a new checking account

If you have lost your regular bank account and are having trouble finding a new one, second chance banking may be for you. Your definitely not alone thousands possibly millions of people just like you end up on the Chexsystems database and are unable to get a new checking account from their local bank, but fortunately there is a solution. Second chance banking accounts allow you to get the new bank account you desperately need, and gives you a second chance at checking, this is why they are sometimes called second chance checking accounts. A Second chance account offers you most if not all of the features of your old bank account, but may cost you a bit of a monthly service fee, but when you are left without a banking account its well worth it.

Second Chance Checking accounts have:

• ATM/Debit card
• Online bill pay
• Direct payroll deposit
• No overdraft fees

You may even find banks in your area willing to give you a second chance. Typically these banks do not use the checksystems database so they are more likely to approve your account. There are some banks that do use chexsytems to verify but they are more lenient especially if you have paid off your past account. And if you want a new account right away there is an online solution with guaranteed approval and zero setup fee! So dont stress over losing your old banking account and get a new second chance banking account today. You can find a list of banks and other second chance solutions at Second Chance Checking.

How to Curb Your Debt Effectively With Debt Management Help

If your credit history has been ravaged by bad debt, the best way to curb the debt and recover your financial situation are seeking a reliable financial aid. There are many loan schemes available in the market, which you can go for and get one to curb your debt. But, like most debtors, if your concern is to find a debt solution to erase multiple debts in an easy going manner, the rational and effective way is by getting a debt management help.

Although paying monthly dues, at least the minimum payments won’t cause your debt situation goes worse if you don’t add new debt into the existing balances, but it definitely won’t help you from overcoming debts permanently. For this reason, you may need to seek specific advice from a credit counselor, who can advise you on the available debt relief options that best fit your financial situation.

In order for a credit counselor to advise you with the best debt relief solution, you have to provide accurate information about your financial and debt status. Therefore, you have to compile all debt balances, monthly payment requirements together with your total monthly earnings before visiting a credit counseling agency. If you are pressured with overwhelming debt or you have no idea how to compile this information, at least bring along the monthly payment statements, the credit counselor should be able to help you. It is important to let the credit counselor know the true financial situation. Don’t try to hide anything if you are looking for a debt solution that can get you out of debt.

Generally, a credit counselor will be assigned to look at your case when you visit them. He will need to understand your financial situation and your debt condition before providing consultation to you. If you find that the counselor keeps pursuing you to join their debt management plan without discussing your debt problem, then the debt management plan is not the one that best fit your financial situation. Take a move to next credit counseling agency. Find the agency that really cares about your debt problem instead of prioritizing the selling of its plan.

Since debt management plan involves a monthly fee, some even involves set-up, processing and others hidden fees, so you have to make sure you are clear on all fees involved before signing up the plan. Generally, $30 to $50 monthly fee is reasonable, but you can always ask for a discount or even request a waiver for these fees for certain period. If the debt management plan you are interested is having these benefits, make sure they are written in the agreement when you sign up the plan.

You have to understand that getting a debt management help is just a beginning of curbing your debt. Once, you have decided a plan, you need to follow the payment schedule in order to work your way out of debt. It is important to change your spending habit and control your expenses so that you won’t spend out of your budget. In order to effectively curb your debt, debt payments have to be prioritized, don’t miss or delay any payment to your debt management account. Just in case, you have a problem to make payment to your account due to any unforeseen circumstance, you have to inform the credit counselor immediately to have him works out a temporary plan for you.

Summary

Getting a debt management help is an effective and rational way to find a debt solution to erase multiple debts in an easy going manner. But, you have to find the reliable debt management helps from many of services in the market in order to curb your debt effectively.

Reputable Secured Loans For Bad Credit

If you are trying to repair your bad credit history, reputable secured loans for bad credit may well be the best way to go. However, there are a few things that you need to know about finding them and picking the ones which can help you the most.

The world is full of people who want to lend you money. Unfortunately, once your credit history has become less than immaculate, the reputable money lending institutions often will not be interested in helping you out. This may leave you scrambling in the event that you suddenly need money for unexpected expenses.

There are a few things that you need to know about finding a reputable lending company that will loan you money. As well, you need to know how to pick the loans that fit your situation and income best. This is important because if you have a loan that ends up being too difficult to pay off you may end up defaulting and damaging your credit history even more.

