Funny sounding and actually quite appropriate for this time of the season. With Halloween right around the corner, the leaves turning red, orange and yellow. The sight of

monsters, goblins, creepy and eerie things that you only find in horror films. Isn’t that what this month’s tone happens to be all about?

The days are growing shorter, the nights are growing colder and nothing except those holiday jitters to face from now until after the New Year. Gosh it just seems like time has started rapidly increasing to the point that it seems there are not enough hours in the day. Those little “it can wait” thoughts about calling a creditor, arranging some payments on a past due bill.

You know what I mean all of those little things we say we will do later, such as saving up for our children’s college tuition. What about saving up for our own retirement. How about eliminating some debt to remove a burden of stress off of our shoulders.

I can remember when that feeling of debt and past due bills were eliminated from my life. I can also remember when having a credit card was such a temptation to spend while being a curse to have because I was desperate to eat and the credit card was my only source of purchase.

The core of the dilemma here is that we as humans and more so as a society have become dependent on an instant gratification type of mentality with the audacity to buy everything on credit so you have to pay exorbitant interest rates that wind up consuming every dollar you have towards getting out of debt and creating a bright future for you and your family.

So again I ask is it your fear of change, becoming debt free or some other positive shift forward in your life that is holding you back from your achievement of financial freedom. If you don’t think you are standing in your own way of success by hiding from the real truth of the matter; then you need to step aside and take a good hard look at your life from the outside looking in.

Life is full of uncanny surprises and challenges no doubt. When you learn from your mistakes you can move forward at leaps and bounds you never dreamed possible. It all starts with just a little discipline and patience. You know exactly what I am talking about… “The Pillars of Wealth” just a few shifts and you’re off and running at the races and headed straight to the wealth you have always deserved.

• Stand together and unite for wealth, strength and unity We all have our pre conceived notions as well as our reservations towards introducing new people into our lives. Having worked with hundreds of people and charting courses of financial needs and desires, I've come to the conclusion that for the people who are willing to take a chance and......
• 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......
• You can purchase an investment with a credit card 5 things to watch as you invest this way We have all heard the term leverage used when it comes to real estate and investing. Leverage the equity, leverage some one else for their skills and talents or their credit and financial stability. Have you ever heard the term leverage the credit card for making real estate purchases? I......
• What to do after you become wealthy SO you've made it, that "pie in the sky, pipe dream" your friends always said would never amount to anything. You know when you went out to talk with your associates, close friends and family for input or advice. All of your hard knocks, bloody knuckles, sweat and tears combined......
• 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......

• Travesty of the Debt Snowball aka Hello World I have a passion for personal finance... I can't get enough...  I read about it, I think about it, and now I write about it. Why does the Internet need another personal finance blog?  All personal finance blogs that I have read vilify debt, demonize it even... While such a stance is......
• Money Hacks Carnival #20 -- Personal Finance Destinations Unfortunately, our host this week was unable to fulfill the obligation, so the carnival is being hosted here at the Money Hackers Network site. This week, I will take you on a tour of the Personal Finance Blogosphere and share with you some of my favorite destinations. But first, here......
• Debt Management - Great Service to Get Free From Debts Borrowing money has become a very easy task for people nowadays. But borrowing without forethought means that the borrower will face problems in repaying it later on. Missed repayments cause debts for the borrower which is not good for his finances and credit history. So to remove these, it......
• Paying Off Debt From Inheritance The other day I was listening to a local radio show about personal finances.  The host took a call from an emotional listener (I'll call her Kelly) who had recently lost her mother to cancer. Kelly's mother left behind a $100,000 life insurance policy, along with a number of other......
• Money Hacks Carnival #87 Welcome to the 87th edition of the Money Hacks Carnival. Editor's Choice I really enjoyed these posts and think that they offer some practical tips for many people. Stop Trying to Time the Markets! was a wonderful article submitted by Man Vs. Debt. How to Retire Early has some practical tips......

Many people aren’t aware of the little laws in the IRS tax code that states not what you can put into these types of accounts, they state what you can’t put in their instead. So while people are using stocks and going mad with the market place activities, others are amassing huge amounts of wealth simply by using a combination of real estate investments.

Just as in a tradition or Roth IRA, SEP or Simple IRA, you can purchase assets the biggest determining factor you can in what type of asset will be allowed in your account is simply determined by the custodian who holds your funds.

