Into saving money!!! Almost 50 percent is saved.
Tracking your expenses

This is the first key to financial independence. There is no way to fix the leaks in your financial boat if you cannot see where they are at.
Cut up the credit cards and make sure that you are on a cash basis only, so by doing that you will save 12-18 percent a month. That’s 12 to 18 percent even if you are paying them off each month.
Calling on Credit Cards
1. Call the 800 number on the back of the card.
2. Ask to speak to a supervisor
3. Tell the supervisor that you want an increase of limits and a decrease in interest rate.
4. After they give you the quote ask them “is that the best you can do�
5. Repeat this process until desired results are achieved.

Utilities
Get on an equal payment plan if utility bill is volatile.

Look for ways to reduce your entertainment bill. Try doing things that are not so expensive. According to moneycentral.msn.com the average person spends 1800 dollars a year on entertainment. Red box finding a cheap

SELL SELL SELL. Sell things around the house like boats and four wheelers etc. This could save you thousands. Have a yard sale! Get rid of all the junk that you are not using.

Limit Media Cell phone VS. Land line
Why do you have a land line if you all have cell phones? Does you 11 year old kid REALLY need a cell phone? Shop around for your cell phone plan. Cell phones can be costly.

Insurance Increase the Deductibles

Raise the deductibles as high as you are comfortable with. Raising the deductibles on the homeowners insurance and the cars could save you thousands a year. Remember insurance companies make money when you do not make claims. In other words you are betting that nothing will happen to you and we are betting that something will.
400 dollars to 200 dollars
Take your lunch to work with you
Eating out everyday for lunch can be extremely costly. If you spent just 10 dollars a day, that would cost you 200 dollars a month. If you invested 200 dollars a month at a 12 percent interest you would have
Turn it off and unplug it
Toasters and other household items could be draining power
Turn the AC down and the heat down
Replace old light bulbs with new ones. Replace old inefficient light bulbs with more. Watch for these items to go on sale. You can also look on craigslist for these items
Buying used cloths and selling old cloths to consignment stores.
Gas Plan out trips to minimize travel. Find the chepest places to buy gas in your area at www.fuelmeup.com
Groceries
List
Coupons The coupon clipper.com
NOT EATING OUT
Get rid of those bad habits
http://blog.mint.com/blog/
www.tiphero.com
Reduce Medical bills by having a balanced diet and routinely exercising.
Min Smoking
Drinking
Gambling
Auto Not buying New
Selling Toys Car Boat
Taxes
Doing it Yourself
Reducing the Pet expense
Bank Charges pulling money out of an ATM machine
PMI insurance. Doing without if you own more that 80 percent of the property

There are many reasons for stockpiling a supply of food. In the event of any crisis, a “home grocery store� comes in handy. The crisis may be a very large calamity such as a major earthquake, flood, or sudden downturn in the economy, or a more personal emergency such as illness, being laid off at work, or helping family and friends.
The recommendation is to “store what you eat and eat what your store.� In an emergency if you suddenly turn to an unfamiliar diet, you or your family members could become ill. Build up your grocery stockpile slowly but steadily, taking advantage of case lot sales. Encourage family members to become familiar with food storage foods by using some of the items in storage in your regular family meals.
Begin by introducing food storage or basic items into your menu. Basics of food storage include wheat berries, beans, rice, powdered milk and, of course water. Start with a prepared pantry with enough supplies for one week, then two weeks. Build your food supply to a month, then increase your storage until you have enough food in storage for a year. Recipes included will start with the basics.

Steamed Wheat
Ingredients:
1 C washed whole kernel wheat
½ C water
1 t salt (optional)

Directions:
Place wheat, water and salt in an uncovered casserole dish or metal bowl. Place into a larger pan for steaming. Put something under the bowl (such as a metal cooling rack or canning jar ring) to keep it from touching the larger pan. Add water to the larger pan, bring to a rolling bowl for 15 minutes, reduce heat and simmer for 45 minutes.
You may also use a crock pot and cook overnight.

Serving suggestions:
Serve as cereal, with milk, sweetener, and fruit
Serve with butter and salt.
Serve with vegetables as a side dish
Use in place of rice or beans
Grind with cheese and butter and bake

Heavenly Fruit Salad

3 C shredded raw carrots
2 C steamed wheat, cooled
10 slices pineapple, diced
1 red apple diced and lemoned
2 bananas sliced and lemoned
½ C raisins
½ C walnuts
4 oz mini marshmallows
½ C coconut

Toss lightly

Combine
1-9oz carton non dairy whipped topping
6 oz sour cream
2 t vanilla

Pour over fruit

Stir well, garnish with red cherry halves.
Chill until ready to serve.

