Tuesday, May 20, 2008

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How to thrive in a barren market

Thu, 15 May 2008 12:31:02 EDT
Some pundits insist that we're not in a bear market, since stocks have yet to lose at least 20% of their value. But they're missing the point. Investing in equities in the past decade has been akin to being marooned on a desert island.






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Monday, March 03, 2008



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What is Balance?

Mon, 03 Dec 2007 17:26:39 GMT
During a recent Wealth Mentor Training with a group of financial advisors we were discussing our definitions of a “Quality Life”. A number of advisors made a very key observation: Is there such a concept as a balanced life? Can a person really have balance? This discussion really hit a chord with me as this point really gets to the core of what the Financial DNA program is all about.

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Thursday, January 31, 2008

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Thu, 17 Aug 2006 01:59:49 GMT
NEWS FLASH: Your financial future may depend as much on your personality as it does on your portfolio! That's the story behind Financial DNA - a new approach to personal finance and financial planning.

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Free Useful Roadmap About Bankruptcy Equity Home Loan







These days, an increasing number of people face bankruptcy, so it's important to understand the facts about bankruptcy. Getting the facts about bankruptcy down will help you gain a better understanding about what will occur when you claim bankruptcy. It is good to understand that the number one fact you will learn is that declaring bankruptcy is not the end of it all.



Bankruptcy actually helps, because it allows you to suspend all the different debt collections that are being carried out as a result of all the debts you have somehow accrued over the years. If you file for bankruptcy, then the court will grant an automatic stay order. As the name suggests, the stay order puts a hold on the actions of the collection agencies, stopping them from collecting debts while the court examines the intricacies of your finances. Bankruptcy facts reveal that, during your bankruptcy period, creditors are not allowed to collect money from you.


Creditors need to talk to your attorney if they want to learn any information about your debt payment. Your creditors, however, may petition for relief of the stay order, and the court could grant that relief. Assuming the court grants a relief order, the creditors now have the right to collect any secured debts you have written over to them. The creditors have no other way to collect property, assets, or money from you.



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Given facts like this about bankruptcy, you are going to be alert and watchful before you assign to credit companies your property as security. You should know about another bankruptcy fact. Further payments of debt are discharged once you pay off your bankruptcy payments, according to this additional fact. This is the time when former creditors no longer have a claim to you, and they are barred from forcing you to pay off your former debts.



While they cannot force you to pay those former debts, the creditors do have the right to collect on new debts if you develop credit troubles with them again. Learning more facts and advice about bankruptcy will show you that, if you have assets that can be converted into money, those assets usually have to be turned over to a bankruptcy trustee. This person, who is appointed by the court, monitors you debt payment plan to make sure it is appropriate. Your disposable assets will be spread among your creditors after they are liquidated.



This is still another method of dealing with your bankruptcy charges. To avoid getting into trouble with all of the people to whom you owe money, numerous other bankruptcy facts can help you. Talking to your attorney will supply you with the help you are after.



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Paying for purchases with a credit card can often result in the overuse of card. The person won't find himself in a mess if he has money to pay the credit card. Sometimes the individual has to declare credit card bankruptcy. The bank issuing the credit card can challenge this bankruptcy claim if they believe you lied to obtain it. Believing you have illegally utilized your credit, you may still be liable for your debt to the issuing agency.
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Wednesday, November 07, 2007

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Financial DNA White Paper - Accelerate Your Trust for Great Relationships

Sun, 13 Aug 2006 23:36:51 GMT
This podcast will address how building trust in your self is foundational to the quality of your relationships and your overall life, and then five key trust building steps that you can adopt.

Helpful Guideline About Attorney Bankruptcy







These days, an increasing number of people face bankruptcy, so it's important to understand the facts about bankruptcy. There is a process that occurs when you claim to be bankrupt, and having these facts will help you comprehend that process. It is good to understand that the number one fact you will learn is that declaring bankruptcy is not the end of it all.



