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Did you know that you have the potential to do and be anything you want? People have different perceptions of the ideal life, and it ranges from obtaining financial freedom to as simple as owning a new pair of sneakers. Unfortunately, many fail to reach their aspirations because they can’t get a solid, clear picture in their mind of what they want.

Take the next few days and embark on a fact-finding journey that will be a life-changing experience. Get a pad and pencil and start with this first step:

STEP 1 – KNOW EXACTLY WHAT YOU WANT – Be specific in your passions, then focus all your efforts on that particular desire.

Those who always change their minds and those who give up easily when the going gets tough will never get anywhere. If you’re a bit confused and aren’t sure what you really want in life answer these questions:
1. What makes your heart beat with excitement?
2. What makes you happy?
3. What are you constantly thinking of day and night?
4. What do you want to do with the rest of your life?
5. What do you enjoy doing?
6. What are your obsessions?
7. What things make you jump for joy?

Write down all your possible answers to the above questions. Write down everything, no matter how silly or unimportant it seems. Put all your desires on paper that answers any of the above questions.

When that’s done, go back and circle five to seven items that interest you the most. Then evaluate and choose with your heart, not your mind, the one and only thing worthy to spend all your time and resources on and that brings out the best in you.

Now you may wind up with something like, “I want to play quarterback for the RAMS.” If you’re over 20 I’d say that isn’t too viable a choice, but you could do something related to football or sports. How about starting a sports publication? Or perhaps a sporting goods retail business, sports memorabilia business, or even a gym could be the answer. You can always read books and surf the net to help you in your search.

The most important thing to remember, no matter how “pie in the sky” it seems, is to USE YOUR HEART. Others may disagree with you, but you should be firm with what you really want. Others may offer comments or advice, but the final decision is always yours to make. You should concentrate on what you want, not what others want.

Remember you only get one shot at living your life. There are no replays and you don’t get to do it over. You may not do it right, but at least you’re doing it. Too many lives have been lived in quiet desperation waiting until – until they had saved a nest egg, until the children are out of school, until I retire, and they depart this life before “until” ever arrives.

Don’t go to sleep tonight without making a decision on WHAT YOU REALLY WANT IN LIFE MORE THAN ANYTHING ELSE.
Then spend a few days evaluating how to make it possible and make a living at it. Begin living every day as if it were the last day you had – never leaving anything to be done next week, next month, or next year.

There will always be bills, things will always break down eventually and need replacing, there may be storms and earthquakes and repairs – but there will only be one life for you to live. It can’t be put on “hold”!

The final outcome of your efforts may be in the future, but you’re living each day by taking steps toward that outcome.

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year – and not even realize it. If you have a reward credit card, your rewards could easily be destroyed by these hidden costs. Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

The first factor for hidden costs is found in the grace period. The grace period is the extra time you have to pay your bill without having extra fees added to your bill. Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it. To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives. This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users. Late fees are common with credit cards, although their potential for costs is often overlooked. Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all. To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time – as soon as you receive your bill. You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest. Paying your bill late is never a good thing, as it can easily destroy your credit report. If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time. Hidden fees and costs are out there – it’s up to you to avoid them. Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them. To protect yourself and your credit – you should always be aware of the costs – and how to prevent them from happening to you.

Student Loan Consolidation

Student loan consolidation is a way to slim down your monthly financial burden.

Going to college is very important. Even once married couples still continue to go to college. This is because you have better future if you are able to finish college and this is true of most other countries.
To help you with this important factor in your life, student loans are available to help finance you go through college. However, students can end up knee-deep in student loan debt..If you are one of these students, you need not despair; you may shop around to find the best student loan consolidation entities to help you in the process of getting out of debt.

Student loan consolidations can help reduce your monthly payment of up to 50%.You cannot find any better deal than that.

Reducing your monthly payment will mean that you can have some spare money for other purposes. Student loan consolidation will help you have some money to meet other expenses like car payments, household needs, and childcare.

Additionally, because of the student loan consolidation program, your credit rating will improve and you can even extend your paying period from the usual ten years to as long as thirty years. You may also find a student loan consolidation company that will give an additional discount on the interest rate on top of the savings from the consolidation. This will also lessen your monthly financial burden.

If your student loan is under the federal direct student loans, you may qualify for the best federal direct loan consolidation program. In this program, in addition to the 50% or more reduction in your monthly payments, there is a lock in lower interest rate available for you. This lock in lower interest rate will shield you against inflation rates. This will mean that you will not have to worry about additional charges due to the inflation rate fluctuations.

To top it all off, the student loan consolidation deal under the federal direct program is easy to apply, and there are no fees, credit checks, application fees, or additional charges.

If you are not sure if your student loans are under the federal direct student loans program, you may check out the Internet. Match your student loans listed to see if they will qualify for the student loan consolidation program.

You can also find on the Internet additional information that you can use to help you get out of that knee-deep debt.

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HAVE YOU ASKED YOURSELF THIS SIMPLE QUESTION?

– HOW DO THE BANKS CONSISTENTLY MAKE STEADY PROFITS ON THEIR PORTFOLIOS?

THE ANSWER IS SIMPLER THAN YOU CAN IMAGINE
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THINGS YOU SHOULD DO 3 TO 5 YEARS BEFORE RETIRING

1. Fix up your house. Do all the renovations and repairs that need to be done while you still have your higher income. In the event repairs or renovations go higher than expected you can still adjust your retirement date to accommodate paying off those expenses before you retire.
2. Pay off your home. Paying off your home or downsizing to a smaller home is one of the most effective ways of reducing your monthly expenses when you enter retirement. Most people are carrying housing debt 60 -65% of their income which would be devastating if you took those costs into retirement.
3. Pay off your vehicle. Paying off your vehicle before retirement is beneficial. Reduction in auto expenses if the vehicle is not too old or in the recent past you have been plagued with repairs. You want to consider purchasing a newer vehicle a couple of years before retirement.
4. Pay off debt. You definitely don’t want to carry any credit card debt or any payment plans into retirement especially those that have a balloon payment. Many furniture companies offer one or two years with no payment but in the second or third year you have a balloon payment if you do not pay in full all the interest is charged back to day one and added to your debt.
5. Tighten your budget- calculate what will be your income when you retire and live on those limited funds for a period of time before you retire. The sooner you do this exercise the better as if you cannot live on it you have time to adjust your situation.
6. Do a financial plan that incorporates the benefits offered by various branches of government. This can be assistance on housing costs, medical , etc. Most community centres carry brochures on these benefits s for people over 60.
7. Draft the lifestyle you want to live when you enter retirement. This can be where do you want to live, how many vacations per year, activities you would like to explore, etc
8. Start to scale down. Selling or giving away items you no longer want or need.
9. The motto should be travel light.