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Every person want to get a job to get survive with the life because nothing can e do without money and money never come if we never work. Job for normal life is a big home work for government because the government has a responsibility to provide jobs field for its citizen but actually the number of available jobs always smaller than number of job seeker, so there are so many unemployed people.

Beside the limited available jobs, there is a resistant on employment screening. The problem is company only wants a good qualified employee and that qualification makes the competition between job seeker become tighter and more difficult. The one thing that can people do is always upgrades their skill and capabilities to win the competition of work because the option is one: work or no money!

Property is a giant business and the growing and prospect in the future still has a big dream for every one. We never hear people buy a land or home two years ago and right now they want to sell it but the price is lower than when they bought it. That story will never happened because every year the value and price of home and land is always growing up. That’s why some people who has sense on marketing will be happy if they can join into property company because the bright future is stay for their future. We found some big property projects was start like Green Valley Arizona or other project in big other states.

What we can do if we are not member team of property company, can we get the profit of bright future? The answer is we can get the profit as well because we don’t have to join as fixed member. Yes we can get the project or job as freelance of property marketing. With this status we still do our main job and play our side job in between our spare time. We can offer the big project like Green Valley Arizona to the public as well. We can offer it to our close friend or our business relations and if we success we will get the big bonus as well. The difference with fixed marketing is only the target because as freelance there is no monthly sales target because our position is only additional support on the existing marketing team.

If you have some experiences on the property sales,you can leave your existing job and join as fixed member of property marketing for example Green Valley Arizona marketing team . Off course this decision need big and mature thinking before you take final voice for your future. Even the prospect of future is brighter but still need hard struggle to make it come true. So let make final decision for your better future,grab your projects!

Right now credit card become a need for peoples who stay in the big city or who have company or business with others peoples. With this card we can do some transaction in the hotels, shops, restaurant or other official merchant. We can use the credit card to pay some entertainment service for our client or other counter part of business. With this big of purpose and the biggest benefit for card holder that they can pay the bill in the end of month or in scheduled date, there are so many people want to have the credit card. They want sometime more than 1 card from several card providers. Look like this just be a prestigious hobby than the function of each card.

Even there are so many ways to get credit card from provider but there is only one biggest problem from card holder side, that’s the payment of bill is not smooth any more. This problem makes the provider become headache because they have to make debt settlement and then offer it to the customer with big hoping that they can get back the fund from the naughty customer. Sometime this way is success and the fund will flow back to the provider but sometime it doesn’t work because the card holder really can’t pay back their fund or they don’t want to do that.

Basically debt settlement can help card holder because they will get reducing of fund bill so sometime the provider is only ask the card holder to pay the main fund without any interest inside. There are some company that has service to help card holder that has problem with the debt, for example Debt Remedy Advisors, LLC that can reached at the toll free number: 866-857-3328 or through their site.

If you have a problem with debt fund, you can find in Internet some sites that can help you to solve your problem. They can help you from doing debt settlement, reducing the bill or pay all of your bill with some agreement with you. They offer the new benefit for you and the easy way to pay all of your bill, so you can sleep with easily in the night.

Even there are so many ways to pay off your bill but there is a hidden massage for us that better if we can use our credit card with the wise way. We have to control and handle every single transaction using credit card so we can live without under pressure from credit card provider. I am sure we never want get phone call from debt collector everyday because that only make us stay in the afraid situation and we will never can sleep with a peace every night. The credit card actually is not for daily usage but better if we only use it if we really in the urgent situation and we don’t have enough cash to pay transaction. If we can do the best on the credit card usage, off course our life will better. So keep an eye on your credit card usage and always remember that credit card could be your time bomb if you never can handle it wisely.

In latest few years there is a new famous wording that synonym with meaning of new money and its called Nouveau Riche. Every body care with money and give big attention on it. We always sleep and stay in the fastest competition to get money as big as we can with the shortest time. No body will refuse if the money say hello in front of their eyes because with money people can do anything even money is not everything for some of people.

Money can change every single situation, money can change people mind, and money can be a great motivation to do crazy things and money with short meaning its change world face. Nouveau Riche can be a new way to be rich with the best way for people. It shares the options of existing opportunities that could be a good way for people who have big passion to be a rich man or at least to grow their properties like a rich man.

In the some business newspaper, Nouveau Riche become one of popular word because it’s like a bomb that too fast influence the business world and makes every people surprised. We already knew that we can get money from everything unless the way is unpredictable before

Money becomes the biggest reason why we join and work in company and money is the biggest as well why we leave our company and join with its competitor. No body can be fix boss of money because it’s too easy fly and stay for a moment in one people and then fly again to other peoples.

