The Four Pillars Of Financial Intelligence

You would think it would be easy to get people to admit that they want to be rich and then take action, wouldn’t you? But no, people are very worried about firstly admitting they want to be wealthier, and then very fearful of taking action. So, as a Wealth Coach, I usually prefer to talk about Financial Intelligence rather than Wealth Creation.

In order for people to get excited enough to make the leap and join The Money Gym, we have to talk about becoming a millionaire, and the millionaires we have helped create, because most people can’t often be bothered for anything less.

Unless there are guaranteed results and they are big and compelling enough, people often don’t want to pick up a book turn off the tv, go to workshops and learn anything new, certainly not for anything less than millions. And they want it quick too!

Really, Wealth Creation and Financial Intelligence are very similar animals, but Wealth Creation needs to be underpinned by Financial Intelligence, otherwise the wealth will go the way of the wealth of most lottery or competition winners up the Swanee, spent on fast cars, big houses, champagne and very unsuitable companions!

Actually I just described my old age, if you add in long holidays in the caribbean, purple velour shell suits, with lurid hair to match, lots of bling and unfeasibly high gold sandals.

However, rather than my frittering away my kids inheritance, my old age will be funded from ever renewing wealth, because I will have finally graduated in Financial Intelligence 101 by then.

I’ll come back to the kids inheritance later.

How can you train your brain to think in a Financially Intelligent manner? I like to think of Financial Intelligence as a platform on which you build your wealth. And like any platform, it needs to have a sturdy support, which I think of as….The Four Pillars of Financial Intelligence .

PILLAR ONE

Pillar One is “Managing Your Mind” where you discover where you are now financially, your family history with money, where your beliefs, behaviours and attitudes to money have often come from.

Then you must look at your abundance versus your scarcity thinking and learn how to monitor that carefully because that old scarcity thinking will pop up when you least expect it.

Whenever you find yourself thinking “I can’t afford it” then you need to beware! You are getting into the wrong mind set and closing yourself off to ideas.

Think instead “how could I afford it?”

PILLAR TWO

Pillar Two is “Managing Your Money” and covers budgeting, cashflow management and projections, credit management and debt busting. Knowing the difference between good debt and bad debt (and if you don’t know the difference then you need to read “Rich Dad Poor Dad” by Robert Kiyosaki fast!).

Learning how to pay yourself first rather than paying Starbucks, Vodaphone, your local curry house, Sainsburys, Egg, Total Petrol, and the list goes on

Spraying Perfume And Cologne – Why Do People Do It

Why do people wear perfumes and colognes? It’s no doubt that people wear them to smell good, and as a result, which is why the perfume industry continues to be a successful market. Perfumes not only make us smell great, but it makes us feel more attractive. So what are the other reasons why people wear perfumes and colognes?
There are a few different reasons why people choose to don on a scent. One, is that people love buying designer colognes and perfumes because they are a fan of the brand. Scents endorsed by celebrities are a continued success, since people want to buy things that they think they’re using, which is an effective way of marketing.
Besides using celebrities, another way that companies market their products is through their packaging. Designer perfumes bank on their name, and the striking looks of it’s bottles and the boxes it comes in. Beautiful packaging increases it’s aesthetic and economic values.
To compliment this, they use equally attractive models in their advertisements. In these ads, the models hold the bottles of cologne and perfume, making it seem like they were more beautiful after having used the product. A sure way to get consumers to buy their product.
Of course, there are those who buy the scents simply because they like the way it smells. So the buy the scent solely on the fragrance.
But the biggest reason why women buy perfume is that it makes them feel more attractive, giving a boost to their self-confidence. Men buy colognes for the exact same purpose: they buy them thinking that it will make them more attractive to women.
Isn’t it great that we have the modern advantage of having easy access to colognes and perfumes? Especially since this wasn’t the case many centuries ago, when most people had to rely on scented oils to smell fresh by masking their body odors. (That’s because most people didn’t take baths everyday. Eww.)
See, that’s just a few reasons why people love to get colognes and perfumes. And if you do find yourself smelling a little ripe, try taking a bath first. That’s cheaper.

Whats The Buzz About Data Entry Work At Home

Have you ever wondered why online data entry work at home jobs are becoming increasingly popular? Whats the buzz all about? Whats so special about online data entry jobs? This article will answer all of these questions.

