With the prevalent economic crisis today and with the holiday season fast approaching, you are probably very much pressured to earn more. True, you are expecting a Christmas bonus from your company, but that, in itself, may have already been allocated for a certain project or expense. So you are left with resorting to other means of income. This article will provide you with three ways to make extra cash today. These are fairly simple suggestions, and these do not need a lot of capital, as well.
1. Get freelance work from friends or other companies. As almost all services are being outsourced today, for sure you will find clients who want small projects done. As these are fairly temporary in nature, companies prefer freelancers to take care of the job so they don't have to hire additional people and let them go after the project is completed.
Getting freelance jobs from friends is easier as you've already established a relationship with them. Also, they are already familiar with your work ethics, so it wouldn't be much of an issue negotiating terms and conditions.
Usually, website design, software development, training, and writing are among the most common jobs you can take to earn extra cash. Make use of your talent and translate it to extra income.
2. Get rid of your unused stuff. Selling is perhaps the oldest form of making money, so make use of this method of earning extra cash. Look into the things that you have been storing in your broom closet, and identify the items that you are never ever going to use again. At the outset, it'll be hard to let go of some stuff, especially when these have sentimental value. Sometimes, however, you need to be practical and finally let go of some things. This way, you are not only earning extra money, you are also clearing your house from clutter.
Of course, it goes without saying that you need to make sure that the items you want to sell are still usable and are of good quality. Otherwise, this means of earning extra income will not really work.
3. Use the Internet. Of course, no other resource is better than the Internet when it comes to earning extra income. It is so accessible that anyone who has an Internet connection can reap its benefits.
There are more than a hundred ways of earning extra income from the Internet. The most common ones are participating in online surveys, joining online shopping sites, bidding to develop software, and online writing.
With online surveys, clients send you forms and questions to answer. Aside from the upfront cash offered by this endeavor, it's great to know that your opinion is valued.
There are also a number of things that you can do for online writing. Whether you're writing blogs, product descriptions, or even tips and trivia, there's always something for the writer in you.
Whatever skill you may have, you will always find something on the Internet that will let you earn extra cash. The good thing about this method of making additional income is there's practically no amount needed from you as investment. All you need to have is a computer, an Internet connection, an ample amount of extra time, and, of course, your talent. There are still a number of other strategies of earning extra cash. The ones mentioned above are the simplest and the most common ones adapted by many. If you do decide to try put in a substantial increase on your regular paycheck, then it may serve you right to research on other more profitable ways and see what works for you.
These three ways to make extra cash today will surely address some of your financial obligations. The earnings may not be enough to cover a full-month's salary, but, at least, it can help you. After all, these are only meant to be additional income. This means that they will only supplement the regular amount of money that you are receiving from your primary job. Article Source: http://www.articlesbase.com/finance-articles/three-ways-to-make-extra-cash-today-698512.html
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What is the worst that can happen if My Teen cannot pay their debts?
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What is the worst that can happen if My Teen cannot pay their debts?
Most obviously, they can ruin their chances of obtaining future credit for the next seven years. If the creditor decided to pursue collection efforts, what is possible depends on state laws. Each state sets laws as to what, and how, a creditor can collect on a delinquent account. Some states can force you to sell some of your assets to satisfy a judgment.
To learn your state’s laws, contact your local consumer protection office. To find yours, visit the Federal Citizen Information Center's web site at ConsumerAction.gov.
Ten Commandments for Wives
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1. Thou shalt not expect thy husband during the beginning stages of the marriage, to understand and provided as your father.
2. Forget not the virtue of good humor and pleasantness, such qualities does wonders for thy man.
3. Thou shalt not nag!
4. Thou shalt cuddle thy husband, every man loves it!
5. Thou frank approval or disapproval of thy husband accordingly, is worth more to him and thee, than the side glances of many strangers.
6. Thou shalt not permit anyone to criticize thy husband to the face; thy father, mother, sister, brother, nor any other.
7. Commit thy ways unto the Lord, thy children shall rise up and call thee blessed!
8. Thou shalt not fail to dress appropriately for thy husband, with an eye to please, as thou did before you were married.
9. Thou shalt ever assure thy husband that he is the greatest man alive in your life.
10. Thou shalt be a warm wife! A loving wife to your husband and you never need to worry about another woman! Bro. Frank McElveen, CCN Contributor
What Are the Top 15 Christian Dating Tips You Need to Know?
