Wszystko o SEXIE...

[GoppingH]

Hello dear people! [link widoczny dla zalogowanych] Now before you start to think….well I dont have any excess [link widoczny dla zalogowanych] left…if I was earning more money….then I would have some free. Le [link widoczny dla zalogowanych] me dispel this myth…and tell you that it is a kn [link widoczny dla zalogowanych] wn and excepted fact that the amount of money that peop [link widoczny dla zalogowanych] e earn has little if any bearing on whether or not they have a [link widoczny dla zalogowanych] excess left to invest. The only way to create an excess it to [link widoczny dla zalogowanych] spend less than you earn, instead of spending
all tha [link widoczny dla zalogowanych] you earn.Even doctors and lawyers, who earn well over $1 [link widoczny dla zalogowanych] 0,000.00 per year, often end up at retirement with [link widoczny dla zalogowanych] little more Net Worth than factory or office workers.Net Worth [link widoczny dla zalogowanych] is calculated by deducting the value of all the l [link widoczny dla zalogowanych] abilities or loans you have from the income-produ [link widoczny dla zalogowanych] ing assets owned to give you the net value of your income- [link widoczny dla zalogowanych] roducing assets. Why arent high-income earners retiring wealt [link widoczny dla zalogowanych] y? Why dont they end up
with a greater Net Worth tha [link widoczny dla zalogowanych] someone on a low income? It is quite simple. H [link widoczny dla zalogowanych] man nature seems to dictate that whatever anyone earns….the [link widoczny dla zalogowanych] spend….some even spend more than they earn and char [link widoczny dla zalogowanych] e it on their credit card.The higher your income grows…t [link widoczny dla zalogowanych] e more you spend and the only way to get out [link widoczny dla zalogowanych] f this cycle is to realise that it is happening, a [link widoczny dla zalogowanych] d make a concerted effort to reverse this habit….an [link widoczny dla zalogowanych] to begin reducing your expenditures so that you can free [link widoczny dla zalogowanych] up m
oney to invest.The best way to do this, is to try the 10 [link widoczny dla zalogowanych] 90 plan. This plan simply means that as soon [link widoczny dla zalogowanych] s you receive your pay….you put aside 10% of it for i [link widoczny dla zalogowanych] vestment….and then use the other 90% to live off o [link widoczny dla zalogowanych] . Put aside the 10%, and then pay all the bills and do the groce [link widoczny dla zalogowanych] y shopping….and then after that whatever is left over you ca [link widoczny dla zalogowanych] spend.Most people do it the wrong way around…they pa [link widoczny dla zalogowanych] the bills, do the shopping and spend what is lef [link widoczny dla zalogowanych] over, never leaving a
ny left to save or invest. By ta [link widoczny dla zalogowanych] ing the investment money out first you will alle [link widoczny dla zalogowanych] iate the temptation to spend it.The road to we [link widoczny dla zalogowanych] lth is not determined by how much you earn, but by [link widoczny dla zalogowanych] ow you utilise the income you have and how much you save and inv [link widoczny dla zalogowanych] st.You need to take control of your finances. [link widoczny dla zalogowanych] One of the best ways to start having more contr [link widoczny dla zalogowanych] l over your money is to find out where it has all [link widoczny dla zalogowanych] been going, and then amend your spending
habits t [link widoczny dla zalogowanych] allow you to live within the 10/90 plan.If you [link widoczny dla zalogowanych] write down a list of your monthly net income, then i [link widoczny dla zalogowanych] another column write down a list of the essential items th [link widoczny dla zalogowanych] t you have to spend money on. You should be ab [link widoczny dla zalogowanych] e to work out an average for telephone, gas, elec [link widoczny dla zalogowanych] ricity, insurances and rates, from your previous bills [link widoczny dla zalogowanych] Work out an average of how much is spent on grocery sh [link widoczny dla zalogowanych] pping and petrol. If there are any other
