Impending such a strong and terminal word. The pure fact that something is impending (meaning to happen in the future) is a dark and ugly shadow over many people. Especially in this crazy economy we are in. You see when that word impending is used it’s in conjunction with foreclosure, bankruptcy, death. You know what I am saying it’s going to be final.

Why is it that so many people are impending financial disaster within their own lives even when they have seen the signs all around them warning them of immediate change that needs to be taken in and implemented. It sounds so crazy to me that people would still rather live in a shadowed word where they are behind glass walls, just waiting for someone to throw a stone at you.

So forget the impending problems we need to focus on the impending solutions instead. What are you faced with? Foreclosure? Not a problem. Over Leveraged Debt? Again no problem. Are you behind on taxes? Still no problem. No matter what the financial outlook seems like it can always be altered. You do not have to wait for the worst impending situation to prompt you to get help. You have leeway and lead time to get all of your ducks in a row, so to speak.

You know it feels like you are all alone when these types of financial uncertainties take form in your life, however it’s not like you just woke up one day and there was a problem. You had some insider information that warned you about this some time ago. Maybe you just need to step aside and get out of your own way.

Have you ever felt trapped by your fear or emotions? We have all been victimized by it in one way or another well it’s time to get over it. For many positive reasons. For starter imaging eliminating tons of undue stress in your life. How about the increased cash you keep from eliminating debt and start carving out a brighter future? Nothing in life is for certain except that you have to stand up for what matters most.

• When it comes to doing deals what matters most to you? As I sit ready to leave this evening to enjoy festive occasion with the staff and friends of our real estate operations I take a moment to reflect on the years past and all that has happened to this point in my life so far. I reflect the emotions of......
• Love is in the air, dating, credit cards and identity theft will be all there It happened on a warm spring evening, they were dancing, eating and sounds of fun filled the air. It wasn’t long after the evening ended the fun and festivities all disappeared. He realized his wallet was stolen; his identification, credit cards and personal information all were gone. As he rested......
• Tell-Tale Signs You Have Entered Liberation School I was reading an empowering article this afternoon which really helped me to spark an amazing idea. You know when you hit the wall in your day and you just feel burnt out and complacent in your mundane routine? You just accept it and deal with life as it......
• Using the power of the Internet and social media for a challenge I haven't been posting regularly for the past week and a half, in fact the last article I wrote was posted about using social media to enhance your real estate business. Since that writing I did after attending that seminar I have had rapid changes come to me in the......
• You can't tell people what to do I was watching the Bill Maher show last night and wow what an amazing delivery of realism and truth. You know when you catch certain conversations that lighten your spirit and open you eyes to a new idea or set of care values. So many people live jaded and......

• Book Review And Giveaway: Rich By Thirty, A Young Adult's Guide To Financial Success. I already know what you are thinking, but you can stop right now, as this book is for people of all ages. Although the title says "By Thirty", the information in this book is really meant for anyone and any age bracket can get a lot out of it. Rich......
• The Quiet Millionaire by Brett Wilder There are so many personal finance books out there and most seem to fall into one of two categories – Get rich insanely quick or get frugal to turn your life around. For those of us that want a more solid and easy to accomplish means of developing a personal......
• Pay It Down From Debt To Wealth On 10 A Day She says: This is a good book for laying out a workable plan on reducing debt.  Featuring real life stories from a special that aired on the Today show, this book helps people escape from the tentacles of debt.  The premise of the book is finding $10 per day (by......
• The world is not like me Part of growing up is learning that there are more viewpoints in the world than just our own. While we probably all realize that intellectually by now, it's a different matter to actually remain aware of the implications AND apply that knowledge to our everyday lives. It's just too easy......
• Truth Is They say adversity doesn’t make you who you are, it shows who you are. It’s there. There is more than judgement. Like language is acquired by an infant, there is a language behind the mind/body connection. There is a language by which the world is assembled, and having failed to......

I just read in the paper the other day how our state of California is proposing to cut the high school exit exam due to the exorbitant deficit in this state. Our leaders want to remove the one test that states the quality of our future leaders, decision makers etcetera. What type of statement is that?

Let’s dumb down the society so we can just keep pulling the wool over their eyes? Californian’s glad I’m not native here, I love everything here except the education system, I remember when I came here at the age of 14 and started school I had reservations then. Now that I have children I really see what the system has done.

What I propose is we start imposing limits for these teachers, the real reason that these teachers and lawmakers want to remove the exit exam is due to the hordes of failing students, yet wait also want to blame the student’s parents for the existing problems, how can we the parents stand by and watch this happen?

