Your Financing Strategy Ask questions from your bankers which of one these will benefits you most and which one could be costly to you. You can also get free checks when you open your account, you do not need to pay for checks. All checks are processed the same way that is up to you and how you manage your money. -Savings Accounts: Custom Savings, Money Market Account Checking Accounts: Economy Checking, Express Checking, -Regular Checking, Senior Checking, Student checking -Your Debit/Visa Card to use for shopping could be free when you open your account, make sure you ask for it, at times they will ask you if you want one or not. Where you use your Debit/Visa Card to withdraw money matters to your bank, it could cost you for using it at the wrong places, ask your banker for information where you could use your card without paying extra charges... Some banks charges between $1.00 up to $3.00 if you use their card to withdraw money from another bank that they do not do business with. It is your money... Each one of the above has advantages and dis-advantages, be careful when you are opening your accounts; you could loose money to the bank right away. You also need to know if your monthly statements are going to be free or not, when you make inquiries, the bank could be charging you for too many inquiries. Some things are free from the big banks and something's are cheaper from the community banks. Basic Requirements for lending you money: · Savings and Checking Account · (2) Good Credit or No Credit it depends where you are getting the money. · (3) Collateral such as your House, Car, Boat, Gold/diamond or any valuable assets they can hold on · Driver's License, · Social Security numbers · Good Employment, at least for six months. Lenders Information: Big Bank requirements- Can be very tough to meet because they have to abide by the 'Federal Reserve Bank or Federal Deposit Insurance Corporation (FDIC)' regulations. They got their money from the Federal Reserve Bank at a lower rate, however, they could turn around and loan it to the smaller banks at a higher rate, and the smaller banks loan it at higher quote rate to the public. Community Bank requirements/Credit Union: Well, the community bank is no different either, they turn to the big banks to borrow money at a lower rate so that they can loan it to their customers/clients at a higher rate to make some profit to stay in business. Private Capital market requirement: This is where the business gets tougher. The Capital Market enterprise is a big boy on the Wall Street, where they can finance just about anything they like, because they are not being regulated by the government, it is an individual rich businessmen that have money to loan out at a higher rate. They are not required to follow financing rule rigidly as the bank does, but they still have follow the consumer law that protect all of us from being taken advantage of. Family friends requirement: This one is your best source of financing, if you could find a rich friend or family friends that can loan you money without any attachment or collateral. They may ask you to pay them some small interest, or none it all depends what you are using the money for, at they would like to get a piece of the apple when they know you are going to make a lot profit. Collateralization: There some companies out there that would loan you money to meet your emergency needs, but becareful, they may ask you to give them your house, car, motor cycle or any of your valuables for collateral just in case you were unable to pay them back, but, they are very quick to take your valuables and you may not have any re-course to take them to court for doing so. I would stay away from such financing unless you have to... There is going to be a time when we are going to need finance or re-finance our mortgages, car, motorcycle, big boat, air-planes etc., that we cannot come up with up-front lump sum money to pay for it This force us to turn to our bank, family friends, private capital market, small loan companies to loan us that money. This is where we are being taken advantage of by offering us some sort of un-affordable rates. At first you would think this a great opportunity that it will not be problem, you could afford that payment being offered to you by your lender, you better think again before you sign that dotted line. They could be collecting interest from you money for long time without any of it going to your principle. Pay attention to dotted Line and Small print in the loan documents: The loan documents can be very tricky to read when you are not an attorney, the small fine prints areas are very important areas to pay attention to, because this is where they hid rates, timeline, and warrante, but if you don't pay attention to the rates they quote or offer to you in the loan document that you are going to sign you could be losing a lot of money. You probably better off to take to your attorney before you sign the dotted line. In the fine print of the loan documents is where they hid most important information that your lender did not want you to know about, especially mortgage and credit card documents. It sounds strange, but it is true, If you don't believe what I said here in this document, go to your loan documents and read the small prints in there you may find out something that you would not like to see or hear about, or if don't believe what I said here, ask yourself a question of why didn't they just print the whole loan documents in a readable format with nice fonts that an average third grader can read and understand it without having to scratch their head or look up words in the webster dictionary for interpretation of words, after all you are the consumer paying them for this services and they will be collecting interest from your financing for such a long time. 95% of mortgage homeowner never gets to the point of paying principle or their mortgage finance off before being taken away from them, but the bank or private investor already started to benefit. Yes, I understand they took the risk to finance us. I think what is fair is fair, they should make the loan documents more readable for us, and there should be no small prints that is had to read on any loan documents. They should be in a readable format that average Joe can understand; my question all the years was why are they making it so complicated to read if they do not have anything to hide? I also think the loan documents should not have so many pages when we are talking about saving the threes... Not too many consumers read all these pages, it has no value to have so many pages when no one really reads it, of course the attorney will not be making money if they these document could be reduced to minimum. My solution to this big fat loan documents should be to reduce them to minimum, all it should it be contain is, who own the house, the rate, how long is going to be paid, warranty, borrower's and co-borrower, and all other very valuable information it should not be more than 10 pages long.
