Mark and Joyce* came to Money Mastery for help at the height of an emotional power struggle over their family finances. Both were in their mid-30s, raising two children in northern Idaho, and struggling to deal with their financial situation. Their “discussions” on money had evolved into arguments and were becoming more frequent. Both Mark and Joyce worked and made similar incomes. Mark was a pharmaceutical rep, working a fairly new terri­tory in Idaho and Oregon. Joyce was a dental hygienist. Both made more than enough money to support the family, yet they knew they were out of control. They couldn’t understand why.

At the height of their financial struggles, Mark and Joyce had accumu­lated $15,982 in consumer debt alone. This figure, of course, did not in­clude their mortgage. When it was combined with their consumer debt and all the interest, their total debt load came to a whopping $306,000. They had accumulated debt on two credit cards and were only making the mini­mum (more…)

WHEN I SAY THAT YOU DO NOT HAVE TO DRIVE SHARP BARGAINS, I do not mean that you do not have to drive any bargains at all or that you are above the necessity for having any dealings with your fellow men. I mean that you will not need to deal with them unfairly. You do not have to get something for nothing, but can give to every person more than you take from him.

You cannot give everyone more in cash market value than you take from him, but you can give him more in use value than the cash value of the thing you take from him. The paper, ink and other material in this book may not be worth the money you pay for it, but if the ideas suggested by it bring you thousands of dollars, you have not been wronged by those who sold it to you. They have given you a great use value for a small cash value.

Let us suppose that I own a picture by one of the great artists, which, in a developed society, is worth thousands of dollars. I take it to Baffin Bay and by “salesmanship” induce a native (more…)

Restaurant is never ending business because every day people need foods for daily consumption. The food turn over is too fast in daily transaction and to manage the material supply supposed to be there is a restaurant supply chain management. If the supply chain can fully support for fast daily, the restaurant activities will run smoothly.

Above case is only one sample of need of supply management, there are more samples in the business world activities and all of them always have focus in the supply chain quality. We can look into a cargo company which the company live base on the speed and protection to the cargo during delivery. Their life is depending in the power of supply chain from one place to another place.

In other side, learning supply chain management is not easy and need more time plus will be enrich with experience or learn from others people’s experience. That’s all will form people become focus on the supply specialist and can work with full performance and increase the company growing.

Another force at work in many people’s lives goes hand-in-hand with consumerism. It’s called indebtedness, and unless its power to control you is completely understood, you will fall victim to credit card companies, lend­ing institutions, banks, and other entities that wait with bated breath to put to work for them the compound interest they collect from you.

Unfortunately, most people don’t realize that when the initial loan amount is combined with double compound interest, they can end up pay­ing three times the amount they actually borrow!

Credit card companies and other credit issuers are keenly aware of this fact. These entities know that double compound interest is the way to make money. That’s why they send out more than two billion offers (more…)

Healthy fund is one of financial post that should be ready every time used. This allocation is part of emergency fund and should there is some money inside. If people already have a good commitment to manage the fund, I am sure there is a big positive sign will appear from life inside. The good commitment is like the best diet pill when we already decide to reduce our weight and that’s one of key to be success.

If we see in the history of success people, most of them have a good commitment to manage their financial especially for the great businessman. Financial is heart of business and it can be fresh air if the business is staying in low position, that’s why we have to learn about financial managing.

I see there are so many things that can be provided as new business for us. What we need is only a steel heart to begin the new action. When my friend told me that in his home town there are so many wood furniture home industries, I got an idea to be a seller of furniture. I know this is like a big dream for me because I have no experience in this field but I am sure someday I will prove it all. What I understand right now, the furniture business has a special market even not a big one.

When we see the furniture design, there are some kinds of design style; modern and classic style. Every style has different design and it has loyal market even the trend always changing. The furniture designer always has their original touch and the product always become their sign of their creativity and totality in design. When the wood supplies become lower, the furniture price become higher than normal price. The other way to maintain the price is using substitute wood, off course with lower level.

If in the future I can build a furniture company, I have a big dream to get the international market and export my products to several countries. That’s all my word to my self, to provide the better future.

Yesterday, I got email from IT team and it contains news that in this week there is new installation on our department. The existing LAN installation that right now using cable will be replace with wireless connection. They implement this system to get flexible condition and as a part of security requirement. The wireless security system should be a top priority because in most of our daily activities using computer and LAN and the frequency of data transfer is become bigger day by day.

When I came to IT room and ask why they want to change to wireless system, they said that this system is more flexible when the computer has to move to other place or when the layout position is changed. Off course this will safe the expenses of company fund even in the beginning need big fund as investment.

THERE IS A SCIENCE OF GETTING RICH and it is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches, and once these laws are learned and obeyed by anyone, that person will get rich with mathematical certainty. The ownership of money and property comes as a result of doing things in a certain way, and those who do things in this certain way — whether on purpose or accidentally — get rich, while those who do not do things in this certain way — no matter how hard they work or how able they are — remain poor.

It is a natural law that like causes always produces like effects and, therefore, any man or woman who learns to do things in this certain way will infallibly get rich.

That the above statement is true is shown by the following facts:

Getting rich is not a matter of environment, for if it were, all the people in certain neighborhoods would become wealthy. The people of one city would all be rich, while those of other towns would all be poor or (more…)

WHATEVER MAY BE SAID IN PRAISE OF POVERTY, the fact remains that it is not possible to live a really complete or successful life unless one is rich. No one can rise to his greatest possible height in talent or soul development unless he has plenty of money, for to unfold the soul and to develop talent he must have many things to use, and he cannot have these things unless he has money to buy them with.

A person develops in mind, soul, and body by making use of things, and society is so organized that man must have money in order to become the possessor of things. Therefore, the basis of all advancement must be the science of getting rich. The object of all life is development, and everything that lives have an inalienable right to all the development it is capable of attaining.

A person’s right to life means his right to have the free and unrestricted use of all the things which may be necessary to his fullest mental, spiritual, and physical involvement or in other words, his right to be rich.

I shall not speak of riches in a figurative way. To be really rich does not mean to be satisfied or contented with a little. No one ought to be satisfied with a little if he is capable of using and enjoying more. The purpose of nature is the advancement and unfoldment of life, and everyone should have all that can contribute to the power, elegance, beauty, and richness of life. To be content with less is sinful.

The person who owns all he wants for the living of all the life he is capable of living is rich, and no person who has not plenty of money can have all he wants. Life has advanced so far and (more…)

I found the new destination to spend our vacation and I am sure this place will be the next favorite place to be visited for vacation. Its name is Cabo San Lucas. When I try to track the location, look like very exciting place especially when I see the picture of Cabo San Lucas villas in the hills area. We can see the nature scene and enjoy the fresh air in the morning with sunrise as our friend. If you are interested or still have so many questions about this place, you can track on their site or may be you can ask your favorite vacation planner agent. Just ask “Is there Cabo San Lucas accommodations package for the next vacation season?” Hope they have it so you can start to plan your next vacation.

Beside the nature scene, villas or hotels, there are another thing that can be reason we can go there without any doubt because there is Cabo San Lucas vacation rental that providing most of stuff for rent. So every tourist can rent the stuff when they need it every time. The beach can be a different thing that interesting for the beach lover because we can serve with the exotic scene and enjoy the sunrise and sunset with luxury.