I was floored when I read that headline and I put the paper down, what else needed to be said I immediately stated to my wife that a reform was going to take place. Parents need to rise up and stand together on issues like th is. We need other state departments, counties and educators to unite and fight for what’s right.

All because of money, well then schools need to go digital and interactive for the majority of their curriculum and teaching then the costs of future learning. I am sure that funding is available and could also stimulate several new jobs for thousands of workers. Creating new tax revenue for the state, new dollars back into the economy and stimulating our state right out of the recession.

Law makers aren’t rational all of the time, and this would be one of the worst decisions in history for anyone to make. Eliminating the high school exit exam means that teachers are failing and the facts are obvious to anyone who has a child. Whether we have a pleasant experience with our child’s teachers or not isn’t the question here. How is our child’s grades, their confidence levels, their social skills not to mention the reading writing and mathematics.

You can’t let this happen to our children, not to our future either. We have a right to defend our children’s rights and the right to a high level quality education is their right. Don’t take the steps necessary to prevent this change then don’t complain when your student isn’t at the level they should be.

If your not involved in your child’s life you should be. Don’t sit around and sing the same old song and dance when you sit on the side lines. Interact with the Parent Teacher Organizations in your schools or the PTA’s whichever may apply. Talk to school board members about your concerns if nothing arises then take the time to at contact the board of education or higher if necessary.

I believe all teachers should be energetic, up to date on the latest learning techniques. All under performing teachers need to be assessed and placed on 90 day probation; if no improvement disciplinary action needs to be practiced. Up to and including termination.

• The rise of the sophisticated real estate investor Whew what a weekend! There were 10 year old girls screaming all weekend. Oh yeah I was at my little girls birthday bash all weekend we had fun and here on this misty rainy Monday. I had a few moments to reflect on the past event as I rose......
• Credit crunch or credit chaos what does it mean for you Chaos is in the air all around us, economic crisis, mortgage industry meltdown, global markets in turmoil and in the midst of change and economic change and recovery action plans another crisis is underway. While our country is amidst change our credit card lenders, mortgage lenders and banking systems are......
• How to Maximize Your Earning Potential Maximizing your earnings isn't rocket science. I've said it a thousand times before and I will continue saying it another thousand times more. It takes basic discipline and pratice to overcome any obstacles in life. First off you need to know where you are by taking a good look at your......
• What credit card companies and credit bureaus don't want you to know Sounds funny that your credit card companies and the credit bureaus share some trade secrets that are actually in place to do you more harm than good. For example many credit card companies wil extend you credit even if you can't really afford it. When you apply for credit the......
• Organizing your daily financial routine Wealth it all starts with a concept, the challenge is making the mind choose from the heart. I know this may seem funny at first but you will soon realize that your actually doing it. You see when you make choices they always come from the heart first, then the......

• Teach Your Children Well - Financial Education Starts at Home  This is a guest post by Carson Brackney, writer for Personal Finance Analyst. Personal Finance Analyst is an online community of bloggers dedicated to taking the mystery out of money and helping you to live a happier, more successful life with the money you have. Financial struggles and poor money......
• Should They Teach Personal Finance In High School? My wife and I were discussing this the other night and both of us thought it was ridiculous that they don't teach a personal finance class in high school, at least not when we were in school. Is it any wonder that when kids go off to college they rack......
• 10 tips for talking to teenagers about investing If you have teenagers, then this thought must have crossed your mind at some point: "if only they would do some of the things I wish I had done!" Maybe you always dreamed of visiting Paris or taking a year off after high school to try your hand at......
• Money Management During Tough Financial Times Personal money management can absolutely be a challenge, especially when you are tight on cash. Payday never seems to come in time, and your pockets probably feel empty long before the bills have all being paid up. Here are some basic but essential tips for money management that can help......
• Central Falls High School To Fire Every Single Teacher CENTRAL FALLS –– The teachers didn’t blink. Under threat of losing their jobs if they didn’t go along with extra work for not a lot of extra pay, the Central Falls Teachers’ Union refused Friday morning to accept a reform plan for one of the worst-performing high schools in......

More and more families and seniors are becoming homeless, hard pressed and losing hope. Our economic situation is largely blamed if you listen to the news and public media. With our credit and financial market devastated and spiraling downward at an unprecedented rate many people are left wondering what will happen to them.

