Is The Market Going To Crash?

As you may know, the Dow Jones dropped more than 1,000 points last week.

This had Wall Street running like headless chickens.

Should we panic? Are we close to the next big crash?

However, what does that mean? Why should we care if we don't invest in the market?

Moreover, if we do, with more reasons we should continue reading this.

Well, to clarify, this is the 2nd time this year that the market dropped over 1000 points. It happened back in February.

The reality is that when the market goes up in a straight line, there has to be a time of correction.

The market goes up steadily and slowly, but the corrections can happen erratically and rapidly.

This is when financial education becomes essential.

Because we want to make money and grow our money, but for sure we do NOT want to lose it.

The problem is that there is so much information out there that we get all confused about what is right and what it is not.

And at the same time, there is such a lack of information

However, there is...

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3 Tips to Attract What You Want, Especially Money

I want to share with you a straightforward process to manifest and attract anything you want in your life, especially money. 

It is such a simple process that most times we take them for granted. But it works for me and works for a lot of people.  So I dare you to try it!

  • Ask for what you want- If you are looking to manifest more money into your life. Then ask for it.  How much money do you want?

Start with an amount that is a little stretch but at the same time something that is realistic to achieve. 

For example:  If you are making 5,000 dollars a month, you probably might want to ask for 7,000 to 10,000 dollars. 

So you can either increase a little what you want or double what you are already making.  You can use this formula for any amount of money.  (ex: $100,000 to $1,000,000)

  • Get excited about your vision!  Heck yeah!!  It is done, it is done!  Do you see it?  See the money in the bank, write the check...
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3 Things That Parents Should Do To Teach Their Kids About Money

Who do you think is responsible for teaching your kids about money?

The parents.   

It is funny that as parents we teach our kids a lot of skills, but we fail to show them something as essential as managing money.

 Today I am going to share with you three things that you can do to help your kids understand the concepts of Money. 

 Children start deciding about money as early as three years old.   If you don’t think so, ask yourself, who chose the cereal or the juice at the grocery store.

  • Give them a budget allowance.

Typically, I suggest to give them a week allowance base on their age. 

If your child is 7, then $7,  6, $6, 5, $5 and so forth. 

  • Make sure to take out 10% for taxes, 10% for giving at least 10% for savings or investments.

This will give them a sense of reality and teach them good habits for then on. 

  • One way to show them the concept of money is to let them spend the money on what they want, but once...
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How To Declutter Your Life And Get More Abundance?

One thing that can make us feel overwhelmed, stressed and broke is clutter. 

A lot of people don't think about this, but there is a huge correlation between how your life runs and clutter. 

When you are surrounded by clutter, your productivity will decrease.  You can miss bill payments and offers.  You could lose valuable things.  

It is time for Spring Cleaning and it is perfect to do some decluttering in your life. I am going to be sharing with you, what is the best way to declutter in order to attract more abundance in your life.

Your Environment:

When you are surrounded by clutter in your home, your car, and your work area, you will spend more money.

You also going to lose track of things and your financial debt will increase. This will put you in a vicious cycle of confusion, chaos, and stress.

Test your surroundings, look around every single area of your house, your car and workspace and ask yourself, what do you see?

Open your drawers,...

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April, Financial Literacy Month

APRIL IS FINANCIAL LITERACY MONTH.

Do you know what the lack of financial literacy is costing you?

It is costing each individual in the U.S. a minimum of $10,000 a year.

The lack of financial knowledge is the main culprit. Only five states in the U.S. require financial education in high schools and California is not one of those states.

It is time for you to become financially literate. It is time for you to learn about and take control of your money.

In this class, you will discover financial strategies and concepts that typically only the wealthy know.

This mind-blowing class will not only allow you to learn these strategies but also to apply them immediately.

The key to building great wealth is having great knowledge. Then take immediate action as well as having the wisdom to know which course of action is the best for you.

