The real secret to wealth and happiness!

Happiness is what causes wealth, wealth leads to happiness! Most people believe that when they become rich, become happy. The opposite is the truth. You become rich when you are basically a happy and positive in life. Not the opposite.

The whole life to become rich to be happy. My only intention is to help you make a lot of money to be happy. Otherwise, what's the point of making money, it will not be happy at the end of everything?

Fill your heart with bliss and go do your homework to make life one big party. Make lots of money to be happy. This will be your real test of success and character.

Money has nothing to do with your happy-ness. If you are thinking that when you make an amount 'X' of money that you will be happy, I promise that I will not. Human wants are unlimited and constantly evolving. Even the wealthiest people in the world have their own needs.

Wealth without happiness will make you feel completely empty inside. Thus, begins to be happy in the present with all they have in life and then go build your biggest dreams by this state of emotion. Only then you will get a real success.

This whole experience of life is not "stuff". This expansion and the joy that is felt from within. We have heard many times before this, "is not the destination but the journey is." The same is true in manifesting the life you want.

Life is to close the gap between what you do not want in your life, and what you want. Closing that gap is like the French say, "joie de vivre", or the taste of life. When you are aligned, the gap is closing, and then have the expanded version of you.

Being rich is not just having more money! Being rich is, knowing how to get everything you want in life. This is the true definition of being rich. Being rich is having the freedom to be able to do anything when you want it. To be rich is to experience the greatest glory called LIFE. Life would be a big party you see.

You are creating the biggest and the most wonderful nature. Do not even have to look elsewhere to find God in fact, were actually made in the image of God Think about it. You hold in you, all the powers of the cosmos to make a heaven of hell and a hell of a paradise for the virtue of the thoughts you think in your mind!

When I say that you were created in God's image, does not necessarily mean that we are all equal. What I mean is that, in essence we are all made and composed of the same stuff. We have all made the same energy that vibrate at different frequencies can produce different results.

When you learn to control and direct the energy frequencies to vibrate and resonate at will, to become a deliberate creator in life and then you can create and manifest anything you want out of nothing (ether, I think) .......

When do the rich keep their money in the bank?

There are times when even the rich keep their money in the bank. When deciding what is right for you consider the amount of time before:

SHORT-TERM

If you are keeping your money in the bank to save for something important (hopefully, for a deposit on an income producing property?), Then do not be overly concerned or worry about the interest rate or inflation.

MEDIUM TERM

If you have a sum large'ish you are building something important to say from 3 to 5 years, then a better 'savings account' would be a low-cost index fund ... how to save enough to meet the minimum investment criteria, falling into ... just be prepared to hold for at least MEDIUM TERM

LONG TERM

If you are, for example, 7 to 70 years before retirement, is in how to invest your life, and (a) are unlikely to have your money in the bank, and (b) are crazy if you do! More than 7 years or more, yes, ridiculously low investment returns (and, to a lesser extent inflation) will eat your future alive!

Putting your money in any mix of index funds, business opportunities, investment property, direct investment stock - keep away from mutual funds - as befits your personality profile and the desire to get rich vs. only keep pace with Jones middle class.

SUPER LONG TERM (a.ka. Retirement)

Here is where a low interest / inflation combo (even if inflation is only 2% or 3%) will eat you alive ... be prepared to be withdrawn for a long time, say 30 to 50 years (even if you die young, at least the spouse and children will be happy with their nest egg!) ... You do NOT want your money running out before you.

If you have a lump sum, there are only a few choices:

- Put everything in an index fund and just draw down 2.5% - 3.5% per year to live.

- Put everything in income producing real estate and spend no more than 75% of the rent (after paying the mortgage and build a suitable buffer to avoid 'problems')

- Put everything in TIPS (inflation-protected Treasury bonds) and live happily every interest that you pay every 6 months

- Implement a strategy of bond laddering, which claims to be able to make you live up to 6% or 7% of capital at retirement each year

- Any combination of the above that fits your investment needs and 'personality'

Each of these strategies is relatively "inflation-proof" in that you get to increase the amount that you take every year as a 'wage' to live, and pay more interest in general that the bank will give you (perhaps expect , the links ... you pay a 'price' for the inflation-hedge) ....

