No, not like that....... I mean she has been made bankrupt!!
This is not unusual, there are a host of celebrities that have been made bankrupt; Mike Tyson, Michael Barrymore, Burt Reynolds and even Ken from Coronation Street!
There are a whole host of reasons for celeb bankruptcy and every case is different. One thing that celebrity bankrupts often, although not always, have in common is that they have come from unprivileged backgrounds and have earned a huge amount of money in a short period of time.
Coming from a humble background is often a motivator and has inspired many people to great financial feats, including 2 of the first super rich at the end of the 19th Century Andrew Carnegie and John D Rockeller.
It can, however also affect how people deal with their wealth. It can lead people to believe they don't deserve that wealth, as if only the privileged deserve to be wealthy. Of course this is absolute nonsense but often means people spending money as fast, or faster than they get it. The result is that after a short time they are poor again and therefore justifying everything they unconsciously think about themselves.
Once again proving that until we get our mindset right it doesnt matter how much we earn.
For details of one of our courses near to you showing you how to get the right mindset email me at steve@ukwealthcoach.com
Sunday, 24 August 2008
Thursday, 14 August 2008
Why is it costing me more to go to America?
We travel to America fairly often, normally on business. Whilst we are there we always manage to get a break to do some shopping.
Because the pound has been so strong against the dollar this has been a huge advantage, every price we see we just halve to get an idea of how much it would cost in pounds.
Now things aren't looking so good. The pound is slipping against a lot of currencies which means it costs us more.
As if it's not bad enough that things are costing us more at home they are also costing us more abroad.
This affects everyone who goes abroad on holiday, from big purchases in America to a meal out in Spain it is all costing us more.
A lot of clients are asking why it is that the pound is worth less, surely a pound is a pound?
To see why our money is worth less we have to go back to basic economics. When I studied economics the dollar was worth more than the pound!!
The most important principle in economics is supply and demand. A great place to see supply and demand in action is Ebay. Look up, for example an old playstation 2. There are loads around (high supply) and not many people want them (low demand) so the price is low. Now look up an iphone, the supply is low but demand is high so the price is high.
The principle is applied throughout economics and explains the change in the value of our money.
Last year the UK was looking strong as an economy compared with USA. Big companies, banks and investors have a choice of what money they hold their fortunes in. The Pound looked a better bet than the dollar so more people wanted the pound so it was worth more, now things have changed and more people are starting to want the dollar.
The reasons for this are fairly simple. Our interest rates are lower, so if you invested £100 you would get a smaller return than if you invested $100. Also inflation is creeping up in the UK so that your money is going to be worth less in the UK as opposed to USA.
For these and a number of other reasons more people are choosing to invest in dollars than pounds which means the price of the dollar is rising. Bad news for people who want to travel to USA.
The Good news however is for our companies who trade with America. When the pound was worth $2 this meant that if a British company was selling something for £100 it would cost an American $200, now the pound is down to say $1:80, the same product will cost an American $180, a 10% reduction without the British company having to reduce its profits.
So the advice is start selling to America and book your next holiday to Skegness :-)
Because the pound has been so strong against the dollar this has been a huge advantage, every price we see we just halve to get an idea of how much it would cost in pounds.
Now things aren't looking so good. The pound is slipping against a lot of currencies which means it costs us more.
As if it's not bad enough that things are costing us more at home they are also costing us more abroad.
This affects everyone who goes abroad on holiday, from big purchases in America to a meal out in Spain it is all costing us more.
A lot of clients are asking why it is that the pound is worth less, surely a pound is a pound?
To see why our money is worth less we have to go back to basic economics. When I studied economics the dollar was worth more than the pound!!
The most important principle in economics is supply and demand. A great place to see supply and demand in action is Ebay. Look up, for example an old playstation 2. There are loads around (high supply) and not many people want them (low demand) so the price is low. Now look up an iphone, the supply is low but demand is high so the price is high.
The principle is applied throughout economics and explains the change in the value of our money.
Last year the UK was looking strong as an economy compared with USA. Big companies, banks and investors have a choice of what money they hold their fortunes in. The Pound looked a better bet than the dollar so more people wanted the pound so it was worth more, now things have changed and more people are starting to want the dollar.
The reasons for this are fairly simple. Our interest rates are lower, so if you invested £100 you would get a smaller return than if you invested $100. Also inflation is creeping up in the UK so that your money is going to be worth less in the UK as opposed to USA.
