You Can Keep Your Day Job and Hustle While You Work - Create Your M.O.R.E.

For a long time after I purchased Robert Kiyosaki's course, You Can Choose to be Rich, I felt that I had to just get out there and just "make it happen" because I didn't want to work a j-o-b anymore, I didn't want to work for someone else. I wanted to be my own boss and I couldn't wait. There was only one problem -- I had no damn idea what I was doing, what I was getting into and what in the hell it would actually mean to be in business for myself. It is scary as hell. I truly realize why so many of us won't do it. Not that we can't do it because I truly believe we can do anything we truly want to do if we have a strong enough desire to do it and that's why most of us choose not to pursue a business. It is hard as hell. Because you have to GROW YOURSELF to a magnitude the likes of which you have never even thought of before and that is scary as hell so no matter how bad you may want it, you won't go for it because it takes a lot of courage, persistence, desire, burning desire, and everything else you can possibly think of to keep you on the path that will ultimately lead you to Entrepreneurship, Business Owner, Proprietor, CEO, etc. It's easier to go to work for someone else so whoever you see in that position make no mistake about it they have truly paid their dues.

And the one thing I have come to realize that they probably kept their day job too and Hustled while they work because you still have to pay the bills. Now I know most people would say yeah well duh. However, I was thinking I could just blaze out there and make it happen. And I probably could have if I had GROWN MYSELF to the level and magnitude that I would have needed at that time. It takes as long as it takes. Everyone is different and we all start from a different place because we are all different with different levels of fear, self-confidence and self-validation to overcome. Whew!

I said all of that to say that I realize now that I should have always kept my dayjob but I must admit I had some illusion about what it would take to get there. I thought in my own little head that as long as that was what I wanted, it would just happen. Well, now that my forest is clear and I can see the trees, I realize that was a big mistake on my part and I admit that I was wrong.

Now, I know I want to create what I have coined my M.O.R.E. - Money Outside of Regular Employment which is my business. However, I realize that I still have to keep my dayjob and let go of the illusion that I can do it without it. If you find yourself feeling that way you have two choices; Either you can GROW YOURSELF exponentially quickly like overnight and do it or you can realize that you can keep your dayjob and just Hustle While You Work. This brings me to the book of the same name of a great book that I believe will benefit anyone who wants to take this path. I believe in this new economy you may almost not have a choice but to create another revenue stream because you can no longer depend on just your employer to provide for you and your family. Also, social security will probably not be around to provide the income that some of our parents, grandparents and maybe even great grandparents are receiving today. The new economy has created a gap that we will have to fill ourselves. The author, Hotep has written a great book on the subject...Keep your day Job and Hustle While You Work - Using Your 9-5 to Jumpstart to 5-9. Hustle While You Work. Check it out.

Employers Created more Jobs in September than Expected!

This is great news! for all of us. This could be a small sign that America is coming back and creating more jobs to get Americans where we need to be - Back To Work! I said this is in a labor day post and it looks like that is the direction we are moving in. If this keeps up, we'll be back to prosperity in no time.
http://www.businessweek.com/ap/financialnews/D9Q7FB583.htm
I'm also hoping that all of us will chip in. How? If you've got an idea for a business that will create jobs for families and friends - bring that idea to life.Don't know how. Check the web (http://www.google.com/)  and check out Loral Langemeier's http://www.liveoutloud.com/, where she has a whole forum dedicated to bringing your business to life - and living out loud. One thing I think I can safely say is that whatever you want to do, it's probably already been done by someone so you can model them and tweak it along the way.

So get going on your dream and help create some jobs for yourself and others. How cool is that?

Want to Own a Home in this New Economy?

I was watching Suze Orman's Money Class on Public Television the other day and she gave a few tips that I thought were good advice for anyone going forward in our new economy that still wants to own a home. I still believe owning a home is the American dream but the way we've done it in the past has created a nightmare and that has to change. We can't change what we don't acknowledge (Dr. Phil) and we have to acknowledge that fact in order to make that change.

