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COMMERCIAL FORECLOSURE SALE:
Commercial Property Makes Sense
There are many reasons why properties end up on commercial foreclosure listings. A company
may go out of business and therefore fall behind in their mortgage payments. A business may
also face financial hardship and default on their loan. Whatever the reason, commercial
foreclosed home are a great investment. In many cases, these properties are sold for less than
they are actually worth, so you can buy these properties with instant equity and savings. If you
want to invest in real estate, you will be pleased to know that the market for commercial real
estate is hot. There are always new businesses looking for property.
If you want to start investing smart, BankForeclosuresSale.com has all resources to help you in
your next real estate investment. We offer accurate, reliable listings of commercial bank
foreclosures, bank foreclosures, and other distressed properties. You're sure to find a
promising property that interests you. We even offer a resource library filled with handy advice
and tips from seasoned investors, so that you can make smart purchasing decisions.
BUYING REAL ESTATE AT PRE-FORECLOSURE:
The process of foreclosure or pre-foreclosure helps other people/third party to get
a home at a bargain price. We at BankForeclosuresSale.com will help you get the
foreclosure homes of your choice by identifying the right property for you. Here's a
look at what all is available.
Pre-Foreclosure Properties:
If you want to buy a good home then you should look out for bank foreclosures for
sale. You can also check some of the best homes or property that is in the
pre-foreclosure period.
You will have to approach the homeowner/borrower and make the proposal of
buying the property outright. If the homeowner/borrower sells you the property
then they will avoid a bad mark on their credit history. At the same time, you will
get the property at a good bargain price. As a buyer, you will have enough time to
research and collect information the property and get a discount of anywhere
between 30% to 60% below market value.
BUYING REAL ESTATE SHORT SALE PROPERTIES.
What are Foreclosure Short Sales?
A foreclosure short sale is a term that is tossed around a lot these days, but to the
average home buyer, the term can be confusing. What does it have to do with
foreclosure, what kinds of properties are sold through it and when? What a short
sale really refers to is sales that occur after a home has been scheduled for a
foreclosure sale, but before the sale actually occurs.
REAL ESTATE SHORT SALE INVESTMENT SECRETS REVEALED...
How a Foreclosure Short Sale Begins
Once a homeowner defaults on a mortgage, the lender will begin to make
preparations to proceed with a foreclosure sale in order to retrieve the money lost
on the unpaid loan. This usually involved filing papers with the local county court or
registrar, showing how mortgages have been in default and requesting permission
to schedule an auction. Once this permission is granted, a Notice of Default will be
issued and the sale will be set for a date sometime in the future.
Learning to Buy Homes at Foreclosure Short Sales
From this point until the sale actually occurs is known as the preforeclosure
period, and this is when a foreclosure short sale can occur. Homeowners will often
only have two options at this stage. They can sell off their property and use the
proceeds to pay off their debt, thus avoiding having a foreclosure on their record
and their credit ruined, or they can seek to refinance their mortgage.
Unlike bank owned homes or property from HUD, distressed properties bought
through a short sale can only be purchased direct from the homeowner. Similarly,
you won't find brokers advertising these properties either, which can make them
difficult to find. However, the potential for finding a great deal is very high, as
buyers often win homes for huge discounts through this method of purchase. FOR
MORE INFORMATION...
CALL A FLORIDA LICENSED REALTOR
AT: 786
The goal for you as a buyer is to purchase a property at least 20 percent below full
market value, although better deals are often possible. When determining the final
purchase offer, you should also take into account the rate of real estate appreciation in
the area and the potential for increasing the house's value by making repairs and
improvements.
Closing the deal
Once you've arrived at an agreement with the owner in default, the foreclosing lender
and any other lien holders, you can put the agreement in writing. If you're not familiar
with how to draw up a purchase agreement, you should have a local real estate agent or
real estate attorney help.
Any purchase agreement should make closing the deal contingent on a full title search
conducted by a title company or attorney. The purchase agreement should also allow for
a professional inspection of the property before closing the deal.
An escrow company, who acts as a third party, can manage the transfer of money and
property ownership. Assuming that you have your financing secured, this should be a
fairly smooth process.
