Guaranteed Personal Loan

Guaranteed personal loans are a wonderful option and can be utilized for a variety of reasons. With a wide range of lenders competing today, a borrower has a wider choice of options available. Here is an overview about the type of loans, their uses, benefits, drawbacks and finer points.

Uses of guaranteed personal loans

Guaranteed personal loans can be used for a variety of reasons. This can include home improvements, purchasing furniture, dream holidays, to pay off high interest rate loans and credit cards, debt consolidation, medical expenses, starting up business or pretty much any other reasons you can imagine as long as it’s legal! These can also be used to fill the gaps between paydays with necessary funds. These can be obtained from banks, specialist loan companies, credit card companies and other financial institutions. These are easier to obtain if you have collateral to secure them against.

Requirements to qualify for a guaranteed personal loan

While it is easy to qualify for and obtain a guaranteed personal loan, lenders make the process tougher by often asking for unnecessary documentation. However the important documentation that is often required includes credit reports, proof of identity, proof of residence, salary statements, bank statements, your attest salary slip and proof of your duration of employment. Employment information is sought because a guaranteed personal loan requires the borrower to have a certain income level per month. These loans also require a good credit rating for the borrower to gain approval.

The market

Today’s market for loans and the loans industry has evolved to a large extent. Over a decade ago it would not have been as easy to obtain a guaranteed personal loan. However, today the market has changed with increasing numbers of players and options. With the Internet entering the scene, applying for such loans and processing them has become much faster. Different providers continue to offer lucrative options to tantalize and encourage customers to place their business with them.

While this creates a happy scenario for prospective borrowers, it may be wise to remember that the cheapest loan is not always the best. Consider the loan provider and their reputation in the market before deciding to apply for the loan. Read the small print carefully and look out for the interest rate, pre payment penalties and delayed payment penalties if any. Moneyeverything.com offers comprehensive loan comparison service with options for those who are on the lookout for a good loan. Visit www.moneyeverything.com and check out loan details with advice and answers to your questions.

I write articles on Loans. For more details please visit http://www.moneyeverything.com

[tags]Guaranteed personal loans, personal loans, loans[/tags]

Guaranteed Personal Loan

Guaranteed personal loans are a wonderful option and can be utilized for a variety of reasons. With a wide range of lenders competing today, a borrower has a wider choice of options available. Here is an overview about the type of loans, their uses, benefits, drawbacks and finer points.

Uses of guaranteed personal loans

Guaranteed personal loans can be used for a variety of reasons. This can include home improvements, purchasing furniture, dream holidays, to pay off high interest rate loans and credit cards, debt consolidation, medical expenses, starting up business or pretty much any other reasons you can imagine as long as it’s legal! These can also be used to fill the gaps between paydays with necessary funds. These can be obtained from banks, specialist loan companies, credit card companies and other financial institutions. These are easier to obtain if you have collateral to secure them against.

Requirements to qualify for a guaranteed personal loan

While it is easy to qualify for and obtain a guaranteed personal loan, lenders make the process tougher by often asking for unnecessary documentation. However the important documentation that is often required includes credit reports, proof of identity, proof of residence, salary statements, bank statements, your attest salary slip and proof of your duration of employment. Employment information is sought because a guaranteed personal loan requires the borrower to have a certain income level per month. These loans also require a good credit rating for the borrower to gain approval.

The market

Today’s market for loans and the loans industry has evolved to a large extent. Over a decade ago it would not have been as easy to obtain a guaranteed personal loan. However, today the market has changed with increasing numbers of players and options. With the Internet entering the scene, applying for such loans and processing them has become much faster. Different providers continue to offer lucrative options to tantalize and encourage customers to place their business with them.

While this creates a happy scenario for prospective borrowers, it may be wise to remember that the cheapest loan is not always the best. Consider the loan provider and their reputation in the market before deciding to apply for the loan. Read the small print carefully and look out for the interest rate, pre payment penalties and delayed payment penalties if any. Moneyeverything.com offers comprehensive loan comparison service with options for those who are on the lookout for a good loan. Visit www.moneyeverything.com and check out loan details with advice and answers to your questions.

I write articles on Loans. For more details please visit http://www.moneyeverything.com

[tags]Guaranteed personal loans, personal loans, loans[/tags]

Growth in Tech Becoming an Issue

The tech sector will continue to be the place to make money but it is also a sector that can be quite volatile. One major mistake and you can find yourself on the sidelines looking in.