Job losses and layoff are peaking in many Bay Area cities as well as many places around our country. Yet when we look past our own circumstances what do we see. People still out and about, shopping, dining and enjoying life.

Even in their darkest hours the people we pass on the streets while we walk or drive by still keep on pushing forward. Many families have lost their nest eggs, retirement and rainy day funds. Yet the credit cards and general consumerism mentality still have a tight grip around the general public at large.

These stressful situations can create a world of uncertainty for many and for those who have had about enough this can be the straw that breaks the camels back. I was with a dear friend the other evening having a quiet evening in with him and my wife.

We had a nice meal for supper and then sat down to watch an old favorite of his with Michael Douglas as the leading character in a role for a movie called “Falling Down”. If you have ever seen this particular film than you can relate to what I am about to say.

If you haven’t I suggest that you rent it asap. Scene sets the stage here… William (D-FENS) just wants to get home to see his daughter on her birthday. Unfortunately, nothing seems to be going right for him.

This is in its simplest form a scenario of today for many people “nothing seems to be going right for them”.

In an instant when a chain reaction of events takes place a simple defense worker “William A.K.A. Bill” has a short circuit followed by a brief anxiety attack. What happens next is a series of events that takes Bill on an uncanny almost hilarious adventure of sorts all on a journey to his destination; to see his daughter on her birthday.

The mishaps and perils of Bills adventure are scenarios we are faced with everyday during every waking hour. As his journey continues and his mishaps perpetually grow in adversity and consequence Bill lashes back at each and every one of them until he finally reaches home.

Along the way Bills Ex Wife tries to deter and change Bills mindset on coming home. Apparently Bill has had episodes in the past that made his ex wife feel threatened and afraid of what could happen.

The climactic shift is at the end of this film where Bill has a very difficult choice before him; face the charges from his mishaps from his journey or die. Yes I said die! This was an unfortunate altercation of good guy goes bad and the devastation created in his wake were more than enough to secure him in prison for the rest of his life.

Here Bill took the cowards way out and opted for a one way ticket straight to Heaven or Hell which ever one took him I suppose.

Now back to modern day for a moment … I am not suggesting you opt for a way out by means of violence, or inappropriate behavior or misconduct, what I am offering you is simply a solution to your everyday challenges.

Starting from the gate is not an easy alternative for many. Those who have fallen and those who are about to fall can clearly feel those words. I too have fallen and more so than once. I have had to pick myself up and continue in the darkest of hours in the most desperate of times.

I know what it feel like to have your world ripped out from beneath your feet. I also know what it’s like to finally get far enough out of your hole to see the forest through the trees. To have a goal and to have the guts to get back up and run the race one more time take more than persistence; it takes guts, confidence, pride and belief that your doing the right thing.

Think for a moment that your troubles are a far distant memory, worries have been forgotten and your financial picture is one of beauty and elegance. You have arrived. You have given your all and the rewards are plenty. This is the freedom of choice, the freedom to believe in something that is you and at the very same time something that is much bigger than you.

There are usually three types of people in the world

1) Those who sit idly by and let things happen to them

2) Those who wonder what is going to happen to them

3) Those who make things happen to them.

Are you a 1, 2 or a 3? It’s really a simple choice to make until you stop and consider the consequences.

If you are a one and you constantly sit ny and let life happen you’re going to be watching life from the sidelines. Seeing everything you have ever wanted become someone else’s reality.

If you are a two you’re like a one except you are willing to consider making a choice if it has the right feel, well maybe I’ll just watch and see if she become or he becomes a success and then well maybe. I used to be this way.

If you are a three well congratulations! There aren’t very many threes out there anymore. Especially when it comes to taking a risk; Whoa, did he just say risk? Yes I said risk, not that life in its own right isn’t a risk, it is by all means especially in todays world.

You risk your life every time you set foot in traffic, climb on a bus, go outside and walk down the street. Those aren’t the risks I am speaking of I am merely speaking of the risks that it takes to change your situation.

The risk of becoming successful, abundant, idolized in your niche; the risk of possibly even falling down; have you ever had a hunch and gone with your gut only to have things not go the way you planned? I know every success has faced challenges and adversity along the way.

You need to know that eliminating risk is all a matter of simple planning and mind set. Then by taking action you ensure success. Even if it’s a baby step towards your ultimate goal it’s still progress.

Are you looking for a way to take control of your own life, starting your own online business is a fantastic way to take control of your financial future. Don’t wait until life happens to you and reach that point where you fall down on your own luck like William did. Take pride and use his determination to guide you.

