FINANCIAL FREEDOM

Your complete guide to achieve financial freedom. Proven tips, tools and tactics for you to achieve financial freedom. Make money, save money and effectively manage your money.

FOREX Trading

Written by Dian Herdiana on 5:36 AM

A lot of individuals are interested to know more about FOREX trading. Do you want to know why? Well, Forex trading can help you earn lots of money as long as you have the right strategies and trading information. However, with one false move, you can also lose huge money. To be a successful trader, you need to be serious with all your trading transactions.

Exchanges in the Forex market develop instantly. Even the pro traders and bankers are challenged to create very commendable and well-educated trades. A single Forex trade has to be over after warily in view of various factors.

Once, just the world%u2019s largest banks were legitimate to trade openly. Things have changed greatly since the introduction of the internet. If you have an internet connection, you can already join in Forex trading. Many people are now actively involved in Forex trading because the market is very liquid.

According to the expert traders, it's easy to trade in the Forex market but for the newbies, it may be a bit difficult. You see, there are some things that you need to consider.

Many traders lose their capital and according to statistics, these traders make up 90% of the total number of traders in the Forex market. The other 10% is still split into two wherein the 5% are the breakeven traders and other 5% are those traders that fulfil profitable results. The percent of prospering Forex traders is really very small-scale as equated to the luckless ones; because of this reality, a lot of persons are scared away to invest in the Forex market.

If you want to make huge profits, one way to do that is to join Forex trading. However, to consistently earn money, you have to improve the odds involved in trading.

Education is vital if you want to succeed as a Forex trader. You should have adequate knowledge about the market and every detail you can learn is very important. You can also learn many things in Forex trading. In fact, in every transaction you make, you are bound to learn something that you can use in your future exchanges.

As a Forex trader, you should have your very own strategy or trading system. Many individuals find it difficult to follow rules and guidelines and if you're like that, the Forex market is not the place for you. You must be very strict in following your devised strategies or trading system. This is the only way to earn more profits.

Aside from having your own trading system and strategies, you should be able to analyze and study the price behavior in the Forex market. Prices tend to change rather quickly and so you need to be prepared at all times. Surprises in the Forex market is natural and you should be prepared for them.

The buying or selling decisions of traders are often influenced by psychological issues. Not all traders are rationally thinking in every transaction they make and you can use this knowledge to your advantage. That way, you can easily decide when to enter or exit.

Successful traders know how to manage their money or investment. You have to ensure that the trading account is adequately funded and you should not enter into any transaction blindly.

Now that you know something about Forex trading, do not you think it is time that you also trade in the market? If you are willing to take some risks, you can surely earn huge profits.

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Is the consolidation of your debt the right choice for you?

Written by Dian Herdiana on 10:03 AM

Brought by the present financial circumstances, majority of the people are ascertaining their expenditure to find out in what area they can tighten their belt. Many consumers are considering debt consolidation as a viable option to lowering their monthly payments. Having extra money can reallly help as everything from gas to groceries is costing more.

When Should I Consolidate?

You should seriously consider consolidation for your debts it you have several credit accounts with high interest rates and high balances. Having a large principle amount on your credit lines with high interest rates means that approximately 90% of your monthly payment is going towards interest, this means that it is going to take years to pay the principle amount off and cost you thousands of extra dollars over the life of the loan.

What Are My Options?

There are a few ways that you might want to consider for your debt consolidation. A home equity line of credit is not only one of the fastest ways, it's also one of the simplest. That would be when the person loaning you the money enables you borrow money from the difference of your homes worth compared to what you owe. With 30% of equity and with a good employment record, every lender will be glad to issue you a credit line like this.

You may want to consider refinancing your home with a cash out option. What you are doing here is remortgaging your home and receiving the equity amount back in cash. If you have a high-interest-rate mortgage on your home, you may find this choice extremely useful. Currently, the interest rates are incredibly low, which may not hold true for the months to come.

How does this process work?

Fill out an application from the lender to start the loan process. A regulation application and a financial form are the papers alot of lenders have you fill out. To fill this form out you will need all your income, savings, debt, and credit line information so you should have all that information together.

Getting It Done

Accomplishing The Task When you've decided to consolidate debt, you might wish to go to the bank where you do your banking. Since you are already an established customer, they may be more likely to give you a loan of this type. Searching the internet will also yield many excellent alternatives. They will take a look at any options available to you after you take a moment to quickly and securely complete the forms. Reducing monthly payments and increasing the speed by which you get out of debt are two good reasons why anyone with high-interest loans should investigate debt consolidation.