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What Are the Top 15 Christian Dating Tips You Need to Know?
1.The sole purpose for dating is data…if you can’t get data, stop dating.
2.It is better to date someone who wants you than someone who doesn’t.
3.Your body, home and money requires another level of commitment.
4.Want marriage? Keep your relationship spiritual, it’s the ultimate turn-on!
5.Know upfront what you can’t live with. Any compromises and you’ll be miserable for life!
6.A man or woman after God’s own heart will be a man or woman after yours.
7.Never hold on to relationships that are over, just go. But do know why you’re going so you
don’t do something stupid like go back.
8.Pregnancy links you to the drama of another adult for the rest of your life.
9.The first stage to dating is the friendship stage, if you skip it, you have no where else to go because the relationship is over.
10.Acting like a spouse before time will only turn you off when it’s time!
11.Don’t “fall” in love…walk into it with your eyes open!
12.Never say, “you’re waiting on a mate”. Rather say, “you’re waiting on God to give you a mate”. This way you know where the power lies.
13.Christians can’t date long; it’s too complex. Selah.
14.Sickness and obesity usually stem from stressful relationships. (Dr. Oz)
15.Anybody you have to hide is more reason why they shouldn’t be there.
Bonus: Involved in an extra-marital affair? Here is something to consider:
You'll NEVER be happy with someone else's unhappiness!
*Tips for those not dating:
Do so much ministry ~ Get so many degrees ~ Travel so many places
Save so much money ~ Buy so many clothes ~ Own so much property
That each night you go to bed so tired but thanking God for your singleness!
Excerpts taken from upcoming book, Girl, What The Heck Are You Doing? by Dr. Debora C. Hooper Copyright January 2010. Permission to copy or forward these tips is granted by author
Are You In A Financially Abusive Relationship?
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Are You In A Financially Abusive Relationship?
Financial and economic abuse is a form of domestic violence in which the abuser uses money as a means of controlling his or her partner. Financial and economic abuse is a tactic that an abuser may use to gain power and dominance over his or her victim.
Did you know that economic domination can be just as emotionally devastating to a woman as physical abuse? Can you imagine a once vibrant woman who, when single, had a good job, earned a good salary and was financially independent. One day she meets the man of her dreams, falls in love and gets married. But because they never discussed their future goals together, little does she know that he wants her to stay home and be a full-time mom and homemaker. She becomes pregnant even if she isn't ready to be a mother. Deep down, she feels that she is happiest when pursuing her career. How will a woman like her fare when faced with economic domination by her husband?
Economic abuse in a marriage is evident in these circumstances:
- Preventing you from getting or keeping a job
- Putting all bills in your name only
- Forcing you to beg, prostitute or commit crimes for money
- Confiscating your assets and other financial resources or forbidding you from handling money or incurring expenses that he does not allow.
- Spending money allocated to bills/groceries on himself and his friends.
- Using your financial assets to his advantage and depriving you of you rights to enjoy what is financially and rightfully yours.
- Spending child benefits on himself or not permitting you to spend available funds on yourself or your children.
- Taking away your credit cards or cash and providing you with only just enough money to pay for the day-to-day items.
Money is used by the financial abuser as a tool to control the victim, ensuring your financial dependence on him. It is also a form power and his need to assert himself in a situation where he feels inferior. If you're in a serious relationship, talk about MONEY TODAY.
If you are encountering any of these issues it?s time you attend the
UnStoppable Women Who Launch
Empowering Women & Young Adults to Become Financially Successful and Relationship Smart!
Are you disgusted, discouraged, depressed, feeling along? Well, there is hope for Your Today. Don't Give In - Learn to Become A Women Who Launches!
See the UnStoppable Finance Coach - Elizabeth Felder Live as she brings an informative but lively seminar which will include how to:
Define Yourself * Design A Plan, Set Goals & A Vision for Life, * Learn how to Execute and Launch Your Dreams
Define Your Relationships * Learn to Build Relationships that will bring, love, peace and prosperity into your life
Define Your Money * Get Out and Stay Out of Debt, * How to Become Financially Unstuck, and more?.
If you want to see a change in your women and young adults now is the time to invest in their future.
