Financial Astrology & Your Success

Where do you suspect your money troubles come from your star sign? This may be true in many cases however, did you also know that you the why in which you were brought up also contributes to your money habits, such as what sun sign your guardians were to help encourage who you are today? Based on your astrological sun sign (for those well versed in Astrology your Rising sign as well) you may also want to look at the sun sign of the person who you feel has contributed towards your financial habits…take the good… and extract the bad onto your way of financial bliss!:

ARIES

(Mar 21 – April 20)

At Heart: Arians and money is a bad combination, as most live they live for the day and don’t think of the consequences. Arians are likely to have lied at some point to a loved one about their finances.

Financial Success:Arians are competitive… as friend, lover, or partner it may be best to “show them the money” or allow them to live by your example and they’ll soon learn the financial ropes that way. It’s not a good thing to dictate the numbers to these Rams if you want results. If you’re the Arian reading this…look over the shoulder of someone who knows what they’re doing!

TAURUS

(April 21 – May 21)

At Heart: Generally not as adventurous and stick with the same deals even if they aren’t the best rates. Therefore Taureans are more confident about the status of their credit rating.

Financial Success: Unless, you as a Taurean is looking to make more money, it would be best to live by the saying “If it ain’t broke, don’t fix it”. However, by not looking into competitive rates you may be doing yourself at a disadvantage by not keeping up with the best options as in some cases it’s forced some in the red. Make sure you review your accounts from time to time and be aware of new offers that businesses give in order to keep your business, as in the end you’ll become a very valued customer – thus receiving a “Star Rating”!

GEMINI

(May 22 – Jun 21)

At Heart: Good salesmanship! Excellent wheeler and dealer when it comes to finances. Could it be because they’re “other” half (the Gemini is a Twin Zodiac sign) is always helping them out? Gemini’s are always on the lookout and searching for the best deal in town. You’re not one to argue about cash.

Financial Success: Dear Gemini, you could have so much more if you were just a little more astringent about the money that did go through your hands! I know you can be generous at times but it would be helpful to your pocket if you helped others understand that you do not have an endless pot of gold!

CANCER

(Jun 22 – Jul 23)

At Heart: You look after your money as much as you have the huge ability to splurge! F.Y.I. You’re considered one of the biggest financial liars. However, for some reason you’re very believable as you always find a way to get back on top.

Financial Success: Save yourself from “you”. Open up a secure savings gaining the best interest rates that cannot be touched for at least a year. Keep multiple ways to invest your money by even investing in several small piggy banks around the house, as you’ll be less tempted to go to the bank. Your mantra is avoid ATM cards and anything to do withdrawing money. Have your automatic bill paying services already set up for you.

LEO

(Jul 24 – Aug 23)

At Heart: “King of the Jungle” that is…always expressing their good intentions…their “many” good intentions” eventually racking up the debts! The more they borrow, the more they spend as the cliché goes. However, these lions aren’t all that bad as they do end up paying for what they set out for…it just takes a while as they go through the list of all those pricey “intentions”.

Financial Success: Leo’s you should do your research, stop and think about each purchase. Don’t think too long as they deals that you come up with aren’t always around for long. Why not share your new “intentions” with that of someone you trust to help you decide on what to invest or purchase before you’re broke, as a result. You can financially successful if you’re just wise in the choices you make.

VIRGO

(Aug 24 – Sept 23)

At Heart: Considered “thee” most meticulous sign of all the Zodiac signs, so it shouldn’t surprise you they Virgos are just the same with money – accounting for every penny. Most have a very good to excellent credit rating. Sometimes, they may miss out on taking advantage on opportunities for they’re worth as they can also be very cautious – thus missing out on more money making avenues.

Financial Success: How do you make something right into better and then perfect? You keep on polishing it! Virgo, you’ve taken risks before, the opportunities are still out there. You don’t have to put all you have into an investment, there are always ways to test the waters before you get the waves going. Since you won’t make too many financial mistakes it would be good for you to study up on financial investments as you’ll meticulously choose the best options!

LIBRA

(Sept 24 – Oct 23)

At Heart: All the Libra has to see is the sign that says “ON SALE” or “BUY THREE and GET ONE FREE”. Most Libras are swayed by attractive offers and jump into deals without looking. This can put a Libra into great debt. Granted a Libra will always make sure to have some of the nicest things money can buy for the money they have left to spend of course, but there has to be a “balance” with this zodiac sign if they want even more money to spend!