For these and a number of other reasons more people are choosing to invest in dollars than pounds which means the price of the dollar is rising. Bad news for people who want to travel to USA.
The Good news however is for our companies who trade with America. When the pound was worth $2 this meant that if a British company was selling something for £100 it would cost an American $200, now the pound is down to say $1:80, the same product will cost an American $180, a 10% reduction without the British company having to reduce its profits.
So the advice is start selling to America and book your next holiday to Skegness :-)
Sunday, 10 August 2008
Your own PLC
More bad news in the press today, redundancies and lay offs.
The working world is changing, when I was at school the advice was to get a good education, get a good job with a big firm and keep your head down and wait for retirement in 50 years time. I grew up in Birmingham, centre of the English car manufacturing industry. The best companies were British Leyland, Rover and any of a number of firms making parts for the car industry. Local to where I live now every boy knew he had a job for life down the coal mine as soon as he left school. None of these jobs exist now, they went in less than 20 years.
There are no jobs for life these days, and we have to get used to that. We cant rely on corporate Britain, or America. There is only one person we can rely upon and that's our self.
It's important that we 'brand' ourselves.
Normally I hate the business speak cliches such as 'branding' but I am happy to make an exception for this.
'Branding' ourselves simply means making sure we stand out from the crowd. We have to accept that we are and always will be self employed regardless of who we work for. You have to make sure that you are more important to your employer than they are to you.
When the industrial revolution first started working for someone else was seen as a short term measure until things picked up in your own endeavour, much as we think of social security benefits today. Over time we have lost that mentality and have slipped into a desire for security.
Now security is not a bad thing at all but it is dangerous when we rely upon someone else to provide our own security.
There are 2 ways to make sure we have control over our own security.
The first way is to make ourselves indispensable at work, to do this we have to offer more service than we get rewarded for. Too many people take the view that "I'm not paid to do that", this is not going to make you more secure at work. You also need to make sure you get the recognition, so for example make sure all of your customers, or anyone you provide a service to knows your name and asks for your personally. This is 'branding' your self above the firm.
Don't confuse any of this with grovelling or creeping up to the boss, this is for your interests first and foremost. The fact that it also helps your company only serves to make it more powerful.
The second and by far the better way to make yourself more secure is to start your own business part time. This is becoming very popular and the entrepreneurial spirit is really taking off. This is the one thing that will separate those that thrive in a recession from those that don't.
There are many ways to start your own business and it can be done for less than £1000, and involve less than 10 hours a week.
I have devised a fact sheet for anyone that is interested in how to go about starting their own business, what to look for, how to avoid the pitfalls and also my personal recommendations.
If anyone wants a fact sheet with a view to getting started on making yourself more secure drop me a line at - steve@ukwealthcoach.com
The working world is changing, when I was at school the advice was to get a good education, get a good job with a big firm and keep your head down and wait for retirement in 50 years time. I grew up in Birmingham, centre of the English car manufacturing industry. The best companies were British Leyland, Rover and any of a number of firms making parts for the car industry. Local to where I live now every boy knew he had a job for life down the coal mine as soon as he left school. None of these jobs exist now, they went in less than 20 years.
There are no jobs for life these days, and we have to get used to that. We cant rely on corporate Britain, or America. There is only one person we can rely upon and that's our self.
It's important that we 'brand' ourselves.
Normally I hate the business speak cliches such as 'branding' but I am happy to make an exception for this.
'Branding' ourselves simply means making sure we stand out from the crowd. We have to accept that we are and always will be self employed regardless of who we work for. You have to make sure that you are more important to your employer than they are to you.
When the industrial revolution first started working for someone else was seen as a short term measure until things picked up in your own endeavour, much as we think of social security benefits today. Over time we have lost that mentality and have slipped into a desire for security.
Now security is not a bad thing at all but it is dangerous when we rely upon someone else to provide our own security.
There are 2 ways to make sure we have control over our own security.
The first way is to make ourselves indispensable at work, to do this we have to offer more service than we get rewarded for. Too many people take the view that "I'm not paid to do that", this is not going to make you more secure at work. You also need to make sure you get the recognition, so for example make sure all of your customers, or anyone you provide a service to knows your name and asks for your personally. This is 'branding' your self above the firm.
Don't confuse any of this with grovelling or creeping up to the boss, this is for your interests first and foremost. The fact that it also helps your company only serves to make it more powerful.