It's time for you to make your own financial decisions. You can be in the driver seat of your finances.

Are you ready to increase your confidence about money...

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16 Financial Mistakes To Avoid

This is your life's dream, to become an entrepreneur.  You want to leave your 9-5 and achieve your dreams. You know that the journey, the endless hours and sacrifices will be worth your time because, in the end, you will achieve financial freedom.


But with entrepreneurship comes some risks. Most businesses don't reach the 5-year mark. Why? Because of mistakes that have caused them to fail.


Today I am going to show you the 16 biggest mistakes new entrepreneurs and business owners make and how to avoid them.


Not Doing Research
Before going into business, you have to do your research. Is your product needed in your current market? Do I know who is your ideal audience or client? Who is your competition? Trust me, you do have one.


Make sure to do your research prior to spending a cent on anything else. What is the point to start a business where no one needs your product? Create momentum for your product with your potential clients even prior to spending anything.


Not Having a...

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3 Truth Bombs About Choices And Money

 

A lot of times we say that we don't have any money.  In my experience with my clients, the problem is not that they don't have the money, but more of where they are spending their money.  

What are your priorities?  Where do you rather spend your money? 

If you have a job and you don't have money to invest for your future, most likely is due to poor money management.  Do you even know where is your money going?  Are you tracking your money?  Where are your priorities? 

I see a lot of people that as soon as they receive their money, instead of paying themselves first, they pay off their debt.  Others, just have no control over the money.  As soon as they get it, they spend it in fun or just going to bars and clubs or eating out all the time. 

Unfortunately, a lot of people are just living day by day, pay check to pay check and that is very concerning.  A lot of people are not living at their full potential and...

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The Un-retired Baby Boomers

It is being said that Baby-Boomers rather being dead than broke. This is their #1 fear. 

According to a survey made by Allianz; nearly two-thirds of baby boomers or 63% fear running out of money in retirement more than death.  

Because of this, they are seeing saving for retirement as a necessity, like food and shelter.  

These days people are living longer.  We have been able to find a way to extend our lifespan, however, we have not been able to find a way to expand our profits.  

After so many Baby-Boomers lost part or their whole retirement during the market downturn.  They are spreading the word that saving for retirement is a big deal.  Again, they feared to be broke more than death.  

As they approach retirement, some realize that they just cannot retire.  Even employers are realizing that the 65-year-old mark for retirement is no longer realistic.  Most employers know that people might...

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Are You Financially Fit? Take The Assessment

One of the biggest worries here in the US is money.

USA Today reveals something alarming when it comes to debt in the US and quote:

"The average American household carries $137,063 in debt, according to the Federal Reserve's latest numbers."

"Yet the U.S. Census Bureau reports that the median household income was just $59,039 last year, suggesting that many Americans are living beyond their means."

Also, the average student loan is about $50,626.00, putting Millenials in debt right out of college.

What all of these means to us? 

This means that the cost of living is higher than our income.

What can we do to change this?

Basically, we need to get educated about money.

It is time to put our money where financial institutions put their money and not put it in the financial institutions.

We also need to change our perception when it comes to money and when it comes to debt.

We need to eliminate our limiting beliefs when it comes to money.  

We need to get educated on the...

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Talking Finances With Your Significant Other

 

The number one reason couples split up and ended in divorce is Money

One reason is that they have a different point of views on how to manage the finances. The other reason is that they both have weak money habits and cannot handle it correctly.  

The lack of communication in a lot of couples could create more debt in the household.  Why?  Because where there is not a good communication, it creates a void. And most likely, shopping, things will be filling up the emotional gap. 

Ask Yourself: 

Are there any secrets when it comes to finances within your household?  Sometimes one of the spouses doesn't know what the other is either spending or saving.  A lot of times, one of them don't know what the other's income is.

They do talk about money, but not openly and honestly. 

  • I know couples that purchased things behind the back of their spouse. 
  • I know couples that one of them have a secret savings accounts because...
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