Financial Success: Take your time with each purchase, with each financial investment and read things over, and over and over and over again…then come back the NEXT day and do it all over again! As a Libra it’s best to invest one at a time and within time to make sure no one has pulled a “fast one” on you, and you’ll do fine.

SCORPIO

(Oct 24 – Nov 22)

At Heart: Wanting that “doggy in the window” is never an issue for that Scorpio cause it they want it bad enough – a Scorpio gets it! This even means if they have to seek out dozens of lenders before getting the right offer. This can become a problem if a Scorpio is in a joint venture with someone else…Furthermore, a Scorpio is also inclined to choose the top of the line item which only will add more salt to the financial wound.

Financial Success: The good news is that most Scorpios over time learn from their mishaps and tend not to relive them again. As a Scorpio you’ve a keen since of quality so most of you’re investments are well worth the money. However, it would be good practise to save up for that ticket item rather than investing in increasing your debt. Remember that thing called “Saving”? Do this and you won’t be so popular with the banks on the giving side anymore not to mention saving your relationships.

SAGITTARIUS

(Nov 23 – Dec 21)

At Heart: Hmmm… we all know that there’s nothing wrong with your sense of memory, so why did you forget…rather – ignore paying that bill? Because you’re considered one of the luckiest Zodiac signs of the chart you’ve an ability to always land on your feet with many or if not all your mishaps. This should not be an excuse to take, Lady Luck for granted. Sagittarius tend to be very happy go lucky with money and investments as well, which is why they tend to loose and gain as much as day and night.

Financial Success: “Control” is your mantra! If possible set up automatic payments via your bank, save your money from your self and “then” keep on living the way you live best. Life shouldn’t be about being uncomfortable and restriction is a not good place for you so learn to have what you don’t do best managed by someone who does so you may continue with the luck that the heavens have given you! Lastly, as a Sagittarian you are very trusting so from time to time know that not all carry your luck or can be trustworthy… check up on your manager to make sure they’re keeping on top of things from time to time.

CAPRICORN

(Dec 22 – Jan 20)

At Heart: You manage your financial accounts very well my dear Capricorn! You even look for the best deals…Most are proud of their credit rating and even have money saved for “Rainy Day”…and even a “Sunny Day”! So how can one almost so close to perfection need any type of advice? Oh yeah that’s right… live on a planet where there are so many others that we must interact with that DO NOT manage their money well thereby somehow trickling into the demise of your account handling!

Financial Success: Keep on doing what you’re doing by keeping your accounts tidy, secure and safe. Look into investing a little more than you’re accustomed to add revenue – which you’re so good at. Finally, learn that as “things happen” others will see your pot of gold and will naturally want some of it. Establish your limits and keep your mouth shut about what you have in the bank and I can assure you that it won’t decrease. You may at one point in your life be taken advantage with financially by those closest to you – (perhaps more than once)… so be on the look out and you’ll be fine. Why not show them how to manage their money so they never come back asking for yours!

AQUARIUS

(Jan 21 – Feb 19)

At Heart: One would say that there’s always a rumble in your financial department. There’s times you’re rolling in cash and then times you’re in the red – big time! Why is this? Uhhhh…. if you take the time to reflect on the past events causing this each time, you’ll see the answer right in the mirror! Since you can’t run away from yourself it’s not your surroundings, your family and friends to blame….it’s just you. This is not to say you are incapable of making money nor saving. It’s only to say that you’ve got to be careful with money more than most.

Financial Success: Take your time and think before spending. Can you really afford it? Do you really need it? Is it really worth the money? How much do you really know about what you want to purchase? Is it to appease everyone else? Be totally brutal in your decision making process when it comes to money and you’ll be on top. You do however, know how to spot a gem when you see it. Just make sure you can afford it first, moreover, you’ll be able to afford it if you don’t purchase other ticket items frivolously in the first place.

PISCES

(Feb 20 – March 20)

At Heart: Money issues are at the bottom of your agenda therefore it may appear that you let a lot of things slide. Be careful about this in regards to partnerships as the other half may think that you do not care resulting in misunderstandings. You enjoy action and tend not to be into the detail of that action therefore it’s only likely that it would appear that you let your financial matters slide.