Over the last two weeks, I have been noticing several key bellwether technology stocks warning of slower growth or reduced expectations. The problem is when the NASDAQ is rising as it has been in 2006, you really have to take a step back and evaluate the current situation.

Internet advertising king Google Inc. (GOOG) recently warned investors to expect slower growth. The stock sold off and investors started to question the valuation of the tech sector.

It was the first warning ever by Google and shows that no company is immune to bad news. Of course, Google executives subsequently tried to reassure investors that all was not bad and that it would eventually become a $100 billion company.

The reality is Google appears to be giving out mixed signals and in fact is just trying to do some damage control, especially when the stock has seen tens of billions of dollars in market-cap vaporized. The truth of the matter is there clearly are some growth issues. And if the advertising cycle reverses or slows, Google could be heading much lower than the current price.

Just last week, another Internet bellwether stock, Yahoo Inc. (YHOO) warned investors to expect lower revenues in its first quarter, something that should be viewed a red flag to investors.

Research in Motion (RIMM, TSX/RIM) made a downward revision in its Q4 earnings to between $0.64 and $0.64 per diluted share, down from the previous forecast of $0.76-$0.81. Q4 revenues were axed to between $550 million and $560 million, down from $590 million to $620 million. The consensus Street estimate was $0.78 per diluted share on revenues of $608.6 million according to Thomson First Call.

RIMM attributed the decline to uncertainty regarding its e-mail service in the United States, but it may also signal market share gains by its rivals.

On Monday, bellwether Texas Instruments (TXN), the top supplier of mobile phone chips, gave the market a mixed message. Texas increased the lower end of its profit range for the first quarter to $0.31 per share, up from the previous low end of $0.29 per share. The problem was the top end was left unchanged at $0.33 per share, something the market was clearly not happy about, with some selling in the stock in after hours trading on Monday.

The point is the market wants to hear good news and Texas failed to provide it. Even on the revenue side, the new range of $3.22 billion to $3.35 billion was marginally light on the top end compared to the previous range of $3.11 billion to $3.38 billion provided in January.

So despite the strong sentiment towards the NASDAQ and tech stocks this year, the recent reports from some of the key bellwether stocks may make you want to take a pause.

Note: you are welcome to post this article on your site if it is financial related. You must cut and paste the bio and make sure the web site link is live. Also please e-mail me to let me know.

George Leong is the founder of Investornomics.com (http://www.investornomics.com) - a provider of independent stock and option trading commentary. He has a degree in finance/economics and offers over 15 years of research experience in investing and trading.

[tags]stocks,investing,trading,options,technical analysis,george leong,money,finance,small cap stocks[/tags]

Growth in Tech Becoming an Issue

The tech sector will continue to be the place to make money but it is also a sector that can be quite volatile. One major mistake and you can find yourself on the sidelines looking in.

Over the last two weeks, I have been noticing several key bellwether technology stocks warning of slower growth or reduced expectations. The problem is when the NASDAQ is rising as it has been in 2006, you really have to take a step back and evaluate the current situation.

Internet advertising king Google Inc. (GOOG) recently warned investors to expect slower growth. The stock sold off and investors started to question the valuation of the tech sector.

It was the first warning ever by Google and shows that no company is immune to bad news. Of course, Google executives subsequently tried to reassure investors that all was not bad and that it would eventually become a $100 billion company.

The reality is Google appears to be giving out mixed signals and in fact is just trying to do some damage control, especially when the stock has seen tens of billions of dollars in market-cap vaporized. The truth of the matter is there clearly are some growth issues. And if the advertising cycle reverses or slows, Google could be heading much lower than the current price.

Just last week, another Internet bellwether stock, Yahoo Inc. (YHOO) warned investors to expect lower revenues in its first quarter, something that should be viewed a red flag to investors.

Research in Motion (RIMM, TSX/RIM) made a downward revision in its Q4 earnings to between $0.64 and $0.64 per diluted share, down from the previous forecast of $0.76-$0.81. Q4 revenues were axed to between $550 million and $560 million, down from $590 million to $620 million. The consensus Street estimate was $0.78 per diluted share on revenues of $608.6 million according to Thomson First Call.