Real Estate Investing - Discover the Secrets
Real estate investing is still the most reliable form of investment in bank foreclosures. It does not matter
whether you are just getting started with real estate investing or whether you have been investing in
pre-foreclosure real estate for years. Yes, the market changes, but every seven years or so, the average
home doubles in value, which is quite a return on your money. However, in order to be successful, you
need to learn the secrets of real estate investing.
How Reliable Is Real Estate Investment?
While some predict doom and gloom, real estate is cyclical, meaning that the market (and your
profitability) always bounces back. However, to avoid the risks of real estate investing, you need to make
smart decisions. Many investors find that buying low-cost foreclosure homes, for example, is much safer
and brings in better profits, than, say, investing in pre-construction.
7 Easy Steps to Successful Investing
Experts suggest that investors follow a few basic steps for real estate investing profits:
Have a plan.
In the business of real estate investing, having long-term and short-term money goals in mind will help
you realize your dreams.
Decide on your target market for real estate investing.
You cannot invest in all real estate properties. Instead, learn to focus. If foreclosed properties appeal to
you, consider looking at foreclosure listings.
If you wish to rent, then make plans to make that a reality.
Work at real estate investing. Even foreclosure properties will not net you money instantly. The name of
the game is persistence.
Act rather than analyze real estate investing endlessly.
Learn to figure out property values quickly by analyzing home value, repair needs, and home costs rapidly.
Learn about money. RICH DAD; WHY AREN'T RICH?
If you want to make money in real estate investing, learn about mortgages, real estate foreclosures, |
knowledge can help you find the perfect investment.
Learn to deal with the problems of real estate investing.
If you can learn to solve people's problems, such as helping them get rid of foreclosure properties, you
will realize a profit.
Remember: the more valuable you are to them as a problem-buster, the more they will be willing to pay
you.
Become a life-long learner.
Don't get too cozy / make sure that you continue to educate yourself about new ideas, tips, and techniques
in that can help you make a killing with real estate investing.m
What are Foreclosure Short Sales?
A foreclosure short sale is a term that is tossed around a lot these days, but to
the average home buyer, the term can be confusing. What does it have to do
with foreclosure, what kinds of properties are sold through it and when? What a
short sale really refers to is sales that occur after a home has been scheduled
for a foreclosure sale, but before the sale actually occurs.
How a Foreclosure Short Sale Begins
Once a homeowner defaults on a mortgage, the lender will begin to make
preparations to proceed with a foreclosure sale in order to retrieve the money
lost on the unpaid loan. This usually involved filing papers with the local county
court or registrar, showing how mortgages have been in default and requesting
permission to schedule an auction. Once this permission is granted, a Notice of
Default will be issued and the sale will be set for a date sometime in the future.
Learning to Buy Homes at Foreclosure Short Sales
From this point until the sale actually occurs is known as the preforeclosure
period, and this is when a foreclosure short sale can occur. Homeowners will
often only have two options at this stage. They can sell off their property and
use the proceeds to pay off their debt, thus avoiding having a foreclosure on
their record and their credit ruined, or they can seek to refinance their
mortgage.
Unlike bank owned homes or property from HUD, distressed properties bought
through a short sale can only be purchased direct from the homeowner.
Similarly, you won't find brokers advertising these properties either, which can
make them difficult to find. However, the potential for finding a great deal is very
high, as buyers often win homes for huge discounts through this method of
purchase.

Crafty Compounding interest
Time is on your side when you've got
compounding working on your savings. The
earlier you start saving and the earlier you
get your savings into a financial instrument
that compounds, the easier your path to $1
million will be. You may be thinking of
ten-baggers or hot issues that return 10
times their value in a few weeks, but it is
the boring, year-on-year compounding that
builds fortune for most people.
Build Through Your Boss, Build
Through Your Boss
If you're looking to save $1 million dollars for
retirement, look no further than your boss.