Dates are limited so enter Early! Click here to enter your ministry or organization Today! (www.financecoach.biz/bringmethistour.htm)
******************************************
Elizabeth Felder is a Finance & Relationship Coach Expert, television and radio personality. She has appeared on CNN, MSNBC and FOX Business Network sharing her rags to riches story. Elizabeth readily draws upon her extensive experience from over 20 years in corporate law, real estate and entrepreneurship. She is an over-comer of the adversity of domestic abuse, abandonment, bankruptcy, divorce and homelessness.
Elizabeth is also the highly acclaimed author of three books, including her best seller, UnStoppable Women Who Launch, UnStoppable Teen Power and UnStoppable Wealthy Women. Her books motivate and educate people to realize their own potential to achieve greatness.
Unstoppable Wealthy Women & Teens would like to invite you to visit our page at www.FinanceCoach.biz.
Sign up for our newsletters, tips and events. Don't forget to stop by our Ning site at http://www.unstoppablewealthywomen.ning.com
Three Ways to Make Extra Cash Today
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Debt collection is a growing business
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Debt collection is a growing business
Workers in India can earn $425 per month calling Americans who are behind on debt payments with the potential for an extra $600 or more per month in bonuses. This is actually a lot of money because the average salary in India is $63 per month. By contrast, American collectors earn $6500 per month.
So it’s not surprising that outsourcing debt collection to Indian workers is the latest trend in debt collection. When a credit card account is in default, the company sells it to a debt collection service for pennies on the dollar. This company calls the debtor and tries to reach a settlement.
The collectors earn a commission and bonuses, so the job is much like a sales position. There’s a potential downside to this for the Indian workers, however. “Collectors are amassing some of the status symbols that probably got their clients into trouble in the first place - new scooters, iPods, Swatch watches and exotic vacations.”
It sounds like the Indian debt collectors will soon have to start makeing collection calls to each other and not just debt-ridden Americans. Debt collection is a growing business By Anita http/debt-free-mom.com/2008/04/26/debt-collection-is-a-growing-business/
13 things millionaires do that you don?t do
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13 things millionaires do that you don’t do
Who knew that one could learn about contentment and frugality from millionaires?
The millionaires that Dr. Thomas Stanley studies in his two books (The Millionaire Next Door and The Millionaire Mind) are first generation millionaires, so keep that in mind. We’re not talking old money or people with a sense of entitlement.
According to his exhaustive research, first generation millionaires tend to do the following:
1. Have shoes resoled/repaired. Oops, I never do that. But then again, like most people, I don’t pay $200-300 per pair of shoes, the way these millionaires do, because that’s a lot of money to spend up front. But millionaires know that if you make a higher up front investment, and occasionally get the shoes resoled, then the cost per wear is much less. Even if I could pay $300 without batting an eyelash do I really want to keep a pair of shoes for ten years? Um, I do not. I like the excuse of going out and getting something new every 2-3 years.
2. Having furniture reupholstered/refinished instead of buying new. That probably doesn’t work when a lot of your furniture is from Ikea. Ahem. I see their point though. It’s so much easier to pick out new fabric for your couch - the upholsterer will even come to your house - than it is to spend endless hours shopping for a new couch.
3. Having clothes mended/altered instead of buying new.
4. Raising the thermostat setting on your air conditioner during summer/daytime.
5. Switching long distance companies. Thanks to free long distance from cell phones this really isn’t an issue anymore.
6. Paying off/paid off home mortgage early. I hope to experience that.
7. Never buying via telephone solicitations. Yay for caller ID!
8. Developing a shopping list before grocery shopping. I never have to do that because one of my daughters tends to do that for me. At least she sometimes includes the note “buy something for yourself too.”
9. Using discount coupons when buying groceries. Rarely do I find coupons for things I actually buy, so I don’t get how so many people think coupon clipping really works for them.
10. Purchasing appliances and/or motor vehicles “top-rated” by Consumer Reports.
11. Leaving department stores as soon as purchase is made. I prefer not entering department stores in the first place. A couple of weeks ago I was in Macy’s and it dawned on me, for the first time, that I don’t like shopping in department stores. I hardly ever find anything I want. I much prefer entering a small store that tends to sell clothes that I like (Gap and Banana Republic come to mind) and hit the sales racks. And I don’t have to walk past makeup clerks and feel all insecure as I pass by their harsh mirrors and catch a glimpse of my face sans makeup.
