Financial Planning/Personal Finance

Can You Really Retire in Thailand On $500 Per Month?

Retiring in Thailand is something I have been planning for ever since I can remember. From my first visit to Bangkok in 1973, to my last trip to Khon Kaen 3 months ago, I constantly think and plan for my retirement in the Land of Smiles.

Do You Have A Plan For Sticking To Your Budget?

So you’ve made your budget and it looks good on paper. Great! Now it is time to implement it. But are you ready to follow the budget you’ve developed? Here are some helpful tips to keep you on track with your budget.

1. Determine why you made a budget. There is a reason you have put time into developing your budget, now you need to put into writing what your goals are. Do you want to be debt free, live on one income, or save for retirement? Make this into your personal or…

Avoiding Get Rich Quick Scams Avoiding Get Rich Quick Scams Get Rich Quick Scams

Please be careful, there are many online scams that are simply out to part you and your hard earned cash. I should know as I have reviewed a great many of them.

When you decide to build a career online (or just want some extra cash) and if you are anything like me there are a couple of things you will probably try :

Creating Surplus Cash For Savings and Investments

Living below your means is more a matter of self-discipline. A few adjustments here and there could be all it takes to have the necessary funds available for saving and investing.

7 Steps to Preventing Identity Theft

In the course of the day, you do many activities that put your personal information at risk – from writing a check at the store to charging merchandise in person or over the phone. You may not think twice about these transactions, but others might.

Are You Having Sleepless Nights Because Of Your Finances?

You’ve worked hard all day and come home at night, only to discover that you can’t get comfortable in your own bed. You toss and you turn for well over three hours. As 3a.m. approaches, you finally go to sleep but the alarm sounds all too quickly at 6 a.m. It’s time for you to go to work. Day two comes and you’re off again to the usual rat race. You repeat the same pattern once you get home. Later that night you lay in bed, thinking how you’re going to pay all of these bills….

Debt Relief Promises May Really Be Offering Bankruptcy

Can I really repair my credit? You can, if you have patience and persistence and watch out for the scam artists.

Steps To Avoiding Impulse Spending

Avoiding Impulse Spending

7 Tips To Increase Your Credit Score

Having a high credit score can mean the difference of thousands of dollars of saved interest expense compared to others with a lower score. For example, if you improve credit score results from the credit bureaus, just a few points that increase your credit score can make huge difference in the interest rate you will pay for a home purchase. It pays to increase your credit score!

A Fresh Mindset On Retirement Income

If you are like most people in the ‘over 50’ or Baby Boomer crowd, you are rightfully concerned about having saved enough to provide enough income in your retirement years. That income will be needed to allow you and your spouse to relax and enjoy your well earned retirement years. Like me, you have probably dreamed of the time when you would have more control over your lifestyle and not have to put up with jobs or people you do not care for just to make ends meet.

No, we …

Are You Living Beyond Your Means?

How easy is it to get into debt these days? Too easy. But how can you tell how much debt is too much and what can you do about it? Well if you’ve got money problems, here’s the answer. Just take the simple test to see if you’ve got a debt problem and then read the answer for what to do about it.

9 Places You Can Save Money For Your Family

Most families are spending more and more money every year (and not just because the cost of living rose) while also saving less and less. One reason is that few household managers spend much time reviewing expenses and expenditures to find ways they can save money. However almost every family has places where costs can be cut and pennies can be pinched — and if those freed up funds are then used to pay down debt and save for the future it could have a dramatic impact on thei…

Retirement Calculator: How Much Will It Cost You to Retire?

Retirement Calculator: How Much Will It Cost You to Retire?

Always Compare Prices

If you are anything like me, you have to abide by a strict budget in order to see all of your bills taken care of each month. Most months there aren’t extra dollars laying around to be spent freely on anything you want. Sure, you might splurge on an occasional coffee or two, but for the most part the money you earn goes right to keeping you living each month. I have discovered a small but significant way to help curb my expenses and allow for a small amount of ‘fun money’ eac…

Do You Have Financial Phobia?

More and more people are suffering from a fear of personal finance, which can have a devastating effect on their lives. What is financial phobia, and what causes it?

Financial Mistakes To Learn From

In this day and age, there really shouldn’t be any reason to make certain financial mistakes. Do a search of the internet and you will find that there are thousands of articles out there that warn you of the pitfalls of certain choices. Advice for living a financially stable life is everywhere. What are you waiting for?

