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.

• Are your rewards really rewarding or are you just in a vicious cycle of spending? You hit the stores in search of that something special that you’ve always had to have or you just can’t live without, you search high and low for that most important possession. You spot it on a shelf tucked way inside behind other merchandise. You grab it and you can......
• 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......
• 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......
• 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......
• Low and no interest capital for investment purposes When it comes to the value of your dollars in today's economy or any other time your ability to purchase, return income on your investment has been something that eluded many would be great entrepreneurs and investors. The lack of resources to keep the fire slowly going while your momentum......

• 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......
• Great Lessons from Great Men Because I write a personal finance blog, I read a lot of books about money. I’ll be honest: they’re usually pretty boring. Sure, they can tell you how to invest in bonds or how to find the latest loophole in the tax code. But most of them lack a certain......
• 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......
• HaitiHealth.org (and personal finance links) I'm trying to spread the word of HaitiHealth.org. It's an organization that people close to me have been supporting with their time for more than a dozen years. If you are able to donate some money, it's a worthwhile cause. [Update: A reader passes on that they have the highest......

When it comes to business and life opportunities I should head to one warning. Once bitten twice shy should be the order of the day. You see I had always wanted to start my own profitable business and be the one stop shop for everyone.

The problem is I couldn’t serve every persons problem. They tell me “I already have a …fill in the blank…” or my prospects didn’t want what I had to sell. Then one day I was speaking to a very well respected marketer who asked me “who is your target audience?”

Well I have never been the same from that day forward. You see when you must become an expert in a niche you start to learn more about why and how instead of just who. Now you may be asking your self why is this important to me and my finances.

The truth of the matter is that it’s very important. Becoming a financially independent person involves the same logic. You see a marketer, network marketer or an internet marketer all face the same issues. Who is my target client?

For you it is more of a who is my target financial adviser, why should I trust them, how can they benefit me and why should I do business with them? You see marketers have leveled the playing field once and for all.

Information that has been kept secret to the elite is now available for all of those around us wanting to change. It’s now your turn to turn on the info seeker know as the little spot between your ears and listen to what’s being talked about.

I’m not talking about the everyday mainstream media I’m talking about what you never hear people say. Thing like paying it forward or investments that are not subject to the human factor called the human condition where Johnny follows Tim who heard that Sally was doing this or investing in that.

We use the world around us to cross examine our information and come up with a list of questions that will subside our concerns or fears and if you don’t get the answers you have been searching for keep on searching or uncover new questions. We simply ask it another way and see if that sparks the response we have been looking for.

Either way we as marketers have the knowledge and power to uncover what your deepest fears, concerns, and hot buttons as we call them then turn you onto some form(s) of solutions to solve your current impending crisis.

What does this have to do with changing the world around us you may be asking… Well in short it has everything. I just made you aware that your sub conscience is being exploited, your buying habits, your impulse shopping, your search for prosperity, medical research, pet concerns, the wellness of your children and loved ones.

Watch this short video below to see the power of three. Then from here it on out this is  the way life needs to be. A thought and and experiment in kindness. After the video is done look below and see my kind gesture for you.

• Skype Users Beware Hackers and malware programmers are nothing new to the Internet scene, in fact as the Internet evolves and grows into a living, artificial intelligence of it's own these threats become more and more frequent as well as evasive to those who fall victim of such threats. Now your favorite......
• The Golden Rule It's an outrage what we as consumers are being offered today. Not only are we in weak economic standards. Our savings and deposit records are at an all time low. It's no wonder when our choices offered to us for growing wealth are all in favor of the bank or......
• 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......
• Small Businesses get a big break by maximizing profits with defined benefit plans. Generally many small business owners face a dilemma when it comes to making important decisions concerning their IRA's and 401K's during the open enrollment time of the year. Many small business owners don't realize that a defined benefit plans allow higher contributions compared to traditional plans. For example a traditional......
• Finding the Value and Benefit of Using Discounted Service Providers In today’s economic turbulent times the value of the dollar is limited and consumers are searching for more economically affordable solutions.For the most part price wins decisions more often than not. Just like people searching for solutions for their mortgage people rate shop and often take a lower rate......

• Plan Your SEO Strategy by Testing Keywords Using PPC Marketing Plan Your SEO Strategy by Testing Keywords Using PPC Marketing By Simon Colley Planning any SEO strategy requires meticulous attention. As you may well have read elsewhere, one of the most important decisions a business must make is selecting which keyword phrases it wishes to target as part of its......
• Lloyds to lay off another 5,000 Lloyds Banking Group is to cut 5,000 more jobs by the end of next year as it continues to reduce overlap following its merger with HBOS last year. While almost half of these posts are among staff, 2,600 permanent jobs would be lost. The union Unite accused the bank......
• Internet Network Marketing - Building A Team I have been part of several big internet network marketing teams, the main reason why these businesses grew had very little to do with the opportunity we where all part of. The reason why it was easy to bring people into our business was because people saw the teamwork and......
• Obama At House Republican Retreat In Baltimore: FULL VIDEO, TEXT [/caption] Video of President Obama's remarks to the House Republican retreat in Baltimore on Friday, Jan. 29, 2010 and Q&A With GOP Lawmakers: Complete transcript of Obama's remarks as recorded by the White House: 12:10 P.M. EST THE PRESIDENT: Thank you. Thank you very much. Thank you. Please, everybody be......
• Network Marketing - More Ways To Drive Traffic To Your Site. In network marketing there is the sleazy underhanded way to build your business and the correct way to build your business.  There are many folks online using sleazy tactics to build their network marketing business one of these tactics is called email scraping = (Spamming). Recently I brought a product......