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I am the type of person that loves reading. Any sort of reads interests me and those interests changed over the years.

I still remember when I was in college, I love to buy magazines that talk about relationships. When I got married and had my first child I got hooked with parenting books. When I got a little order and had two kids I suddenly shifted to books that tackles about budgeting, saving money and having lots of it. Choices do change a lot when one mature and change priorities.

That is why I got this book.

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I Wish They Taught Money in High School

Honestly, I do agree with the book title. The moment I read the title I know it was the book that can help me a lot.

It’s a 2 in 1 book where two topics are discussed back to back. The first topic I’ve read is “I Wish They Taught Money in High School so I’m not Dependent on my Paycheck” which was written by Clarissa Serina  Dela Paz.  I chose to read this first because I can relate so much about it. As a working mom, my salaries usually pass thru my hand and disappear after a day.

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The moment I read it, my perception and motivation change. The chapters that really hit me the most is how to have a passive income and what passive income is. When you have passive income you can be sure that you will never stop earning even though you stopped working in your usual day job. It also thought me about the right formula on savings and expense.

INCOME – SAVINGS = EXPENSES

Or better yet, this formula can give you the passive income I’m talking about:

INCOME – INVESTMENT = EXPENSES

Also, these awesome phrases caught my attention and I thought of doing this when I received my 13th month pay. :)

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The second topic was “I Wish They Taught Money in High School so I can start my Business Right Away” by Sharon W. Que and this one will motivate you to establish your own business with little or no capital at all.

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This will be possible with the money making pursuits that the author highlighted. It also gave some ideas giveaways by choosing the right product to sell, develop good relationship with your business partners, and train good salesmen, ways to augment your capital and many more.

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I got hooked with this book and I am very glad I was able to read it.

If you want to change your views on how you handle your money and wanted to free yourself from financial burden buy this book at read it from your heart. Check out now before they sold out.

Where to buy : http://lifestyleupgrade101.com/shop/#!/~/product/category=6949596&id=29526962

Cost: P500.00 only

 

California Pay Day Advance

A payday loan is a loan that allows you to borrow as much as $1,000 or more without a credit check. While this can help you in the short-term, you have to consider how it could impact your finances in the long-term. There are high rates of interest as well as penalties that can be charged if you are late with your payment.

The good news is that your California pay day advance specialists are here to help you. If you are having trouble making your payment, there are ways that you can avoid paying late fees and penalties. When you are already have trouble with money, the last thing that you need is another bill collector hounding you.

Borrowing money only takes a few minutes if you have an Internet connection. All you have to do is answer a few simple questions, indicate where you want the money to go and wait for a decision to be made. Your money will be deposited to you within 24 hours. It is possible that you could have you money sooner than that.

You don’t have to let money problems completely ruin your life. A payday loan can be just what you need to keep you steady until you get back on your feet.

Reloadable Prepaid Visa

There’s nothing like laying a black card on the table to pay a restaurant bill. Simple, elegant, direct, it speaks of refinement. On the other hand, dropping an “Angry Birds” card makes quite a different statement and is bound to provoke conversation and laughter. Kaiku offers both. The cards are part of the reloadable prepaid Visa trend that’s led Kaiku to offer not only lots of features for the financially savvy, but also stylish and clever card designs to enjoy and make a statement. Behind the cards is an account which is convenient to access by web and smartphone app and can be loaded in a variety of ways. While previous generations reached for cards that spoke of prestige, modern society is plastic-oriented and savvy, looking for payment cards which are personal, convenient, and fun. Along with Angry Birds games on smartphone and tablet, ringtones, toys, and whatever else strikes fans’ fancy, Kaiku customers can pay for it all with their favorite character right on a debit card. Modern life is serious enough. Going out for lunch should be fun, and paying for it with an Angry Birds card can be the antidote to all kinds of stress and pressure back at the office. It’s sure to be a memorable occasion when the bird’s on the table after the meal is done.

Most of us find ourselves stuck with bank accounts that are unfavorable to us. There is no reason you should continue running a bank account you are unhappy with. If you care to do your research well, there is pretty much incentive to switch bank accounts being offered by the banks.

Let us look at some of these briefly.

What to Consider when Switching Bank Accounts

Do your research well to find one that is most favorable to you. Some of the things you can look at include the following:

Interest rates-majority of people use a bank account as an everyday affair to pay bills, make transactions, receive wages and so on, thus there is a considerable amount of money moving in and out of this account. Taking into account that every penny deposited there could be earning interest, it is certainly worth your while to find out what your current rate of interest is and see if there is another that will make more out of your funds.

Transaction and ATM fees-confirm how much you are charged on every single withdrawal or payment you make using your card. Some have a limit to the number of transactions you can carry out every month with any additional usage attracting a certain fee. Those of us who are frequent transactors should open an account that favors such regular usage.

Account maintenance fees-some accounts charge an overall monthly fee that caters for all or a maximum number of transactions, even when you don’t use the account in any given month. Depending on frequency of use and nature of transactions, this could save you considerable amounts of money every month.

Making the actual Switch

After you have chosen an account that works in your favor, open it and then make sure to update your automatic payment details such as direct debits-car, health insurance etc-and direct credits-benefits, pay and so on.

You can switch your bank account more effectively by following these simple tips:

  • Take some time to talk to your bank if you are unsatisfied. Go through the options with them in the hope that you can get a better deal-no monthly fees, higher interest rates and so.
  • Consider whether in the long run you will save more by switching your account to another bank.
  • Set up your new transaction account-you can leave the old one open to sort out any automatic payments that ought to be made during the transition period.
  • Ask for a list of all your regular direct debits and credits from your old account.
  • Avail the list to your new bank as this will help to re-establish the payments on your new account.

After you are certain that all automatic payments have been updated to your new account, proceed to close the old account.

 

Planning for the Future

I think all of us know that we will all going to retire someday. With that, every persons desires to retire peacefully and enjoy the life of being a senior citizen. That is why in preparation for our future my husband and I thought of retirement annuities. Honestly, I don’t have enough knowledge about it which is why I am spending this night to read more about it. :)