12. Buying household supplies in bulk at warehouse stores, i.e. Sam’s, Costco. Ugh. I hate shopping at those places and also hate shopping at stores like Target; tromping around a huge store doesn’t appeal to me at all and just lures you into buying things you don’t need. I can go months between trips to Target. I buy most of what I need at the grocery store or online.
13. Doing more and more business with a discount brokerage firm(s). OK, I’ll keep that in mind. Ahem.
Maybe you already do or have done a lot of these things. If you have other tips (even if you’re not a millionaire) please feel free to share them.
13 things millionaires do that you don’t do
By Anita http://debt-free-mom.com/2007/11/20/13-things-millionaires-do-that-you-dont-do/
The millionaires that Dr. Thomas Stanley studies in his two books (The Millionaire Next Door and The Millionaire Mind) are first generation millionaires, so keep that in mind. We’re not talking old money or people with a sense of entitlement.
According to his exhaustive research, first generation millionaires tend to do the following:
1. Have shoes resoled/repaired. Oops, I never do that. But then again, like most people, I don’t pay $200-300 per pair of shoes, the way these millionaires do, because that’s a lot of money to spend up front. But millionaires know that if you make a higher up front investment, and occasionally get the shoes resoled, then the cost per wear is much less. Even if I could pay $300 without batting an eyelash do I really want to keep a pair of shoes for ten years? Um, I do not. I like the excuse of going out and getting something new every 2-3 years.
2. Having furniture reupholstered/refinished instead of buying new. That probably doesn’t work when a lot of your furniture is from Ikea. Ahem. I see their point though. It’s so much easier to pick out new fabric for your couch - the upholsterer will even come to your house - than it is to spend endless hours shopping for a new couch.
3. Having clothes mended/altered instead of buying new.
4. Raising the thermostat setting on your air conditioner during summer/daytime.
5. Switching long distance companies. Thanks to free long distance from cell phones this really isn’t an issue anymore.
6. Paying off/paid off home mortgage early. I hope to experience that.
7. Never buying via telephone solicitations. Yay for caller ID!
8. Developing a shopping list before grocery shopping. I never have to do that because one of my daughters tends to do that for me. At least she sometimes includes the note “buy something for yourself too.”
9. Using discount coupons when buying groceries. Rarely do I find coupons for things I actually buy, so I don’t get how so many people think coupon clipping really works for them.
10. Purchasing appliances and/or motor vehicles “top-rated” by Consumer Reports.
11. Leaving department stores as soon as purchase is made. I prefer not entering department stores in the first place. A couple of weeks ago I was in Macy’s and it dawned on me, for the first time, that I don’t like shopping in department stores. I hardly ever find anything I want. I much prefer entering a small store that tends to sell clothes that I like (Gap and Banana Republic come to mind) and hit the sales racks. And I don’t have to walk past makeup clerks and feel all insecure as I pass by their harsh mirrors and catch a glimpse of my face sans makeup.
12. Buying household supplies in bulk at warehouse stores, i.e. Sam’s, Costco. Ugh. I hate shopping at those places and also hate shopping at stores like Target; tromping around a huge store doesn’t appeal to me at all and just lures you into buying things you don’t need. I can go months between trips to Target. I buy most of what I need at the grocery store or online.
13. Doing more and more business with a discount brokerage firm(s). OK, I’ll keep that in mind. Ahem.
Maybe you already do or have done a lot of these things. If you have other tips (even if you’re not a millionaire) please feel free to share them.
13 things millionaires do that you don’t do
By Anita http://debt-free-mom.com/2007/11/20/13-things-millionaires-do-that-you-dont-do/
Wise tips for 2009 ?- or for any year
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Wise tips for 2009 —- or for any year
With the new year approaching and resolutions in the making, consumer and health experts said there’s much that people can do to help protect themselves and their money in 2009. Here are some of their tips:
Be wary of businesses failing. As the economy worsens, think twice about things you pay for in advance —- such as gift cards, service contracts and other long-term arrangements, said Shawn Conroy, a spokesman for the Governor’s
If you received gift cards during the holidays —- don’t wait to use them.
Look out for drug reactions. If you develop a new symptom when taking a prescription drug —- assume it could be a side effect and not your illness, said Dr. Sidney Wolfe, director of the Public Citizen’s Health Research Group.
