4 Financial Groups

I used to wonder how some people always seem to have money to do just about anything they want and buy the things they desire. Then I began to notice the flip side. A tremendous number of people are having money problems, having way too much debt, and they never seem to make any financial progress to get ahead of the game.

I am amazed at the millions of dollars made by musicians, movie stars, and athletes. Then I am absolutely disgusted when I hear that this type of individual is in tax trouble with the Internal Revenue Service or is considering going into bankruptcy. How can someone have millions and millions of dollars and not live within their means? I would think that it would be an easy thing to live a life of comfort and plenty having that much money.

I used to think that if I could win the lottery it would solve all my money problems forever. I heard or read somewhere that a sizeable percentage of those winning millions in the lottery are now broke. Then I noticed a pattern to this madness. The majority of these cases of rags to riches and back to rags again are due to mismanagement, either on their own, or by trusting someone else to manage it for them.

I’m sure you have wondered how some people seemed to have money to do the things they want and buy the things they want. I know I have, when I see someone, for example driving an expensive car, I’d say “it must be nice.” Then I began to notice more people were having money problems, always in debt, always owing, and never seem to be making any progress.

Bankruptcy is at an all time high across the country. There are more foreclosures now than any other time in United States history. What I have learned is basically there are four financial groups for most people:

1. There is the elite or rich group. Those who are in the top ten percent financially. They probably don’t have a budget, they probably don’t need a budget, and they can buy anything they want and not have to worry about how much it cost. Again, it must be nice. The information in this book and other similar books are probably not for them.

2. There are those that use a budget, they know how much they have coming in and going out, they buy what they can afford, they pay off the balance of their credit cards each month to avoid paying additional interest, and they sock a little away each payday for unexpected costs. Hopefully they won’t have any unexpected costs and can put that savings into a self funded individual retirement account to compliment their retirement program through their employment. This is the way everyone should try to live financially.

3. There are those that don’t use a budget, they live paycheck to paycheck, they pay the minimum balance on their credit cards or perhaps a little more, and they generally don’t have any money set aside in savings. This is the way the majority of people live financially.

4. There are those that live outside their financial means. They don’t even know how to spell the word ‘budget.’ They spend more than they make supplementing with credit cards, they barely make the minimum payments on their credit cards, they absolutely have no savings, and usually make partial payments elsewhere such as utilities, and other installment loans.

If you are in the second group, excellent, keep up the good work, and you will achieve greater financial security. If you are in the third group, you can help yourself immensely by learning how to budget what you have, economizing more, and increasing your savings. It may take you a little longer to pay off your debts and save more money, but you can achieve greater financial security by making this a top priority. If you are in group four, stop spending more than you make, cut up your credit cards, learn how to economize, and learn how to budget. You have a lot of hard work ahead of you, but if you are serious about improving your overall financial picture, you can do it by learning and educating yourself as well as exercising some financial discipline and you will see some light at the end of the tunnel. I’ve worked a long time on managing my finances and controlling my budget. The one thing I learned for certain is that it can be very challenging most of the time. Finances and budget items can change spontaneously and unexpectedly. As your family dynamics change so do your finances and budget controls. Making your money work most efficiently requires discipline and a mindset to take positive action.

To be in compliance with United States Federal Trade Commission Regulations, I must tell you that I, or my publishing company, may receive a commission from the sale of these products or programs. It takes a great deal of time to research, investigate, assemble, and publish, and to be honest, the few dollars  in commissions I, or my company, make in bringing you the best of the best in programs are what keeps my company going.  Allow me to take this time to thank you for reading this article and reviewing the following offers.

WEALTH TRIGGER

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ELIMINATE YOUR DEBTS

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PROTECT YOUR PRIVACY

In this high tech world, it becomes more important than ever before to protect your identity and financial privacy. This privacy protection program will give you the information you need to keep your personal and financial information private. This information to anonymous living will benefit you greatly in protecting your identity and preventing identity theft.  You will also use financial privacy principles for banking secrecy, gain freedom from internet stalking, and have workplace privacy and employee privacy.

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COUPLES AND MONEY

Sometimes it’s difficult enough to manage money on your own and sometimes it’s more difficult to manage money with another person. Financial management continues to be a leading cause of stress in the home. If you feel like this is happening to you and you are looking for a better way to manage money with your significant other, then this program can help. Here you will find techniques, strategies, and tools used by couples to effectively manage the household income, create harmony, and build wealth.

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My money is your money

It could be a problem but it doesn’t have to be

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DIRTY MORTGAGE FINANCING SECRETS

If you are in the market for a mortgage, you need to know how to avoid schemes and tricks brokers use, how to look for costly mistakes, and build financial security. You need to make sure you don’t get taken advantage of by being gouged for extra fees and points. Most people don’t know how to shop for a mortgage and a big reason is because most people worry about the house they are buying instead of the loan. They don’t realize it’s the loan that cost you month after month, not the house.

Mortgage lenders make big money based on how much you borrow and all the points and fees that go with it. It’s true that the mortgage business is regulated and still there is a lot of fraud. The United States Justice Department, not long ago, reported that some mortgage companies were fined over eight million dollars in just one year for overcharging thousands of unsuspecting borrows, and those are the ones that got caught, think about the ones that didn’t get caught. Oh yeah, there out there.

When I was in the business I personally knew a senior loan officer who charged ten points on a two hundred thousand dollar mortgage. That’s ten percent on two hundred thousand dollars, that’s twenty grand in fees. I asked him, “what do your customers say when they see that?” He said, “oh I don’t show them that until they get to the closing table.” I said, “don’t your customers just get up and walk out?” He said, “Yeah, sometimes, but usually by then it’s been a long wait, and I’ve dragged them through the mill, they just go ahead and sign off on it.” I said, “man, how do you sleep at night.”

This is absolutely ridiculous, to say the very most criminal, to say the very least unethical, don’t let this happen to you by being aware of all the details and read everything before you sign. (You would be surprised by how many people don’t and just sign on the dotted line.) This is excellent information for first time buyers, and for those who are buying their second or third home, or refinancing.

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Avoid schemes and tricks

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