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Bad Credit Cash Advance Services – Be Pleasantly Surprised

Written by Dian Herdiana on 7:48 AM

If you have the misfortune to have a bad credit rating you’ll know how difficult it is to obtain credit. Or is it? Truth is that many people with bad credit ratings accept that they’re no longer able to borrow, which may not be the case. Some lenders are willing to lend money without making you go through a credit rating check. One service that offers this bad credit cash advance services.

All you need in order to qualify to apply for bad credit cash advance services is a bank account, work and a home address. Provided you have these you can make an application. If you want to apply for bad credit cash advance services then you’ll need to log on to the Internet and find a lender, which shouldn’t be too difficult as there are many lenders offering this service.

Along with your bad credit cash advance services online loan application you’ll need to provide evidence of your salary, such as your last pay-slip, and your bank account details. Once you submit these you should be able to borrow money without a credit rating check being done.

You should note, however, that bad credit cash advance services are short-term borrowing. You’ll need to repay the cash advance loan on your next payday via a direct debit from your bank account. If for any reason you need to extend this period, you’ll need to arrange this with the lender before they submit the direct debit application.

So if you are one of the million these days who is find it difficult to make ends meet and need a short-term cash advance but are worried that your bad credit rating will stop this, try bad credit cash advance services – you may be pleasantly surprised with the answer you get.

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Tips to Succeed with Personal Debt Management

Written by Dian Herdiana on 6:38 PM

Do not freak out whenever the phone rings or someone knocks at your door. This is the situation most people who have acquired lots of debts feel especially in times when they can no longer control the situation. There is still hope for you. You just have to develop a personal debt management plan. And you have to make sure that you abide by the rules that you set and the goals that you want to achieve.

You have to help yourself. You have gotten yourself in this situation. You can also help yourself to get out of this rut. Look around you. Are you surrounded by things that you don’t really need but you have acquired throughout the years? What prompted you to buy these material things? The usual answer to this is the comfort of owning a credit card, or credit cards.

The temptation is hard to resist. You don’t have to have lots of money and yet you can buy the things that you have only dreamt about. But if you give in to these thoughts, this is where you start to bury yourself with debts. You have to stop this soon and start your journey to heal and change.

While your financial problem is still manageable without going to a professional for help, you may want to start with the following steps.

1. Avoid temptations. For example, your weakness is food and yet you still go and dig for magazines or TV shows that only pique your curiosity and appetite more and more. As a result, you will indulge on your cravings even though you still cannot afford. You will think that you will only use your credit card just this time.

But the process won’t stop. The temptations won’t go as long as you succumb to its every call. So as much as you can, avoid it so that you will succeed in not thinking about such things at all. Let this be part of your healing process. If you think like you can handle such things, that you can stand yummy pictures and mouth watering delicacies on TV without thinking that you must have those immediately, then d go ahead and splurge.

2. You must have a complete overview of how much is your overall debt. You also must compute how much money you acquire each month. You have to allocate funds wisely. You have to make sure that you pay off your debts even little by little. This is better than not paying at all. With the latter, the interests may go out of hand until you can no longer even think of how you can afford to pay your debts because it simply has gotten unimaginable.

3. If you are settled on paying all your debts, you must stop acquiring more. You can call your creditors and ask for a suitable payment scheme. You can bargain for the interests to stop. You can tell them that you will just pay everything out and you are dedicated on doing that. You can ask their help on how you will be able to do that faster.

And to succeed with your personal debt management venture, you have to be determined. You have to focus on doing everything right. And you must think about your life in general before you purchase anything in the future.

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Debt management from the home

Written by Dian Herdiana on 7:46 AM

With the current economic crunch, a lot of people are feeling the burden. Prices of basic commodities have gone up and in contrast most of their stock portfolios have gone down in value because of the stock market problems. Because of this, life is harder and some people who have loans may feel it is harder to make payments than before.

But although it is hard, it is not impossible. And you don’t really need an expert to do that. You can always practice practical saving and debt management work that can save you at least some money for the rainy day. Below are some of the simple ways that you can manage your debt without really having to pay for an expert's advice.

1. Prioritize debt payments.

Remember that you are not only paying for the money that you have loaned, you are also paying for the interest that you have incurred. This can be an additional burden for you and the hard part is, you did not even got to use those interest payments. They are just add ons to the debt that you have.
If you have extra money, pay for your debts. Look at the debts that you have and pay for the ones with the highest interest rates. Some experts suggest that you set aside a percentage of your salary to debt payment to ensure that you will be slowly chipping away the debts.

2. Save on utilities and other expenses
Cut down on the things that you can cut down. This includes utilities such as electricity, gas, water, services like plumbing and gardening and other household expenses. You may not realize it but you are actually paying for more than the average family size usually need because of wastage. Turn off the lights and the TV if you are not using them. The same goes with the water. If you can walk, don't take the car. These simple areas can help you save a lot, which you can use to pay for your debts.