With matching contributions, your employer
can be your best ally when it comes to
building up retirement funds. If you think
you need to squirrel away 20% of your
income for retirement and your boss puts
up 6% in matched contributions, then you're
left with a much more manageable 14%. Even
if you are your own boss, there are still
options under SEPs
Ramp-Up Your Retirement Savings
Rather than letting your boss's contribution
lessen your load, try to put a little extra into
your retirement plan whenever you can.
Automating your account contributions will
make setting your money aside that much
easier. That said, making extra contributions
a priority will speed up your journey to $1
million and make your golden years that
much more golden. You don't have to eat cat
food to do this, just keep your retirement in
mind when you've got extra cash on hand.
Incremental Investing
If you've got your retirement portfolios where you want them and are ready to
start a pure income portfolio, then incremental investing is an excellent way to
begin. You don't have to jump into the market with your life savings to make
money. Even relatively small amounts can result in decent returns. The
important thing to remember with your income portfolio is that capital gains
taxes will be applied yearly to any income you pull out. Again, improving your
tax awareness will help reduce the bite, but it takes time and knowledge to
make one million solely from a taxable portfolio. Still, it has been done and will
be done again.
Dare To Diversify Dare To Diversify
If your portfolio is made up entirely of American companies or is even all held
in stocks, then you may need to diversify. In the first case, more and more
financial activity is out there in the wider world. This doesn't just mean
investing in emerging economies like China and India that are producing huge
gains, but recognizing that there are companies in Europe and Asia that are
just as good (maybe better) as investments in the U.S.. Diversifying also
means not putting all your money into one type of asset. Being a financial
omnivore opens up that much more opportunity in times of growth and makes
certain you won't go hungry when one source dries up
Read: Reconsider Real Estate Reconsider Real Estate
Owning real estate provides equity and diversity to your investments. If you
own your own home, then paying your rent builds up equity. If you invest in
real estate, then someone else's rent builds up your equity. Real estate
investing isn't for everyone, but it has built fortunes for many savvy people.
Owning your own home, however, is usually a good idea regardless of your
opinion on real estate bubbles. Peter Lynch, one of the greatest stock
investors of all time, believed that you should own your first home before you
buy your first stock.
The Three Ps / BANKING & FINANCE
Persistence, patience and purpose are common traits that you'll
find in every millionaire from John Jacob Astor to Bill Gates. Even though
inflation has brought the value of $1 million down from its lofty perch, you still
need these traits to reach it. Why isn't everyone a millionaire?
Maybe because it is easier to spend now, buy big and put off saving and
investing than it is to sacrifice to reach the goal of becoming a millionaire.
Using the tips given here can help you on your way, but you have to be brave
enough to take the steps - first, final and all the hard ones that lay in between.



Increase Your Income / FINANCIAL SYSTEM
There is nothing terribly romantic about becoming a millionaire while working a
regular job, but it is probably the avenue available to most people. You don't need to
start your own business to pull in a high income, and you don't even need to pull in
a high income if your saving, spending and investing habits are sound. Asking for a
raise, upgrading your skills or taking a second job will add that much more to your
savings and investments and subtract that same amount from the countdown to
your first million. If you are entrepreneurial at heart, starting a business on the side
can actually decrease your overall tax bill, rather than putting you in a higher income
tax bracket.

Make Your Retirement Dreams Come True
Having a million-dollar portfolio is a retirement dream for many people. Making
that dream come true requires some serious effort. While success is never a
sure thing, the 10 steps outlined here will go a long way toward helping you
achieve your objective.
Start Saving
If you don't save, you'll never reach your goal. As obvious as this might seems,
far too many people never even start to save. If your employer offers a 401(k)
plan, enrolling in the plan is a great way to put your savings on autopilot. Simply
sign up for the plan and contributions will be automatically taken out of your
paycheck, increasing your savings and decreasing your immediate tax liability.
Furthermore, if your employer offers to match your contributions up to a certain
limit, be sure to contribute enough to get the full match. It's like getting a
guaranteed return on your investment!
Build A Rainy Day Fund
Part of long-term planning involves accepting the idea that setbacks will occur. If
you are not prepared, these setbacks can put a stop to your savings efforts.