Carrot/Pineapple Salad

2 ½ C grated carrots
8 oz crushed pineapple
2 C steamed wheat
raisins to taste
½ C salad dressing

Toss all ingredients, chill until ready to serve.

Wheat chili
(serves

1 cup whole wheat
1 lb. ground beef
1 small onion, diced
1/4 large green pepper, diced
1/2 tsp. chili powder
1/2 tsp. garlic powder
1 tsp. oregano or cumin
1 pint tomatoes
1 cup tomato sauce
1/2 small can chopped olives (optional)

Soak wheat overnight in cold water. Simmer for an hour or so.
Drain all but about 1/4 cup water. Brown meat, onion, and
green pepper together. Drain off any grease. Add meat and
all remaining ingredients to the wheat. Mix well. Simmer for
30 minutes or more. Top with grated cheese, if desired, and
serve immediately.

Note: This is a very mild chili. Add cayenne pepper and more
chili powder for a spicier version

Introduction
Run a publishing company. Stock investing. Coached students all across the U.S. and also internationally.

There are a few recent success stories concerning the law of attraction. One of my students was at the verge of financial disaster. We needed at least 1000 dollars in the bank to help him get out of the dilemma of living pay check to pay check. I had him watch the movie that secret and I told him to apply the lay of attraction. He did and within about a month he had about 4K in the bank. They were so excited about the law of attraction they told their daughter about it. There daughter had been looking for work she had been struggling to find a job for about 3 months. The very week that she applied the law of attraction she had three job offers. One of my students had been struggling with some health issues as well as his finances. When I first met him he had the attitude that the world had done this to him and there was nothing that he could do about it. He was truly being acted upon instead of acting We are not to be acted upon we are to act and create. By the sound of his voice he I could hear that he was not doing so well health wise. I asked him to apply the law of attraction and almost immediately his health began to improve. His income started to go up as well. Just elevating you view can make a world of difference. If you are starting at the ground that is all you are going to see. Many people that are always staring at the ground sort of speak never see all of the great opportunites that are all around them.

www.inspiring-quotes-and-stories.com

The famous author of The Power of Positive Thinking once told this story.
A man once telephoned Norman Vincent Peale. He was despondent and told the reverend that he had nothing left to live for. Peale invited the man over to his office. “Everything is gone, hopeless,” the man told him. “I’m living in deepest darkness. In fact, I’ve lost heart for living altogether.”
Norman Vincent Peale smiled sympathetically.
“Let’s take a look at your situation,” he said calmly. On a sheet of paper he drew a vertical line down the middle. He suggested that they list on the left side the things the man had lost, and on the right, the things he had left. “You won’t need that column on the right side,” said the man sadly. “I have nothing left, period.”
Peale asked, “When did your wife leave you?”
“What do you mean? She hasn’t left me. My wife loves me!”
“That’s great!” said Peale enthusiastically. “Then that will be number one in the right-hand column—Wife hasn’t left. Now, when were your children jailed?”
“That’s silly. My children aren’t in jail!”
“Good! That’s number two in the right-hand column—Children not in jail,” said Peale, jotting it down.
After a few more questions in the same vein, the man finally got the point and smiled in spite of himself. “Funny, how things change when you think of them that way,” he said.

Think possitivley. Pole Vaulting experience. Practice working with the coach and succeeding.

The whole idea is to help us understand the following “They themselves are the makers of they themselves.�

As a man thinketh “Mind is the master power that molds and makes and man is mind and evermore he takes the toll of thought and shaping what he wills brings forth a thousand joys a thousand ills he thinks in secret and it comes to pass environment is but his looking glass.�

Think and grow rich. Thoughts Are Things. When thoughts are mixed with a definite purpose and Persistence and a burning desire. It will materialize!!! Intangible thoughts can grow to materialize. The things that we have in our lives are do to our thoughts. This is the process of creation.

