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How Millionaires Get to Be Millionaires
by: Daegan Smith
Money is not just a necessity nowadays; it has become a supplement for sustaining wealth and luxury. Anybody of practical reason who’s being asked will have to say that riches should provide for the next generations. Having this thought in mind, everyone are craving for millions even teenagers earn and work out to look forward the future having a house with a large open space, elegant façade and wheels in the garage. Yet there are only few steps, hints of answers revealed by these millionaires global wide.

Before you can manage a large amount of money learn to handle the coins in your hand. Lisa Van Duesen, a Vietnamese now a mini mogul at US was once sunk in debt and penniless. She sold her house and mortgages an amount of $ 200,000, paid her debt and move to settle in the green pasture of US. They sacrifice from eating lavish foods and satiated in rice and soy sauce as their everyday meal. She worked hard as a real estate broker after college and invested her money to real estate properties that soon earned her 40% equity. Learning fro her work, she buys and sells using the bank's money wisely placing them according to her needs. She purchase whatever that has value and can be sold with interest and plan it financially. She recovered from having sky-high debts to rising assets using only what she has into a profitable cause.

Follow your parent’s advice, earn a degree.

Education is a key factor in understanding how money talks and that are by having one potential, being knowledgeable. Invest in your mind. Acquiring a degree is gearing yourself with skill that can be used and valuable in the market. Arturo Gonzalez, son of the Mexican railroad worker dreamt of making it on top. He has promised himself of two possibilities in his life, Harvard or Bust. Later on he was accepted and pulled himself with ambition to Harvard Law School. He then land a job in San Francisco based law firm and has an income about $ 740,000 in 2003, according to the American Lawyer Magazine. This undeniable manifest how education could earn you a living.

Positive attitude towards life spiced with perseverance.

Behavior towards work and the optimism that boost up your moral after you tried hart. Starting a small business is already hard enough, to most of people especially when the resources is scarce and debts is high, study shows 20% are struggling small enterprise, according to SBA ( Small Business Administration office of Advocacy).

Rossie Herman, 42 and a resident of Tomball, Texas had experience a lot of struggle just to get her she is now. She took all the risk even placing her in $ 75,000 debt going form one credit card to another which normally happens to about 46% of small business as of 1998, SBA says. She is a manicurist who has two daughters to raise and convicted herself to get out from debt. Often people slam their door in her face during her marketing strategy of house to house delivery." It was frustrating and tough", she admitted. Yet willingness to succeed paid off. The key there is not by quitting but pursuing.

Invest and Save.

The problem of the most entrepreneurs are recognizing only on what goes in the pocket but not knowing what goes out. Spend only what is not more than your budget and compromise from it. Save, save and play out to invest it when the economy is not shaky. One of Oprah’s best advices during her talk show is that a good financial planner must always sign their own checks. This is to monitor what is left and what needs to be saved or else you’ll end up bankrupt without even knowing it.

Time is always essential.

Multi tasking is the best way of achieving your goals in a short time, this means use your potential in dividing the task to others while focusing on what needs to be done. Most of us try to do a lot of things in a short amount of time and end up finishing nothing at all. Always get your priorities straight and focused baring in mind that investing on it will profit you in the end.

About the author:
Daegan Smith is the leader of the fastest growing team of successful home business enterpernuers on the net. Find out how we're creating financial freedom all across the globe and how to get in on the action FREE =>http://www.comlev.com Team Blog: http://www.turnkeyinternetbusiness.blogspot.com


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How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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