Gone are the days of job security and a job for life.
So you have to be prepared for the day when your boss tells you it's time for you to go my friend!
What you need is an additional or several additional sources of income.
Let's start by taking a look at this interesting e-book on the subject and then we can discuss it's contents.
Book title and author: 'Multiple Streams of Income' Nick Marks
Here is the link which will take you to this e-book which represents value for money.
Click Here!
untill the next time, best wishes.
Aled Evans
Friday, 16 February 2007
A Change of Attitude Towards Debt
In this day and age it is so easy to blame people for getting into debt, but I believe that we all have a responsibility to change our attitude towards debt including the following bodies:
*Banks
*Building Societies
*Shops and retailers such as garages
*The Government
*The media and advertising standards
Due to television adverts such as the lady from the Countdown programme and the ex England cricketer Phil Tufnell, it seems that buying things on credit is the sensible option as well as landing yourself with an almighty mortgage!
In all honesty these adverts should be outlawed and the government should set up schemes to help those in grave debt.
As for young people, managing their finances should be part of the educational curriculum, instead of some of the useless information they learn at school, which will be of no use to them in the future!
People need to be educated by reading books such as the one listed below, which is an ebook dedicated to the subject of 'everything we were taught about debt is wrong'
http://flurryking.mission2k.hop.clickbank.net/
'Every Thing You Know About Debt is Wrong'
The above link will show you how to get your hands on this enlightening book, which can help you put your finances in order.
Until the next time over and out.
Aled Evans
*Banks
*Building Societies
*Shops and retailers such as garages
*The Government
*The media and advertising standards
Due to television adverts such as the lady from the Countdown programme and the ex England cricketer Phil Tufnell, it seems that buying things on credit is the sensible option as well as landing yourself with an almighty mortgage!
In all honesty these adverts should be outlawed and the government should set up schemes to help those in grave debt.
As for young people, managing their finances should be part of the educational curriculum, instead of some of the useless information they learn at school, which will be of no use to them in the future!
People need to be educated by reading books such as the one listed below, which is an ebook dedicated to the subject of 'everything we were taught about debt is wrong'
http://flurryking.mission2k.hop.clickbank.net/
'Every Thing You Know About Debt is Wrong'
The above link will show you how to get your hands on this enlightening book, which can help you put your finances in order.
Until the next time over and out.
Aled Evans
Thursday, 8 February 2007
Pay Off Your Mortgage Early!
In these days of a shocking rise in the cost of living in 'Great' Britain
it could be said that you are fortunate to get on the property ladder in the first place
even if it does mean being lumbered with a lofty mortgage for the next 25 years!
Given the sharp rise in the price of property which has doubled in the last 5 years
this inevitably means that more of your hard earned money is being allocated towards servicing your mortgage, leading to a lower standard of living with less money to spend on the nice little extras in your life e.g holidays, clothes, dining out, a nice car.
Before we go any further let me state that the main objective of this site is to give you information on ways to take steps towards paying off your mortgage early and getting rid of the banks and mortgage companies that are hanging on to your back, keen to post yet another record breaking year profits at your expense!
The first step is to provide you with information which will change your way of thinking about mortgages and financial matters. The fact is that our antiquated education sysytem and corrupt government, have no desire to educate us in these matters, because ultimately the government want to keep us in the dark, so that we as good law abiding citizens, work hard at school, find a job and pay our taxes which gives the government money to waste on various things which do not concern us such as the dreadful war in Iraq.
On the other hand we are led to believe that if we need good sensible financial advice, the best place to go to is the bank. However what do they do? Well the answer is easy, they will encourage you to take out another loan, which ultimately leads to a financial nightmare!
In very much the same way the credit card companies will be throwing themselves at you offering you credit cards with criminal interest, encouraging you to get into debt head over heels. Of course should you lose your job and be unable to service your debt each month, they will hound you day and night with phone calls, insisting that you pay your monthly bill! Funny old World!
Before we consider ways to help you take care of your finances and pay off your mortgage and credit cards early, let's take a humorous look at the current financial climate in this wonderful country of ours we like to call Great Britain! Sometimes in the face of adversity given your financial challenges, it is sometimes helpful to have a good laugh before tackling the real issues in a positive manner by making the challenge fun.
* Have you ever thought that the prime minister in waiting Gordon Brown gets his dirty mits on 60 p out of each £1 we earn, one way or another e.g VAT, tax on petrol, alcohol etc
* Having worked hard all your life you can look forward to a period of poverty on your feeble pension. That is if your employer has provided you with one. Of course the government has just announced that most people will have to work untill the age of 68! Ouch, painful.
* Can you rely on free care for the elderly if you can't look after yourself? Not if as they advised you during your working life to work hard and save your hard earned money.
You will then have the pleasure of paying £500 a week for living in an old people's home!
Don't panick. Once your money runs out, they'll sell your house to finance your care!
*On the subject of tax, the next time you fill up your car with petrol, spare a thought for that miser Brown the chancellor. For each £1 you spend, he will get his grubby hands on 80p!
And then the Blair government have the nerve to complain about the rising cost of oil and Shell and BP profits.
Petrol is cheap when you take away tax. About a £1 a gallon!
* How sad it is to think that a long list of charities in the UK rely on the public to support them, when the government squanders millions of pounds in far flung places like Afghanistan and Iraq.