While you can't avoid all of the bumps in the road, you can prepare in advance to
mitigate the damage they can do.
Get Aggressive
Studies have shown that the majority of the returns generated by an investment
are dictated by the asset-allocation decision. If you are looking to grow your
wealth over time, fixed-income investments, or a certificate of deposit (CD) aren't
likely to get the job done, and inflation can take a big chunk out of your
savings--BUILD RICHEST
Increase The Amount You Save
Your income should rise as time passes. You'll get raises, you'll change jobs, and
maybe you'll get married and become a two-income family. Every time more cash
comes in to your pocket, you should increase the amount that you save. The key
to reaching your goal as quickly as possible is to save as much as you can.
Max Out Your Options
Take advantage of every savings opportunity that comes your way. Make the
maximum contribution to tax-deferred savings plans and then open up a taxable
account too. Don't let any chance to save get away.
GOVERNMENT HOMES AND FORECLOSURE PROPERTIES ARE AVAILABLE BELOW
MARKET VALUE!
About Buying HUD Homes, What is a HUD Home? How to Buy
Hud Homes?
A HUD home is a 1 to 4 unit residential property acquired
by HUD as a result of a foreclosure action on an
FHA-insured mortgage.
PRECONSTRUCTION
Buy pre-construction condos and town homes at rock-bottom prices
Get the developer to accept small deposits that are a fraction of what other
buyers
in the same project are making
PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE
TO KNOW THE SECRETS OF IT.
Things To Know Before you buy
To help you find the best property, we offer you all the relevant information
regarding various foreclosed property. The information is available through
our foreclosures list and includes details of over two million foreclosure
properties nationwide.
KNOWLEDGE FINANCIAL GROUP & INVESTMENT is there to help:
TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST MONEY AND GET
RICHER.
How Can You Safely Earn 18% or over Per Year On Your Investments?
Investing in Government Issued Tax Lien Certificates
What is a Tax Lien?
Can You Safely Earn 18% or more Per Year On Your Investments? YES YOU
CAN, AND
KNOWLEDGE FINANCIAL WILL SHOW YOU HOW!
DEED&TITLE: REAL ESTATE DEED & TITLE, THINGS TO KNOW!
TAX DEED
A deed is a legal instrument used to grant a right. The deed is best
known as the method of transferring title to real estate from one
person to another, often using a description of its "metes and
bounds. Knowledge Financial Group.Blogspot.com
Facebook.com/knowledgefinancialgroup
Twitter.com/financialschool
FORECLOSURE INVESTMENT:
BUYING REAL ESTATE AT Foreclosure Auction:
If the homeowner is unable to pay the loan by the end of the pre-foreclosure
period then the property is put up for a public auction where potential buyers
can bid on it. These are known as foreclosed homes and buyers can pay in
cash or by check depending on the laws of a particular auction.
There are times when a buyer may not get the appropriate time to even do a
background research on the property. The good part though is that a public
auction eliminates the direct dealing with the borrower and offers the best
bargain possible.
Buying at Foreclosure Auctions is Simple Once You Know How
Buying at foreclosure auctions can be an overwhelming experience. But, just
like any other action, if you research the components, you will master the
action. You may want to start by actually visiting a foreclosure auction as a
spectator. You can find foreclosures for sale that are happening in your area in
the newspaper or other financial periodicals. Many times foreclosure listings
that are found online can also be a resource of foreclosure auctions if their
property listings are extensive and offer full disclosure.
Revolutionary Way of Foreclosure Auctioning
A new and revolutionary way of foreclosure auctioning is now they are being
held right on the Internet. This allows the real estate investor to partake in the
bargains nationwide without actually having to incur the travel costs to do so.
Foreclosure auctions can be found utilizing any of the numerous search
engines by doing a simple inquiry. You will find more and more foreclosure
auctions occurring every day as more lending institutions take advantage of
the technology that is available to conduct them.
The most important step in participating in a foreclosure auction is to
understand what happens after the auction has closed if you are indeed the
winning bidder. When purchasing a property at a foreclosure auction, you are
actually purchasing the rights to the property following a redemption period
for the current homeowner, which is commonly mandated by the foreclosure
laws of that particular state. It is highly advisable to speak with a professional
regarding those laws and how it will affect you and your purchase.