Investment yields fast - Why are they so important?

Financial gurus have long recommended investors to focus on return on investment faster. While a lot of people realize that it is important, not real understand why these types of investments are so lucrative quick result.

The concept is simple. The more money you can invest, the greater your return will be. Therefore, it is necessary to focus on investments that have a quick return. This will allow you to turn around and reinvest your money. The faster you can see a return, the faster you can turn it into an even bigger return.

Think in this way. If you take $ 100 and invest in something that has a guaranteed return of 20%, but not pay for a year, you will end the year with $ 120. If you have the same investment and invested in something with a yield of only 10% - but that turned every month, you would have a total of $ 259.34 after a year. You can imagine how much more shocking is when you start with more than $ 100 and when you find something that returns to a still higher rate! Whenever you are able to turn around and reinvest, you will see your money grow exponentially.

Some people continue to focus on long-term investment guaranteed. I am sure they have proof, but the fact is that you never know what might happen. All investments are a gamble. If I go to play, I will be sure to do so in a way that could lead to huge benefits, which is why I always focus on investment returns fast.

License adjustment Texas - demystify the nation's most coveted insurance adjuster license

The license Texas insurance adjuster license is easily the most sought adjustment in the country. Famous for its high level of reciprocity with other states' licenses, the license control Texas is often perceived as a panacea for companies and independent adjusters looking for full licensure. But what are the real implications of becoming a Texas adjuster license and are the most common representations are accurate? Understanding the true mutual benefits of this license will allow companies to make sound licensing decisions for their staff records and allow independent adjustment of expectations remain well informed and save time and money. We separate reality from perception and demystify common license control the nation's most coveted.

License Overview

There are two types of licenses multi-line adjustment that can be obtained through the Texas Department of Insurance (TDI): the 1) all the lines of license and b) license property and injuries. The all lines of designation enables licensees to manage residential, commercial, automobile, farm and ranch, inland marine, ocean marine, and worker's compensation claims. The property and injury (PandC) license is different only in that it does not certify licensees to manage the worker's compensation claims. For the purposes of adjustment of properties, in particular cat regulators, these licenses are effectively the same. Another distinction regarding licensure is the status of resident and non-resident license. While both certify its designated to work the exact types same statements, there are differences absolutely crucial as regards the reciprocity which will be explained in more detail below.

Obtaining a license to control Texas

Obtaining a license to control Texas, and all lines or property and the victim is usually achieved by taking either 1) the state examination administered by Prometric or 2) a certified pre-licensing course. The state exam is notoriously difficult and there is absolutely no guarantee of passing the exam. Many veterans in the insurance industry, relying on the expertise in their particular field, have failed the exam due to unexpected questions posed on more obscure lines such as farm and ranch and ocean marine and inland. The exam must be scheduled with Prometric and exam study courses are available to assist in preparation. Pre-license courses are 40 hours in classroom and online courses that are offered as substitutes for the examination of State. The 40 hours consist of 30 "classroom" hours and 10 hours of individual study. An examination consisting of 150 questions is generally administered at the end of the path and serves as an evaluation highlight for future logs.

The pre-license course meets all Texas Department of Insurance requirements for obtaining the license adjustment Texas. Once the state exam or pre-licensing course is completed, students must still submit an application to the State. Processing application typically requires between 2 and 4 weeks. The application may require a criminal background check and fingerprinting for the successful presentation. Finally, any adjustment in possession of a name or cpcu AIC is exempt from any course or exam and may immediately seek licensure.

Reciprocity and the licensing of Texas

The mutual benefits of licensing regulation in Texas are poorly understood and inaccurately represented. A common misconception holds that, once licensed as a governor in Texas has been automatically authorized in 32 other states as well. Other notions that are licensed Texas is reciprocal to another state or country that is far more reciprocal license. While certainly a powerful license, these statements do not correctly apply the principles of reciprocity and the extent of influence that this license really. The real answer, unfortunately, is a bit 'complex, because the interpretation of each rule of reciprocity is different, it varies from state to state. However, to arrive at a correct understanding of the situation is of vital importance and prevent unnecessary expense of time and money for businesses and consumers alike.