RIMM attributed the decline to uncertainty regarding its e-mail service in the United States, but it may also signal market share gains by its rivals.

On Monday, bellwether Texas Instruments (TXN), the top supplier of mobile phone chips, gave the market a mixed message. Texas increased the lower end of its profit range for the first quarter to $0.31 per share, up from the previous low end of $0.29 per share. The problem was the top end was left unchanged at $0.33 per share, something the market was clearly not happy about, with some selling in the stock in after hours trading on Monday.

The point is the market wants to hear good news and Texas failed to provide it. Even on the revenue side, the new range of $3.22 billion to $3.35 billion was marginally light on the top end compared to the previous range of $3.11 billion to $3.38 billion provided in January.

So despite the strong sentiment towards the NASDAQ and tech stocks this year, the recent reports from some of the key bellwether stocks may make you want to take a pause.

Note: you are welcome to post this article on your site if it is financial related. You must cut and paste the bio and make sure the web site link is live. Also please e-mail me to let me know.

George Leong is the founder of Investornomics.com (http://www.investornomics.com) - a provider of independent stock and option trading commentary. He has a degree in finance/economics and offers over 15 years of research experience in investing and trading.

[tags]stocks,investing,trading,options,technical analysis,george leong,money,finance,small cap stocks[/tags]

Going Public via Initial or Direct Public Offering The Role of Your Board of Directors

A company’s board of directors can play an important role in determining the kind of funding a public offering receives. If going public is your goal, the selection of board members should be given especially careful consideration.

The board of directors serves a couple of important functions for a company that has gone public or plans to in the near future. First, the selection of particular board members can send a signal to investors regarding the quality of a company and the expertise behind the scenes. A board that is composed of highly-regarded experts in a field will be viewed much more favorably than a corporation with a board made up primarily of insiders. Knowledgeable outside experts bring connections, expertise, and a lack of bias that cannot be obtained with insiders.

The board of directors also serves as a powerful ally to stockholders, particularly when a company’s CEO doesn’t own a controlling share of the corporation. In addition to providing guidance, the board of directors may have the ability to overrule the CEO. In some cases, it can even remove the CEO from the company. Because all major corporate issues go through the board of directors, stockholders are wary of a company with too many insiders on the board.

In preparing for an initial public offering, it may be necessary to establish a board of directors or change the composition of your existing board. To maximize the effectiveness of your board, be prepared to perform a realistic assessment of your current management, along with its strengths and weaknesses. In areas where your management is weak, select board members who are strong. This ensures that board members can be an actual asset to the company as opposed to mere placeholders.

Because the board of directors exists to oversee the corporation and preserve shareholder value, it is important that your board is perceived as objective, if not slightly biased in favor of stockholders. While appointing outsiders is a good start, it’s also important to align the incentives of the board members with those of the shareholders. Providing compensation to board members in the form of company stock is an excellent way to accomplish this. If the board of directors does well when the company does well, the board of directors will be much more inclined to ensure that the company performs well.

While the relationship between management and the board of directors may seem adversarial at times, it’s important to remember that everyone involved has the same larger goal, to ensure the well-being of the company. Unfortunately, numerous opportunities exist for unscrupulous managers to sacrifice the company’s best interest for personal gains, leading to occasionally tense relations for even the most honest managers. Understand why the board of directors exists and learn to consider the board members your allies instead of your enemies. By working together towards the common goals of profit and expansion, your shareholders will grow to trust that your company and your board of directors is acting in everyone’s best interest.

Joel Arberman is the Managing Member of Stock Aware, LLC. We publish a free investment research and analysis newsletter and offer investor relations and investor awareness services. Learn more at StockAware.com

[tags]going public, initial public offering, ipo, finance[/tags]

Going Public via Initial or Direct Public Offering The Role of Your Board of Directors

A company’s board of directors can play an important role in determining the kind of funding a public offering receives. If going public is your goal, the selection of board members should be given especially careful consideration.

The board of directors serves a couple of important functions for a company that has gone public or plans to in the near future. First, the selection of particular board members can send a signal to investors regarding the quality of a company and the expertise behind the scenes. A board that is composed of highly-regarded experts in a field will be viewed much more favorably than a corporation with a board made up primarily of insiders. Knowledgeable outside experts bring connections, expertise, and a lack of bias that cannot be obtained with insiders.