3. Cut the credit
Don’t get a loan anymore. If you don't have money, then practice saving and not spending! Don't borrow from other people. And if you have to borrow because of emergency expenses, make sure that you negotiate for lower interest rates or no interest rates at all.

If you have a credit card, dispose them or leave it at home and only use it for emergency situations like when you need to pay for medical bills or medicines. Otherwise, leave it at home. That way, you will no be tempted to spend more than you should.

4. Make a grocery list
Going to the grocery or to any store with a set of products that you will need to buy is a proven effective way to cut spending. With an already set items to buy, you will not be tempted to get things that you do not really need. This is especially true if you are one of those people who have the habit of unconsciously spending money on products that are not necessary. And even if you get them, the item not being in your list will make you stop and think about the purchase before you make them.

These may be simple ways towards debt management and you can sure that they are effective!

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Speed Up Your Divorce Settlement With Divorce Legal Forms

Written by Dian Herdiana on 8:27 AM

Let’s face it. Sometimes, no matter how we take care of our family, things get out of our control and we need to make huge decisions like filing for a divorce. But though this is a devastating decision to make, we need to be careful in the steps that we have to take in finalizing divorce.

Why? It is because we need to treat this as a very sensitive issue. We have to consider how your child will react to it. But, if you have already made your decision and if both of you have decided it’s not smart to live with each other anymore; then you have to file the necessary divorce legal forms next.

You will have to fill up several forms for divorce, unlike with other legal proceedings. And you need to fill them up properly so you won’t have any problem at courts. It is therefore advisable to seek for professional advice from a legal expert or from a divorce lawyer.

They will know if you are filling up the form correctly and if the form is legitimate. You know, there are lots of fake divorce legal forms out there and you may not know the difference until they cause trouble. The forms that you have to fill up also depend whether you have assets and children or none. Here are some of the legal forms that you may need to accomplish during a divorce if you have children and assets;

• Appearance form

• Fee waiver form

• Decree of Dissolution of Marriage form

• Instructions form

• Motion for Hearing form

• Notice of Hearing form

• Petition for Divorce Form

• Settlement agreement and decree of dissolution of marriage form

• Summons form

• Waiver of final hearing form

On the other hand, you will need the following divorce legal forms if you have children;

• Settlement agreement and decree of dissolution of marriage form

• Appearance form

• Decree of Dissolution of Marriage form

• Fee waiver form

• Instructions form for divorce with children

• Motion for Final hearing form

• Notice of final hearing form

• Notice of provisional hearing form

• Petition for dissolution of marriage and requests for provisional orders form

• Summons form

• Temporary order form

• Waiver of final hearing form

• Worksheet for child support

It would really help if you know what divorce legal forms you need to accomplish before filing it at a court. Just be sure to ask out if the forms are legal and are not prohibited by your state laws.

Divorce Legal Forms Online

Hiring an attorney to make your divorce forms can sometimes be costly. And so are buying them from stores selling legal forms and papers. If you are in need of these forms but are on a tight budget, you can always surf the internet for free and downloadable divorce legal forms.

There are lots of these on the World Wide Web. Just check if the one you are downloading is what you need and whether downloaded forms are legal in the place where you live. To be sure, you can go to your local library and check whether what you have is legitimate, up to date and accepted at courts. You can even ask the clerk there to check on your forms.

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Achieving Financial Freedom

Written by Dian Herdiana on 9:04 AM

To understand ''financial freedom'' one has to come out of the traditional concepts regarding income and expenses.

We have been taught that timely work generates money. ''Financial freedom'' opposes this concept of time-for-money swap and lets the money work for the individual instead. However, in spite of this advantage many professionals find it difficult to work without a fixed routine.

Thus, to achieve financial freedom one needs to change their old mindsets and develop a new attitude towards earning money. One has to realize that money is simply the means to achieve ends.

One also has to bear in mind that a person is not able to be judged by the money he possesses. Unless these misconceptions are cleared the entire purpose of financial freedom is defeated since satisfaction is the keyword to financial freedom.

Similarly, one also has to get rid of the negative attitude towards earning money. While excess demand for wealth hampers one's healthy relationship with finances, a healthy perception of money is necessary to maintain an over-all balance. Bear in mind that one earns money to achieve ends and therefore, it is healthy and normal to earn money as long as one feels the ethical need to do so.

In the end, one may say that financial freedom is the state of mind which works towards development through a process of self liberation.

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Online Tax Consultation

Written by Dian Herdiana on 9:02 AM

Online tax consultation is at present happily accessible thankfulness to the participation of various CPA's. When tax time comes around, numerous men and women have different questions and they do not always understand a CPA they are able to ask, or sometimes they are not able to take the time off work to go take in one.