The second and by far the better way to make yourself more secure is to start your own business part time. This is becoming very popular and the entrepreneurial spirit is really taking off. This is the one thing that will separate those that thrive in a recession from those that don't.
There are many ways to start your own business and it can be done for less than £1000, and involve less than 10 hours a week.
I have devised a fact sheet for anyone that is interested in how to go about starting their own business, what to look for, how to avoid the pitfalls and also my personal recommendations.
If anyone wants a fact sheet with a view to getting started on making yourself more secure drop me a line at - steve@ukwealthcoach.com
Thursday, 7 August 2008
Slight Edge
I tend to do a fair bit of travelling in my car, I don't like the thought of wasting time so I always make sure I have my i-pod which I can plug in and listen to some good stuff whilst I am driving.
Now I must have the most varied i-pod in history. Apart from my old school Led Zeppelin, Sex Pistols and The Clash I also have some modern R'n'B which my partner encouraged me into. There is also some weird stuff on there courtesy of my daughter such as Britney Spears and Girls Aloud!!
But by far the biggest category on my i-pod is personal development and it's this I listen to everyday when I am alone in the car. I love listening to the greats such as Jim Rohn, Denis Waitley and Anthony Robbins. Today I was listening to the Slight Edge by Jeff Olsen. This is one of my favourites and I think it brings together all of the personal development stuff and explains why people can often listen to personal development and yet make no changes.
We are conditioned into wanting instant results, whereas the truth is that often it is an incremental improvement. When we dont see those results we give up.
One of the stories on the CD I love is the 2 sons who are given a choice by their dying dad. Do you want £1million today, or a penny which will double everyday for 30 days? ***** beware I am going to spoil the ending here ;-) - yep after 30 days that penny is worth over £5million!! The power of compound interest.
How many of us realise that when we take credit out, do we really know the cost of that £100 purchase if paid off just on the minimum payment.
I remember lying on the floor with my dad reading the papers, they were all broadsheets in those days and too big for us to hold up and read so we laid it out on the floor. He used to show me the loans and mortgage offers and show me how much I would have to pay over the lifetime of a mortgage. It scared me so much it nearly put me off buying a house!
The main point of the slight edge is that every decision we make is a slight edge decision. Every time we decide whether to read a book that will teach us something (or log into your favourite wealth coach blog ;-) ) or watch TV we are making a decision that will take us closer or further away from our goal.
The point is its easy to do the right thing but its also easy not to. Reading 10 pages of an inspiring book won't make us successful overnight, just as watching an episode of Eastenders mean we will never succeed. But day after day these decisions make a difference, 10 pages of a book everyday equals about 15 good books a year - now that will make a difference.
So what are you going to do tomorrow that will take you a step closer, not a step further away from your goal?
Now I must have the most varied i-pod in history. Apart from my old school Led Zeppelin, Sex Pistols and The Clash I also have some modern R'n'B which my partner encouraged me into. There is also some weird stuff on there courtesy of my daughter such as Britney Spears and Girls Aloud!!
But by far the biggest category on my i-pod is personal development and it's this I listen to everyday when I am alone in the car. I love listening to the greats such as Jim Rohn, Denis Waitley and Anthony Robbins. Today I was listening to the Slight Edge by Jeff Olsen. This is one of my favourites and I think it brings together all of the personal development stuff and explains why people can often listen to personal development and yet make no changes.
We are conditioned into wanting instant results, whereas the truth is that often it is an incremental improvement. When we dont see those results we give up.
One of the stories on the CD I love is the 2 sons who are given a choice by their dying dad. Do you want £1million today, or a penny which will double everyday for 30 days? ***** beware I am going to spoil the ending here ;-) - yep after 30 days that penny is worth over £5million!! The power of compound interest.
How many of us realise that when we take credit out, do we really know the cost of that £100 purchase if paid off just on the minimum payment.
I remember lying on the floor with my dad reading the papers, they were all broadsheets in those days and too big for us to hold up and read so we laid it out on the floor. He used to show me the loans and mortgage offers and show me how much I would have to pay over the lifetime of a mortgage. It scared me so much it nearly put me off buying a house!
The main point of the slight edge is that every decision we make is a slight edge decision. Every time we decide whether to read a book that will teach us something (or log into your favourite wealth coach blog ;-) ) or watch TV we are making a decision that will take us closer or further away from our goal.