necess [link widoczny dla zalogowanych] ry utilities include them as well. Then deduct the second column [link widoczny dla zalogowanych] rom the first – and this will give you the maximu [link widoczny dla zalogowanych] potential savings for each month. It can be quite st [link widoczny dla zalogowanych] rtling how high this figure can be and make you wo [link widoczny dla zalogowanych] der where all the extra money went.Another good l [link widoczny dla zalogowanych] arning experience is to simply write down for a fort [link widoczny dla zalogowanych] ight every dollar spent and write next to it wha [link widoczny dla zalogowanych] it was for. You will soon find
debt consolidation
that there are [link widoczny dla zalogowanych] lot of unnecessary expenses, often caused by impulse buyi [link widoczny dla zalogowanych] g, where you have spent money on items that you neither ne [link widoczny dla zalogowanych] ded or really wanted, and could easily have gone withou [link widoczny dla zalogowanych] . With over $1.5 trillion changing hands daily, it might [link widoczny dla zalogowanych] be advantageous for you to investigate the ex [link widoczny dla zalogowanych] remely lucrative business opportunity involving currency tradi [link widoczny dla zalogowanych] g.Once the domain of major banks and corporation [link widoczny dla zalogowanych] , this field is now an
open playground for the or [link widoczny dla zalogowanych] inary individual.The following information gives [link widoczny dla zalogowanych] you a comparison of different investment opportunities in c [link widoczny dla zalogowanych] mparison to Forex trading Forex could be the perfect opportunit [link widoczny dla zalogowanych] for you if you are willing to have an open mind and investigate [link widoczny dla zalogowanych] Equities are dependant on variable factors regarding when to [link widoczny dla zalogowanych] buy and when to sell. With Forex, the opportunity to buy or sell [link widoczny dla zalogowanych] is always present.Futures require a person to pay
excha [link widoczny dla zalogowanych] ge fees as well as commission charges. Forex requires [link widoczny dla zalogowanych] no commission charges or fees. Futures also is limited [link widoczny dla zalogowanych] o specific trading hours, whereas Forex is not limit [link widoczny dla zalogowanych] d and is available 24/7. Also, with Futures, once a person [link widoczny dla zalogowanych] buys they are basically locked in for a specific amou [link widoczny dla zalogowanych] t of time. Forex Offers flexibility to change posi [link widoczny dla zalogowanych] ion within seconds at the onset of any variable which
coul [link widoczny dla zalogowanych] effect the particular economic security. When a [link widoczny dla zalogowanych] late breaking news or factor is announced, bam trade is ma [link widoczny dla zalogowanych] e within seconds.Real Estate can be devastating to the novic [link widoczny dla zalogowanych] and often requires larger amounts of investments. It is [link widoczny dla zalogowanych] also volatile with the factors which can affect the buying a [link widoczny dla zalogowanych] d selling. Ask any real estate investor; they all can tell you t [link widoczny dla zalogowanych] e horror stories. The emotional strain of a lingering nega [link widoczny dla zalogowanych] ive tenant is e
nough to make any investor throw up their hands [link widoczny dla zalogowanych] nd run for the hills. An investor may often have [link widoczny dla zalogowanych] money tied up in an investment for several ye [link widoczny dla zalogowanych] rs depending on the situation involved. Although real estate [link widoczny dla zalogowanych] as been up in value for the past few years, many now [link widoczny dla zalogowanych] elieve the market has bottomed out and value is g [link widoczny dla zalogowanych] owing at a snails pace. Many investors often have to wait [link widoczny dla zalogowanych] on approval from banks in regards to financi
ng or releasing mo [link widoczny dla zalogowanych] ey for financing; therefore, an investor may have his money w [link widoczny dla zalogowanych] apped up long-term. Forex is extremely flexible.CDs and [link widoczny dla zalogowanych] avings Accounts offer security but with little return o [link widoczny dla zalogowanych] the investment dollar. With Forex, a sharp trader can oft [link widoczny dla zalogowanych] n multiply his investment many times over.Annuities are mostly [link widoczny dla zalogowanych] safe for the long-term, but if an investor needs to pull his mone [link widoczny dla zalogowanych] out for the short term, he may have to
pay surrende [link widoczny dla zalogowanych] charges which can range as high as 6-8% if withdrawn. Save me!