Financial Success: Since it’s very likely that your money matters will involve a partner, why not have your partner or a financial advisor take care of your money matters and you handle the other details that the money is paying for? You a normally very good within your chosen trade so who wants to be bothered with that which isn’t your expertise – learn to give that to the financial experts and you’ll be much happier.

What Do You Know About Businesses

Four Tips on Choosing a Personal Injury Lawyer You should hire a personal injury attorney to help you when you get injured in an accident that is not your fault. The attorneys understand personal injury law and can help you get compensation for your injuries or losses. Experienced attorneys can handle slip-and-fall injuries, accident cases and machinery injuries. It’s in your best interest to hire a competent lawyer to help you as soon as you have been injured. There are different attorneys you can approach to help you with the injury case. However, you should find out whether the attorney can help you get a reasonable compensation for your injuries. Below are some things you should consider when looking for a personal injury lawyer: i) Where the attorney is specialized Consider the specialization of the lawyer. Some of the areas that the lawyer may be specialized in include financial fraud, child custody cases, criminal cases and so on. None of these attorneys will be a good hire since they are specialized in different areas. Look for a lawyer that has specialized in personal injury law. The lawyer will know the options you have regarding your case and what the likely outcome can be.
Overwhelmed by the Complexity of Services? This May Help
ii) How experienced the lawyer is Make sure any attorney you want to work with has handled personal injury cases in the past. Your best option would be to hire an attorney that has worked for a number of years and has a proven track record of helping clients win compensation. Find an attorney that is known to be good at the job. Also, ensure the lawyer usually works with personal injury victims rather than the parties responsible. The lawyer should also have handle more cases of personal injury victims rather than those of the defending parties.
The Best Advice About Services I’ve Ever Written
iii) How much will the attorney charge you? Find out how much the lawyer will charge you for the services. Before the attorney agrees to offer you compensation, he/she should advise you on all your options. Should you decide to work with the lawyer, he/she can provide the legal services without asking for upfront payment. The only time you will have to pay the lawyer is when your compensation has been approved and disbursed. This is known as contingency arrangement. iv) Referrals from past clients Find out which clients the attorney has worked with in the past. You can then contact these clients and ask about their experience with the lawyer. Most people who were happy with the work that the attorney did will happily recommend him/her. If you wish to be compensated fairly for the injuries you sustained at work or any place, you need to find a good attorney. You can find the right personal injury lawyer to hire by following the four tips above.

Increase Your Financial IQ

Robert Kiyosaki, author of this text entitled Increase Your Financial IQ is an investor, entrepreneur and educator whose perspectives on money and investing align with conventional wisdom. Kiyosaki has challenged and changed the way many people around the world think about money.

Born and raised in Hawaii, this financial expert is a fourth-generation Japanese-American. After graduating from college in New York, Kiyosaki joined the Marine Corps and served in Vietnam as an officer and helicopter gunship pilot.

On the question of whether money makes one rich, this author says it is not so. He explains that money alone does not make one rich, adding that we all know people who go to work every day, work for money, make more money, but fail to become richer.

This financial expert asserts that ironically, many only grow deeper in debt with the money they earn. Kiyosaki says we have all heard stories of lottery winners, instant millionaires, who are instantly poor again. He adds that again, we have heard stories of real estate going into foreclosure, and instead of making homeowners richer, more financially secure, real estate drives homeowners out of their homes and into the poorhouse.

Kiyosaki says many of us know of individuals who have lost money investing in the stock market. He educates that even investing in gold, the world’s only real money, can cost investors money.

According to him, this text is not a get-rich one or a text about some financial magic formula. Rather, he says it is about increasing your financial intelligence, your financial IQ. It is about getting richer by getting smarter and the five basic forms of financial intelligence required to grow richer, regardless of what the economy, stocks, or real estate markets are doing, reveals this author.

Structurally, this text is segmented into ten chapters. Chapter one is interrogatively entitled What is financial intelligence? In this author’s words here, “Money alone does not solve your money problems. That is why giving poor people money does not solve their money problems. In many cases, it only prolongs the problem and creates more poor people.”

Kiyosaki educates that hardwork also does not solve money problems, stressing that the world is filled with hardworking people who earn money, yet grow deeper in debt, needing to work even harder for more money.