1. Ask The First step in the law of attraction is Belief and Faith Write it out. Write out exactly what you want. Make sure that you write it out in the present tense. The subconscious mind thinks in the present tense. If you think of the dreams that you have had in the past they will always be happening now in the present. They make take place in the past or future but they are happening now. Though my experience with the mind as I studied the art of hypnosis I learned that the subconscious mind thinks in the present tense and we communicate with the subconscious mind though visualization. Many people will set goals and they have a feeling of resistance. They might want to have additional income lose weight but every time they attempt to do something it ends up being sabotaged. There may be some negative tapes that are playing over and over in your mind. These tapes are thoughts that could have been put there by people you trusted and believed and they are having a negative affect on you. They could be things that people have told you and you believed them. People may have said that you are not good enough or you will never be rich. If theses are accepted as beliefs by the subconscious mind they will be acted upon and they will become a self fulfilled prophecy. We need to know the process of rewiring your mind. Indeed, if you can control your thoughts you can control your destiny. There was a prosper coach that was mentored by napoleon hills mentored. He explained the workings of the subconscious mind as follows. Imagine that you have a gate at the entrance of the subconscious mind. Imagine that there is a little devil there. His job is to try and stop the positive thoughts that are coming in you mind that might alter your beliefs. Every time that you try to put in a positive thought that could alter your accepted beliefs he tries to stop it and replace it with a negative thought that reinforces the previously believed thoughts. The only way to get past this little devil is to flood you mind with positive thoughts. Again to do this it is important that we mix positive emotion and we are imagining what you want is already in your possession. It is so crucial that we mix the positive emotion of faith into it. Imagine that your positive thought Even if you do not know exactly how it is going to happen just write it down.
2. Believe that it is already yours. Visualization is key. Our actions are driven by our beliefs. If you truly believe in the law of attraction it will work. There are steps to developing faith. Autosuggestion. This is how we influence the subconscious mind. You must mix your order to your subconscious with visualization, emotion and faith. Seeing and feeling the goal that you want to accomplish is the key. See it and make it so real that you can feel it.
a. the subconscious will act on the messages that we give it in absolute faith. The subconscious mind communicates through imagination and it can take longer for it to understand. Therefore, be persistent and continue to give that part of your mind orders until it makes it happen.
b. State the exact goal you would like to accomplish with an exact date. State how you will accomplish this goal and what you will give in order to accomplish the goal. The last step is believe it until you can actually see it
c. Repeat this morning and night; again remember to imagine what you want with emotion.

3. Feel the way you will feel once you have accomplished it.
This is the process to creation remember that thoughts are things. Doubt brings fear. It is important that we replace doubt with an unshakable faith.

References

The Secret
Think and Grow Rich
As a Man thinketh
www.inspiring-quotes-and-stories.com

Topic: Roth vs. Traditional IRA

I. Basic Provisions and Restrictions of each

A. Income tax treatment

B. Contribution limits

C. Income eligibility

D. Withdrawal ages

E. Early withdrawals: Penalties and exceptions

F. Deductibility Phase-out Range

II. Advantages of the Traditional IRA

A. Tax deferred aspects

B. High Tax Bracket now

C. Low Tax Bracket in Retirement

III. Advantages of the Roth IRA

A. Tax Aspects

B. Early Withdrawals

C. Predictability

D. Disposition at Death

IV. Summary

A. Factors to Consider in Choosing

B. Can have both

This is a very interesting article that paints a pretty dim picture of the future of the economy. It discusses how skyrocketing energy prices, a weakening dollar, and growing inflation have eroded household purchasing power. The Feds hands are tied as they can’t raise rates to slow inflation because banks need the expanded credit and liquidity to stay afloat themselves. “This is starting to feel like Jimmy Carter and the 1970s all over again,”. Not a pretty picture to say the least! http://money.cnn.com/2008/07/15/markets/oil/index.htm?section=money_topstories

By Gail Long
Just as the Boy Scouts have “Be Prepared� as a motto, we need to have a Prepared Pantry. This is not just for major disasters such as hurricanes, tornadoes, floods or earthquakes; it can be as simple as an increase in gas prices, loss of a job, or even no overtime at your job. In these uncertain times it is necessary to build and maintain our pantries so we can always feed our families. It may not be their favorite meal, but no one wants their family members to go hungry. Each family is different and has unique food needs.
FEMA has lots of additional information on preparedness, for additional information from them go to http://www.fema.gov/areyouready/
Are You Ready?
An In-depth Guide to Citizen Preparedness
Are You Ready? An In-depth Guide to Citizen Preparedness (IS-22) is FEMA’s most comprehensive source on individual, family, and community preparedness. The guide has been revised, updated, and enhanced in August 2004 to provide the public with the most current and up-to-date disaster preparedness information available.

In an article titled “Taking the Bite Out of Food Storage� (“Random Sampler,� Ensign, Mar. 1992, 72-73) four steps were listed to ease your way into a Prepared Pantry.

Step 1: Learn the basics of home storage. Doing so will save you time, money, and effort.
Step 2: Acquire an emergency supply of life-sustaining foods and water and store them properly.
Step 3: Build up your storage gradually. It’s amazing how fast storage shelves can fill up when you buy commodities in double quantities—for example, one can of beans for regular use, the other for storage
Step 4: Eat what you store and store what you eat.