• You can't tell people what to do I was watching the Bill Maher show last night and wow what an amazing delivery of realism and truth. You know when you catch certain conversations that lighten your spirit and open you eyes to a new idea or set of care values. So many people live jaded and......
• Love is in the air, dating, credit cards and identity theft will be all there It happened on a warm spring evening, they were dancing, eating and sounds of fun filled the air. It wasn’t long after the evening ended the fun and festivities all disappeared. He realized his wallet was stolen; his identification, credit cards and personal information all were gone. As he rested......
• Death often brings new life My father died today and this is not a cry out for support or sympathy, rather when death comes to visit the stay cannot be too long. It's swift, fast and sometimes can linger on. I spoke to my father just last evening, he was witty and wild on the......
• She Stole His Heart Then His Wallet Identity theft it happens all too often in this country. I heard this story from a close friend of mine a few years ago. It blew my mind away to learn just how far people will go to harm another. No there was no domestic violence or beating, no......
• Planning your way to wealth When it comes to wealth creation planning is the most crucial element. This requires forethought as well as accountability to your financial advisers, your actions as well as your overall strategy for amassing wealth. Planning your way means you actually sit and evaluate your past, present and future financial needs.......

• How To Get Over Your Ex If a person has an experience that is physically, mentally or emotionally traumatic, the mind deals with the situation in one of several different ways. Some people abuse alcohol, food, drugs or other substances to numb the feelings they have inside. Others mourn for a short period of time,......
• A Tribute to Fred Rosen - Not the Final Tribute! Douglas McArthur once said that "Old soldiers never die; they just fade away." But the general never met my dad, who this week begins his own process of fading away after serving on the front lines of wine and spirits retailing for three generations. Recently, my family gave up......
• Indulge Abstinence can be freeing in a way. It leads to greater indulgence, and allows for informed choice. Abstinence lets you really feel and understand your own being, and how you are letting it reflect in the world anyway, but it needn’t be compulsory. Rather than "never do this" and “always......
• State of Knowing I am talking about a respect that stems only from awareness, and empowers choice rather than making you feel you must do only one thing. Awareness means knowing? Yes. A knowing from being and respecting being of others. Being is not out of order, but we are taught to think,......
• Top-Ranked Federer, Williams Win Singles Trophies at Australian Open The top ranked players in both men's and women's tennis took home the trophies at the 2010 Australian Open. Roger Federer won the men's singles competition after losing there last year to Rafael Nadal, the number 2 ranked player who dropped out of the Aussie open this year because of......

In an article posted in the Wall Street Journal a look at the current economic outlook is viewed. Possibilities can vary widely depending what your outlook at the current situation is.

We are mirroring what Japan’s economy did in the late 80’s and 90’s when credit was easy and interest rates were low.

This is why  it’s imperative that you learn to protect your assets and your net worth from economic pitfalls. Using safe and sound investment strategies to not only grow your personal portfolio, you also need to hedge against economic setbacks.

Using land banking as a safe and sound strategy to grow your wealth and minimize or often eliminate  the many risks associated with traditional investments.

Here is the article from the WSJ Enjoy the Read

• Back In The Business of real Estate and Mortgages To my loyal readers I have made the switch to add mortgage and real estate services back into the mix of products I provide. I am still very much into the land banking business. As a real estate investment coach it is imperative that I take advantages of the current......
• Tread Carefully in order to protect your nest egg Retirees have been hit with a double whammy, losing returns and pulling from their nest egg to cover traditional living expenses. While immediate needs are crucial to survival it may not be the best choice. Take a look at what you need to do to cope with the current losses......
• Cash is king' in market for foreclosed homes i read this article a good friend of mine sent to me today. It's very true living in the current real estate bubble we are in is a risky place. Have we bottomed out who really knows until we finally see the turnaround take place.There is a lot of controversy......
• These 29 Tips To Help Save You Money Funny how when we look at money, financial affairs and wealth we often overlook some of the most simple things. For example what about cutting back on items or finding ways to save on the purchases of the items or services, I read this article in Readers Digest a couple......
• Retirees scared and unprepared for retirement In today 's volatile economy coupled with the onset of a recession many retirees and retirees and pre-retirees are faced with many challenges. The most crucial challenge is having enough to live on without having to find other sources of income through working into their golden most precious time in......