The board of directors also serves as a powerful ally to stockholders, particularly when a company’s CEO doesn’t own a controlling share of the corporation. In addition to providing guidance, the board of directors may have the ability to overrule the CEO. In some cases, it can even remove the CEO from the company. Because all major corporate issues go through the board of directors, stockholders are wary of a company with too many insiders on the board.

In preparing for an initial public offering, it may be necessary to establish a board of directors or change the composition of your existing board. To maximize the effectiveness of your board, be prepared to perform a realistic assessment of your current management, along with its strengths and weaknesses. In areas where your management is weak, select board members who are strong. This ensures that board members can be an actual asset to the company as opposed to mere placeholders.

Because the board of directors exists to oversee the corporation and preserve shareholder value, it is important that your board is perceived as objective, if not slightly biased in favor of stockholders. While appointing outsiders is a good start, it’s also important to align the incentives of the board members with those of the shareholders. Providing compensation to board members in the form of company stock is an excellent way to accomplish this. If the board of directors does well when the company does well, the board of directors will be much more inclined to ensure that the company performs well.

While the relationship between management and the board of directors may seem adversarial at times, it’s important to remember that everyone involved has the same larger goal, to ensure the well-being of the company. Unfortunately, numerous opportunities exist for unscrupulous managers to sacrifice the company’s best interest for personal gains, leading to occasionally tense relations for even the most honest managers. Understand why the board of directors exists and learn to consider the board members your allies instead of your enemies. By working together towards the common goals of profit and expansion, your shareholders will grow to trust that your company and your board of directors is acting in everyone’s best interest.

Joel Arberman is the Managing Member of Stock Aware, LLC. We publish a free investment research and analysis newsletter and offer investor relations and investor awareness services. Learn more at StockAware.com

[tags]going public, initial public offering, ipo, finance[/tags]

Going Public via Initial or Direct Public Offering The Role of an Underwriter

Perhaps the most visible and familiar element of the initial public offering process is the underwriter. The underwriter is the organization that is actually responsible for pricing, selling, and organizing the issue, and it may or may not provide additional services. With direct public offerings, there is no need for an underwriter.

Selection of a good underwriter is of the utmost importance, but it’s important to understand that many underwriters are equally selective of their clients. Because an underwriter’s reputation depends on successful issues, few firms will be willing to stake their reputation on questionable companies.

When selecting an underwriter, it’s important to seek out an established company with a good reputation and quality research coverage in your field. The decision may also depend on the kind of agreement the underwriter is willing to make regarding the sale of shares. For profitable and established private companies, it shouldn’t be difficult to locate an underwriter willing to make a firm commitment arrangement. Under such an agreement, the underwriter agrees to buy all issues shares, regardless of ability to sell them at a particular price.

For riskier or less established companies, an underwriter may offer a best efforts arrangement for the initial public offering. A best efforts contract requires the underwriter to buy only enough shares to fill investor demand. Under this arrangement, the underwriter accepts no responsibility for unsold shares.

Aside from fees and sales arrangements, most underwriters are fairly similar in their roles. An underwriter will assist in the preparation and submission of all appropriate SEC filings, helping potential investors make informed decisions about your offering. All underwriters are required to exercise due diligence in verifying the information they submit, so a certain amount of investigation should be expected from any responsible underwriter.

In addition to SEC registration filings, the underwriter will create a preliminary prospectus that will become a major part of the issue’s marketing campaign. This document is also referred to as the red herring, after a small red passage in the document that states that the company is not attempting to sell shares prior to SEC approval.

Once SEC approval is obtained, the underwriter and the corporation will embark on a road show to gauge and attract interest from investors. While the road show does not involve getting binding commitments from investors, it helps the underwriter determine the best strategies for pricing and issuance.

After the initial public offering, the underwriter continues to provide services for the newly public corporation. For months or even years after the offering, the underwriter may continue to make a market for the stock, ensuring liquidity for investors and making the shares more desirable. Twenty-five days after the issue, the underwriter is also permitted to make statements or projections regarding the company and its prospects. Prior to that time, there is an SEC-mandated quiet period, since investors are forced to rely only on the documents filed by the underwriter. Most underwriters opt to provide favorable coverage at the end of the quiet period.