Putting the debt process on hold is something bankruptcy allows, thus giving you a break from the debt collections you face from all of the debt you have managed to collect over the years. After you file for bankruptcy the court grants what is called an automatic "stay" order. Now that the stay order has been issued, it stops the various collection agencies from collecting the debts you may owe, while the court looks into the complications surrounding your finances. The facts of bankruptcy show that creditors must not collect money from you while you are in the period of bankruptcy.


These people need to talk with your lawyer if they want to find out anything about your debt payments. These people may decide to petition in court for a relief from the stay order, and the court may grant it. Should you have written any secured debts over to these individuals, they will have the ability to collect these debts if the court has granted a relief order. But the relief order is the only tool that creditors have if they want to collect your assets, property, or money.



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As someone who has information like this about bankruptcy, you are going to be much more cautious before assigning your property to credit companies as security. When it comes to bankruptcy facts, here is another useful one. The fact is this: pay off all your bankruptcy payments, and after that, you will be discharged from any other debt payments. Your former creditors can no longer force you to pay off debts to them because they no longer have a claim on you at this point.



The creditors have the right to seek compensation for new debts that you may have accrued if you have gotten into credit difficulties with them again, however. Most of the time, if your assets can be turned into cash, they must be turned over to a bankruptcy trustee, as you will learn as you delve into the facts and advice about bankruptcy. This trustee, appointed by the court, oversees things to make sure you are paying off your debts reasonably. Your disposable assets will be liquidated, and after that they will be dealt out between your creditors.



Your bankruptcy charges can be retired this way as well. When you are in debt, a way of avoiding trouble with the people to whom you owe money is staying informed, and there are many other bankruptcy facts to help you do so. Just talk to your attorney for the help you need.



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Thursday, October 11, 2007

Free Related Fact About Bankruptcy Law Firm







Putting expenditures on a credit card often results in large credit card balances. Being able to pay off the balance will prevent problems. Having to liquidate the credit card is often the result.



When you file for credit card bankruptcy, the bank can challenge your claim if the feel you gave them false information. Refusal to allow you to be released from your obligation can occur if the issuing credit card agency thinks you used it fraudulently. In the event of a contestment, this money remains payable. The individual will face charges of fraud at the hearing to determine if the credit card balance is non-dischargeable.



An issuing bank can easily say you got your credit card by falsely stating your intention to pay for your purchases. One of several different reasons can be stated as reason to dispute your bankruptcy case. The points, among others, will include the fact that you recently received your credit and also will point out any increased usage immediately preceding the bankruptcy filing. An individual has provided yet another reason if he filed for credit card bankruptcy shortly after asking for a large cash advance.



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The impression given by these actions gives the court solid ground to accept the creditors accusations of fraud. If you plan to file for bankruptcy, set your credit card aside and wait six months before filing. The less you have used your card; the better your chances are of proving you are having financial troubles. Talking with a lawyer about your situation before taking any bankruptcy action is a smart idea.



Having a talk with your lawyer about your financial problems may reveal better options for you. You will be labeled as having bad credit in your public record once you have filed for credit card bankruptcy. Proving your willingness to take on and pay higher credit rates to many businesses will be a result. In order to get control of your financial situation, you may have to contemplate this difficult course of action.



Negotiations between your lawyer and the credit card over how you will repay them can now take place since you have proven your financial situation.



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Building Credit After Bankruptcy

Credit card issuing agencies may find numerous reasons to challenge your claim. The bank can use such activities as recent increased spending and a new credit card among their arguments. If you received some large cash advances and then filed for bankruptcy, that might be used as a reason. Proof of your intention to defraud your creditors will be established by all these actions. Waiting for six months between the time you last use your credit card and when you file for credit card bankruptcy is best.
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Raising Your Consciousness

Mon, 28 May 2007 00:30:58 GMT
I am often asked by advisors "Do I really need to do a profile? I already know my clients". Then some clients (i.e. investors) may say "but I already know myself" or "over time I have seen these behaviors come out".

However, whether you are an advisor or client, this begs the questions ... "How conscious are you of the people you have relationships with? Are you really noticing when there is connection or when expectations are not being met?"

I often ask advisors, "Are you sleep walking through the advisory process?", meaning you may know your process well, you have all the steps and procedures and you have learned to follow your intuition with clients. However, are you really picking up all there is to know about the client?


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