Why You Should Care At All About Choosing A Bank And What To Watch Out For…

Choosing a bank is not rocket science but some common sense and a nice handy list of questions will save you some major headaches down the road by choosing a bank now that will meet your needs later.

Action Plan: How to power down your debt NOW

It will take you on average between 25 to 30 years to pay off your credit card at the minimal amount. This will not do.

10 Quick Tips To Save Money

Money, according to a classical definition, is what money does. And truth, as they say, is like a rubber band. Stretch it and it can do wonders. So if we can really make money in order to do whatever we want, there is nothing like that.

Get Money for Yourself from Purchase Protection Insurance

Little do many credit card holders know that they can actually get money for themselves if they are able to avail on purchase protection insurance? The mentioned insurance is offered by credit card companies to their card holders. Most often than not, the insurance is offered for free or you may need to pay a little amount to be able to avail. The insurance will then entitle you for a refund in case the certain item you have purchased using credit card will be lost, damaged or was stolen.

Get Money for Accidents and Malpractices

Americans have this notion that they can get money for the accident that they have met or out from a person’s negligence. This is actually true. Every person has the right to receive a just compensation for the damage that he has acquired due to a product’s malfunction or defect and also from a certain person’s carelessness.

Get Money for Dealing with Legal Matters

Legal matters require a company to get money for such undertaking. Legal matters are issues that a company needs to face once in a while. Lawsuits from customers, agents and from other enterprises are a matter that is almost inevitable for a company. Furthermore, having to deal with legal matters pains the company much in the sense that lawsuits these days are very expensive. In addition to that, lawsuits also bring the company in a bad light due to the negative exposure. It is a basic rule on entrepreneurship that lawsuits should be avoided if possible.

Get Money for the Company through Intellectual Property

To be able to get money for the company, it is a must to secure the business’ intellectual property. Intellectual property allows the company an exclusive right and ownership towards creative, original ideas and concepts that proves to be useful and advantageous on entrepreneurship.

Get Money for Your Invention – Hire a Patent Lawyer

You can get money for your invention in no time if you are able to find a patent lawyer to work for you. The patent lawyer will be responsible for the sales of your invention and make it a hit in the market. The lawyer will essentially determine how well your invention fare so having a good one is necessary. Also, the lawyer must be reliable and can be trusted.

Get Money for Yourself through Patent of the Invention

An inventor can get money for himself out of the patent of his invention. There are two kinds of patent an inventor can choose from: provision or non-provisional patent.

Get Money For – How a Disabled Person Can Get Money for Himself

A disabled can absolutely get money for himself through the insurance company. The Social Security Disability insurance allows a disabled person become eligible to the said claim. Although, there are applications that are denied however it does not follow that all applications will be denied. Below are important tips on how to have a SSDI claim approved.

Why Having A Budget Is The First Step To Getting Out Of Debt

Many people constantly complain about being in debt, but when you ask: do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse. I am always amazed at this; how can you ever get out of debt if you don’t change your mindset and if you aren’t willing to work hard and make sacrifices? There is no quick fix or cure-all to get out of debt. It takes a l…

Can You Still Grocery Shop On A Budget?

When you go grocery shopping, do you find yourself coming home with more than you went out for, a receipt a mile long, and the wallet a little lighter? While it’s not necessary to be the Martha Stewart of shopping, there are some things you can do to reduce the time and money you spend at the grocery store.

1) Plan your menu a month ahead. Stick with nutritional meals with lots of grains and vegetables—theses can be found for relatively inexpensive prices.

2) Be specifi…

Preparing For The Unexpected – Unemployment

While many people don’t like to talk about it unemployment is something very real that has the potential to be very damaging for the ill prepared. Due to poor planning and denial, many people once unemployed find themselves in a severe financial struggle. Credit card companies are calling them at home, at their old offices, and in some cases contacting them via mail and e-mail. So not only are they being stalked by creditors they are also, more than likely, getting calls of r…

8 Danger Signals to foretell you are on the debt road

Debt consolidation is a major concern throughout the world. There are many things that one needs to watch for to avoid this malady and this stands true for all types of people. The article will try to highlight a few danger signals which can foretell that you are on the debt road – so you can recognize them and straighten things out.

