Your Mind And How It Works For And Against You Creating Wealth

By Christina Helwig

Your mind has two parts: the Conscious Mind and the Subconscious Mind. Together these two parts control all of your actions and ultimately the results you have in your life. As we explore each area of your mind, understand that while these ideas may seem simple and elementary, they have a wide reaching and profound affect on your life. They control every aspect of what makes you who you are and will continue to control everything in your life until the day you die.

The Conscious Mind is where your brain does all your day to day automatic thinking. This is where you make choices and where you primarily function in normal life. When you hold a conversation or watch a movie you are using your conscious mind. Both the conscious mind and the subconscious mind think in images. If you think about your family pet a picture of the pet will flash on the screen of your conscious mind.

You also can only hold one picture on the screen of your mind at any one time. For example you cannot think of a banana and a watermelon in detail at the same moment. While you might be able to project them side by side you are not able to see the grain in the skin of the watermelon or the yellow in the peel off the banana at the same moment. You would ahve to blend the two together.

This ultimately means that you cannot think of a negative idea and a positive idea at the same time. While your mind might be able to flip back and forth between negative and positive ideas or images very rapidly, it is not able to hold those two images at the same time.

Most people would think that the Conscious Mind controls the Subconscious Mind, but this is not so. The Subconscious Mind is the real mover and shaker in our lives. The Subconscious Mind stores all our beliefs about who we are, what we are capable of, what we are not capable of and every other detail we believe to be true about the world. We can refer to the Subconscious Mind as the emotional mind.

The subconscious mind operates in the background of your life and while you sleep. Dreams are a product of your subconscious mind. You can think of the subconscious mind as a computer program running without your help at all times. An example of this would be when you have suddenly realized that you have not been paying attention while driving and you are almost home from work.

The entire drive to and from work is a program that you have put into your subconscious mind through repetition. Your driving is almost automatic and takes very little effort on your part. In fact without consciously thinking about going to the mall when driving that pathway you will drive straight home. Your programming will take over and you will "forget" to go to the mall unless you hold the picture of the store at the forefront of your mind when driving home.

To convert the things you want in your life to reality you must understand how to use both your conscious and sub-conscious mind. This includes increasing your income. By continually thinking about the good things you want and visualizing the image of your dreams you will impress them on your subconscious mind. Over time your actions will change and you will start to move the things you want into your reality. Including more wealth and a better lie for you and your family.

About the Author:

If you can set aside a few minutes each day to work on and learn about how you can reach your goals you can make big leaps towards increasing your income and changing your life. Christina Helwig is an attorney and VP of Wealth Expressions, Inc. She focuses on helping people learn more about changing their thinking to upgrade all aspects of their lives.

Baby Phat Rush Card - Review

By Dan Moskel

The Rush card also known as the baby phat rush card is a prepaid debit card. It was created by Russell Simmons a co founder of the hip-hop record label Def Jam.

This is how the rush card works; you deposit money into your card/account, then you use your card to make purchases, money is taken out of your account to pay for those purchases. This card does offer guaranteed approval.

There is no chex systems check or a credit check. The rush card comes as a black card and the baby phat rush card is a pink card.

This card does give you free direct deposit. To use this you will only have to fill out a form and turn it into your employers' payroll department.

Then you checks will be deposited into your rush card. You will still get a breakdown on your hours and how much the deposit was.

With this card you receive free online account access. You can also access your cash at over 800,000 ATM's.

You can make purchases using your rush card online and over the phone. You can also use your account and write physical paper checks.

To do this you simply go online and fill in the payees details. This includes address, name, and amount of payment.

Then press send a real physical check will be sent to the business or person. This can save you money by not having to buy money orders again.

Using this service and direct deposit you can save a lot of money because you will no longer have to pay for money orders or check cashing fees again.

However, we do not recommend the baby phat rush card. This is because they have many fees that other prepaid cards do not have.

For example the rush card charges you a convenience fee. A convenience fee is simply a fee for using your card.

You will be charged $1.00 with a maximum charge of $10.00 a month. However during a month you will be charged $1.00 for every transaction you make using your card.

Only at the end of a full calendar month will the extra convenience fees be refunded to you.

That can end up being a full 2 months before you are refunded. This is unbelievable especially because many of us use are card more than ten times in a month.

I don't know how they get away with charging these fees it seems unfathomable. In addition making their card holders wait so long before being reimbursed.

To enroll in bill pay the rush card will charge you $2.00 and then another $1.00 for every check you write from your account. There are other prepaid cards where this service is free.

The rush card says there are no hidden fees with their card. Yet you get charged every time you use your card. The rush card carries the most fees of any prepaid card we have reviewed.

In sum, look at some other prepaid cards. They have fewer fees and better benefits for being a card holder.

About the Author:

Instead we suggest the account now visa they offer free activation, free direct deposit, free credit builder & free bill pay. However if you still want a rush card then visit baby phat rush card.

What to Do if You're In Over Your Head In Debt

By William Blake

Some people find themselves with way to much credit card debt and not enough income to bring the balances down. What can be done? Here are some suggestions.