*In a similar manner it's ok for government ministers to criticise young people in impoverished parts of Great Britain for unsociable behaviour and drugs and alcohol abuse. In all honesty what these young people need is an education system more in tune with their needs instead of our antiquated system. Also the opportunity to earn a living in a purposeful dignified manner where they can see that a good standard of living is attainable to all, not just the privileged few.
What we need is compassionate capitalism, not labour's sham socialism and Blair's dictatorship.
*And what about the banks and financial institutions and their irresponsible action.
Let's compile a dossier of charges, pardon the pun!
- Call centres in far flung places leading to unemployment in this country.
I must say I like the Nat West advert: 'Delhi is central to India'
- Credit cards with exorbitant rates of between 20 and 30% and endless offers to get in to
nightmare debt.
- then if you fail to pay off your credit cards, you can always get a loan from the nice people
at picture a loan! I would like to rescript that advert e.g 'don't worry it's always like this here' should be replaced by 'you are the one who should be worried, since you've taken out a 25k loan and you will end up paying 42k to clear your debt'!' .Great piece of smart thinking madam!
In my next posting I will look at ways in which we the consumer can fight back and improve our financial prospects and quality of life. Don't despair, there is hope!
Aled Evans
www.letsescape.co.uk
password:escape
it could be said that you are fortunate to get on the property ladder in the first place
even if it does mean being lumbered with a lofty mortgage for the next 25 years!
Given the sharp rise in the price of property which has doubled in the last 5 years
this inevitably means that more of your hard earned money is being allocated towards servicing your mortgage, leading to a lower standard of living with less money to spend on the nice little extras in your life e.g holidays, clothes, dining out, a nice car.
Before we go any further let me state that the main objective of this site is to give you information on ways to take steps towards paying off your mortgage early and getting rid of the banks and mortgage companies that are hanging on to your back, keen to post yet another record breaking year profits at your expense!
The first step is to provide you with information which will change your way of thinking about mortgages and financial matters. The fact is that our antiquated education sysytem and corrupt government, have no desire to educate us in these matters, because ultimately the government want to keep us in the dark, so that we as good law abiding citizens, work hard at school, find a job and pay our taxes which gives the government money to waste on various things which do not concern us such as the dreadful war in Iraq.
On the other hand we are led to believe that if we need good sensible financial advice, the best place to go to is the bank. However what do they do? Well the answer is easy, they will encourage you to take out another loan, which ultimately leads to a financial nightmare!
In very much the same way the credit card companies will be throwing themselves at you offering you credit cards with criminal interest, encouraging you to get into debt head over heels. Of course should you lose your job and be unable to service your debt each month, they will hound you day and night with phone calls, insisting that you pay your monthly bill! Funny old World!
Before we consider ways to help you take care of your finances and pay off your mortgage and credit cards early, let's take a humorous look at the current financial climate in this wonderful country of ours we like to call Great Britain! Sometimes in the face of adversity given your financial challenges, it is sometimes helpful to have a good laugh before tackling the real issues in a positive manner by making the challenge fun.
* Have you ever thought that the prime minister in waiting Gordon Brown gets his dirty mits on 60 p out of each £1 we earn, one way or another e.g VAT, tax on petrol, alcohol etc
* Having worked hard all your life you can look forward to a period of poverty on your feeble pension. That is if your employer has provided you with one. Of course the government has just announced that most people will have to work untill the age of 68! Ouch, painful.
* Can you rely on free care for the elderly if you can't look after yourself? Not if as they advised you during your working life to work hard and save your hard earned money.
You will then have the pleasure of paying £500 a week for living in an old people's home!
Don't panick. Once your money runs out, they'll sell your house to finance your care!
*On the subject of tax, the next time you fill up your car with petrol, spare a thought for that miser Brown the chancellor. For each £1 you spend, he will get his grubby hands on 80p!
And then the Blair government have the nerve to complain about the rising cost of oil and Shell and BP profits.
Petrol is cheap when you take away tax. About a £1 a gallon!
* How sad it is to think that a long list of charities in the UK rely on the public to support them, when the government squanders millions of pounds in far flung places like Afghanistan and Iraq.
*In a similar manner it's ok for government ministers to criticise young people in impoverished parts of Great Britain for unsociable behaviour and drugs and alcohol abuse. In all honesty what these young people need is an education system more in tune with their needs instead of our antiquated system. Also the opportunity to earn a living in a purposeful dignified manner where they can see that a good standard of living is attainable to all, not just the privileged few.
What we need is compassionate capitalism, not labour's sham socialism and Blair's dictatorship.
*And what about the banks and financial institutions and their irresponsible action.
Let's compile a dossier of charges, pardon the pun!
- Call centres in far flung places leading to unemployment in this country.
I must say I like the Nat West advert: 'Delhi is central to India'
- Credit cards with exorbitant rates of between 20 and 30% and endless offers to get in to
nightmare debt.
- then if you fail to pay off your credit cards, you can always get a loan from the nice people
at picture a loan! I would like to rescript that advert e.g 'don't worry it's always like this here' should be replaced by 'you are the one who should be worried, since you've taken out a 25k loan and you will end up paying 42k to clear your debt'!' .Great piece of smart thinking madam!
In my next posting I will look at ways in which we the consumer can fight back and improve our financial prospects and quality of life. Don't despair, there is hope!
Aled Evans
www.letsescape.co.uk
password:escape
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