The point is its easy to do the right thing but its also easy not to. Reading 10 pages of an inspiring book won't make us successful overnight, just as watching an episode of Eastenders mean we will never succeed. But day after day these decisions make a difference, 10 pages of a book everyday equals about 15 good books a year - now that will make a difference.
So what are you going to do tomorrow that will take you a step closer, not a step further away from your goal?
Monday, 4 August 2008
Fat Cats and the Filthy Rich
I was doing some research yesterday for a programme I am running showing people how to improve their finances.
The programme shows people how a negative way of thinking can impact on their finances, in particular its important how we view the wealthy.
Googling for images for the programme I was amazed how many negative images there were of the rich. Now don;t get me wrong some wealthy people are hard to like (especially the younger ones with inherited wealth!!!) but it's not healthy to have such a poor image of wealth.
Try it yourself, google 'rich people' or similar phrases and see what it brings up.
I was amazed talking to a friend who told me stories of how differently he gets treated when he drives his Bentley as opposed to his Audi. How strangers shout obscenities at him for being 'rich', how harder it is to find a gap in the traffic and how often the car has been scratched.
So what does it matter? Why am I bothered about the rich getting a bad press?
Well I'm not bothered about them, I'm bothered about you.
If we are surrounded by bad images of the rich, if the names we attach are "filthy rich", greedy, pigs how will that affect us?
Our unconscious mind is more powerful than our conscious mind. We can tell ourselves that we want to be rich but if we have poor images of rich people are we really going to want to be rich?
Are we going to want to be one of those people that our family and friends dislike and resent?
What will our friends think of us if we succeed? Will our family talk to us, will we have anything in common?
Negative thinking like this will hold us back in our wealth goals no matter how often we tell ourselves we really want to be rich.
So do yourself a favour and next time you see the guy in the Armani suit step out of his Aston Martin give him a hug, rich people are human too and they deserve to be loved ;-)
.......... or you can sign up for a FREE wealth checkup. This is a series of probing questions for you to complete in private which will show any limiting beliefs your unconscious mind is using to hold you back.
Sign up for this checkup for you to complete at your leisure http://www.ukwealthcoach.com/resources
The programme shows people how a negative way of thinking can impact on their finances, in particular its important how we view the wealthy.
Googling for images for the programme I was amazed how many negative images there were of the rich. Now don;t get me wrong some wealthy people are hard to like (especially the younger ones with inherited wealth!!!) but it's not healthy to have such a poor image of wealth.
Try it yourself, google 'rich people' or similar phrases and see what it brings up.
I was amazed talking to a friend who told me stories of how differently he gets treated when he drives his Bentley as opposed to his Audi. How strangers shout obscenities at him for being 'rich', how harder it is to find a gap in the traffic and how often the car has been scratched.
So what does it matter? Why am I bothered about the rich getting a bad press?
Well I'm not bothered about them, I'm bothered about you.
If we are surrounded by bad images of the rich, if the names we attach are "filthy rich", greedy, pigs how will that affect us?
Our unconscious mind is more powerful than our conscious mind. We can tell ourselves that we want to be rich but if we have poor images of rich people are we really going to want to be rich?
Are we going to want to be one of those people that our family and friends dislike and resent?
What will our friends think of us if we succeed? Will our family talk to us, will we have anything in common?
Negative thinking like this will hold us back in our wealth goals no matter how often we tell ourselves we really want to be rich.
So do yourself a favour and next time you see the guy in the Armani suit step out of his Aston Martin give him a hug, rich people are human too and they deserve to be loved ;-)
.......... or you can sign up for a FREE wealth checkup. This is a series of probing questions for you to complete in private which will show any limiting beliefs your unconscious mind is using to hold you back.
Sign up for this checkup for you to complete at your leisure http://www.ukwealthcoach.com/resources
Sunday, 3 August 2008
THE INSANITY PRINCIPLE
Do you know the definition of insanity? One popular definition is "Doing the same thing over and over and expecting a different result"
Yet so many people do exactly this, especially in relation to their finances.
I see so many people who tell me a similar tale as we go through their financial history. Typically there is a consolidating loan, now these sort of loan aren't necessarily a bad idea. I will cover how to best use credit in a later article. However I see them used in the worst way possible so often. Here is the scenario........