He says education does not solve money problems, adding that the world is filled with highly educated poor people.

According to Kiyosaki, it is only financial intelligence that solves all money problems. In his words, “In simple words, financial intelligence is that part of our total intelligence we use to solve financial problems… Financial intelligence solves these and other money problems. Unfortunately, if our financial intelligence is not developed enough to solve our problems, the problems persist… Many times they get worse, causing even more money problems. For example, there are millions of people who do not have enough money set aside for retirement. If they fail to solve that problem, the problem will get worse, as they grow older and require more money for medical care.”

This author reiterates that whether or not you like it, money does not affect lifestyle and quality of life, adding that the freedom of choice that money offers can mean the difference between hitchhiking or taking bus or travelling by a private jet.

Chapter two is based on the subject matter of the five financial intelligence quotients (IQs). Kiyosaki educates that the five basic financial IQs are: Making more money (Financial IQ No 1); protecting your money (Financial IQ No2); budgeting your money (Financial IQ No3); leveraging your money (Financial IQ No4) and improving your financial information (Financial IQ No5).

As regards difference between financial intelligence and financial IQ, he says, “Most of us know that a person with a mental IQ of 130 is supposedly smarter than a person with an IQ of 95. The same parallels can be drawn with financial IQ. You can be the equivalent of a moron when it comes to financial intelligence… Financial intelligence is that part of our mental intelligence we use to solve our financial problems. Financial IQ is the measurement of that intelligence. It is how we quantify our financial intelligence. For example, if I earn $100,000 and pay 20 per cent in taxes, I have a higher financial IQ than someone who earns $100,000 and pays 50 per cent.”

Kiyosaki explains that in this example, the person who earns a net of $80,000 after taxes has a higher financial IQ than the person who earns a net of $50,000 after taxes. Both have financial intelligence, but the one that keeps more money has a higher financial IQ, educates this expert.

In chapters three to seven, the five financial IQs already discussed in chapter two, are elaborately examined respectively.

Chapter eight is christened The integrity of money. According to Kiyosaki here, “‘Integrity’ is an interesting word. I have heard it used in many different ways and in different contexts. I believe it is one of the more misused, confused, and abused words in the English language. Many times I have heard someone say, ‘He has no integrity’, or ‘If they had any integrity, they would be more successful’. Someone else might say, ‘That house has integrity of design’.”

This author says before discussing the integrity of money, it is necessary to define Integrity. Kiyosaki says “Integrity”, according to Webster, can be defined as “Soundness” (an unimpaired condition); “Incorruptibility” (firm adherence to a code of especially moral or artistic values) and “Completeness” (the quality or state of being complete or undivided).

This expert educates that just as health can break down from a literal lack of integrity, so can wealth be compromised by lack of integrity. “Instead of disease or death, which comes from a breakdown in the body’s integrity, symptoms of a lack of financial integrity are low income, crippling taxes, high expenses, excessive debt, bankruptcy, foreclosure, increased crime, violence, sadness, and despair,” expatiates this author.

He says the integrity of all the five financial IQs is needed to grow rich, stay rich and pass wealth on to generations after you. Kiyosaki asserts that missing one or more of the financial IQs is like someone who does not know how to drive attempting to drive a car that has brakes without pads, and water in the gas line.

In this author’s words, “When a person is struggling financially, one or more of these financial intelligences is out of whack, financial integrity is not sound, and the person is not complete. For example, I have a friend who earns a lot of money as a manager of a small business. Her problem is she has no protection against taxes, plus she does not budget wells, spends impulsively to buy clothes and goes up in price. She gets her financial advice from her husband and his (the husband’s) financial planner.”

In chapters nine and ten, this author beams his intellectual searchlight on the concepts of developing your financial genius and developing your financial IQ.

As regards style, this text is a prototype for stylistic excellence. For instance, most of the illustrations are based on the financial experiences of the author himself, thus lending credibility and conviction to the text. The language is simple and the presentation very didactic. Kiyosaki generously employs graphical embroidery to achieve visual reinforcement of readers’ understanding and make the layout of the text eye-friendly.

However, conceptual repetition is noticed in chapters three to seven where the five financial IQs already discussed in chapter two are further examined. One would have expected him to have harmonised chapters two to seven. Probably, Kiyosaki wants to create emphasis through deliberate repetition.