First lets see what data entry is. Many companies want to have an updated database or want to make a new one such as database entry from transcription. Generally, good typists, who are proficient, are needed to make the entries and deliver the database on time. For this reason companies look to outsource the work and you will find a data entry jobs online becoming increasingly popular.

There are many reasons as to why, some of them are:
Time: You can choose your own working hours. How much you want to spend on data entry job depends entirely on you. This is especially helpful for those work-at-home moms who want to work part time while looking after their home as well.
Financial support: Once you start working data entry work at home you will see a sudden change in your financial status. Although your income level will slowly increase but it will definitely help and support you financially. You will see reduction in your living expenses especially.
In-Control: When you opt to work for data entry jobs you are the boss. You will make your own decisions as to which type of job you want to take up. Not only this you will choose the workings hours yourself. Once awarded, you can complete it anytime such as start working after dinner but make sure that it is completed in-time.
Variety: Having to do monotonic job is boring and one gets tired of doing same job over and over again but with data entry work at home this is not the case. Each time you will have a different job to perform and you can enjoy your work.

The Hp Cp 1510 Color Laser Jet Printer Best Suited

The HP 1510 NFI is a best suited model of a color Laser Jet Printer that can be used for the daily use of the people. It as a machine for printing you daily
copies or prints can be used for your personal use at your home or in your business or at your office or your personal establishment and so on. This gives you the best prints with the highest quality and durability. If you talk about the speed it is also something that will surprise you. It is a very moderate level product made available in the market by Hewlett Packard for sale that has become very famous and is demanded by the common class on higher end. This is because the printer is made available as an economic product understanding the inconvenience in getting the required quality prints by the people today in this fast and advanced life.

High quality printer
No body today in this busy world and hectic life has excess time to waste it on slow printing machines and also that much money to waste it on low quality prints. Even if you are a house person, a student or so, you know how much the shop keepers charge you for even a single small piece of printout. HP knows this problem and with due consideration has introduced this product laser jet color printer for all your problems. This can be also called a as a solution for economic class for printing. You can have your own printer now for all types of prints and that too best in the quality. You have a warranty as well with this product and can rest assure that you will have to face no problem with this Hewlett packard CP 1510 NFI, unlike the other company printers that make you run behind them every now and then. You are allotted with an option to print as and when you require, may it be a black and white print or a color one, you can print it on your own will.

Ease in use
HP 1510 Laser Jet Printer is not approximating the other intricate printers that are very multifarious in their use. The printer has been given a very simple functioning which has mad it very easy in operation. The space utilization of the product is also a very good point about it, as it can fit in any place even at your house with out taking much space. The designs are also very superb in this model that is designed in such a way that it has to suit any wall or any establishment without any complaints.

Economics Assignment Help A Better Method Of Learning

Economics is a science that studies the congregation, distribution, and utilization of products further as services. It is therefore among the leading sensible and interesting subject of study in faculties, schools and universities.

Economics assignment help caters to the requirements of students from different stages of academic sessions keeping in mind the fact that economic science forms a basic a part of curriculum of study in schools, colleges and universities. This subject attracts researches further due to their area. Various online firms provide assignment help for subjects like economics, engineering etc. These firms employ associate degree professional panel of online tutors to fulfill the requirements of the students over the globe.

These online services especially help those students who are unable to complete their assignment within the appointed time. Engineering and Economics project help or Homework Help offered by experienced and professional assignment writers is one of the best solutions for them. Thus it is not entirely needed to check economic science however conjointly to clear the ideas and take hold over them. Students need to write economics assignment for different semesters of their academic session. Here, they can take the help of various online assignment help services to write result-oriented assignments.

http://www.theglobaltutors.com/

Today, students need to compete with themselves to stay ahead in the league of success. For this they need to write various assignments for various subjects. Students who aspire to become a successful engineer can take online Engineering Assignment Help to complete their required assignments on time and can avail better results as well.

With broad extent and prospects of engineering a number of students have shown keen interest in this subject and are also taking up engineering assignment help as well. Through advent of the latest expertise plenty of students are taking help of the net engineering assignments. The methods and systems which are taught here are far more interesting and superior than the conservative methods which are followed in the colleges and universities.