First, what is the reciprocity? This means, generally speaking, is the principle that favors, benefits, or penalties designations granted by a State for the residents of another State must be returned in kind. In the context of control of licenses, which means that if a state such as Florida, regulators have already approved licenses in Texas, then Texas should do the same for regulators license in Florida. This is the basic principle. Most of the states, with the exception of Nevada, Hawaii, New York, Arizona and South Carolina, are reciprocal with most other states that license regulators.

The issue is complicated when it comes to non-resident licenses. Many states (Kansas, Missouri, Pennsylvania, Ohio, Illinois, and Colorado to name a few) do not require their adjusters to be licensed. So a governor 20 years from Kansas City who want to become licensed in Georgia to work hurricane claims could have a problem, because there is no license in Kansas to Georgia to be with each other. A non-resident Texas license is then often shot as a means of solving this dilemma. The results can be disappointing. Georgia, like many other states, requires that if you do not hold a resident license must successfully pass the examination before applying for licensure. It's a shame that regulators in states that require licenses are not punished when it comes to reciprocal privileges. On the other hand states, like Georgia are simply trying to fill the gaps reciprocal (ie Georgia residents trying to obtain a license in Georgia, without taking the state exam using a non-resident licensed Texas governor). There are, however, some states (ie Alabama) who are not interested, if the license is a resident or nonresident.

The lesson is that the issue should be examined case by case basis and should take into account a) the state of residence b) holders of licenses and their residents / non-resident status and c) the political status of the licenses that you want obtain. Again, only in possession of a license in Texas does not guarantee reciprocal licensure in most states. The most important consideration and the factor that most influences the level of reciprocity is the taste factor resident / nonresident. Adjusters licensees residents will be able to get much more than reciprocal privileges to those who hold licenses for non-residents - regardless of the state.

Other advantages of the License, Texas

There are other advantages, apart from reciprocity to gain from obtaining the license adjustment Texas. Within the independent sector insurance adjuster, and especially among cats (catastrophe) adjusters, adjustment of the license in Texas is probably the most widely recognized and respected license. Many companies are adjusting to that contract IAs to work claims are based in Texas. Having this license may also be required as a prerequisite for employment in some cases, if you are a resident of Texas or not.

Another advantage of this license is that it is relatively easy to obtain. License on-line courses and plenty of regular classroom licenses are available for immediate registration. Most other states do not have the resources, education and support for licensure that are hallmarks of the Texas Department of Insurance and its licenses.

If one begins his career as a loss adjuster, be sure to check the license status of your control. Starting from the license fee will get you started on the right foot!...

When part-time Jobs Do not Offer Health Insurance

Many Americans choose to work part-time for several reasons. Maybe you've just enrolled in college and chose to attend college full time and part-time work in order to graduate first. Perhaps you choose to work part-time in order to devote more time to your home business. Perhaps you have decided to work part-time in order to spend more time with your children. Maybe some of you choose to work part-time jobs instead of a full-time job because you like the diversity or simply can not find a full time job for which you are qualified or enjoy.

See? There are many reasons Americans choose to work part-time.

Despite the advantages of part-time offer, there are some falls, too. One of the biggest drops in employment, working part-time work are many part-time jobs do not offer health insurance. This is usually because employers do not feel their part-time employees invest enough time in the company to offset the cost of health insurance. Although this makes sense, it does little to console the part-time employees.

Americans who work part-time and do not offer health insurance are basically three ways to obtain health insurance: you can add to their spouses health insurance policies, you can purchase a group health insurance policy, or they can buy an individual health insurance policy.

It 'true that the individual health insurance policies are often more expensive than being added to the policy of the spouse or purchasing a group policy, are also sometimes the only available part-time employees. After all, not everyone is married, and not everyone belongs to an organization that offers health insurance policies.

If this is your situation, you can reduce the cost of individual health insurance, with minimal coverage, raising deductibles, and paying annually rather than monthly. Shop around for individual health insurance policy that offers the lowest rates that can be paid each year only for the coverage you need....