Because an initial public offering is so complex and expensive, it’s important to have a good understanding of what to expect from an underwriter. Without knowing what to expect, it’s impossible to make a wise and informed selection.

Joel Arberman is the Managing Member of Public Financial Services, LLC. We help private companies through the process of becoming publicly traded via an initial public offering (ipo) or direct public offering. Learn more at Public Financial Services

[tags]ipo, finance, going public, go public, direct public offering, initial public offering, underwriter[/tags]

Get the Ball Roling

The following contains general information on how to take action in starting the process of getting out of debt. A lot of which may seem elemental however, it is hard to re-invent the wheel, but one can always look at it in a different light thus discovering some ideas or some motivation to help their debt situation.

So you find yourself in a debt bind, with bill due dates approaching and things not looking pretty in the bank account. You wonder how you let yourself get to his point, or perhaps there were some things beyond your control such as unforeseen surprise expenses. Regardless you are at a point where the debt downward spiral (having to take loans to pay other loans) is looming. What is one to do?

First off get the attitude of taking charge and making a difference with it. My suggestion is to attack your debt head on, hit it hard to start and you will get the ball rolling in taking charge and managing your debt. But how you ask…Look around you, what do you have in your possession that you can live without? Perhaps an old bike, barbeque, old children’s toys they no longer play with etc. What do you have to loose by having a yard sale?

A few hundred dollars can often be scrounged up by selling old items that you don’t even use anymore. Think of some other ways to make (save) a few dollars. How often do you eat out? Could you cut back? How much are you paying for your cable TV., could you get a cheaper package? But what is really important in doing this is that you start the ball rolling. Just for arguments sake, lets say that you owe a creditor $5000 and the annual interest is 12%. If paying $200 per month, it will take 29 months to pay the debt off. Now what if you have put together a bit of money and where able to put down $700 on it and were able to pay $230 per month by cutting back in other areas. Then you have cut it down to 21 months. And you have saved ** $270 in interest charges in the process. But then this amount of $270 can then be put on other debts you may have or invested to earn you money. So you can see that by paying off debts is very advantageous indeed.

Do your homework, count the costs, round up old items to sell, determine ways in which to save. In doing so, it will be a great help in getting out of debt and saving yourself money in the process. Take the matter seriously and to start really try to pack a big punch in paying off a chunk of the debt, you will do yourself a big favor in the months to come in saving interest charges.

** Calculations are: 29 month X $200 = $5800 21 months X $230 + 700 = $5530
For a savings of $270

Kevin Dunham is the owner of http://www.debt10.com/ Visit this site for more Debt Consolidation Information.

[tags]Debt Consolidation, Finances[/tags]

Forming a Good Budget

Everyone makes budgeting mistakes. It can take several trial and error months to get it all right. Budgets are constantly evolving. You have to work hard to find one that works for you. But there are mistakes you can avoid.

Here are the top nine mistakes that people make when budgeting:

Mistake #1: Using preset categories that fit someone else's personal spending habits, not your own.

You can't cookie cutter yourself into what anyone says your finances should be. Work with your spending and your goals to form a budget.

Mistake #2: Inaccurately setting your income level.

Look at what you are making right now. What is your take-home pay? Don't project your future bonus into your income until the bonus is in your hands.

Mistake #3: Too few categories

You can't have a budget that doesn't allow for groceries or gasoline money. It isn't an accurate picture of your spending. Have categories for each of your costs. You don't have to be detailed down to the cent, but don't leave things out.

Mistake #4: Forgetting yearly expenses.

Remember to include the expenses that don't occur on a monthly basis, such as personal property taxes, service contracts, homeowners insurance and so on.

Mistake #5: Not tracking your cash spending.

Cash is one place where money leaks right out of a budget. It disappears really quickly and, often, you can't remember where it went. Make sure you right everything you spend down or keep receipts for record keeping later.

Mistake #6: Forgetting to budget in savings.

You need to treat your savings just as you would any bill that must be paid. Remember, pay yourself first? That applies to your budget. Take out the savings before you spend money.

Mistake #7: Not sticking with it.

Budgeting takes a commitment and a good attitude. You have to be willing to review and change your budget as needed. You need to look at it several times a week to keep it fresh in your mind. Make it a priority. After all, it is the one way your financial goals will be realized.