BUYING REAL ESTATE AT BANK FORECLOSURE SALE.== Bank-owned/REO LEARN
MORE ABOUT BANK OWNED PROPERTIES:
The reason why lenders take ownership of a property is to sell it off at an
auction so that they can recover their losses. Once the lender has
repossessed the property, they will ideally do the repairs before putting it up
for auction. It has been seen that the bargain for REO homes is lesser than a
pre-foreclosure property.
Bank foreclosures, REO property or VA repo homes can become a
government foreclosure only if the loan was issued by a government agency
like the HUD or Department of Housing and Urban Development or Department
of Veteran Affairs (VA). In such a case, the HUD or the respective government
agency will be responsible for selling off the property.



















FORTUNE: Before You Invest
Before undertaking any investment
program, it is critical that you assess your
current situation and form goals.
Stop Senseless Spending
It's easy to spend your way out of a fortune.
Fortunately, the opposite is also true - you
can save your way into your first million.
Most people working in North America right
now will earn well over $1 million during
their working lives. The secret to saving $1
million lies in keeping more of what you
earn. Just as extending your earnings offers
a unique perspective, doing the same with
your spending sheds a ghastly light on the
waste. If you spend $5 every day of your
working life on coffee, snacks, etc., you lose
$73,000 of your lifetime earnings, making it
that much harder to hit the $1 million mark
in savings
Money & Taxes, Target Your Taxes
Another leaky hole you need to plug is the
parasitic drain of big government. While you
are expected to pay your taxes, it's the right
of every taxpayer to try and reduce their tax
bills to the absolute minimum allowed by
law. Increasing your tax awareness means
making taxes a quarterly chore rather than
an annual scourge. Keeping abreast of
allowable deductions, changes to your
withholding and changes in tax limits will
allow you to keep more of what you earn, so
that you can put that money to work for you.


REAL ESTATE OPPORTUNITY
In real estate you have the opportunity, and the
potential for significant profits.
REAL ESTATE: THE ROAD MAP TO RICHES, THE BEST WAY TO
BUILD WEALTH.
Real Estate is a road-map to riches, it’s one of the way to build
wealth. The ultra rich always invest in real estate. There
REAL ESTATE INVESTING: We can help you understand
what it takes to be a successful investor.
INVESTING: INVESTMENT'S METHODS AND TECHNIQUES TO
SUCCEED IN TODAY'S MARKET FOR A BETTER TOMORROW
Get help from professional, discovering simple and
profitable ways to invest well in real estate. Avoiding
bad investments
CONTACT US TO ASSIST YOU! --- 786-709-6577
INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE RIGHT
WAY IN THE RIGHT PRODUCTS. REAL ESTATE INVESTMENTS CAN
HELP! Knowledge Financial Group.Blogspot.com
Facebook.com/knowledgefinancialgroup
Twitter.com/financialschool
-----------------------------------------------------------------------------
Negotiate Profitable Real Estate Deals is a key ingredient to real
estate investments.
We will apply the techniques, the methods, the Essential Rules
that Guarantee Success to our clients.
HOME-BUYING: REAL ESTATE FOR SALE AT Low Prices, Below
Market Value, Low Interest rates.
Top 10 Home Buying Mistakes TO AVOID.
MILLIONAIRE MIND SET SECRETS, TAKE CONTROL OF YOUR FINANCIAL DESTINY. // PRACTICAL WAYS TO BECOME A MILLIONAIRE
http://www.knowledgefinancialgroup.com/



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'' = Passive Income How to Earn More and Work Less... Passive income is an income received on a regular basis, with little effort required to maintain it. It is closely related to the concept of "Unearned income". READ MORE BELOW THE PAGE...
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'' Passive Income
There are three main categories of income: active income,
passive income and portfolio income. Passive income
does not include earnings from wages or active business
...
The American Internal Revenue Service categorizes
income into three broad types, active (earned) income,
passive (unearned) income, and portfolio income.