* Start bringing in more money. You might need to get a second job, or search for a better paying one. There are also some ways you can make extra money from home, such as babysitting or doing direct sales. If it comes to this, putting as much of the additional funds as possible toward paying down your debt will help you get it down to a manageable level quickly.

*When you show a willingness to pay many creditors are ready to work with you. Call your credit card companies and see if they will negotiate a lower monthly payment or bring down your interest a bit. You could even try to negotiate a reduction in your overall balance, however you may find this difficult to accomplish without legal representation.

*Debt consolidation can make debt more manageable. If you are a homeowner consider a home equity loan to turn your multiple payments into one payment with lower interest. Remember, though, that this is a serious decision to be thought out carefully because this loan will be secured by your home.

Also don't get too excited about that low interest rate for your debt consolidation. Remember this loan will have a longer term so you may end up paying more interest in the long run. Try paying more than the required amount to pay it out as quickly as possible.

If you do not want to put your home at risk you might try applying for a new credit card with a high limit and low rate. Then you can transfer the balances of your cards to this one card and reduce your monthly expenditures.

If you choose either of these methods, don't fall into the trap of using your cards again. That would defeat the purpose of consolidating and get you in even more trouble.

*As a last resort Bankruptcy is an option. If you file Chapter 7 you will be completely debt free. However, you may have to sacrifice some of your belongings. If you file Chapter 13 you will have a payment plan structured by the courts to pay your debts off. Either way this will forever show on your public record and you will have a blemish on your credit report for the next 7 years. That is why this should be your last resort.

About the Author:

Are debt consolidation non profit services the best way to consolidate your debt? Not always. Find out why on the Inside Debt Consolidation website at http://www.insidedebtconsolidation.com

APR - black art or consumer protector?

By Jo Smart

APR stands for Annual Percentage Rate of charge. The APR of a credit card determines how much you have to pay each month. Put simply, the APR of a credit card is the monthly interest charge multiplied by twelve months. A simple example of this would be a credit card with an APR of 10.2%. Divided by 12, this would mean that the interest would be 0.85% of your outstanding balance that month. Therefore, monthly interest on a balance of 1000 with 10.2% APR would equal 8.50. The total amount of interest you pay over the year will depend on your outstanding balance and how much you pay off each month. It means that when choosing a credit card, you can use its APR to compare with different cards, but the annual amount of interest you will pay depends on your monthly repayments and balance.

APR can be used to compare different credit and loan offers and includes such important factors as: The interest rate you have to pay, how you repay the loan, the length of the loan agreement, frequency and timing of instalment payments and amount of each payment, fees associated with the loan, premiums for payment protection insurance that the lender may choose to make compulsory All lenders have to tell you what their APR is before you sign any agreement, and as the APR has a direct bearing on the cost of your credit card loan, it pays to shop around before you decide on one particular card. There are plenty of very good offers available, if you're prepared to do your homework.

Once an attractive APR has caught your attention, the questions don't stop there. First and foremost - is the APR fixed or variable? If the rate is variable, what may seem like an attractive offer could have a price once the 0% honeymoon period is over. Market forces (such as the Bank of England's base rate) heavily influence a variable rate and these forces can change dramatically. The consequences could be that you go from zero to hero-sized interest payments very quickly, pushing the cost of the credit card loan up considerably. If you're lucky the payments could go down. This random variable is what card companies are trying to avoid, so even flexible APR rates don't change that much. You'll only really feel the impact at the end of a 0% offer. With a fixed rate your interest charges stay the same regardless of market fluctuations.

The second question should be to ask for more detail about any additional charges that are not included in the APR. This brings us into payment protection insurance territory. With some cards, this service is an optional extra, but others insist on its inclusion. It can act as a safeguard should your circumstances change, but if it's something you're willing to forgo then look for cards that offer it as an option, rather than as a non-negotiable inclusion. This is a good time to also ask yourself if you could afford the maximum monthly repayment charges without stretching yourself financially to the limit. If the credit card loan is spread out over a longer period of time, the payments may be lower, but the calculated cost of the overall loan may be higher, as you are paying interest for longer.

Finance and credit lending are considered by many to be a 'dark art', and APR calculation is no exception. Financial regulatory bodies and the Government are aware of the concerns of consumers, and put safeguards in place to ensure lenders comply with strict guidelines including full disclosure. The lenders are happy to comply with this, as it promotes an open and accountable market. APR attempts to create a clearly recognisable interest figure on a loan, showing the consumer exactly how much they can expect to pay. The loan amount doesn't change (in the initial calculation); it's the APR that's the variable (unless you go for a fixed rate option). By doing some research before deciding on a lender, the savvy consumer can find a good credit card deal with an APR rate that suits their finances. Look past the initial 0% sweeteners and at the subsequent APR rate that the credit card loan will incur once the introductory period is over.