Guard personal information. “During times of economic distress there are going to be even more scam artists out there trying to steal your information,” Conroy said. Beware of e-mails, phone calls and people going through your garbage seeking information to steal your identity. Invest in a shredder, advise officials at the Better Business Bureau serving metro Atlanta, Athens and northeast Georgia. Make sure all information with personal bank account, credit card account or any other type of personal information is shredded.
Check credit reports. Now more than ever it’s important to make sure your credit reports are accurate, experts said. Consumers nationwide are entitled to free copies of their reports at least once every 12 months from each of the three major credit reporting firms: Equifax, TransUnion and Experian. Georgia residents are entitled to copies twice a year. Go to www.annualcreditreport.com, or call 1-877-322-8228.
Consider a freeze. Make it difficult for identity thieves to open lines of credit in your name by putting a freeze on your credit information. With a freeze in place, the consumer must provide a password to the credit reporting agencies to allow access to their files by credit card companies and other lenders. For more information on how to do this and your rights under a new Georgia law, go to www.consumered.com/news/creditfreezelaw.aspx or call the Governor’s Office of Consumer Affairs at 404-651-8600.
Keep up with recalls. When dangerous products such as baby cribs, appliances, toys and clothing are recalled, the average consumer response rate is just 15 percent to 30 percent, according to Scott Wolfson, a spokesman for the U.S. Consumer Product Safety Commission, meaning many recalled products remain in homes. Consumers can sign up for e-mail alerts on the agency’s Web site, www.cpsc.gov, as well as research whether products they own have been recalled.
For recalls involving products such as food, medications, motor vehicles and boats, go to www.recalls.gov.
Stop smoking and get active. Obesity and tobacco-related diseases are two of the leading causes of health problems for Americans, said Dr. Casey Chosewood, director of the office of health and safety at the Atlanta-based Centers for Disease Control and Prevention.
Got a tip?
Tell us what you want investigated. Call us at 404-526-5041 or e-mail spotlight@ajc.com. By Alison Young The Atlanta Journal-Constitution Sunday, December 28, 2008
"Romance without Finance is a Nuisance"
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"Romance without Finance is a Nuisance."
CHARLIE Parker said, "Romance without finance is a nuisance." And whether you're just married, just moving in, or just starting out, you know that making romance and finance work can be a frustrating and confusing experience.
You've probably been there--arguing one night about how much he or she spent, and then spending the next night trying to piece together the remnants of what you thought was a great relationship. He gets offended when you reach for your purse to pay for your movie ticket. She gets upset because you didn't pick up the dinner cheek fast enough. The love-and-money quagmire goes on and on.
Managing money and your romance - Money Talks Navigating the mess is critical because financial problems can strain some relationships to the breaking point, says author Nick Chiles. The South Orange, N.J., resident has written a series of relationship books with his wife, Denene Millner, including What Brothers Think, What Sistahs Know About Sex: The Real Deal on Passion, Loving and Intimacy.
"When we start thinking about spending the rest of our lives with someone, security becomes the prominent necessity. For both sexes, when we think about loving someone, we think about what our lives will be like with this person," says Chiles, an award-winning journalist who has a psychology degree from Yale University. "So money pops up pretty immediately."
Money isn't the cause of the problem; it's how couples think about money that creates a "nuisance." What couples should remember is that the main rule regarding relationships and money matters is this--communicate and compromise.
"You have to begin by understanding that just because you did it one way doesn't mean that's the only way it could have been done," says Millner, who also wrote The Sistahs' Rules: Secrets for Meeting, Getting and Keeping a Good Black Man. "When [Nick and I] got into this relationship, I had one idea about how money should be saved and spent and handled, and he had a totally different one. The important thing is to understand where that other person is coming from and then find a happy medium.
Finding the middle ground means having an honest discussion about your financial views. Tell your partner if you put $200 into a money-market account each month or if you live paycheck-to-paycheck. Come to the table honestly and openly to see if your financial needs and views are compatible. If they're not compatible, work at learning more about money and each other, and try to compromise.
The way couples view money can also give insight into other aspects of their personalities. For men on the "gold digger alert" and women on the "lazy-man patrol," there could be self-esteem or intimacy issues, says William July of Houston. The author of Understanding the Tin Man: Why So Many Men Avoid Intimacy says those issues often get in the way of good communication.
