Does Money Make Money?

If it is your goal to accumulate wealth, believing the fallacy that money makes money, will hinder your progress to no end. This belief stifles many to a life of failure, and misery.
The goal setting theory of motivation means that you need to be positive – and realistic – to be able to reach your goal, especially if that goal is to make money.
How many times do we hear that “money makes money.” Money can make money just as easily as Ferrari can win the Grand Prix without Schumaker in the driver’s seat.
“Ferrari is the Grand Prix world champion.” Do we say that? “Microsoft invented Windows.” Do we say that? Or do we say, “Schumaker is the world champion.” And “Gates invented Windows.”? Of course we give credit to the person, or people. And that’s because that is the reality.
Money is an innate, lifeless thing.
To illustrate…
Let’s say we want to make our money grow, then we place a $100 note in a tin and bury it, and a year later we return and dig it up. How much money will there be? Only our $100 note we placed in the tin. There is no way, on God’s green earth that there can be one cent more than the original $100.
People make money! And people lose money!
Certainly, money can earn interest, but the person (or rather the person’s intelligence) is required to invest the money to earn that interest. … Read more

How To Find Cheap, Affordable Health Insurance

There are many options available for health insurance plans. You can become a part of an affordable employer-sponsored health insurance plan, if your employer offers health care benefits to his or her employees. You can purchase an individual health insurance policy. If you qualify, and have no other means of obtaining affordable health insurance, you can even take advantage of any state-sponsored health care plans your state offers.

There is also another way to obtain cheap, affordable health insurance. You can purchase a group health insurance policy without the help of your employer.

You may be wondering how you can purchase a group health insurance plan if you are not actually a group. There are actually several options available to you. Take the following three for examples:

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are group health insurance plans that allow you to see certain networks of doctors and other health care professionals for a cheap, affordable group health insurance rate. Many employer-sponsored group health insurance programs use HMOs or PPOs; however, you can sometimes buy into one yourself.

Group Managed Care

Group Managed Care is a long term health insurance plan offered by an organization, such as a club for alumnae of the university from which you graduated, or a club for individuals of similar interests or occupations. For example, if you are a freelance web designer, you may find an association – or club – created … Read more

Secured business loans: before you take that big business leap

Business loans form a significant part of the lending industry. With so many people applying for business loans, you must be wondering how many of them actually get them. The increase in amount of business loan every year shows the swelling in the approval rate on business loans. So, what are your chances of getting business loans? I say, attach a security to business loans and your chances are bright. Secured business loans are loans for specific purposes namely business. There is no better terminology for business loans with opportunity.

Before you apply for secured business loans check out your borrowing capacity. Every business is different, which means there will be no universal method to know the cost and therefore budgeting is important. This enables you to deduce whether you can afford secured business loan or not.

Tuck in those documents! Generally a secured business loan borrower would require few of the documents for approval. First and foremost is the business profile – discussing the nature of business, annual sales, length and time of business ownership. In case of a new business you would require to protect the loan plan and how the business would be successful enough to pay back the loan. For secured business loans the loan application will also include a loan request. This will include the type of secured business loan required, the amount and the purpose (how the funds will be used).

Secured business loans … Read more