I said in an earlier post on another blog http://atlanticcountyhomes.wordpress.com/2011/08/22/atlantic-county-nj-borrowers-can-get-the-lowest-prices-but-america-needs-to-get-back-to-work-and-homeowners-should-consider-paying-off-their-mortgage-sooner/

that Americans need to own their home sooner and one of the ways to do that is to make a bigger downpayment. Making a bigger downpayment may not be the only way; I'm sure there are other financially savvy Americans who have come up with other inventive ways to make that happen but this is also what Suze Orman recommends: a twenty percent downpayment and 8 months of expenses put aside before you even start the process of searching for a home. Suze suggests that "every move you make effects something else". Suze also suggests to "Live below your means but within your needs". That is not bad advice for someone who may want to accept a lower financial threshold.

Loral Langemeier, http://www.liveoutloud.com/ who worked with Robert Kiyosaki of http://www.richdad.com/ fame suggests making more money instead of living below ones means expand the amount of cash flow that you have coming into your life. I don't know about y'all but I like making more money better than just living below my means. You decide.

Get Ready to Get Off of Welfare - Cash Payments will be Limited and Then GONE!

I knew this was coming and it's here sooner than later. Michigan has joined the ranks of states that have placed 2-5 year limits on receiving cash assistance from public assistance. However, Michigan is setting the limit at 4 years (48 months). http://www.msnbc.msn.com/id/44416871/ns/politics/?gt1=43001
On October 1, 2011 over 100,000 residents will no longer receive cash payments from their public assistance office. There will, of course, be exceptions such as the elderly who don't qualify for Social Security benefits, children with disabilities, etc. but everyone else will be on their own. This is unfortunate but inevitable. Why? The government is not going to keep giving cash assistance for long periods of time. Unfortunately, some families have received generational cash assistance and now the government is stopping the buck with them. No More Cash payments -- you must find a job or another way to get cash flow coming into your life.

This is why financial literacy is so important. People CAN take care of themselves they just have to be willing to learn HOW.

If you find yourself in this situation, where you are currently receiving cash assistance, you this lesson from Michigan as a warning and learn financial literacy, find your strengths, talents and abilities to use to create a job for yourself so you won't become desperate. Desperate people do crazy things and you don't want to live like that. Make a Change - Now. You can do it. I Believe in You. Believe In Yourself .

Are You Living Paycheck to Paycheck?

Well, according to the article below, 42 percent of Americans are living paycheck to paycheck which falls in line with 2007 data. So does this mean there is nothing to worry about since we're "supposedly" back to 2007 data. Well I beg to differ. I will have to go along with Loral Langemeier's concept of "Make More Money".  

Loral says have your latte if that's what you want. Others have cited the "Latte Factor" for us Americans being in financial dire straits. Once again I don't think it's that simple. I believe it is a whole mindset around money that makes it difficult for most of us who haven't dealt with our money issues to come to grips with what those like Loral may be speaking about. Loral or Robert Kiyosaki don't advocate cutting up your credit cards and living below your means. No. What they do advocate is learning how to increase the amount of income, cash flow, revenue -- you have coming into your life. Wouldn't that solve the problem of not having to live paycheck to paycheck? Wouldn't that solve the problem of not worrying about getting laid off? Wouldn't that solve the problem of having to worry about whether or not you can pay your bills, have extra to do what you want? Isn't that a better solution? Make More Money? What do you think?

A good book to consider to help along this journey would be Phil Laut's Money is my Friend, Stuart Wilde's The Trick to Money is Having Some, and T. Harv Eker's Secrets of the Millionaire Mind. 

Or if you want to deal with your money issues right now, I suggest David Neagle's http://www.themiracleofmoney.com/# course.

Another statistic I read in this article that women are still the primary financial stewards of the money for their family brings me to another book you might want to consider, Rich Woman by Kim Kiyosaki. This is a great book breaking down the investing game and how women can win.

http://www.recruiter.com/recruiting-news/check-to-check/

Profit Over Poverty

In order to overcome poverty, we must learn to profit from our ideas. These individuals turned their Ideas into Income as Kadena Tate would say of http://www.e3woman.com/. I believe that we all have ideas that we can turn into Income if we work at it and don't give up on that idea, especially when the going gets rough because it will and that is why your WHY has to be strong. Check out these great ideas that made millions,

http://money.msn.com/investment-advice/10-ideas-that-each-made-100-million-dollars-cnbc.aspx?cp-documentid=6838684&gt1=33036

This is what America and everyone else needs to do, find their BIG IDEA and turn into Profit in order for us to Overcome Poverty.