When I got married one year ago, my friend gave me a prize for my happy day. They asked me what kind of prize that I like and I answered “Up to you Guys”. After this day, I tried to focus on my ceremony and celebration party so I never thought again what kind of prize that will be given to us. Few days closer to the wedding day, I was so busy to communicate with my girl friend about wedding preparation. Some questions always came out from my mouth about detail stuff or every plan for our celebration. We knew this moment is very important for our future with new style as a couple of husband and wife so we try the best to make everything walk smoothly as our plan. Our preparation was begun with flowers, decoration, red rugs and books for our blessing ceremony in church.

We knew that our wedding was a very special case for our both family, that’s why we have to focus on every detail in every plan for our ceremony and our celebration party. We have some limitation on the time and fund so we have to get all stuff what we need as cheap as possible like we buy some cheap rugs and other cheaper stuff. For us that are not big deal as long as the function still work well. For the decoration in the celebration place we took a package with video and photograph so we can get cheaper price and save some funds for other purpose. We didn’t have pre wedding photos because for us that’s not very important and to replace it we use our existing photos for our wedding invitation letter and for our welcome identification in front of entering door.

For me and my girlfriend especially, this moment was very hard because we stayed under pressure for months just for 2 days moment. We thought all preparation for months with minimum support from our family but we have a commitment to keep on the track and the show must go on. Until one day before our wedding ceremony we still got some resistant and not smooth situation that made us become little depression with all of this. Finally on the H-day we can run every single plan of moment with the good result even not 100% like expected. Our wedding ceremony in church can run smooth and we are very happy with our family and all of guest. In the second day, the celebration day, we can give the best celebration for all of guest so we can share our happiness. Our celebration was very special because all of floor was covered by area rugs that we bought several days before. The decoration is great and made this celebration look so exclusive even with limited fund but the important thing was we already married!

When we start our business from zero in the beginning few years ago and right now our business become bigger and have some branches, I am sure we have some thinking how to make our business become more popular and profitable in the world wide market. There are some ways to make it come true and right know the popular and easier way is make a franchise project.

With the franchise system every people can open new branches as our representatives business. What should we prepare just a training for our partner and all stuff or equipment for the new branches. Our partner just buy franchise fee and should buy all important equipment from us. Off course we are as license owner will get yearly fee and sales part percentage from our partner and our partner can get our popularity name as guarantee to sale the products. So this system will makes both side in profitable condition to survive in the market competition.

Success leaves a trail. One of the easiest ways to have your own success is to follow where others have gone before. We all have different goals and come from different circumstances, but there are five basic steps that will ensure the best possible results for everyone, no matter where you are now.

These five STEPS are:

S Starting point.T Team.E Evaluation strategy.P Plan and path.S Starting point (reevaluation).

S Is for Starting Point

First, you need to know where you are. It’s like having to get on the scales before you start a new diet—you might not want to really know what the numbers say, but you do need to know your starting point.

That’s just how it is for your financial plan. Your best results will remember: The members of your team will help you or harm you as you follow your own financial dream.

Come when you can take a realistic look at where you are financially— without excuses, blame, or justifications. Find out where you are, so you can plot an accurate course to where you want to be!

T Is for Team

After you have a good idea of where you are, you will need to start to think about the members you need for your financial team. Most likely, the main members of your team initially will be advisors, educators, and mentors. But your team can also include customers, clients, vendors, business alliances, and friends, among others. You can make conscious choices about the members of your team. You can learn how to evaluate what you need and how these people will fit into your plan. Finally, you can recognize the hidden influences they have on decisions you have made and will make in the future.

E Is for Evaluation/Strategy

After you know where you are and begin to assemble your team, it is time to call on your advisors to help you evaluate your situation and design a personalized strategy for you to achieve your goals. No one team member—your tax strategist, bookkeeper, legal counsel, or financial planner—will make all of the decisions. It is through the cooperative work of your whole team that you will receive the best advice and plan creation.

P Is for Plan and Path

After S, T, and E, you now need to move forward on the path and implement the strategy designed. This can be the hardest part as you move into previously unknown financial waters. You will want to make sure that the team you have in place has experience in the necessary areas

S is for starting point—Understand your financial story.

T is for team—Build a team that supports your goals.

E is for evaluation—With your team, construct a tax loopholes strategy.

P is for path—Create an action plan to implement your tax loop-holes strategy.

S is for starting point— Look at your new financial statements. What worked? What didn’t work? And can give you good advice based on their personal education, experience, and special skills.

S Is for Starting Point (Reevaluation)

You’ve taken the first four steps and now you need to again evaluate where you are. Just like a rocket going to the moon needs continual calculations to keep it on its path, you must constantly evaluate where you are and where you are going to ensure that you reach your goals.

By taking the time to thoughtfully consider where you are and where you’ve come from, you put yourself in a position to achieve the optimum results.

These five STEPS to financial freedom can start you and your family on the path to financial freedom today.

Years earlier, I had met Ted and Ellen while we were attending college. They were looking forward to building their life together—a nice house in the suburbs with the two children they planned. And back then, even though it was barely two decades ago, we all knew the surest route to success was the tried-and-true formula—get a good job, save to buy your first home, start your family, and live happily ever after.