It defines passive income as only coming from two
sources: rental activity or "trade or business activities in
which you do not materially participate."
Other financial and government institutions also recognize
it as an income obtained as a result of capital growthn
Passive Income
Some examples of passive income are:
Any type of property income
Earnings from a business that does not require direct
involvement from the owner or merchant;
Rent from property;
Interest from a bank account
Royalties from publishing a book or from licensing a patent
or other form of intellectual property, such as computer
software product;
Earnings from internet advertisements on websites;
Dividend and interest income from owning securities, such
as stocks and bonds, is usually referred to as portfolio
income, which may or may not be considered a form of
passive income.
In the United States, portfolio income is considered a
different type of income than passive income;
Passive Income
The IRS has a specific definition of passive income that
excludes some of the incomes listed above. Royalties for
example, are, according to the Service guide, generally
non-passive in nature.
Additionally, interest, dividends, annuities, and gains from
stocks and bonds, lottery winnings, salaries, wages,
commissions, retirement income, guaranteed payments for
services are considered by the IRS to be non-passiv
Passive Income
How to Make Money by Creating Passive Income
The key to success is something known as passive income
which is money earned without much time or effort. In fact,
passive income is even taxed differently than ..
Passive income, on the other hand, is income that does not require your direct involvement. Some kinds of passive income you may be familiar with include owning rental property, royalties on an invention or creative work, and network marketing.
If you want to earn more, work less, and have a decent retirement, you're going to have to start creating income streams that do not require your direct involvement. Knowledge Financial Group.Blogspot.com Facebook.com/knowledgefinancialgroup Twitter.com/financialschool
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Let's look at two basic types of passive income, and a third type of income that, while technically not passive, is a key strategy for earning more and working less.
Residual Income
Residual income is revenue that occurs over time from work done one time. Some examples include:
An insurance agent who gets commission every year when a customer renews his policy A network marketing or direct sales rep's income from her direct customers when they reorder product every month An aerobics instructor who produces a video and sells it at the gyms where she teaches A marketing consultant who creates a workbook and sells it in e-book format on the Internet ------ As you can see, there are many different ways to generate residual income across a wide variety of businesses.
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Leveraged Income // Passive income
Leveraged income leverages the work of other people to create income for you. Some examples of leveraged income include:
An e-book author selling her e-book through affiliates who promote the product A network marketer who builds a downline and receives commissions on the sales made by people in his downline A general contractor who makes a profit margin on the work done by sub-contractors --- Again, there are many different models in many different businesses. The key is that you are making money off of other people's labor, rather than primarily your own. // Knowledge Financial Group.Blogspot.com Facebook.com/knowledgefinancialgroup Twitter.com/financialschool
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Passive Income How to Make Money By Creating Passive Income ---------- The easiest way to gain financial independence is to reconfigure your life so that a substantial portion of your income is not actively earned by your labor. ------ The basic idea of passive income is that it is money received with little or no effort required to maintain the flow of income once the initial work has been done. Some common examples of passive income are:
Rent from real estate properties Patent royalties for an invention Trademark licensing fees for characters or brands you’ve created Royalties from books, songs, publications, or other original works Profits from businesses in which you have little or no day-to-day role or responsibility Earnings from Internet advertisements in a blog or on a website you own Dividends from stocks, REITs, equity mutual funds, or other equity securities Interest from owning bonds, certificates of deposit, other other cash and cash equivalents Pensions..
Knowledge Financial Group.Blogspot.com Facebook.com/knowledgefinancialgroup Twitter.com/financialschool
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Why You Should Prefer Passive Income to Active Income Passive income is attractive because it frees you to spend your time on the things you actually enjoy. A highly successful doctor, lawyer, or publicist, for instance, cannot “inventory” their profits in the words of one well known author.
If they want to earn the same amount of money and enjoy the same lifestyle next year (the year after that), they must continue to work the same number of hours at the same pay rate.
Although such a career can provide a fantastic life, it requires far too much sacrifice unless you truly enjoy the daily grind of your chosen profession.