You can find many different companies who are willing to give you secured loans even if your credit history is less than pristine. This is because the loans put up items as collateral. That means if you are unable to pay off the loan, the lending institution takes over ownership of the items listed in the lending agreement. Often, it is easier for you to get a secured loan if you own property such as a home. This is because the lending institution has some recourse to recoup some of the money it has lost.

There are a few different ways that you can find reputable secured loans for bad credit. One is to search on the internet. This can often help you find sites that will submit your information to several lending companies who are willing to lend you money. You can pick the terms that are the most beneficial to you. There are a few things that you should look at when you are deciding which loan to use.

You should look at what the length of the loan is. Usually, the more money you want to borrow the longer the term of the loan will be. You should also look at how much the monthly payments are. Remember that you need to leave enough income to live on so that you do not slip further into debt. If your monthly payments are too high you will end up either failing to make payments or you will have to live on a very tight budget. The right loan should be fairly easy for you to manage at your current income.

If you are careful about the loans you choose it is possible for you to get back on track with your credit history. Then, as your credit rating improves you can begin to enjoy many of the same privileges that people with better credit scores enjoy. This may include not needing collateral and even better interest rates and payment options. Getting yourself out of debt is not hard if you are dedicated and pick the right way to go about doing so

Regulators Are On The Hunt In The States, Are Forex Robot Users In Trouble?

Forex trading has soared in popularity recently and that is due to the proliferation of technology, which has made forex markets much accessible to retail traders. Up until recently, forex trading had been fairly unregulated, especially when compared to asset classes like stocks, options and commodities.

In other words, the regulations now facing US-based retail forex traders are dangerous to their bottom lines, almost to the point that it would appear that regulatory bodies there really aren’t on the side of the little guy. In fact, some of the recent regulations that have come down in the States could have a very adverse impact on the use of forex robots. Many traders have grown to love their forex robots and have used forex robots to grow their accounts, so these regulations could imperil US traders that use forex robots as part of a comprehensive forex trading strategy.

There are options for traders in the States, but are the regulations going to be too much to overcome? Let’s have a look.

Regulators Are On The Hunt

One great idea that US regulators have come up with recently, and no we don’t think it’s really a great idea, is to prevent only retail traders from hedging. Meaning retail traders in the U.S. can no longer go long and sell short the same currency pair at the same time. This is rather unfortunate because this is a great strategy to employ because it can keep risk to a minimum while hunting for big moves. Not to mention this strategy is easy to employ with a forex robot, but US regulators have said no to hedging.

The National Futures Association (NFA) is behind this idea and it would appear they simply don’t care about retail traders. It would also appear they have little regard for users of forex robots because the NFA has essentially said that good traders don’t need to hedge.

Unintended Consequences

One unfortunate aspect of the cold regulatory climate in the U.S. has been the disappearing act performed by many forex brokers. A fair amount of forex brokers have left the US market due to the expenses associated with complying with the new regulations. What that has done is give dominant market share to big brokers like FXCM and GFT and left US traders with less choice. That means there are less places to park your forex robot and that’s not a good thing.

At this point, the regulatory environment in the U.S. can’t be considered anything other than hostile for traders and we wish we could say the forecast was rosier for forex robots in the States, but it simply isn’t.

FINANCIAL PLANNING FOR WOMEN

Women are no longer just a powerful force in todays economy. It is estimated over 60% of the nations wealth is controlled by women. Some may have inherited wealth and may or may not be employed. Some are corporate executives, entrepreneurs or middle management. They may be single, married or divorced. They may or may not have children. A womans financial situation is often unique, and an individual approach to financial planning is essential. However, areas of common concern do exist.

Many women work outside the home. If so, they may have income tax problems, especially if they face higher taxes because they are single and unable to file a joint return. To address these problems, women should consider the following areas: the role of tax-advantaged investments to reduce their tax burden; the taxation and treatment of executive perks from their employer; the effect of age-related tax and Social Security provisions; and the tax problems of a small business including choice of organization, the selection of a retirement plan and the taxes upon disposition of their business interest.

Closely related to income tax planning for women is investment planning. Investment selection and asset allocation involve much more than tax considerations. There are various questions women should consider. Do investment objectives line up with financial resources and needs? Is the investment advice they are receiving objective, reliable and in line with their goals, time horizon and risk tolerance? Will a trust help with their investment planning? Women who are too busy or unable to oversee the day-to-day management of their investments should consider a trust. A trust may provide the comfort that comes with knowing that financial affairs will be properly handled in all eventualities.