Ted and Ellen were hardworking and achieved their success—new home and family—faster than most. And then one day I ran into them again. The first thing I noticed was how tired they both were. Ellen hadn’t been able to be the stay-at-home mom that she wanted to be and was ex-hausted from juggling the demands of a typical eight-to-five job with the demands of caring for their eight-year-old son, Josh, and three-year-old daughter, Sarah.

Ted worked days at a job for the state, traditionally a safe, secure job with good benefits. The benefits, though, were quickly being taken away. He was worried about how much longer he would have that job and had started a computer consulting business on the side. He spent his evenings and weekends locked away from his family in a corner of the family room working on his computer.

Both Ted and Ellen felt guilty about the time they spent away from their children and they worried about money for their future (would there be money for the children’s braces, education, and so forth?), and about their own personal future (would there be anything left for them when they were ready to retire?).

We met as friends, but it soon became apparent that I could help them in a professional manner.

I had established my career as a tax advisor and strategist for the wealthy, and as a result had learned many of the loopholes the wealthy used. The simple fact is that the wealthy approach their tax and financial planning in a radically different way than what we have been taught.

Ted and Ellen were happy to discuss their financial plans with me. Together, we created a strategy that reduced their income tax and used the money they previously paid to the government to build wealth, tax-free, for their future. That means that much of the money they used to spend on taxes is now being used to build their future.

Using the same process we still employ today at my CPA firm of (1) assessing, (2) team building, (3) evaluating, (4) implementing, and (5) reassessing, they learned how to jump-start their wealth.

In a series of conversations, they learned the basics of devising a tax plan, and then, together, we built a customized tax strategy, using the ap-proach of the wealthy.

Medicare is a federal and state health insurance program primarily for individuals who are sixty-five years of age or older. Full or partial cover-age is offered to those who are disabled before age sixty-five. There are two parts to the government’s insurance benefits.

• Medicare Part A is hospital insurance. Most people do not pay a monthly Part A premium because they or their spouse have forty or more quarters of Medicare-covered employment. This portion covers inpatient hospital costs in a benefit period; you may pay a deductible and coinsurance charges. Part A also covers skilled nursing home facil-ity care up to 100 days after hospitalization in a benefit period with a coinsurance charge. Home care and hospice services are also available. If you exceed 100 days, you must begin paying the costs of the nurs-ing home stay. In states as large and diverse as New York the cost can range widely. The insurance industry reported that the average cost per day in Chautauqua County (western New York) is $144, while it is $251 per day in Suffolk County to the east. With such a high price to pay, many people consider buying long-term care insurance to cover the possibility of longer, extended periods. If one cannot afford it, Med-icaid begins to kick in to pay the bill once people meet the require-ments to qualify. Medicaid is essentially welfare, and to qualify one must have few assets.

• Medicare Part B is medical insurance. This portion of the plan covers physician’s services, inpatient and outpatient medical and surgical serv-ices, physical and speech therapy, diagnostic tests, durable medical equipment, and such. Monthly premiums may be deducted from one’s Social Security benefit. In 2002, the premium is $54, adjusted annually. There are possible 20 percent copayments due on some Medicare-approved charges. Since some medical costs are only partially cov-ered—for example, you would pay 20 percent of the cost of durable medical equipment—or, as in the case of prescriptions and vision and dental care, are not covered at all, you may need to keep a nest egg set aside for these expenses. On the other hand, you may find coverage for these things by buying insurance plans from a company in your area.

Throughout the book, you will see the stories of different clients unfold. You may find that you have similarities to one of these clients. The clients are actually amalgams of real-life examples. Everything you will read about these clients and their personal experiences has happened to someone. The examples are real, but specific details have been changed. Plus, of course, the names have been changed.

For example, Ted and Ellen are based on the characters of people I have known for a long time. (In fact, I had gone to school with someone like Ellen.) They got trapped in the middle-class nightmare—working hard, not home much with their two children, and tired most of the time. They were looking for a way out. They weren’t afraid to try some-thing new, and they were bright, hardworking people. But they didn’t want to risk their family’s security along the way.

The people you read about are in very different situations with unique issues, but you may find elements in your own situation. Every client of mine has had many learning experiences along the way to their business success. My hope is that you can learn from these experiences as you read about them. Every lesson you learn from someone else and apply is one fewer lesson you won’t have to learn the hard way. I don’t know about you, but that sounds a whole lot easier to me!

Interspersed throughout the narrative, you will find other explanations and many forms. I encourage you to complete the forms and questionnaires that are applicable to your situation. These are tools that I use in my certified public accountant (CPA) practice with clients every day. My sincere wish is that you will have the same good results our clients have experienced. Above all, I wish you success and happiness in your business ventures, and, in fact, in all of life’s adventures.