"Everything comes down to resolving your own issues first," says July, who also wrote Brothers, Lust and Love: Thoughts on Manhood, Sex and Romance. "Couples have to have enough respect and trust in their relationship to embrace and talk about the tough issues, like monogamy, money and life plans."
The biggest blunder a couple can make is playing the money card too early or too far into the relationship, experts say, because both can lead to unrealistic expectations. The first date is too early; the honeymoon is probably too late.
Chiles recommends waiting until both people are serious about the relationship and are willing to work to see the union succeed.
"What the man fears is that his woman somehow suspects that he won't be able to provide for the family," says Chiles. "This is an especially prevalent fear among Black men because of all the perceptions, baggage and stereotypes in our community."
Millner adds that there's also a very real concern among women about the future of the family.
"The fear of not having your family taken care of is very real for women," says Millner, who earned a bachelor's degree in print journalism and graphic arts from Hofstra University. "It's important that Brothers understand that just because she's inquiring about where you are with your finances doesn't mean she's being a gold digger. She's trying to make sure that her family, if she's going to get with you, is taken care of."
Experts say you should put aside the stereotypes and focus the money conversation on goals, dreams and objectives regarding finance and family. Then you can move on to the more concrete stuff like whether to open joint checking accounts, share investments or split household bills. And once you've made the decision to build a financial future together, sit down with a qualified expert to map out that future.
"Once couples set their financial goals, then a financial planner can help them establish a plan and navigate them through it to reach their objectives," says Olin Wiley, an estate planner in Atlanta. "To be successful, it's going to take both parties making intelligent decisions."
You've probably been there--arguing one night about how much he or she spent, and then spending the next night trying to piece together the remnants of what you thought was a great relationship. He gets offended when you reach for your purse to pay for your movie ticket. She gets upset because you didn't pick up the dinner cheek fast enough. The love-and-money quagmire goes on and on.
Managing money and your romance - Money Talks Navigating the mess is critical because financial problems can strain some relationships to the breaking point, says author Nick Chiles. The South Orange, N.J., resident has written a series of relationship books with his wife, Denene Millner, including What Brothers Think, What Sistahs Know About Sex: The Real Deal on Passion, Loving and Intimacy.
"When we start thinking about spending the rest of our lives with someone, security becomes the prominent necessity. For both sexes, when we think about loving someone, we think about what our lives will be like with this person," says Chiles, an award-winning journalist who has a psychology degree from Yale University. "So money pops up pretty immediately."
Money isn't the cause of the problem; it's how couples think about money that creates a "nuisance." What couples should remember is that the main rule regarding relationships and money matters is this--communicate and compromise.
"You have to begin by understanding that just because you did it one way doesn't mean that's the only way it could have been done," says Millner, who also wrote The Sistahs' Rules: Secrets for Meeting, Getting and Keeping a Good Black Man. "When [Nick and I] got into this relationship, I had one idea about how money should be saved and spent and handled, and he had a totally different one. The important thing is to understand where that other person is coming from and then find a happy medium.
Finding the middle ground means having an honest discussion about your financial views. Tell your partner if you put $200 into a money-market account each month or if you live paycheck-to-paycheck. Come to the table honestly and openly to see if your financial needs and views are compatible. If they're not compatible, work at learning more about money and each other, and try to compromise.
The way couples view money can also give insight into other aspects of their personalities. For men on the "gold digger alert" and women on the "lazy-man patrol," there could be self-esteem or intimacy issues, says William July of Houston. The author of Understanding the Tin Man: Why So Many Men Avoid Intimacy says those issues often get in the way of good communication.
"Everything comes down to resolving your own issues first," says July, who also wrote Brothers, Lust and Love: Thoughts on Manhood, Sex and Romance. "Couples have to have enough respect and trust in their relationship to embrace and talk about the tough issues, like monogamy, money and life plans."
The biggest blunder a couple can make is playing the money card too early or too far into the relationship, experts say, because both can lead to unrealistic expectations. The first date is too early; the honeymoon is probably too late.
Chiles recommends waiting until both people are serious about the relationship and are willing to work to see the union succeed.
"What the man fears is that his woman somehow suspects that he won't be able to provide for the family," says Chiles. "This is an especially prevalent fear among Black men because of all the perceptions, baggage and stereotypes in our community."
Millner adds that there's also a very real concern among women about the future of the family.