Bob has 3 credit cards, they are all up to the limit, a total of £7500 and he is paying out £150 a month minimum payments . He sees a great shiny new loan that will wipe out all of his credit cards and will reduce the monthly payments to £65 a month. WOW, nearly £100 a month better off.
As Bob pays off his final credit card with the loan money he says to himself "that's it I am not using credit cards again I am going to rip them up"
So far so good and probably sound advice, the interest rate on the loan will probably be a lot cheaper and the loan will be paid off.
However the reality that I so often see is this - Bob almost pays off his credit cards but leaves £350 on one so that he has £350 of the loan money to 'treat himself' after all he deserves it for being so financially sensible.
He cuts up 2 of his cards but leaves one 'for emergencies'
3 months later he sees a new shirt that he has to have and because he has done so well he decides he will 'reward himself' and given that all of his other shirts are in the wash it probably classes as an emergency anyway. So he dusts his only credit card off and buys it on credit........
18 months later Bob is asking if he can increase the consolidating loan to £10,000 because he wants to 're-consolidate'. He increases the payment period by 5 years so now he has an extra £2,500 credit BUT his payments have gone down!!! Now that is a financial magic trick and Bob buys himself a real treat for that!
All joking apart this is a typical scenario for a lot of people.
The reason is that they are following a pattern that has been programmed into them since childhood.
We all see money differently and for a lot of people their upbringing has planted seeds that mean they will be programmed to see credit as a way of rewarding themselves, or cheering themselves up.
In the worst case scenarios I have seen it is an addiction, no different to alcohol, drugs or food.
The good news is that it can be solved. Just as your mind has been programmed over time so it can be reprogrammed.
In an online training programme I use you can establish what patterns you have; how you think of money; where the thought pattern came from and then we can work to establish a better, healthier pattern which is often the first step to wealth.
If you want to learn how to stop banging your head against a brick wall contact me at steve@ukwealthcoach.com
Yet so many people do exactly this, especially in relation to their finances.
I see so many people who tell me a similar tale as we go through their financial history. Typically there is a consolidating loan, now these sort of loan aren't necessarily a bad idea. I will cover how to best use credit in a later article. However I see them used in the worst way possible so often. Here is the scenario........
Bob has 3 credit cards, they are all up to the limit, a total of £7500 and he is paying out £150 a month minimum payments . He sees a great shiny new loan that will wipe out all of his credit cards and will reduce the monthly payments to £65 a month. WOW, nearly £100 a month better off.
As Bob pays off his final credit card with the loan money he says to himself "that's it I am not using credit cards again I am going to rip them up"
So far so good and probably sound advice, the interest rate on the loan will probably be a lot cheaper and the loan will be paid off.
However the reality that I so often see is this - Bob almost pays off his credit cards but leaves £350 on one so that he has £350 of the loan money to 'treat himself' after all he deserves it for being so financially sensible.
He cuts up 2 of his cards but leaves one 'for emergencies'
3 months later he sees a new shirt that he has to have and because he has done so well he decides he will 'reward himself' and given that all of his other shirts are in the wash it probably classes as an emergency anyway. So he dusts his only credit card off and buys it on credit........
18 months later Bob is asking if he can increase the consolidating loan to £10,000 because he wants to 're-consolidate'. He increases the payment period by 5 years so now he has an extra £2,500 credit BUT his payments have gone down!!! Now that is a financial magic trick and Bob buys himself a real treat for that!
All joking apart this is a typical scenario for a lot of people.
The reason is that they are following a pattern that has been programmed into them since childhood.
We all see money differently and for a lot of people their upbringing has planted seeds that mean they will be programmed to see credit as a way of rewarding themselves, or cheering themselves up.
In the worst case scenarios I have seen it is an addiction, no different to alcohol, drugs or food.
The good news is that it can be solved. Just as your mind has been programmed over time so it can be reprogrammed.
In an online training programme I use you can establish what patterns you have; how you think of money; where the thought pattern came from and then we can work to establish a better, healthier pattern which is often the first step to wealth.
If you want to learn how to stop banging your head against a brick wall contact me at steve@ukwealthcoach.com
Saturday, 2 August 2008
NEGATIVE EQUITY, DOES IT SPELL DISASTER?
Yesterday the Nationwide building society reported more 'bad' news for home owners.
"House prices are falling at a record rate as the credit crunch continues to squeeze the property market, figures have shown."