Even worse, once you desire to retire, or find yourself unable to work any longer, your income will cease to exist unless you have some form of passive income. In the past // Knowledge Financial Group.Blogspot.com Facebook.com/knowledgefinancialgroup Twitter.com/financialschool
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Money Saving And Budgeting Information - Excellent Ways to Save Money This Year
1. Bring lunch to work
2. Take public transportation
3. Drop your landline and rely on your cell phone
4. Reassess your savings accounts
5. Make your gifts
6. Make your own cleaning products, like detergent and carpet cleaner
7. Cook more and eat out less often
8. Be aware of bank fees
9. Make a list before grocery shopping
10. Grocery shop at lower-priced supermarkets like ethnic stores
11. Buy generic products
12. Don't go to the grocery store when hungry
13. Entertain indoors
14. Explore free activities on the weekend
15. Shop your wardrobe
16. Wait on purchases before buying them
17. Get a home energy audit
18. Seal up air leaks in your home to cut heating and cooling costs
19. Buy generic medicine
20. Use your health benefits
------------------------------
21. Skype instead of making long-distance calls
22. Turn roaming off and rely on WiFi when traveling
23. Know the right things to buy in bulk
24. Reassess your Internet and cable provider and see if you can find a cheaper plan
25. Turn off lights that aren't in use
26. Unplug electronics when not in use
27. Use cold water to wash your clothes
28. Hang dry your clothing instead of tumbling it in the dryer
29. Hand wash some of your clothing instead of taking it to the dry cleaner when possible
30. Drink tap water instead of bottled water. Consider investing in a filter
31. Cancel cable and watch your favorite shows online
32. Work out outdoors, play sports, or go to a friend's gym instead of paying for a gym membership
33. Shop at the farmers market if possible
35. Google coupons before buying something online
36. Renegotiate your cell phone plan, find a new carrier, or cancel some features to save money
37. Use a prepaid phone instead of signing up for a phone plan, long-term contract
38. Read books and magazines from the library
39. Make your own coffee at home
40. Return the purchases you need to return
------------------------------
41. Sell your old things
43. Automate payments so you won't forget and be charged with late fees
44. Negotiate a lower APR on your debts - credit cards, car loan, home loan
45. Upcycle your old items instead of throwing them away
46. Always comparison shop
47. Find a good rewards credit card and use it smartly
48. Book trips early
50. Don't feel obligated to say yes to every invitation (this includes weddings, dinners, events, etc.)
51. Eat right and exercise and get enough sleep, so you won't have to pay with your health
52. Pay bills online to save on postage
53. Stop smoking
54. Stop drinking soda
55. Compare gas prices to find the most affordable gas with sites like GasBuddy.com
56. Get beauty treatments from trainee beauticians
57. Keep plastic takeout containers for future use
58. Wash dishes in a full dishwasher
59. Avoid out-of-network ATMs
60. Keep track of your money with a spreadsheet or Mint.com
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61. Plan out your meals for the week
62. Refill printer ink instead of buying new cartridges
63. Brush and floss every day and take care of your teeth to prevent pricey dental bills
64. Keep your receipt or take a picture of it in case you want to return an item
65. Vacation closer to home
66. Don't check in your luggage
68. Travel during an off-peak season or time
69. Travel to an underrated place instead of famous tourist spots
70. Use reusable grocery bags
71. Find a place with lower rent or get roommates
72. Join loyalty programs
73. Wait for daily deals for services you like, such as dental cleaning or a massage
74. Feed your pet the right foods and keep it in shape to reduce vet bills
75. Work toward getting a better credit score so you'll be quoted cheaper rates
76. Review your receipts to make sure you're not being charged for odd items
77. Check your bank account daily to make sure there aren't any weird charges
78. Always try to wait for a sale before buying something
79. Don't use your credit card overseas unless it doesn't have foreign transaction fees
80. Rent movies instead of going to the theater.
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Money Saving And Budgeting Information - Excellent Ways to Save Money This Year -
If one of your goals is to save money this year, then make a few changes here and there to save a little or a lot. Remember the little things do add up!
Read this list below on suggestions for saving money..
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