The 4 Golden Rules of Money

From Money with Flo


Here’s a startling fact:  As soon as people’s income goes up, so do their spending.
This is the #1 mistake most people make when they make money (and lots of it).
Instead of putting some of their additional funds towards savings/planning for their retirement/ reducing their debt, most people end up buying more stuff, which in turn increases their debt level.  So even though they’re now making a good income, they’re not enjoying a fabulous life.
So how can you completely avoid this situation and keep more of your well-earned cash?






Follow the 4 Golden Rules of Money:

1. Spend Less (only buy what you can afford)
2. Save More (pay yourself first)
3. Invest Wisely (get money smart + work with a financial advisor)
4. Give Generously (use your money to make a difference)

When you apply the 4 Golden Rules, you are appreciating money. It’s really good to follow these rules starting now, regardless of your income level. By implementing them in your daily life, you will develop positive money patterns. As a result, you will
a)     Make more money more quickly
b)    Be better prepared to deal with your new income level.
And when you’ll be making money and lots of it, you’ll also get to enjoy a fabulous life!
I would love to hear from YOU! Of these 4 Rules which one will you implement in your life? Please share + post your comments here.

EIFLEA Award

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2013 EIFLE Awards Nomination Deadline January 31, 2013 Awards Presentation April 3, 2013 Hilton Orlando Lake Buena Vista | Orlando  2013 Annual Conference on Financial Education   April 3-5, 2013 The Annual Conference on Financial Education promotes the effective delivery of consumer financial products, services and education by hosting a national event for professionals providing these services. Register Today!  Attendee Registration  Exhibitor Registration  Sponsorship Registration Hotel Reservations Follow us on Twitter, Facebook and LinkedIn: For more information,  visit us online or   call (207) 221-3663. Honor Excellence. Inspire Achievement. Do you know of an educator who goes above & beyond to help students understand and practice sound money management concepts? Is there an organization working to make effective financial education ubiquitous in your community? Have you read a book, for either children or adults, that made financial literacy concepts accessible and actionable? Have you participated in an education program, for either children or adults, which you feel deserves special recognition? Do you know of a game that makes financial literacy fun and educational? Have you read a research paper that shed new light on financial literacy education? Nominate that educator, organization, book, education program, game or research paper for an EIFLE Award!   Each year, the Institute for Financial Literacy presents the Excellence In Financial Literacy Education (EIFLE) Awards to individuals and organizations that have shown exceptional innovation, dedication and commitment to the field of financial literacy education. The work of these authors, educators, organizations and researchers inspires others to strive toward excellence as well, increasing the availability and effectiveness of financial literacy education in communities across the country.   The deadline to submit nominations is January 31, 2013. Nomination guidelines and forms can be found at EIFLEawards.org or by calling (207) 221-3663.

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ROMANCE SCAMS! WARNING FROM THE FBI

Intelligence Note

 Prepared by the Internet Crime
Complaint Center (IC3)


April 29, 2011

 


The Dangerous Side of Online Romance Scams



 The IC3 is warning the public to be wary of romance scams
in which scammers target individuals who search for companionship or romance online.
Someone you know may be "dating" someone online who may appear to be decent and
honest. However, be forewarned: the online contact could be a criminal
sitting in a cyber café with a well-rehearsed script that scammers have used
repeatedly and successfully. Scammers search chat rooms, dating sites, and social
networking sites looking for victims. The principal group of victims is over 40
years old and divorced, widowed, elderly, or disabled, but all demographics are
at risk.



Scammers use poetry, flowers, and other gifts to reel in victims, the entire time
declaring their "undying love." These criminals also use stories of severe life
circumstances, tragedies, deaths in the family, injuries to themselves, or other
hardships to keep their victims concerned and involved in their schemes. Scammers
also ask victims to send money to help overcome a financial situation they claim
to be experiencing. These are all lies intended to take money from unsuspecting
victims.



In another scheme, scammers ask victims to receive funds in the form of a cashier's
check, money order, or wire transfer, claiming they are out of the country and unable
to cash the instruments or receive the funds directly. The scammers ask victims
to redirect the funds to them or to an associate to whom they purportedly owe money.
In a similar scheme, scammers ask victims to reship packages instead of redirecting
funds. In these examples, victims risk losing money and may incur other expenses,
such as bank fees and penalties, and in some instances face prosecution.



Victims who have agreed to meet in person with an online love interest have been
reported missing, or injured, or in one instance, deceased. IC3 complainants most
often report the countries of Nigeria, Ghana, England, and Canada as the location
of the scammers. If you are planning to meet someone in person that you have met
online, the IC3 recommends using caution, especially if you plan to travel to a
foreign country, and, at the very least:


    *  Do not travel alone.
    *  Read all travel advisories associated with the countries you will visit. Travel
      advisories are available at http://travel.state.gov/.
    *  Contact the United States Embassy in the country you plan to visit.
      




Even though it seems to be contrary to the thought of starting a new romance, do
not be afraid to check a new acquaintance's story online. Remember, like most fraudulent
schemes, scammers use whatever personal information you provide to quickly paint
themselves as your perfect match. If your new friend’s story is repeated through
numerous complaints and articles on the Internet, it is time to apply common sense
over your feelings. To obtain more information on romance scams and other types
of online schemes, visit www.LooksTooGoodToBeTrue.com.
Anyone who believes they have been a victim of this type of scam should promptly
report it to the IC3's website at www.IC3.gov.

UPDATE!
The local news covered this story as well. See the link below.

WOWT News Video

May Seminar! How to rebuild your credit!

Getting Beyond the Bumps in the Road...Rebuilding Credit

Join Credit Advisors Foundation as we examine ways to improve and rebuild credit that has been damaged.  We will discuss what is included in a credit file, how information is gathered and reported, the purposes for which the information can be used, your rights and simple self-managed file improvement techniques. No one can remove information that is true and correct.  But there is no reason you cannot present yourself in the best light possible while taking steps to build a better credit future. Register to attend in person by clicking a date below: Fri, May 11, 2012, 11:00am at 1850 South 72nd Street, Conference Room Fri, May 11, 2012 2:00pm at 1850 South 72nd Street, Conference Room Tue, May15, 2012 7:00 pm at 1850 South 72nd Street, Conference Room Register for a Webinar session now by clicking a date below: Fri, May 11, 2012 11:00 AM - 12:15 PM CDT Fri, May 11, 2012 2:00 PM - 3:15 PM CDT Tue, May 15, 2012 7:00 PM - 8:15 PM CDT Once registered you will receive an email confirming your registration with information you need to join the Webinar. System Requirements PC-based attendees Required: Windows® 7, Vista, XP or 2003 Server Macintosh®-based attendees Required: Mac OS® X 10.5 or newer

Play it "safe" and keep your tax refund this year.

Play it "safe" and keep your tax refund this year.

Or maybe you are waiting on your tax return to pay off some of your debts? Come to us first, we can help! Use a debt management program for a low monthly repayment of your debts and put your tax return money in a SAFE place. Call Credit Advisors and talk to one of our certified counselors, we may have the answer you need. No salesmen, no obligation, just advice and guidance in the right direction. Call us at 1.800.942.9027.
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