» » Betul Ke Sakit Mata Boleh Berjangkit ?

Betul Ke Sakit Mata Boleh Berjangkit ?







LOA and Finances - How to Change Your Thinking to Attract More Money Into Your Life? In a recent article on Law of Attraction I discussed the workings of Law of Attraction (LOA) and finances. How can we use LOA to attract financial prosperity into our lives? I discussed some basics about LOA and about our thoughts regarding finances. As I was explaining in that article, there IS a solution to the issue of "attraction of unwanted results". BUT: the solution does not lie in STOPPING to think negatively. You don't have to do that. That could already be major relief for some people! You merely have to turn your thoughts back around towards what it IS you want as soon as you find they are wondering off towards what it is you DO NOT want. It's as simple as that. Or, to put it even more profoundly: working out how to stop thinking negatively only means that you are putting more energy, attention and focus on the problem (thinking negatively)! This prolongs the negative feeling you really want to change! Not good. The process of turning your thoughts towards what is wanted is called pivoting or flip switching. Our -what I call- internal GPS is the indicator as to what our point of attraction is: when we are feeling good, we are in alignment with who we truly are (call that whatever you want; I call it my "inner being", but any other name will do), and we will be attracting the good stuff, financially. That is because, as I explained previously, we are naturally attracted to "the good", to the things we want. If we feel bad, we are out of alignment, and by default we will attract some of the good stuff, and some of the stuff from the "dark side of the force"... That internal Global Positioning System is such a powerful tool, and so useful. But mostly we curse it... because we don't want to feel bad. Whereas "bad" is nothing more than an indicator that we're out of alignment with what we truly want. Nothing more, nothing less. There is no judgment to it, only the negative perception we give it. Do you want to know the secret to create a life full of financial abundance, joy, prosperity, abundance in all sorts of other areas, health, love, etc? Well, here it is: Start telling your "story" (being: whatever you consider to be your life) in a new way. Tell your story the way you want it -and therefore your life- to be. Here's another truth: your desired state of being MUST have been created in spirit (or mind or thought, if you don't like that word) before it can be created in matter. Simple example: all the beautiful buildings we can see in the world were FIRST an idea in the architect's mind, and THEN turned into a reality. It's the same with our creations. We form them in our minds first. Commit to telling your NEW story. Instead of how the story is right now (which keeps the same staying the same), or how it was in the past (which brings what WAS back to what IS). Let's record some examples of how people tell their current story around money: I've always had a problem with saving for later; my parents never led an abundant lifestyle, so that's why I don't; I'm not clever enough to run a profitable business; I don't want people to like me only for my money; whatever I do, I just cannot seem to get rid of my debt; I am not an entrepreneur, which is why I haven't made much profit; I guess a rich life is just not for me; there is a maximum to what I can earn; my mindset is just wrong! etc. etc. etc. I could come up with hundreds of similar examples. The point being: they all tell a story based on observation of a seeming reality. There is this Cycle of Observation going on: observing a situation, offering a vibration based on that observation, LOA responding to the vibration, manifestation happening according to the vibration, observing a (new) situation, etc... As long as the observations and vibrations offered are attuned to the past or current situation, then chances are likely that manifestation will occur accordingly. Guess what: nothing seems to change! The key: offer a new vibration, one in line with a desired future reality, a yet unrealised potential. Keep that new vibration up long enough, and you WILL experience a new reality. It can not be another way. Unless. Unless there are factors at play out of our control, like strong influences from the collective consciousness, or forces that guide your life 's evolution and are not yours to change (I agree that there is a spiritual touch to this; are our lives pre-determined or not?). I'll write about those in another article, because they definitely play a role within LOA, and sometimes make LOA hugely misunderstood. This is where the Law of Acceptance comes in as well! Don't turn this "unless" into an excuse, though. You will rarely find this thwarting your intention. There is lots of "free will" available. If you are serious about increasing the chances of your financial desires actually coming true, then here are 5 Critical Ways to deliberately, and therefore successfully apply the process of flip switching or pivoting: Become really aware of your daily thoughts around money. As soon as you catch yourself thinking a negative -and how do you know that? Yes, by being aware of your feelings!