How to pay off your mortgage early - retire home loan – MSN Money

How to pay off your mortgage early - retire home loan – MSN Money

This is a great article to compare ways to pay off ones mortgage early. However, I see they take a ding at the money merge version (the Australian method) being the hardest to do and maybe not worth it. I totally disagree. They don't support the American version because that particular version involves software that was sold for $3500 through U1st Financial. This was a network marketing model that was used by U1st to bring this service to the American public while allowing individuals to build a business worthy of having in my opinion. Showing Americans how to take back control of their finances and save thousands in interest. What's wrong with that? I believe it was a great idea that did some great good. But unfortunately nothing lasts forever and now the company sold to Market America -- another network marketing company that has hundreds of other products and services and will put the American version of the money merge account into its existing business model. Why am I saying all of this? Yes, I was a rep for U1st Financial but I was unsuccessful in being able to bring what I believe is a great service to the public as a successful rep but that doesn't make the product a bad one. In fact I think the American or Australian version of the money merge account is the better solution than any other method mentioned in the article. I believe it's faster and gives one more control of their finances. However, I do agree that is it more difficult because of the degree of discipline needed. But I will also add that the expensive software can help you gain the discipline that you need to be able to succeed. Is it worth $3500? If you can save $10,000 - 20,000 in interest wouldn't that be worth $3500? Do your research. Make your own choice.

Are Americans Really Clueless About Credit?

Americans clueless on credit scores- MSN Money

How should we Americans feel about this? Should we feel like we're not smart? We only scored 60 which according to the article is a low passing grade in school. So what are we going to do about this? A lot of questions only bring more questions. President Barack Obama said in one of his speeches I believe during a father's day that personal responsibility has to come into play for all of the young men who are fathers. I believe this same "personal responsibility" applies to all of us Americans who need to get a handle on our credit. We first need to have a better understanding of our credit in order to get a better handle on it. I would recommend Kevin Trudeau's book, Debt Cure$ They Don't want you to Know About. This book I believe is an easy read that has some great simple, doable strategies to help you get a better credit rating, understand your credit and really be able to do something about it for your ultimate benefit.

We Americans owe it to ourselves to do a better job of understanding our credit. Not just for a better title in an article, but for the financial well-being of our individual selves and our families. We need to get a handle on our credit.

A Lifetime of Debt: The Financial Journey of the Average American | e3woman

A Lifetime of Debt: The Financial Journey of the Average American | e3woman

This is the journey most of us take in our lives and where we end up. We need to change the journey and the outcome. What do you think.
I thought this was an excellent visual aid to show anyone what their financial life may look like and then you can decide to take control to change it.

Don't forget to take that first step, you need to get your credit report from all three credit bureaus: Experian, Equifax and TransUnion. You will also need your credit scores from all three credit bureaus in order to get the full, real picture of your financial state of being.

Please feel free to leave any and all comments. I want to hear your thoughts.

5 signs you're kicking debt too fast - 2 - credit cards & banking - MSN Money

5 signs you're kicking debt too fast - 2 - credit cards & banking - MSN Money

This is actually a great article to test yourself to see if you're on track to reducing your debt or setting yourself up for failure - Again! Use this article to measure where you're at and where you want to go.

Will the Obama Administration Eliminate Fannie & Freddy?

Wow. I found this article and just had to include it here because this will affect us all:

http://online.wsj.com/article/SB10001424052748703989504576128403630694340.html?mod=dist_smartbrief

If these two agencies are eliminated how that affect the mortgage industry and every other industry attached to it?