• Lessons Learned: What Has the Economic Crisis of 2008 Taught Me? Today I ran across an article from the Wall Street Journal saying Maybe There Is an Upside to This Mess, which as the title suggests, is trying to make a lemons to lemonade argument. While I firmly believe that every crappy situation has lessons to be learned, I couldn't help......
• Warning:Elder Fraud on the Increase  There is nothing that angers us more than an elderly person becoming a crime victim through elder fraud.And it's on the  increase, even though the problem has always been with us.  But there is more help now and new laws are being written to put heartless criminals who prey on......
• Realizing The Finite Availability Of Fossil Fuels Is Fundamental To Climate Change Talk. The debate surrounding the extent to which the burning of fossil fuels leads to climate change misses a more fundamental point. That is, fossil fuels are an inherently finite resource. This resource is dwindling at an accelerating rate as economies such as those of China and India expand rapidly. Fossil......
• Just How Safe is Your Money Right Now? Even after the government took the opportunity to step in and bail out one of our largest insurance companies, the stock market still managed to find a way to completely tank, because many investors were not persuaded that this intervention was going to protect their investments. This is when you......
• Try Trading Gold As a currency trader it is very likely that you also keep an eye on the price of gold, because as you well know, there is often an inverse correlation between the strength of the U.S. Dollar and the price of gold. Never has gold been in greater demand than......

William Poole who was president of the Federal Reserve Bank in St. Louis from 1998 to may of this year when he reached his mandatory retirement age.

Poole says we are in a delicate state the federal reserve has to be cautious because of the accommodating economy we are in. His guess is that interest rates will go us instead of down.

To learn the views from a man who sat in the chair go here

http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/07/06/BU7B11JL8P.DTL&hw=The+Ex+fed+President+says+more+needs+to+be+done+to+fight+inflation&sn=001&sc=1000

• Accountability on Wall Street Someone had to take the rap and do the perp walk. This time it was Ralph Cioffi and Matthew Tannin the hedge fund managers at the very former investment bank Bear Sterns. With all of the devastation from the housing crisis, toxic securities and bad loans we have spiraled......
• Word to live by from buy land and wait As the famous Warren Buffet would say I only have two main principles when it comes to money and investing. Rule number 1: Don't lose any money Rule number 2: Remember rule number 1 Watch this short video then read on Even in these turbulent times of market volatility, extreme......
• A new way for homeowners to cope It wont be long before congress decides on passing legislation to assist the unfortunate homeowners who have fallen victim to erroneous mortgage resets, plunging house values and an array of other financial difficulties. The legislation would assist homeowners under stress refinance into FHA backed mortgages as long as their......
• Network Marketing Endorsed By President Bill Clinton It's no secret that network marketing is the least expensive way to start and grow a business, you have pre built business plans, products and unlimited growth. What surprises me is that I have seen more and more people endorsing network marketing over the past few years than ever before.......
• 10 credit score commandments I just found the great website called mint.com if you have not been here before I suggest you check them out. Free accounts to help your money management. As I was toying around the site I found this great article about the "10 commandments to credit."Forget making changes to your......

• In the Studio with David Choi - Video Blog 21 - Wong Fu Productions Event already happened! Watch the actual music video HERE: www.youtube.com All music is by David Choi. Yup, he's just that talented that he can make a crunk, "jonas montana", AND smoove version of his song. www.youtube.com Subscribe to him!!! FACEBOOK: Wong Fu's www.facebook.com David's www.facebook.com TWITTER: www.twitter.com www.twitter.com www.twitter.com......
• Read My Lips, I am Raising Your Taxes WASHINGTON: "Those who cannot remember the past are condemned to repeat it" so goes Santayana's Law of Repetitive Consequences. One thing you can't criticize President Obama for is unwillingness to follow the example of Republicans. In 1988 presidential candidate George H. W. Bush pledged, "Read my lips, no new taxes."......
• Bush Plans to Host World Summit to Address the Current Credit Crisis The United States President George Bush recently announced his intention to hold a world summit involving leaders from all around the world in order to discuss the global financial crisis in the near future. What he did say however is that any financial reform should absolutely not come at the......
• Federal Job Description Do you know what a position description is? Should we have one for our Federal staff? Am I arrogant enough to think that I could or should write them? I think you know what one is, that we should, and likely that I am. Thankfully, some before me did a......
• Roger Federer and Credit Suisse Sponsorship In the long list of celebrities/sportspersons-corporate partnerships, the latest is the Roger Federer-Credit Suisse sponsorship joint program. The Credit Suisse partnership is the latest in the list of partnerships Federer is in involved in; he is already involved in endorsement deals with major corporate such as Mercedes Benz, Rolex, Nike,......