- tell yourself: "thank you, at least now I know what I DON'T want! What DO I want instead?" And ANSWER that question! Be sure to assess your feelings making a shift towards "better" when you ponder your answer to the previous question. If that doesn't happen, not even subtly, you may want to think of something else you desire, until your feelings DO go up in vibration. Learn to appreciate what you've got, even if it's not a lot! Every day, give thanks for your possessions and your positions; I use this formula: think about 5 things that went well and 5 things that you were grateful for. That creates a strong vibration that is in alignment with what you want. Write down in all areas of your life, what money would do for you (in that area). Do it in two steps: what is it, and what value will it give you? This "Values Alignment" exercise will assist you realising why you do what you do in life. Count all your financial blessings whenever they occur. In other words: look at where you already have what you are looking for. Each and every day we get financial windfalls, and recognising them will help raise your vibration. Examples: money found on the floor (I find lots of it!) discounts you got but didn't count on a tax refund a two-for-one deal that saves you money a win in the lottery a pay-rise a tip extra interest on your savings account a friend who shouts you a drink/meal a free ride of any kind ... and there are plenty more of these kind of windfalls! Remember: it's not the quantity that counts. Five cents is worth as much vibrationally as five million dollars. Water is water, whether as a raindrop or as an ocean. If you can bring up feelings of gratitude, you're doing good! To finish off: here are 4 Action Steps to help you get more of what you want, and less of what you don't in finances. Set yourself a landmark: Firstly, Always (always!) pay yourself first, and research your financial status: what money have you got where? Knowing what to do will not change you; doing what you know will. Pay yourself 10% of whatever you earn, find, get paid, get bequeathed, get gifted, and put it into a savings account. I have a system in place for accumulating wealth. Ask me about it. Secondly, Never say "no" to money. In other words: always say YES to money, even if you feel guilty, or think you "can't accept that". You're not getting it for nothing (!). Thirdly, Give thanks for bills, invoices and services rendered. You are paying for something you have (had) use of. It's good to be thankful for that. Seriously, do it! Say thanks, and pay the bill with a smile. Lastly, Become part of an accountability group. Get together once a month with a group of like minded people, and create a collective vibration geared towards increasing financial abundance. Guess what a group vibration does in terms of strength! It's massive! Obviously, I've only been able to lift the veil on this topic. There is way more to talk about, and way more that can be done. As long as you keep in mind that your current feelings about the topic of finances are a good indicator as to what your point of attraction is, you've already won half the game. The rest of the game will be won with practice! Marc is a qualified Counsellor, Life/Business Coach, Master NLP Practitioner and AusIDentities Personalities Facilitator on the Sunshine Coast in Queensland, Australia. Marc has worked as an Executive Business mentor with some of the world's greatest internet marketers and in his own private practice. He is an expert at belief and behaviour change in his clients using Cognitive Behaviour and mindfulness principles and Universal Laws (amongst which the Law of Attraction) in both business and private settings. Marc inspires his clients to create "Knowareness", a powerful state of presence that allows clients to make the right decisions at the right time, all the time. A litigation lawyer for nearly a decade in his "previous life" before immigrating to Australia from The Netherlands, Marc knows exactly how daunting taking the first step in a new direction can be. On the other hand, he also knows how fulfilling and profitable taking that step can be, and has the knack of imparting his knowledge and wisdom in stunningly simple and highly effective ways.




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