Helpful Books To Strengthen Your Financial Iq

So you think you know a thing or two about managing your money? I bet not nearly as much as you should! Regardless, there is always room for improvement in your financial IQ. Your financial intelligence is basically all you know of how to handle money including your ability to recognize weakness, bad habits, and mistakes in which hindered your financial progress in the past.

Money management is a hard boiled task that the current gen youngsters find it very tough to manage but nevertheless, a high level of intelligence does come in handy because you can do wonders by using your mind at the right time which in any case would keep you from taking the help of International Debt Collection Agency because debts often sour relations with one another.

This could be quite task if you had to scrape up all necessary financial education on your own but luckily you don’t. There are expert financial authors who have written a number of books concerning this very subject. And we’ve gathered a good selection of titles for you to look into. All of these books are recommended reading for money management and getting out of debt. But, if you don’t have time to take them all in, you can read through the summaries to find the best books for your specific financial situation.

The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying

by Suze Orman

It is a 9 step program where you learn what is necessary, one step at a time, to truly master your money. This book takes you from facing the fears you have about money, to learning how to really control your money with true wisdom. Orman does not believe that mastering your money is a completely superficial matter; she believes that there is an element of spirituality ever present within your money management. In order to ever get yourself out debt and prosperous, you must face the demons that got you to that place of debt to begin with. Only then can you really make your money work for you.

Negotiate and Settle Your Debts – A Debt Settlement Strategy

by Mandy Akride

This guide is meant to help you in negotiating debt settlements with creditors on your own as opposed to going through an often expensive debt counselor. You learn what exactly your rights are in accordance with the law when it comes to paying your debt. This book basically reveals to you all the steps the banks and debt settlement companies already take themselves but won’t ever tell you about.

How to Get Out of Debt, Stay Out of Debt, and Live Prosperously

by Jerrold Mundis

Learn how to control your spending! Jerrold Mundis teaches you how to take the wheel and stop the downward spiral of spending where many in-debtors find themselves. Munids, himself was once drowning in a sea of debt and he is not shy about it as he often recounts his own experiences within the book. This piece of insightful reading gives you the words of a man who has come from a similar if not the same situation as you and made it out alive. He does this to show you that if he could do it, than so can you through attainable means shared within the book.

The Complete Idiot’s Guide to Getting Out of Debt

by Ken Clark

Do you find yourself taking out a loan with party “B” just to pay off the debt you have with party “A”? Ken Clark helps you understand the pit of debt you get yourself into when you let this situation take advantage of you. In his book he shares practical advice for removing yourself from the toxic equation of borrowing to pay off debt in any type of debt you can think of from credit cards to student loans.

Financial Intelligence: Saving and Investing for Your Children

by Moira O-Neill

Are you looking to plan a savings for your children’s future? In this guide you’ll find practical straight up advice to help you prepare for your young children’s financial futures. Learn what kind of savings accounts and where to invest to prepare for your child’s future expenses such as school. This guide is not only just for you. Inside you will also learn what you should teach your own kids about saving and investing. This is a book that the whole family can take from.

Real Financial Intelligence

by Jacob Gold

Get back to the basics! That is what Gold teaches you in this book. Nowadays saving and investing can get complicated with so many different options to choose from. You are given a rock solid back-to-basics approach to managing your money. These few basic rules about money never change so the wisdom taken from within its pages will stay with you for rest of your life.

Rich Dad’s Increase Your Financial IQ: Get Smarter with Your Money

by Robert T. Kiyosaki

Robert Kiyosaki really stresses the importance of learning how finances work before being able to be successful with money. In fact he believes this to be the most important investment you can make in your financial future. By breaking this down into 5 easy to understand key principles, you will learn all about how money cycles through our economy and where you need to stand in order to get more money cycling in your direction.

Financial Intelligence: How to Make Smart, Values-Based Decisions with Your Money and Your Life

by Doug Lennick

It is all about breaking your bad habits. Think about itÉmost people get into debt simply because they have bad habits of throwing away money on useless things. In order to come out on top of your finances you need to battle the root of the problem and correct your responses to unproductive, emotionally charged buying habits. 4 steps are all you need to change the course of you financial future and inside Doug Lennick shares those steps with you. Learn to control your emotions first, and become the master of you money second.

Personal Wealth Through Property Investment – What You Need To Know

Personal wealth has been and still is the pet of the popular media, be it TV, radio or news print. In Australia we even have a current or perhaps former financial planner, as a presenter on the most popular breakfast current affairs and news show. His advice is confusing at best, and in my opinion Benny Hill like in the main. He sits firmly on the fence about most investment issues and repeats the meaningless drivel from the major financial institutions when challenged on any property investment, home loan or mortgage issue. It is not his fault, he is just playing the cards the Network deals. The Network must keep it’s advertisers happy and fill in some of the boring moments. Gee I feel better now I have got that off my chest, so what about personal wealth though property investment or other means?

Well we have a camp that promotes the share market as the key medium for obtaining wealth and you have the property for wealth camp. In between you find the build your own business group who extol the virtues of hard work and single minded focus. I think they all have a place, as it is without doubt “horse’s for course’s.” Even though that is a terrible cliché, it describes the reality of human endeavour full stop, not just obtaining wealth.