"The fear of not having your family taken care of is very real for women," says Millner, who earned a bachelor's degree in print journalism and graphic arts from Hofstra University. "It's important that Brothers understand that just because she's inquiring about where you are with your finances doesn't mean she's being a gold digger. She's trying to make sure that her family, if she's going to get with you, is taken care of."
Experts say you should put aside the stereotypes and focus the money conversation on goals, dreams and objectives regarding finance and family. Then you can move on to the more concrete stuff like whether to open joint checking accounts, share investments or split household bills. And once you've made the decision to build a financial future together, sit down with a qualified expert to map out that future.
"Once couples set their financial goals, then a financial planner can help them establish a plan and navigate them through it to reach their objectives," says Olin Wiley, an estate planner in Atlanta. "To be successful, it's going to take both parties making intelligent decisions."
Your Money Personality
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Your Money Personality
Have you ever wondered why money seems to work so well in some people?s lives and so destructively in others? Why some people control money while others allow it to control them? Or why some of us can manage it so effortlessly to fulfill life?s plans and goals, while others never stop to question how they want money to serve them?
Kathleen Miller says that its because for many of us, money is never just money. It can represent many things: love, power, happiness, security, self-esteem. As a result, we have intense feelings about money: feelings we sometimes hide from which keep us from dealing with it productively.
Just as our feelings about money can vary, so can our behaviour towards it. Some people hoard it while others spend it like a drunken sailor. Some people take great care with their financial responsibilities, while others avoid the same tasks as if avoiding some great pain. Some people make no effort to invest, some very conservatively, and others take significant risks - often at their peril. In my time as a Finance Coach it has become apparent that it is important for each of us to understand our issues surrounding money.
In business, I have had great success using the psychology of persoanlity profiling to better understand my strengths and the strengths of my co-workers. Once I understood where these strengths lay, I stopped beating myself up because I couldn't do one thing or another and focused on the things that I was good at. I also stopped beating up on my co-workers which was also a good thing. Now I use the same psychological pricples to help understand my clients needs by conducting a Money Personality Diagnostic.
"Money can enhance happiness and prosperity, or it can destroy them. No one simply drifts to the pinnacle of success?you have to climb." Kathleen Gurney
Why do I want you to understanding your 'money self'? Because it will help you gain insight into how and why you react emotionally to money - why you have those reactions and how they affect your financial successes. If you don't know your money strengths, you can't use them. If you don't know what's preventing you from getting money, you will remain a money victim. If you don't know what you want from money, you may never reach your financial goals. If you aren't willing to change your money attitudes and habits, you will stay in your financial status quo. By Jaeneen Cunningham
Have you ever wondered why money seems to work so well in some people?s lives and so destructively in others? Why some people control money while others allow it to control them? Or why some of us can manage it so effortlessly to fulfill life?s plans and goals, while others never stop to question how they want money to serve them?
Kathleen Miller says that its because for many of us, money is never just money. It can represent many things: love, power, happiness, security, self-esteem. As a result, we have intense feelings about money: feelings we sometimes hide from which keep us from dealing with it productively.
Just as our feelings about money can vary, so can our behaviour towards it. Some people hoard it while others spend it like a drunken sailor. Some people take great care with their financial responsibilities, while others avoid the same tasks as if avoiding some great pain. Some people make no effort to invest, some very conservatively, and others take significant risks - often at their peril. In my time as a Finance Coach it has become apparent that it is important for each of us to understand our issues surrounding money.
In business, I have had great success using the psychology of persoanlity profiling to better understand my strengths and the strengths of my co-workers. Once I understood where these strengths lay, I stopped beating myself up because I couldn't do one thing or another and focused on the things that I was good at. I also stopped beating up on my co-workers which was also a good thing. Now I use the same psychological pricples to help understand my clients needs by conducting a Money Personality Diagnostic.
"Money can enhance happiness and prosperity, or it can destroy them. No one simply drifts to the pinnacle of success?you have to climb." Kathleen Gurney
Why do I want you to understanding your 'money self'? Because it will help you gain insight into how and why you react emotionally to money - why you have those reactions and how they affect your financial successes. If you don't know your money strengths, you can't use them. If you don't know what's preventing you from getting money, you will remain a money victim. If you don't know what you want from money, you may never reach your financial goals. If you aren't willing to change your money attitudes and habits, you will stay in your financial status quo. By Jaeneen Cunningham
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