FINANCIAL FREEDOM

What is financial literacy or financial education?
Most people think money will solve their problems.Intelligence solves problems and generates money!In live it is not how much money you make,it is how much money you keep that is more important.

If you want to be rich and financially free,you need to be financially literate.Financial literacy is the cornerstone that financial freedom is build on.When you build a large building you need a strong foundation.The first stone you lay is called a cornerstone.

You need a strong cornerstone if you do not have a strong cornerstone the building will collapse.Most people want to be rich but they do not have a strong foundation or cornerstone to start from.The cornerstone to being rich is financial literacy.

The most important cornerstone is called a asset!!!The first and most important thing you must know is what is a asset and what is a liability.The difference between this two words make one man rich and the other man poor.

To be rich you must buy assets.Yes that is how easy it is.The problem is that most people buy liabilities that they think are assets.Rich people know the difference and spend tier lives buying assets.

Most people cannot read numbers!!!
The problem is that most people can not read numbers.Numbers tell a story when you know how to read it.When you put words in a certain order they a story,but if you put the same words in a different order they tell a different story.The same is true about numbers.

What is a asset ???
a Asset is anything that put money into you pocket without you physically having to work for it.A liability is any thing that take money out of your pocket.

That sound easy,but the reality could not be further from the truth.As we all know money moves from you income[salary] to your expenses[tax,food,fun,clothing,mortgage,est.Put in other words.Money flows from your income statement to you expenses statement.Money are also could cash so it is fear to say that cash flows from your income statement to your expense statement.That is the cashflow of a poor person.

The cashflow of a person in the middle class is as follows.Their cash flows threw their income statement to their liability statement[mortgage on own home,consumer loans,credit card,est.], then to their expense statement and out the door.

a Rich person's cash flow is from his assets{stocks,bonds,notes,rental income,est.} to his income statement.He does not work at a job for his money,his money works for him.

The cashflow tells the store!It is the cashflow that tells story.The story off how a person handles his money,what they buy or do with it after they get it in their hands.

If you give a poor person more money they will turn around and spend more.a Person in the middle class will turn around and buy liabilities that they think are assets.The rich person will buy more assets,assets that will put more money into his pockets and become richer.

The bottom line is that most poor and middle class people work hard for their money,but they do not get ahead in live,why?The reason being that they do not have any financial education or financial literacy.They do not know how to spend their money.How to buy assets or make their money work for them.They do not know the way their cash is flowing.

If you want a live of abundance you have to read this

NEXT ON RICHES TO YOU-Is your house a asset or a liability???

BUSINESS OPPERTUNITY[HOW TO]

How to obtain a business of your choice for free?

Is it your dream to one day own a business of your choice,but you think you do not have the money.With the formula that will be posted in this article,you can own the business of your choice for free.


To own your own successful business is one of the main ways to become rich and be financially free.Your own small business will also provide you with enough free time to enjoy the good thing in live.The things that does not cost money,time with family and friends.You will also be able to bay all the things you dream of having.


With this secret formula you can bay a successful business of your choice,worth hundreds of thousands of dollars without paying a single cent for it.You heard right you can literally receive a well established successful business of your choice for free. How is this possible?It boils down to you purchasing the business by means of a five year bank loan.The purchase price of the business should be determined so that,the monthly loan instalments can be paid in full from the monthly profits from the business.By doing this you do not pay a single cent from your pocket for the business.


The trick is to place the right purchase price on a business.
This is where the secret formula comes into play.If you use this formula you can be assured that your loan repayment will be covered by the business profits.


Are you ready for it.All you need to remember is the figure 3.905.Then the next step is to look for a business that the purchase price is equal to 3.905 times the business yearly cash profits.
If the purchase price is equal to 3.905 times the yearly profits,your loan can be entirely payoff from the profits of the business.Thus the business will cost you nothing out off your own pocket.


OK lets test the formula.
Lets say a business makes a profit of 10 000 dollars per month,or 120 000 per year.[Annam] If you use the formula you must purchase the business for 120 000 x 3.905 = 468 600 dollars.a Bank loan of 468 600 at a interest rate of 10.5 per Annam[year] over five years gives you a payment of 9 970 dollars per month.


The business monthly profits is 10 000 dollars so the business pays for itself.That is magic , you get you the business of your dreams for free!!!


There are more good news.There are lots of business that are Les than 3.905 and the interest rate is not that high.So go and get your dream.

Every business has one does yours

BUSINESS TOOLS AND TIPS

Five ways to obtain free advertising.

[1]Arrange a cleanup day in your area.

You can sponsor a cleanup in your local area.You can target a river,park for your clean up.If you get local schools and child organization to help with the clean up the newspapers ,radio will give you free advertisement about the event and your business.The sponsorship can only cost you the price of some refuse bags and some ice cream for your helpers.

[2]Organise training for the less privileged Arrange training in hand skills for the less privileged.

Skills like wood cutting,embroidery,car repairs etc.You can get people to give the training and because you are helping the less privileged,you will have no problem in getting free publicity for your business.

[3]Arrange fund raiser for charity of your chois.

Make your business premises available as a contact point for fund raising for charity purposes.You can let your offices be used as address to which people can send and deliver goods they want to donate to welfare organizations.This you can inform your local radio and newspapers about.In doing this you will get a lot of free publicity for your business.

[4]Arrange day for young entrepreneurs.

You can contact your local chamber of commerce and arrange a day for young entrepreneurs.Your business will generate great free news media advertisement for arranging the day.

[5]Find work for disabled people.

Make contact with other businesses in your area and with them organize work opportunities for disabled people.With this kind of charity work your business will get a lot of free publicity

But if you really want to make you business great then read this now