Engineering is not easy to master alone. An upright student will be able to attain higher results with the help of correct steerage and for this the scholar got to learn the basics from a reliable and authentic supply. At present, there are various organized online tutoring facilities with the help of which the college students can study different subjects online with the help of the simplest tutors from all over the place the globe.

http://www.theglobaltutors.com/economics-assignment-help.aspx

China And Hong Kong Are Making A Major Impact On Wine Sales

For some time now, China has been the fastest growing wine market in the world. The market for imported wine developed seemingly overnight, and both fine and low cost wines are flooding supermarkets and stores throughout the nation. Chinese buyers account for a great deal of wine purchases from major auctions, and red wine sales have seen nothing short of explosive growth within the country in the past few years. As grain based alcohol continues to wane in popularity in the region, wine certainly seems to be stepping in to fill the void it is leaving behind.

Equally impressive is the rise of Hong Kong as a leading hub for the importation of wine. As the first major economy in the entire world to impose no taxes or duties on wine, it certainly offers great appeal and its geographic position makes it the idea distribution point for the transport of wine onto the Chinese mainland. Wine investors from Hong Kong and China now make up about forty percent of the wine investment in the UK, and imports are still increasing in rapid numbers.

China and Hong Kong make up a vast majority of the Asian wine market. Between the two nations, they currently comprise about sixty percent of the market. If Hong Kong indeed becomes the hub of import for fine wines and the two markets join together as one, it will be the eighth largest market in the world. Increased demand and the growing popularity of wine in the region could push the market even higher on the list. Because of these factors, catering to the Asian wine market has become even more important for fine wine manufacturers. Breaking into the market has proven difficult at best, but for those who have found entry, the results have been quite lucrative.

The impact of these nations on the wine industry has already been significant and it is only just beginning. With Hong Kong poised to become Asias main hub for the importation of wine and with demand for both fine and low cost wines skyrocketing throughout the region, many winemakers are waiting with anticipation to see what the future holds in these markets. The region is seeing immense economic success, and the result has helped many winemakers see continued success in the wake of a global economic downturn. The future of wine in Asia is bright, and the impact is being enjoyed by winemakers across the globe.

AGLOCO The Internet’s First Economic Network

Today’s hottest Internet businesses are all about the power of social networks. Companies like MySpace, Facebook, and YouTube have become worth billions because businesses have realized that these social networks are generating huge advertising and marketing opportunities. As these social networks grow, the economic potential for its owners and the advertisers who target the site’s users is remarkable.

At AGLOCO, we asked a simple question: The users created the community, where’s their share of the profit?

It was from this question that AGLOCO set out to create the Internet’s first Economic Network, harnessing the power of Internet-based social networks to directly benefit the Members who help to create the community.

Becoming a member of AGLOCO is as simple as completing a brief sign-up page (name, age, location and email address.). Once you’re a Member, you will be asked to then download the Viewbar software. (Note: the Viewbar software is currently unavailable, as it is in closed testing. It will be ready for public download in a few weeks, and members will be notified when it is available.)

AGLOCO makes money for its Members in many ways:

1. Search: Every time you use the Viewbar to do an Internet search, AGLOCO earns money from the search engine providers. (For example, Google pays as much as $0.10 on average for each search that is directed to its search engine.)

2. Advertising: The Viewbar itself displays ads that are targeted based upon the websites you’re visiting. When you click on an ad and make a purchase, AGLOCO receives a referral fee, which we pass on to our Members. (Please note: Individual members do not receive any compensation for clicking on ads in the Viewbar, and the Viewbar can detect if someone is clicking ads in a fraudulent manner.)

3. Transaction commissions: Many major retailers pay commissions when you refer customers who make a purchase. AGLOCO collects that commission and passes it on to our members. (For example, Amazon pays an 8.5% commission to most websites who refer customers, and has cut deals for even larger percentages. The bigger the AGLOCO community, the better commission we can negotiate for our Members.)

4. Software distribution: Numerous software companies pay websites to encourage the download of new software releases (for example, Adobe’s Flash and Acrobat Reader software), and trial versions of new programs. AGLOCO members not only get access to the latest and coolest software, they get paid for it.

5. Service distribution: Many online service providers will look to the AGLOCO community as a source of new and active users for their services. (For example, eBay, Skype, and PayPal, among others, all pay fees to people who help them recruit new active users to their services)

6. Product distribution: When Members agree to use a product, such as cell phones, high-tech gadgets, office supplies, new credit cards or financial services, AGLOCO can collect referral fees. Some companies even offer special rebate and cash-back programs.

