Filing Bankruptcy Credit After Bankruptcy
So Ive filed for bankruptcy, now what?Ive heard from several people who have files for bankruptcy protection that once they have successfully filed the last thing they want to do is deal with their finances. I recommend that a person places their finances near the top of their priority list once a ... more...

Senior Insecurity
Many millions of senior citizens and others have most if not all of their retirement portfolios in interest bearing certificates of some kind. Many have Treasury Bills, Certificates of Deposit, Government National Mortgage certificates, Money Market accounts, AAA corporate bonds and more. They have ... more...

How to Use Your Mortgage to Dramatically Increase Your Retirement Savings
Did you know that your mortgage can be used to dramatically increase your retirement savings? There are many ways to use your mortgage as a financial tool, but one of these ways that is most overlooked is that of using your mortgage to help you increase your efforts of preparing for retirement. ... more...

Why You Need a Business Plan
This article was originally called "Do You Need a Business Plan?"The title was changed because in truth, every business needs a business plan. Its a common misconception that business plans are used only for raising capital, as in "my bank wants to see a business plan before they will approve a ... more...

Does Working With a Credit Counseling Organization Hurt Your Credit Score?
Credit counseling organizations do not lower your credit score when you approach them for assistance in creating a budget that you can work with. Credit counseling is designed by nature to assist each individual in a way that is unique to a persons particular situation. A credit counseling plan ... more...

Too Many Cooks in the Kitchen After Wife Gets MBA
"Hesh, where is your business plan? It was a question I expected from my banker, but not from my wife. She tried to sweeten it by adding, honey? It didnt help. I looked at her in disgust. I realized I had created a monster.Let me explain. I had encouraged Sue to go back to school. The kids were ... more...

MLM Recruiting- The Top 10 MLM Prospecting Tactics for Success
You gotta have people to talk to in MLM Prospecting!INFERNO Secret:You drive by more people in a week than you could possibly recruit in a year!So - here is the question:Do you have enough folks to talk to?If not - READ ON!!!!These tactics are what we have found to be extremely effective in ... more...

Re-discovering the Fundamentals of Financial Planning
To lose weight in the 80s, we went on low-calorie diets. In the 90s, we switched to low-fat diets, and now, in the 21st Century, we are completely convinced that its all about the low-carb diet. What ever happened to just eating healthy?In a culture where everyone is looking for shortcuts, its not ... more...

Used-Book Case Study
Dwight Payne and Gary Heap reside in Santa Barbara, CA, where they attend college and pursue their mutual hobby of science-fiction book collecting. They pooled their book collection of over 4,000 volumes, and sci-fi magazines going back over twenty-five years. All neatly catalogued and indexed, ... more...