Without looking closely at differing APR rates, it is impossible to make quick comparisons between alternative financial products. All companies use different calculations to determine their interest and other charges. To get the best credit card deal, a little research into how each company calculates that interest will save the consumer being lured into an expensive honeytrap by the promise of an initial interest-free period, only to get stung by a high APR once the honey has run out. There are plenty of good deals to be had on credit cards, and a smart consumer will be able to find one that suits both their budget and their requirements.

About the Author:

Jo Smart is a financial author that enjoys taking time to break down the facts about credit cards and other personal finance options. You can find out more about Low APR Credit Cards and other Credit Cards here.

Avoid Bankruptcy Now

By Renee Dunn

Aiming to avoid bankruptcy? There is a way for you to get out of debt and be financially independent.

Sometimes debts spiral out of control for various reasons; loss of a job, sickness, bad money management, and overspending are just a few of the possible causes. Whatever the reason you can resolve your situation but you must act now.

To avoid bankruptcy it is important that you get hold of an expert financial counselor, attorney or an accountant. You need to get hold of a professional money manager or debt consultant such as an accountant or bankruptcy attorney but before you do that you need to ensure your creditors know what's happening. The people you owe money to will be real keen to talk to you about your debts if you are getting behind in repayments, keeping in contact with them is really crucial.

You might be facing really desperate circumstances and if you are then you need to get in touch with a lawyer as soon as manageable or an experienced debt management company who can help you talk terms with your lenders.

With some professional help it will be easy to devise payment programs that suit you with all your lenders and from there they are bound by those agreements. This should save you of those tough phone calls or knocks at the door from someone threatening you with court-ordered action if you don't pay.These types of arrangements are part of the Bankruptcy Act and in most circumstances will leave a very unfavorable record on your credit report for years into the future so be certain to educate yourself well on the little differences between debt agreements and full scale bankruptcy; the main difference really is that in one case you are paying back your debts and your current assests are somewhat safe from repossession compared to bankruptcy where you pay nothing back unless over a tested income threshold and some assests can be sold to fund your bankrupt estate.

Therefore to avoid bankruptcy there are a few matters you need to be certain you're taking care of; keep the lines of communication open with your creditors, speak to professional advisors and reach agreements that you can afford and that protect your current assets.

About the Author:

Visit How Do I Get Out Of Debt to learn more debt solutions such as loan consolidation.

The mortgage market is tightening what will happen to buy to let?

By Chris Clare

At this present time to say that the mortgage market is in a certain state of turmoil would be the understatement of the year. The situation has gone from one where whoever wanted a mortgage could get one to a situation where it is only the people who can afford not to need one will be considered.

Because of the credit crunch, lenders are being very choosy about the sort of customers they want to lend to, and in particular of the sort of customers they want for the future. The act of self certification is well and truly a thing of the past, and the highest loan to value rate at the moment is considered to be around 80%. The days of lending 100% and more against the value of property are becoming the stuff of legend. As such, the main area to suffer in the business, and it is suffering badly, is that of the "buy to lets".

A considerable amount of the growth in the housing market over the last few years can be put down to buy to let. Indeed it is what has kept it buoyant. But this in turn has had a huge effect on the economy in general and the individual in particular. The crux of the problem has been that ordinary people have been having a go at the buy to let phenomenon.

Car auctions in the early part of the 1980s were deemed to be the bastion of the motor trade. Anyone that was not from the trade was seen as an outsider and indeed could quickly be spotted as a rube who was well out of his depth. But gradually the situation began to change and more and more people were trying their hand at spotting a bargain and tidying it up for a small profit. People from all sorts of backgrounds were giving it a go.

But all that happened is these people with their limited experience just got caught up in the moment and paid too much for the wrong cars and on a lot of occasions got stung. The reason I am telling this story is the exact same thing happened with buy to lets. Even though the sums of money are far greater than a couple of grand for a car the process was the same, inexperienced people playing in a market they knew nothing about. A lot of people paid too much for their properties. In some cases people with no experience were buying houses they hadn't even seen.

Personally, I have bought several properties professionally over the last 10 years, most of which have been bought as buy to lets. Even with the expertise and professional knowledge I have, I would never buy a property without first seeing and inspecting it, and I know of no self respecting professional who would. It baffles me why a non professional would step into an unknown market and think they are an instant expert.

Unfortunately what has happened is as the saying goes; they have ruined it for the rest of us. The irresponsible borrowing and buying has put the lenders at risk as they are finding themselves flooded with customers who can't repay their loans, and as such, the lenders now don't want to lend to anyone. Loan to value for buy to lets has dropped recently from 85% to 75% and it is estimated that with falling property prices, this will drop even further.

All this leaves an industry in great turmoil with very little prospect of recovery. What I suggest is, I would like to see forward thinking lenders come out with a professional buy to let product for landlords that have over ten properties. These landlords have already demonstrated they can fund purchases up to now and it would mean that they could get into a market that is quite beneficial for buyers in general. In addition this type of lending would have the result of producing some buyers in the market place which would at least keep the housing market moving at a trickle which is more than it is moving at the moment.

About the Author:

Mortgage Route gives assistance help and advice on mortgages from fully trained mortgage brokers coupled with free mortgage calculators and sourcing tools.