Financial Infidelity What Is It

Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at www.solutionsoflife.com or call 770-638-7145 for a free 30-minute no obligation consultation.

Advantages And Disadvantages Of Maintaining Data Through Excel

Excel is a great method of information and database management that is being used by almost all companies big or small. This kind of a job is mostly performed by excel experts, who can either be outsourced or can be an employee of your company, but before you select one , you must ensure that he has adequate knowledge about the subject and is able to professionally develop the database of your company. If the database of your company is handled by any non- professional excel consultant, then there is a fair chance of typical problems to arise.

The major advantage of using Excel is, it does not require any additional software to be installed in your computer, your computer is likely already equipped with Microsoft Office and can immediately start your programming process. Excel is easy to use, user friendly, and most people can get in and review the spreadsheet and make simple changes, in the absence of excel consultant. In case, when the records of your company grows huge, in such situation the excel applications can be easily upgraded into access, oracle or SQL server. Database stored in excel can easily be integrated into pivot tables, by just connecting it directly to OLAP database.

Being rich in financial modules, the expert hired by you to take care of excel, does not have to create separate financial modules. Excel can perform many financial functions which includes, fixed assets depreciation. Excel is also very portable, this ensures that the data can be easily sent to other offices, at different location through e-mail. In case, while e-mailing the excel database, you have accidentally sent it to a person who is not authorized, in such a situation the problem can be solved by applying a password protection to the document. This password will protect your database from unauthorized usage.

Along with the various advantages, maintaining database using excel application also has certain disadvantages. The disadvantages are not so serious that you cannot work around them, and can be minimized. In case when the file containing the database becomes very large, then there is a chance your program will run very slow. This is the reason that the excel experts make the program compact or store each applications in different files, the smaller the files the faster the execution. Many times by dividing the database into several files there is a high chance that the excel files might get lost in the hard drive. Excel worksheet has a limited number of rows, this is the reason that the excel consultants convert the database into access when the database crosses the limit of 65,000 lines.

Outsourcing the job can be a cheaper option, but if you have an in house Excel expert you can always maintain constant support in handling routine problems. For larger problems, an outside Excel consultant may be helpful.

China Economy Why China Likes Small Cap Stocks

China Economy: Why China Likes Small Cap Stocks

About: (Purchasing Manager’s Index (PMI), HSBC, China economy, China Stock Digest, China small cap stock, Smaller cap, China economy, Chinese economy, China stock market) Bookmark and Share

The newswires are buzzing about China’s growth curve once again. This time there’s intense debate about the meaning of the latest manufacturing data. Is it up? Or is it down?

The answer is a bit of both and figuring out why is important.

First the news. A government-backed Purchasing Manager’s Index (PMI) declined to 55.8 last month from 56.6 in December, a slight loss indeed. But that figure is at odds with HSBC’s China PMI survey, which actually showed a rise in January, to 57.4 from 56.1. What should we make of this difference?

First of all disregard news outlets that say the government PMI decline signals a drop in China’s growth trend. Any reading above 50 on the PMI indicates ongoing growth in the manufacturing sector. Period. The PMI has been signaling growth since last year.

The HSBC purchasing manager’s index is slightly different from the Chinese government reading in one important way. The government PMI looks at large and state-owned companies, while HSBC’s sample of more than 400 companies is weighted more toward smaller businesses and export-related companies.

That means the declining government PMI shows that large cap state firms are somewhat weaker than small cap companies. HSBC finds small caps are growing more quickly.

The HSBC rating also indicates strength in export-related industries. The giant Japanese brokerage backs this up in an analysis given to Bloomberg. Nomura forecasts the Chinese economy will gain momentum this quarter as exports surge 30 percent! Nomura predicts that China’s economy will grow at a blistering 12 percent this year. Pessimists see this as bad news.

Some news reports argue that strong growth will force the Chinese government to clamp down on lending to prevent asset bubbles from developing. That, they claim, would be bad for business and bad for the markets.

But we and many other China watchers see interest rate hikes as an inevitable trend in the coming year. The effects of this and other clampdowns on industrial growth are already assumed, and “baked-in” to stock prices.

What counts is the growth. Smaller cap companies and exporters are on a trajectory for double-digit growth in 2010. There will always be pessimists and critics of the China growth story. But what counts is not temporary lending halts or fractional increases in interest rates. It is the big picture.

The big picture still indicates that China will continue to grow faster than any other major economy.