Mistake #8: Writing unrealistic goals.

Budgeting isn't all about your spending. It's about your goals. You may be wanting to save for a house, buy a new car or get out of debt. Others are looking to retire well and put their kids through college. Whatever your goal, you need to set it realistically. Sit down and really look at what you will need to do to reach your goal. Then put your plan into action.

Mistake #9: Feeling bad over mistakes.

We all stray. It happens. Budgets aren't set in stone and can be evolved. If you are feeling guilty about constantly breaking your grocery budget, perhaps you aren't overspending, you are simply underbudgeting. Remember, you have to spend money sometimes. Do it and get on with getting your budget to work for you. Keep moving forward towards a budget that will work for your goals and finances.

Martin Lukac (http://www.MartinLukac.com), represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

[tags]budget,debt relief,debt consolidation,personal finance[/tags]

Financial Freedom is Found in the Money Bucket

Everyone has a money bucket. The status of your money bucket
determines if you have financial freedom or financial bondage.

Financial freedom brings freedom, savings, and enjoyment in
life. Financial bondage brings extreme debt, worry, pressure,
stress, and other problems.

Let me explain about the money bucket…

Imagine a five-gallon bucket with a garden hose pouring water
in the top. In the bottom of the bucket are many small holes.
Water is constantly leaking out of the bucket at a rapid rate.

You money bucket is the same. You have your income coming in
the top through your job, investments, etc. Since it takes money
to live, your money is leaking out the bottom to pay bills,
house payments, food, etc.

--Financial Bondage = your money is leaking out faster than it is
going in. In other words you are spending more than you make.

--Financial Standstill = income and spending are equal. You are
living paycheck to paycheck and are not getting ahead or behind.

--Financial Freedom = the money is coming in faster than it is
leaving so you are building up your savings. Freedom!

If you have financial freedom, great! However, what if your
money is leaking out faster than it is coming in?

If this is the case, you need to…

Improve your Money Bucket

There are two ways to improve your Money bucket:

Option #1: Open the hose more (increase your income).

Many opt to for this solution. Usually this is through working
more hours or having a second job. This at first seems like the
best option and it can improve a person's situation. However, it
is not as great as it sounds.

Take this example:

Joe is making $2500 a month. Currently he is spending $2800.
$300 a month is leaving his bucket. This is financial bondage.

Any extra hours he works will earn him $15 per hour. He can
work 20 hours more per month and the $300 will be taken care of--
Right?

Wrong. In his tax bracket, every extra dolor will be taxed at
25% federal, 7.5% social security, possibly 4.5% state, plus
sales tax when he spends the money. So at least 37% percent of
his additional income will go to taxes.

He has to earn not $300 to balance the budget, but $476
dollars. Instead of working 20 extra hours he will have to work
an extra 32 hours! This does not include extra gas and other
expenses.

Turning on the hose of more income is good and sometimes the
only option. However, it may not always be the easiest or best.

The second option can actually be the easiest and best, though
it will take some effort.

Option #2: Plug the holes (Spend less).

Impossible, you may say. Three steps will help you.

Step 1: Identify the leaks.

Keep receipts and write down the exact amount you. It only
takes a few minutes a day or week. At the end of the month look
through and see how you have spent your money. It can be
shocking learning where all the money is leaking out.

Step 2: Identify the leaks that can be reduced plugged.

Some can be plugged others may be reduced. Americans spend an
average of $3 a day at vending machines. If this describes you,
that will save you over $90 a month if you cut back. Evaluate
and see what leaks can be taken care of.

Step 3: Plug the leaks.

Now that you have identified what can be cut out, do it.
Reduce the spending. Take the necessary steps. Will it be
painful? Probably! You have two choices in life:

Choice #1: Short term pain (spend less), long-term gain
(Financial freedom).

Choice #2: Short term gain (spend more), long-term pain
(Financial bondage).

How is your money bucket? If it is leading you towards
financial bondage, take action now. Either plug the leaks or
increase the income. Financial freedom is found in a sound money
bucket.

Bryan Falls has a passion to help people improve their life in
the areas of health, relationships, finances, and personal
success. He shares the secret to financial freedom at his
website: http://www.improveyourlife-now.com/finance.php

[tags]finacial freedom, finances, debt, money, budget[/tags]