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/

Do You Know Where and How Debt Started?

Debt has been around for hundreds of years, probably as long
 as there has been money. Debt has been a burden to many since
 then. In early Greece debt was physically tied to bondage, for
 if one was unable to repay their debts they simply became
 property of the lender. In his wisdom Solomon, the great
lawgiver, passed a law in 594 B.C. that outlawed debt
bondage and canceled all outstanding debts. That was of
course good news for those who owed money but not so for
 those who had lent it.


It was in the Italian banking system in the 1300's that
 modern lending got its start. Using a bill of exchange
a bank could lend money, designate from among dozens of
 currencies and transport it safely over poorly guarded
highways. Even if it was stolen it could not be cashed by the robber.
Thus 100 gold coins in a bank in Venice could be used in Florence.
 The bill of exchange was then able to be used as currency among
merchants and lenders, further increasing the value of the initial
gold coins. This type of lending was only available to the merchants
and the nobles, so ordinary workers were kept from the benefits and
 burdens of debt.

Debt in America - The Twentieth Century
Lending continued to be reserved for the upper class until fairly
 recently. Most middle-class and working-class people had no debt
 because the banks refused to lend them money. Most rented their
homes and even if they did own a home it was paid for as it was
 being built. A middle class person in need of a loan only had
 the options of a pawn shop or a loan shark. The New York State
 Attorney General, in an attempt to curb loan sharking, put great
 pressure upon banks to make consumer loans available.

  In 1928 the National City Bank of New York offered loans with an
 interest rate of 12 percent to its working class customers.
On the first day the bank received five hundred applications.
 Because of the interest rate and a low rate of default, the loans
 became a source of great profits for the bank.

This should give you an idea of how it all started and maybe some
idea of how it might end.

The Bible says, "Neither Lender Nor Borrower Be"

We got ourselves into this mess and maybe we need to acknowledge that
and get ourselves out of it.

Your comments are welcome but kill the Messenger!

Who Do You Listen To? Who Should Teach Financial Literacy? Schools?

Maryland is requiring their students to take financial literacy classes starting in September 2011. Will that really work? http://www.marylandreporter.com/page5502530.aspx read the article yourself and compare it to what Robert Kiyosaki says http://www.richerdaddy.com/10-principles-of-teaching-children-about-money/
Which is the better model?

The reason I ask this question is because more than likely the model they will use will be based on the old model of what doesn't work and we need something new that will stick and last generations.
Based on the present model of our school system, I'm personally not so sure that financial literacy is a subject that schools should be teaching. That's just my opinion.

I believe that financial literacy should be looked at from the perspective of who is making the money and how are they making the money? I'm not talking about greedy Wall Street, I'm talking about mom and pop stores, retail stores, toy stores, or even individuals like Trump, Robert Kiyosaki or your neighborhood business people who you can learn from. If they can do it maybe they will interested in teaching others what they know except no one ever asked them. Maybe it's time to ask.

Pay Yourself First

This is perhaps the best and most simple benefit to becoming financially literate. You get into the habit of paying yourself first. This is definitely a good thing and something most of us are not used to. BEFORE you pay one bill I don't care what it is - mortgage/rent, cell phone, cable, etc - You Pay YOURSELF First! Make it a habit to put aside a certain amount - no matter how big or small from $.50 cents to $1,000 and PAY Yourself - You, Inc. This is such an empowering move for you.