Also, the word “Intelligence” whose grammatical behaviour in the dictionary shows that it is an uncountable noun as reflected by the symbol “U” against it, is still used in this text in a countable way on pages 150 and 151 where we have “Intelligences”.

In spite of the few errors, this text is fantastic. It is a must-read for those who want to accomplish financial freedom and abundance through concrete financial education.

Personal Financial Plan – What It Is and Why Is It Important for Achieving Financial Goals

A financial plan is not about getting rich, and you don’t have to be rich to have one. It’s about doing more with what you have.

A financial plan is the road map for your financial life. It covers major financial areas of your life addressing aspects such as cash flow, savings, debt management, risk management, children’s education planning, taxes, retirement, estate planning, and of course, investments and a strategy for managing them. It is more than a guide. It is a written strategy that gives you a clear, pragmatic path to follow towards the accomplishment of your most important financial goals.

Having a financial plan is like having a travel plan – it identifies where you’re going, how and when you’ll get there, how much will it cost, and things to do along the way. A personal financial plan looks at where you are today and where you want to go. Then it sets out all the steps you need to take to get there. Everyone who is earning should draw up a financial plan. The plan will help you get the most from your money and help you in achieving your financial goals in life.

Some people naturally resist the process of creating a Financial Plan. Initially, it seems overwhelming and/or just too much of trouble. However, the potentially devastating consequences of not having it are far greater than the initial discomfort that you experience of the process. For most people we have worked with, the hardest part is just making the decision to get started. Once the process has begun, most clients find it engaging and interesting.

Do you need financial plan?

Yes – if you have an income, a family or planning to have one in the future, retirement dreams, and for many other financial reasons / goals that are unique to you. No one can predict the future but one can certainly be better prepared for it. An effective financial plan will make sure that you are financially prepared to deal with the unexpected events and stormy times. If you don’t have one, you’re more likely to end up in a financial mess. On the contrary, if you have one and the recommendations thereon have been executed, most of your financial goals will be satisfactorily met. A good financial plan can alert you to changes that must be made to make sure a smooth transition through life’s financial phases, such as decreasing spending or changing asset allocation.

By developing a financial plan you and your family:

  • Will have a better understanding of your current financial position.
  • Determine attainable retirement, education, insurance, and other financial goals.
  • Review goals, funding strategies, and alternatives to balance all goals.
  • Have the necessary financial resources set aside to fund your goals as they occur.
  • Reduce the effects of unexpected events such as disability, premature death etc.

You need not be very rich to have a financial plan. No matter how much you earn and at what age, a plan is important to make your life easier. As your financial situation influences almost every aspect of your life, a regular financial plan can help give you peace of mind and protect you from unforeseen, unfavorable situations. Once you have a working personal financial plan, you can use it to make informed financial choices. Having a good financial plan will allow you an over view of what you can afford. It will allow you to analyze your wants versus your needs. It also provides you a way to see how to avoid major financial mistakes in the future.

Risks of not having a financial plan:

  • You may be able to achieve what you want today but might not be able to achieve what you need few years down the line. Say, if you buy a new car now, you might not have enough funds later to buy your dream home.
  • You may not see the big picture. Say, you may grow your wealth by making good investment choices but end up being tax inefficient and pay more taxes than you need to.
  • You may take a short-term view of an opportunity and make rushed financial decisions, or fall into some scam trap. Worst of all, you may end up doing nothing (and just thinking of doing something) and never achieve your financial goals.
  • You might become a victim of mis-selling and build a corpus of investment products that neither suits your financial needs nor your risk profile.
  • You are very much likely to worry more about money and financial security. You may not know where you are today and where are you heading for.

Tips for Effective Financial Plan

  • Be realistic with your investment returns; don’t plan to outperform the markets.
  • Account for market risk and don’t assume the same return to repeat every year.
  • Don’t forget to plan for inflation, taxes and your financial planner’s fees.
  • Review your financial plan regularly to see if you are on track or need any changes in the plan.

The need for financial plan is all the more very important in the turbulent economic times of today. If you don’t have one till now, don’t delay any more and Get it Now. Don’t be self-satisfied that you will be okay whatever happens. Face the reality. Unless you develop a financial plan early, it will be too late.