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.