Real estate when purchased right always beats the stock market, I heard this in a seminar once, so I stated this to my financial planner and they were irritated by this very statement. She stated to me that that simply wasn’t true. She went on to tell me why…

Yet sitting here right now I tell you that real estate is still better and wins over stock every time. Simply because of the fact that you purchase real estate and receive either immediate cash flow or equity. You can usually buy and profit from day one. No waiting to see how the market performs over time, you review the numbers and if they make sense to you and fit within your tolerance and budgeting you make the offer and proceed to buy.

You can leverage the equity in the real estate, write an option, create a revenue stream, carry back private financing and make more income than with a share of a stock. Using these tactics can really boost the profits of your child’s college funds, provide them with an excellent education, send them to any school in the world when you execute your strategy.

No child left behind should be the plans of every parent, and every teacher, not a government program to create failure by lowering the statutes for grades and graduating. Why should we place these lower standards for our children? When our global economy needs upgraded standards we’re heading back in time.

Use the resources for capital gain while securing a chance for a bright future with your child. College tuitions are high, universities are higher in cost, Why do the wealthy always seem to just get more wealthy? They know how to leverage the system. The closer your child is to graduation the more important these decisions become.

Don’t wait start using all of your resources to gain a competitive advantage in today’s awesome real estate market, use predeveloped land for a huge hedge tp rising costs of interest, food and inflation, not to mention taxes and medical, cash flow creates new opportunity you could mix in some multi family or mixed use property.

The possibilities are endless, your combination of assets are worth their weight in gold when used properly,typically again our children are unprepared for the future due to under funded college funds just like our savings accounts and retirement. Are you really preparing your child’s for the future?

Take the time to invest in someone special, the child’s life you save will be your own, make sure you provide for them and teach the the importance of creating security for their future. It’s the most important gift you can give to anyone, the secret to happiness and stress free living, share the values with your child. Make them a part of your planning and make it fun for their enjoyment.

• 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......
• Is your time “too important to run mundane errands? Just outsource then...”. Virtual assistants are popping up everywhere and handling tasks all over the spectrum. Outsourcing is the wave of the future from office assistants, gift getting, date scheduling and a variety of other tasks that would normally eat up our valuable work day hours. A simple task of scheduling an......
• Wanting to invest into real estate but your afraid of losing your employment More and more people are fearful of job loss with unemployment rates reaching new highs 11.5% unemployed rate it's no wonder people are holding back. We have not seen an unemployment rate this high since 1941 during WW2. You want to take advantage of today's great low real estate prices......
• A proven formula for a better retirement The issue of retirement has been surfacing around the social media and content of conversation for sometime now. One of the most outstanding issues is the fact that the corporate pension and retirement plans are going by the wayside. Individuals are being forced to take control of their retirement portfolios.......
• How to strategically plan for your retirement When it comes to planning for retirement you really have only a few choices to make for your future. Strategically speaking many people take the approach of “I hope it works.” People really never give their retirement a thought until it's to late. When they decide it's time for retirement......

• Know Your Real Estate Market A market analysis and foreseeing capability is the difference between large profits and negative cash earnings. Real estate market plays an important role in the process of property valuation, even more than the property itself. Therefore, next time when you are about to invest in some residential or commercial property, spending some......
• Living off dividends [or how to invest in Real Estate for cashflow] While surfing onlne, I came across this blog post: Real Estate as an asset class. Basically this guy wants to be able to live off his dividends at some point and his blog is devoted to that. He's wondering how real estate fits in. He invests in REITS but isn't......
• Is It A Good Time To Invest In Real Estate? Even though I've experienced phenomenal returns in real estate, I think its getting exceedingly difficult to invest in that asset class. If you're flipping houses and you have a good buying and selling system in place, then the story is different, but thats probably your full-time job. If you a......
• Why the Real Estate Market Slowdown is great for Consumers In the last several years, prices in many real estate markets have gone up dramatically. Many home-owners have seen double-digit gains on their homes for several years in a row, and prices just seemed to keep going up and up. Credit was offered to those who really couldn’t afford homes,......
• Investing 101: Real Estate (It's that time again; time to be subjected to get to enjoy another rousing episode of Investing 101!  In this edition, we're going to look at one of the most commonly touted investments: real estate!  There's a good chance that might already have dipped your foot into real estate investing,......