Is Getting Life Insurance Without a physical examination a good deal?

If you can prove you're a reasonably healthy person, you now have the option by some insurers to get life insurance without having to endure what most people hate more than anything in life insurance: the ' medical examination.

No medical exam life insurance is founded as a response of the market to get a life cover of people who know they are healthy, but despise medical exams. It 's also a response to people who want things faster and faster with fewer problems. Most healthy people can be without quality life insurance medical exam.

As long as you are free of major diseases such as cancer, diabetes, AIDS, or a heart condition, it is likely to benefit from a life insurance policy without medical examination. All you have to do is answer a medical questionnaire. The policy may come into force on the same day you apply for this.

There are a few things to keep in mind, without medical coverage for life insurance exam. One thing to remember is that these policies provide only limited death. However, this can still be a negligible amount of coverage. It depends on your age (the younger the better, of course), but you can qualify for up to $ 300,000 of death without medical examination. Most of these policies also require that you take a minimum amount of coverage, such as $ 50,000 (or less if they are relatively advanced age).

You must also remember that since it is not taking a medical, the insurance company has the right to modify or terminate the contract for the first year or two, during what is called the "contestable period". They would do this if they found he had lied on the questionnaire or inaccurate. Remember that there are national, centralized databases available to businesses of life insurance and if you have had medical examinations and life insurance policies before the records are there. A life insurer would also examine the results of an autopsy, if died in the first two years of politics, and the conclusions at odds with what you wrote would probably mean the death of any benefits paid.

Another problem with these policies is that they are more expensive for the same amount of death of a life insurance medical exam required. Remember, insurers must reduce their risks. If you have nothing to go on, but the word that can make a policy, but in return that compensate for the increased risk with higher premiums.

Probably the best thing to get one of these policies are not health exam life insurance if you are under 35 years and have some other coverage of life insurance as well. They should not be purchased for convenience of privacy issues - they are too expensive and have too many limitations.

The best way to go about finding the best deal on a life policy medical examination is to speak with an insurance broker and get quotes for various prizes. These policies can vary widely between different insurers. Some insurers find these policies a priority to have in their portfolio, while others are not so fond of them .......

Tax deduction 2007 - Apply and Save

For many Americans, tax season can be a very frustrating and confusing where the limits of your mind are pushed almost to the point of no return. Well, my friends I have good news for you. I have compiled a list of tax deductions which, if applied, can help restore what is rightfully yours. You know, peace of mind and financial freedom that comes from the reality principle. So, let's begin!

First, I want to teach a basic principle that has helped thousands of people create wealth through real savings. What is this basic principle? And 'the principle of developing the mind-set of "education and enforcement." Mastering the technique of paying attention to your unique environment and my friend started to develop a true sense of self. Not to mention a more positive, healthier and more successful you! So, let's see how this principle can be applied to taxes.

2007 Tax Deductions

Did you know that the average person can save money (depending on the type of employment) a fairly heavy amount of money through the search and get tax deductions for the needs of employees? Let me explain, take for example a plumber. What does a plumber need to work? Well, he or she must have a uniform, tools, transportation, etc. And guess what 'plumber who can get a tax deduction for every one of those things. Another example, say you're a small business owner who just bought a new computer, printer and other office supplies. Guess what? He or she can take a tax break too! And the U.S. is really starting to meet small business owners, providing all types of tax benefits. In fact there is no reason why the average small business owner you can not save 100 dollars per week on taxes.

Here's what I'm sure a lot of people do not exploit. And I bet that the average good-hearted, God-fearing American would love to hear about this. So, what is the board of this wonderful? And 'the son of Charity, charity! Did you know that if you donate (any amount) any contribution to a charity of your choice, guess what happens? Just so you get another tax break, and the tithe to your church counts too. Sometimes you can even get a tax deduction for donating the biggest ticket items like cars. And if you're always help, can really add up to big tax savings for you.

Well, I hope you enjoyed some of the tax deductions that I shared with you today. And hopefully you've learned the mind-set of "education and enforcement." Now all you have to do is act. Remember, applied knowledge is true power!...