My take on this subject is simple:

deciding to become wealthy is a good thing, we should all be wealthy. Deciding how we become wealthy is the hard thing. It is hard, because most people are generally afraid to make mistakes. So they may decide they want to be wealthy, but they never decide on the how, though fear of failure. I say, it is hard to loose money on a conventional property investment if you plan to keep it for at least ten years, so stop being afraid. By conventional property investment I mean purchasing and renting out, either a residential or commercial property that has its own land land title. (Not a high rise apartment or similar)

Title Loans is providing car loan for the house and business. You can take the loan as per the requirement. The repaying procedure of the car loan is understandable for the people. The availability of the money is great with the company.

So now you have stoped being afraid, I have to mention that I am not providing any formal financial advice here. I will not give you any guarantees other than doing something toward your goal of being wealthy is better than doing nothing. I am really just giving you the benefit of mine and many others experience, who have never lost on a property investment.

Now there are plenty of people and companies out there who will be willing to give you financial advice about property investing at a price! You will see them mentioned on the popular media and the internet. They offer riches in property if you follow their magic formula and pay them $3000 to $15000 for a seminar. Without doubt some of these course’s or programs or seminars have some value, but unless the promoter’s are willing to hold your hand though the process, you would be better off buying a book on the subject of wealth through property.

Keep it simple, treat the process as a business venture as well as an investment venture. Look for a property that you feel good about. Your gut feel is so important, as it will never let you down. If you make a bad or wrong decision at least it will be your decision, it is better than being manipulated for someone else’s gain. Don’t make a hasty decision, or be hurried by an agent. If you miss getting the property because you are undertaking some due diligence, so be it. There will be other opportunities. Visit the property several times, take digital photos of it inside and out and from all angles. Examine the property for faults that could be expensive to fix or areas that make it hard to rent. Knock on the doors of the neighbouring houses or commercial properties, ask about the property, ask about their property, as they might want to sell as well and you could have uncovered some development potential. Visit the council and find out what their plans for the area are? When you have satisfied yourself the property meets your gut feel, ask yourself one more question: Would I live in it or operate a business from it myself? If the answer is yes, make an offer subject to your choice of finance and call your mortgage broker and start on the road to wealth through property investment. You can repeat this process for every property purchase. Your mortgage broker will help you work out the finance going forward. Use them as a finance or mortgage coach. A good mortgage broker will have every resource you need to help you succeed including: what if? mortgage calculators and mortgage statement checkers.

There are a few programs and websites that I thing are worth a look, and you should also check out the Australian Tax Office website for details on the tax treatment of rental properties and other property investments. But, try my simple process, It has worked and continues to work for me and many others.

Money-Saving Tips In Shopping For A Storage Container

There has been increasing interest in the utility of storage containers. These can be transformed into rooms and homes. You can also profit from a Storage container. You can do this by offering it for rent or reselling it at a higher price provided that improvements are applied. It may also be reused to start a shipping business. There are currently more than enough used storage containers for all interested buyers. If you shop now, you can find inexpensive storage containers at seaports or trucking compounds.

Aside from shopping early, there are other ways for you to catch a less expensive but in good condition shipping container. These ways are as follows:

1.Know the terms used in selling storage containers.

If a seller uses unfamiliar terms in his sales talk, you may end up uninterested in the shipping container he is offering. Or maybe, you will fall easily on the offer. On the other hand, if you know the terms used, you can’t be easily fooled by a deceiving seller. You can also get more info here about how to make your storage containers more appealing to potential customers.

One of the terms you might encounter is factory paint. If the shipping container is labeled as such, that means the current paint in the shipping container is the original one. There are no additional coatings applied. When the paint is still in a good state, the storage container may be used a handful of times or it is well-handled by the shipping company.

The opposite of factory paint is refurbished paint. It means that the shipping container has been repainted several times.

Another term you will encounter is wind and watertight. A shipping container that has this label is considered strong and secured enough to protect the items inside it from the elements. However, this label also implies a lack of inspection.

If you look for an inspected Storage container, you should also expect the selling price to be higher. An uninspected shipping container may be less expensive but there are times when the inspection is needed. The bad thing is, the services of a shipping container inspector are not free of charge. You also need to find one that is near the area where you are shopping for a shipping container. If there is none, you may be tasked to shoulder the traveling expenses of the inspector. So between wind and watertight shipping containers and an inspected shipping container, the latter may be cost-effective in more ways.

2.Know all your options.

What better way to do this than searching online? Even popular buying sites such as eBay offer cargo storage containers in various conditions. Aside from shipping companies and buying sites, you can also find sellers in the forms of businessmen in different industries. Those who export and/or import may offer their used storage containers. Non-exporters/importers may also sell their storage containers that previously served as mini-warehouses of their goods.

3.Make an assessment of the physical attributes and conditions of the Storage container.

The length, size, weight, and capacity of a shipping container can affect its selling price. That is why you need to determine the space you will need before shopping. This will not only save you money but will save you time as well.

When it comes to conditions, you can expect that the better ones will be sold at higher prices. The best options for tight-budgeted buyers are those shipping containers that have pinholes together with peeling paint. These minimal damages can reduce the selling price considerably. You will only need to do some repairs afterward. The good thing is that the repairs can be easily dealt with. You will simply need sealants, paint, and brushes.

4.Plan a simple design.

In transforming your Storage container, repairs and the additions of basic elements are enough. If you want to be creative, explore painting options and space-saving schemes. Don’t make a lot of additions as these will entail additional costs.