15 Ways Average Person Can Overcome Increasing And Overwhelming Debt

Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, weekly and/or monthly and aid you in reducing expenses where needed.

1) Accept the fact you are in debt and forgive yourself. If you are in denial, you are more likely to repeat the pattern.

2) Reduce monthly expenditures. For example, once the price of gas increased, our monthly gas costs went from roughly $200 to …

3 Simples Ways To Avoid Bankruptcy

In this debt-ridden society, many people are in severe financial difficulties. While bankruptcy is the last step in a long road of financial pressures for many, others opt for this solution too early, sometimes without considering suitable bankruptcy alternatives.

A Frugal Lifestyle

The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate or tightwad. There is a thin line difference to saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from.

But if you are guided with the right principles and reasons in deciding to live a frugal life, you would never go wrong.

If you have decided to live frugally, no need to be worried of i…

7 Quick Cash Fixes To Recover From A Money Emergency

When you are desperate to raise emergency funds, it usually doesn’t take very long for you to realize who really cares about you, who is truly a friend … be they family or not.

Here are a few emergency budgeting tips:

Budgeting Tip #1: The first thing you want to do is prioritize to get back on track very quickly. If that means letting your credit card bill go for a bit, so be it. As soon as you realize that you have a money emergency, contact your credit card issue…

Cash Gifting: Which Cash Gifting Program is Right for You?

Cash gifting is a wonderful way to help others as well as to induce benefit into your own life. To give is good.

Checking Accounts For Couples

It was not very long ago that when a couple were married their finances became merged and everything was as one

Ten Financial Steps to Live By

Have you ever stopped to examine where your financial life is heading? Many of us have no idea where we are financially. Most of us know, I am convinced, that although we are all human and will make mistakes, experience is a nasty teacher. We know that we are in debt, have bills to pay, and many times don’t have money left over at the end of the month. But when asked what is their net worth, many honestly couldn’t answer because we would rather avoid thinking about something that has gone out of control.

Do you overspend each month? Then, let’s stop that bad habit!

Every dollar you overspend each month can be saved for your future goals/dreams. Below are some detailed steps to stop your unhealthy repetitive behavior of overspending.

Don’t Know How to Start Saving Money? Then, Read This Article!

Did you ever feel you just weren’t able to save money; and didn’t know where to start? We’ll show you some small steps you can take to start saving some money right away. Taking these small steps should show you a difference within a month. Ultimately, it can lead you to bigger savings in the future. See below for instructions.

Do You Have a Dream You Want to Achieve? Then, Start Mapping Out Your Money Goals!

Setting your money goals will help ensure that you will achieve them. A detailed, step-by-step plan will guarantee your achievement of your money goals.

So what are some benefits of mapping out your money goals?

How to Get on the Right Retirement Path in 2010 Part 1

5 Steps to Get Yourself on the Right Retirement Path When You Are 25 The stock market meltdown and recession shattered most Americans’ image of an idyllic retirement. The non-profit Employee Benefit Research Institute released this month a survey with stunning results. What do you think about this – talking about shaky savings habits evident […]

Steps To Spend Less To Make More

Here’s my view of the world:

Market forces are stronger than any government. Throughout history, governments cheapen currencies.
Markets go up, sideways and down. The more they manipulate markets, the more you pay the consequences.

Most politicians do not understand economics and money. Many politicians are promoters – some con men. Few politicians and few people have your best interest in mind.

Get onto the Fast Track to Wealth

What if you woke up one morning and, suddenly, your commute to work was full of detours. No matter which roads you took, you could not get back onto the road you normally took to work.

Steps to Your Cramdown Strategy for Financial Staying Power

More from the front lines. Many of the liquid players are watching for opportunities. Follow these 9 Steps the Wealthy (individuals and companies alike) are taking to tighten up and get their finances organized: Step 1. Survival First Step 2. Maximize Your Cash Position Step 3. Manage Your Credit tightly Step 4. Reduce debt Step […]


Roger Due

Investing in Your Destiny® & Coaching Program - Wealth Building Summit Dallas, Texas

My name is Roger Due and I am from Albuquerque, New Mexico and I am the owner of the Monsano software company. This has been an absolutely fantastic conference. This is the best I have ever been to.