Estate planning, like tax and investment planning, depends on individual circumstances. Whether a woman has built her own estate through work investments, or a business, or whether a woman has inherited a husbands estate is irrelevant. What matters is that she is aware of the estate planning options that are available. Unmarried or widowed, a single woman might use lifetime gifts to reduce her estate tax burden by using the gift tax annual exclusion and lifetime unified credit. Trusts may also be useful in a program of lifetime gifts, particularly where minor children or grandchildren are involved. Estate plan coordination, charitable contributions and life insurance can also be extremely important toward achieving estate planning goals.

For those women working for a large employer or inheriting their spouses retirement plan, they will frequently be faced with decisions affecting retirement benefits. Those decisions may have a significant impact on their financial situation the remainder of their life. Critical questions may arise such as: which of the several distribution options provided by an employers qualified retirement plan is best; will their retirement nest egg be adequate to maintain their present lifestyle; and what benefits will they be entitled to from Social Security, Medicare, and employer-sponsored plans?

No two women are alike nor are the financial predicaments in which women are likely to find themselves. As anyone can see, there are a variety of issues, problems and solutions to consider. Adopting a systematic and individualized approach with the aid of financial planning professionals can help to address and solve these problems while achieving a womans investment, retirement and estate planning goals.

This material was prepared by Raymond James for use by Kevin F. Duffy CFP CRPC, Vice President, Investments of (Raymond James & Associates, Member New York Stock Exchange/SIPC or Raymond James Financial Services, Inc. Member FINRA/SIPC).

You And Your Financial Advisor, The Perfect Team

You And Your Financial Advisor, The Perfect Team

Many investors rely upon Financial Advisors to help them manage their investment portfolio. Ideally the Financial Advisor and investor should work together, as a team, to find the right investments and make informed decisions that can help meet investment objectives. Below are some keys to developing a partnership with a financial advisor that likely will provide the best possible combination of service and long-term investment results.

Review your investment objectives. Your Financial Advisor will help define your investment objectives, but he or she needs your assistance to do a thorough job. Start to think through your objectives before you meet. Your participation and feedback will greatly aid your Financial Advisor in formulating an investment strategy that fits your goals, time horizon and risk tolerance.

Your questions will lead to being an informed investor. Be sure you fully understand the investments your Financial Advisor recommends for your portfolio. If you dont, its your responsibility as an investor to let your Financial Advisor know that you need more information. Dont be afraid to ask questions about your financial advisors investment recommendations and advice, after all theyre your investments!

Understand the risks with each investment. Its important that you fully understand the risks in every investment you own and the reasons why the value of your investments may rise and fall. Your Financial Advisor can help explain the risks involved with each type of investment, and your questions will help make sure that nothing is overlooked. If you dont completely understand the risks associated with your investment, ask more questions until you do.

Meet regularly to review your portfolio. Use these meetings to your advantage, go over your current investments, their performance and evaluate other investment opportunities. Scheduled meetings with your Financial Advisor is also a good time to inform him or her about significant changes in your life that could require shifts in your investment strategy. Also, major changes in the economy or new tax laws should also prompt a review.

Maintain up to date records. Make sure your confirmations and account statements are reviewed and saved in a safe place. These documents help you monitor your investments on an on-going basis and will be useful come tax time. When you come across something you dont understand, ask for assistance from your Financial Advisor. The key is being an informed investor and keeping good records will aid you in this regard.

This material was prepared by Raymond James for use by Kevin F. Duffy CFP CRPC, Vice President, Investments of (Raymond James & Associates, Member New York Stock Exchange/SIPC or Raymond James Financial Services, Inc. Member FINRA/SIPC).

How to Fill Out an Advance Cash Form

Filling out an advance cash form can be done through a website if the cash advance company allows that. Due to the fact that many cash advance companies are based online, there will usually be an online application form that can be filled out regarding your cash advance request.

The company will usually get in touch with you regarding the cash advance, and may be able to give you an answer within 24 hours of receiving the filled in form.

Filling in a cash advance form is also very simple, it doesnt require any hard questions to be answered, just simple questions including name, where you live, etc.; hopefully they wont need to utilize any information like that because you can keep up with the repayments. That way they wont send anyone to knock on your door asking for the money which you havent paid back yet.

An online cash advance form is meant to be easy to fill out because the companies understand you are in need of cash and every small bit of help that will make it easier for you to receive that cash will be highly regarded among the customers.

Because of a speedy and easy process, companies can promise an answer within 24 hours after you have filled out the cash advance form; they understand the kind of situation that you are in and will help you with the whole process.