Beware of Mortgage Scams; Especially if they tell You to Send Your Mortgage Payment to a New Address

This scam is so easy to get caught up in so I wanted to post this so that you will become aware and don't just send your mortgage payment without first checking it out;

If you get a notice from a company stating to send your mortgage payment to a new address, call your mortgage holder first to confirm there haven't been any changes. Read this:

http://realestate.bryanellis.com/3915/real-estate-scam-of-the-day-stolen-mortgage-payments-in-nevada/#comment-25710

No More Reverse Mortgages from Bank of America

I included this bit of information because it's important to learn about the different strategies that banks use. I personally never liked this bank strategy because it always made me feel that somehow banks were in a stronger position although making the senior who actually is in possession of a reverse mortgage feel like they had something of value. But check it out for yourself.

http://realestate.bryanellis.com/3918/bank-of-america-exits-reverse-mortgage-market/#comment-25709

For Women Learning to Invest is a Must

For women especially it is very important to learn to invest because statistics show that most women will be the caregivers going into the future. Most women will be the caregivers of their parents, husband or children in their later years. For this reason alone it is so important to learn how to invest to make your money work for you so that you can concentrate on other things - especially if you have to take care of others. I would suggest that women visit www.richwoman.com and check out Robert Kiyosaki's wife, Kim Kiyosaki. Her book, Richwoman, is a must read for women who want to know how to invest. Kim's take a different approach to her book and it's a great read. Take the time to learn how to invest - it will be well worth it. You owe it to yourself and your family to learn how to make your money work for you.





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No Matter What, Never Stop Learning

As you learn to invest, seek the knowledge and assistance from those who know more than you and have done what it is you want to do. Seek counsel from others before you go to the next step and never stop learning. There is so much free information on the web to get you started but if you are really serious about mastering whatever it is you want to learn about - in this case your financial literacy - then don't be afraid to spend money to gain that knowledge. Always do your due diligence. In other words, investigate, research and ask questions before you spend any money but don't be afraid to do so. Getting free info is a great start but it is free and therefore limited. The more sophisticated information you will need for ultimate success must be paid for. You have to be willing to put some "skin" your own in the game and take the plunge. Don't be afraid - just do your homework and ask all the questions you need to ask before you give your hard earned money. Start with  www.richdad.com. If you don't like Robert Kiyosaki, start with suzeorman.com or davidbach.com or daveramsey.com. or Brooke Stephens, author of Wealth Happens One Day at a Time, http://www.blackbooksdirect.com/9780060959173.html  or check out the Dynamic Diva, Elon Bomani, www.thedynamicdiva.com or if you're sure you don't want your own business but you want to have a side hustle, that's ok too because there's something for everyone - check out http://www.hustlewhileyouwork.com/ and you can keep your day job - Hotep will show you exactly how to use your 9-5 to jump start your 5-9. Any of these dynamic individuals can get you started toward your financial literacy and ultimately your financial freedom. Well, what are you waiting for? Get Debt Free and Money Smart.

Are You Ready To Take It To The Next Level - Learn to Invest

Investing is making your money work hard for you so you don't have to work hard for your money. This goes along with what Robert Kiyosaki speaks about in his Rich Dad series. The best book to start with is Rich Dad, Poor Dad. This is the story of Robert's learning as a 9-year-old financial literacy as taught to him by his Rich Dad. It doesn't matter what you what to learn to invest in - real estate, stocks, bonds, mutual funds, gold, silver, etc., there is a Rich Dad book that can help. For women interested in learning about investing in real estate, I highly recommend Kim Kiyosaki's book, Rich Woman, especially if you don't like being told what to do like myself. Kim breaks it down and makes it an easy, great read. I wrote a review about it; check it out, http://www.shvoong.com/business-management/real-estate/2096814-rich-woman/. Learning about investing in any field, takes you to the next level with your money, your choices and your lifestyle. You owe it to yourself and your family to learn how to make your money work for you.

Do You Know Your Money Blueprint?

Well, do ya? If you don't you should. It is probably the reason why you are where you are today financially. Can't seem to hold on to money? Do you spend it as fast as you get it? Do you mean to save but it just doesn't seem to happen? Well, there's a reason for all of that -- Your MONEY BLUEPRINT. Find out yours by reading T. Harv Eker's great book, Secrets of the Millionaire Mind. This book will guide you through the reason or reasons why you handle your money they way that you do. It's a great and easy read that you may or may not enjoy depending on whether or not you want to handle your own truth. Give it a chance - you won't be sorry. I wrote a review about it; check it out - http://www.shvoong.com/business-management/management/2096763-secrets-millionaire-mind/