At present, there are CPA's willing to dispense their advice day and night to those willing to ask. Now there is no excuse or reason not to ask those questions.

Though there is a slight cost to the online consultation, it is unreasonably low. Some sites even offer you a free trial or even two free questions a month. It does not get much more affordable than that.

You get to establish a CPA-client relationship in a comfortable environment, online in your own home. If you like the CPA you are working with, you are able to work further with them, if not, you are then able to seek out others who may better fit your personality and needs.

What happens is when you are ready to ask a question, you log into the system as a member and ask the question. You typically have CPA's to choose from and the chosen CPA is going to respond to you within about three days.

You are going to receive an e mail notification when your question is answered, but it is good to check back regularly until your question is answered. This is a very beneficial service and anyone with a tax question should take the time to set up an online tax consultation.

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Smart Ways to Cut Costs and Realize Savings Each Month

Written by Dian Herdiana on 11:29 PM

Whether you are single or married with children you are likely in need of additional money-saving tips. The most obvious is to have a disciplined mindset.

More specifically you will want to apply one or more of these principles:

Make your own gourmet meals instead of going out. This is perfect for a couple who wants to indulge in a romantic evening but does not make enough money to invest in a night out on a town. Your favorite food, a reasonably-priced bottle of wine, and an old music collection to play in the background may be ideal.

Repair or alter damaged/outdated clothing. If you or someone near you is handy with needle and thread you can very quickly make easy repairs. Furthermore, if you know anything at all about sewing you can alter outdated items to keep up with today's fashion.

Find less-expensive ways to entertain your family. It can be hard to always invest in fun for your whole family if you have one. Days at the local beach, trail walking, or window shopping are often fun activities. If you go to fairs you may want to pack a picnic lunch if permissible. It will save you from spending all your hard-earned cash on over-priced fairground food.

Make wise purchases on video games, audio devices, and appliances. For instance, you will want to purchase items that can be repair or replaced for cheap rates. Do not waste your money investing in items you know will be outdated. For instance, many places are now selling video cams for cheap because the new HD will be coming out the following year.

Order water instead of soda with your meal. This can save you $7.00 a week if you eat out at least once a day. This is often the case with persons employed in business-related and financial-related fields. Ironically enough, even people knowledgeable about wise investment need this advice too.

Prepare "convenience" foods ahead of time. You can prepare and store your own on-the-go foods for lower prices than you would if you buy single-serving foods in the store. This is great advice whether you are single or not.

For singles: Share an apartment. There is no shame if you are a legal adult and making it on your own to want to save money sharing a place with someone. Do not ever let anyone think of you as less of a person if you are paying all your own expenses.

Besides, if you are truly independent living with someone is not going to change that. You are still likely to take care of yourself and be responsible. It would be less lonely for you to live with someone as a single person anyway.

Consider alternative housing situations. You can even find whole communities of people who live on the same plot of land and share resources and expenses. Each situation is set up differently so you will be able to find one that is most suitable for you.

Cut down on unhealthy, costly habits. Just think of all the gadgets, trips, and essentials you could by if you were not spending an average of 40 to 100 dollars per month on alcohol, cigarettes, and other substances. It is even recommended that you cut down on soda, coffee, and other caffeinated beverages.

Purchase in bulk. If you must have a vice or two, such as soda or beer, it is often cheaper to purchase it in bulk. All types of foods can be purchased this way. The cost up front is much more but you will not need to shop for awhile.

Capitalize on unused items. If you own items or find items that are no longer used by you or someone else sell them. Someone out there is bound to buy them even if you think they are absolutely useless.

This list of creative money-saving tips should get you started. There are more bits of advice where this came from!

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Simply living

Written by Dian Herdiana on 5:09 AM

Simply living is about living a happy, fulfilled life that has purpose and meaning. It is about having control over how and where you spend your money, and how you spend your time. When you establish goals for a satisfying life, you take control of the present and the future and you are going to quickly learn that ‘less is more’.

In a world where hyperconsumerism is rampant, you are able to bask in the glow of a newfound freedom from debt. But it is not just being debt-free that helps you create the life you desire. It involves more than money. You focus not only on your financial wealth, but you create a new life that encompasses:

1. Financial wealth
2. Mental wealth
3. Physical wealth
4.Spiritual wealth

Simply living gives you fulfillment and joy in living every day. It does not take money to be happy, but you may find that being happy leads to more meaningful jobs and work that are able to result in having more money. When you are happier with your work, your life, your family, and yourself, you are more productive and creative.

You identify new ways to build wealth in all areas of your life. The focus is no longer on the material possessions of the world or the social clout you have. It is about a life lived to its fullest – with purpose and meaning.

And all by living simply happy and debt-free!

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