All they ask is that you meet certain requirements such as being over 18 years of age and earning at least $1,200 a month. Making sure their customers meet these requirements is the safety net for many companies so that they know that you can make the repayments with the money that you earn.

Speed and ease that is what people want when filling in a form requesting quick financial help and with a cash advance form they can receive that speed and ease.

Chapter 13 Payments and Personal Bankruptcy

Chapter 13 payments are used when debt is restructured through bankruptcy. Debtors must abide by the repayment plan for two to five years. During the restructured debt period, debtors are prohibited from incurring new debt unless approved through the court.

Chapter 13 payments are usually paid to a bankruptcy Trustee and dispersed to creditors on a monthly basis. Occasionally, chapter 13 payment plans are setup through payroll deduction. Automatic payroll payments are usually reserved for debtors who have been employed with the same company for three or more years. Should the debtor quit or be terminated by the employer, bankruptcy payments will be revised through the court.

Many people turn to chapter 13 bankruptcy to avoid foreclosure. While filing personal bankruptcy can temporarily stop lenders from commencing with foreclosure action, if debtors do not adhere to their chapter 13 payments repayment plan, they will eventually lose their house.

One thing homeowners often fail to understand is they must be financially able to pay regular monthly home loan payments in addition to chapter 13 payments. Individuals struggling to make ends meet find that bankruptcy repayment plans create a heavier debt load which can cause them to fail out of bankruptcy.

When debtors fail out of bankruptcy, creditors are legally entitled to petition the court seeking bankruptcy dismissal. Depending on the circumstances, bankruptcy judges can elect to allow borrowers to file for Chapter 7 or dismiss the case.

Chapter 7 is referred to as ‘liquidation bankruptcy’ because debtors must liquidate assets to repay creditor debts. Debtors are not allowed to remain in their home and must sell the property or give the house back to the bank using deed in lieu of foreclosure.

Bankruptcy is a debt reduction option available to all U.S. citizens. However, certain eligibility requirements must be met. Chapter 13 eligibility requirements state debtors cannot owe more than $307,675 in unsecured debts or $922,975 in unsecured debts.

Congress enacted the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005. BAPCPA requires debtors to obtain credit counseling through a U.S. Trustee Program approved agency within 180 days of submitting bankruptcy petitions.

To determine the amount of debt to be repaid through chapter 13 payments, debtors must undergo the ‘means’ test; a financial tool that measures debtor’s income against their states’ median income. If debtor’s earn as much or greater than median income, they are required to file chapter 13 bankruptcy. When debtors earn less, they might be allowed to file chapter 7.

Once bankruptcy petitions are filed, debtors are required to provide a credit counseling certificate, chapter 13 repayment plan, proof of income, detailed financial statement, and recent years’ tax returns.

Chapter 13 provides debtors with the opportunity to restructure debt and regain control over finances. However, personal bankruptcy stays on credit reports for ten years; making it difficult to obtain credit of any kind.

Before making a final decision to obtain bankruptcy protection, take time to investigate bankruptcy alternatives such as budgeting, credit counseling, debt settlement or debt consolidation. Oftentimes, these debt reduction options help debtors achieve the same result without incurring substantial credit damage.

When to Apply for Cash Advance

The best time to apply for a cash advance is when you are seriously short of cash and have no other alternative way to get it. Regardless of your financial situation, though, you must also make sure you are able to follow the repayment plan the cash advance company sets up for you.

Don’t miss any of the monthly payments because not only will it ruin your chances of receiving other cash advances from that company in the future, but you will also have to pay interest.

The interest on a cash advance increases every month leading up to the point where the entire loan is paid off. But, if you are in a financial situation which allows you to make all of the monthly payments on time, then a cash advance loan will probably be no problem for you to handle.

You should also take into account that a cash advance should be used as a last resort. Do not take out a cash advance loan, as said before, if you cannot make the monthly payments. Even if you think you can make the monthly payments, also make sure you work the interest into your figuring.

The interest on a cash advance loan, especially when paid off late, can get to be pretty hefty, which is why you should consider taking out a regular loan if you don’t plan on paying off your cash advance in a reasonable amount of time.

If you feel that you need to apply for a cash advance loan, then you must make sure you can meet the requirements of the repayment structure that the cash advance company sets up for you upon your receiving of the loan.

If you miss a payment, then you will almost definitely ruin any chance of receiving another cash advance in the future.

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