- The average UK home lost 8.1% of its value during the past year
- House prices fell for the ninth month in a row during July
- The average home now costs £169,316, nearly £15,000 less than this time last year and the lowest since August 2006.
Doom, gloom and more gloom.
But is it really? One of the problems with this sort of news is that people are taught to view a home as an asset. The truth is that it isn't an asset but a liability. People who know how to succeed financially know that an asset is something that produces an income, something that costs you money is a liability. Robert Kiyosaki in his best selling book "Rich Dad, Poor Dad" upset many dyed in the wool accountants when he turned modern day thinking on its head and show how the real rich think.
A house is worth what people will pay for it but ultimately its value is the value to you. A house that you have made into a home for you and your family will never lose its true value. If you are paying £700 a month for your home you are getting the comfort, warmth and 'welcome home' feeling that a true family home can give you. That value is the same whether someone will pay you £200,000 or £150,000 for it.
The price is only relevant if you want to sell it. This is the point that most people miss.
If prices continue to fall there is really only one advice - HOLD ON. The price will recover. My parents home cost them £3,000 over 40 years ago. Over the years it has gone up and down, it is probably now worth less than it was a year ago and more than 5 years ago but it doesn't matter because they love their home and have no intention of selling so the 'price' of it is of interest only to other people.
Deep in the article by the Nationwide they said........ "prices were still nearly £11,000 higher than they were three years ago"!!!!!
Does it really matter? Close your curtains, put the kettle on and enjoy your house for what it is - your home for you and your family and not a figure on a balance sheet.
"House prices are falling at a record rate as the credit crunch continues to squeeze the property market, figures have shown."
- The average UK home lost 8.1% of its value during the past year
- House prices fell for the ninth month in a row during July
- The average home now costs £169,316, nearly £15,000 less than this time last year and the lowest since August 2006.
Doom, gloom and more gloom.
But is it really? One of the problems with this sort of news is that people are taught to view a home as an asset. The truth is that it isn't an asset but a liability. People who know how to succeed financially know that an asset is something that produces an income, something that costs you money is a liability. Robert Kiyosaki in his best selling book "Rich Dad, Poor Dad" upset many dyed in the wool accountants when he turned modern day thinking on its head and show how the real rich think.
A house is worth what people will pay for it but ultimately its value is the value to you. A house that you have made into a home for you and your family will never lose its true value. If you are paying £700 a month for your home you are getting the comfort, warmth and 'welcome home' feeling that a true family home can give you. That value is the same whether someone will pay you £200,000 or £150,000 for it.
The price is only relevant if you want to sell it. This is the point that most people miss.
If prices continue to fall there is really only one advice - HOLD ON. The price will recover. My parents home cost them £3,000 over 40 years ago. Over the years it has gone up and down, it is probably now worth less than it was a year ago and more than 5 years ago but it doesn't matter because they love their home and have no intention of selling so the 'price' of it is of interest only to other people.
Deep in the article by the Nationwide they said........ "prices were still nearly £11,000 higher than they were three years ago"!!!!!
Does it really matter? Close your curtains, put the kettle on and enjoy your house for what it is - your home for you and your family and not a figure on a balance sheet.
THE GOOD NEWS PORTAL
Credit crunch, negative equity, rising petrol prices, food prices, electricity prices.
Everywhere you look today there is bad news.
This blog aims to be an oasis of good news, showing you how you can avoid the worst of any recession and how you can even thrive.
Did you know more millionaires are made in recessions than in boom times?
I am going to give daily help, post resources, and give advice on how to get out of debt and back into the black.
Recessions are often borne out of a loss of confidence, panic and surrender. It doesn't have to be this way.
I have shown people how to get out of debt and given practical advice over the last 20 years, through the last recession when negative equity ruined many lives and through the boom times.
Times change but good solid financial skills don't, let's work together to make sure we prosper.
Everywhere you look today there is bad news.
This blog aims to be an oasis of good news, showing you how you can avoid the worst of any recession and how you can even thrive.
Did you know more millionaires are made in recessions than in boom times?
I am going to give daily help, post resources, and give advice on how to get out of debt and back into the black.
Recessions are often borne out of a loss of confidence, panic and surrender. It doesn't have to be this way.
I have shown people how to get out of debt and given practical advice over the last 20 years, through the last recession when negative equity ruined many lives and through the boom times.
Times change but good solid financial skills don't, let's work together to make sure we prosper.
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