Finance and Refinance

The entire world is in debt. Every individual is in debt. Every company works on debt. The financial teachings say that you must use other people’s money to evolve.

Cash only strategy is one that can save you right now. I read nowadays that with this crisis, the old school capitalism is dead, and it will be followed by an era of savings. I personally think that the image of the crisis is too fresh in our minds, so people will be cautious with their expenses only on short term.

On middle term they will be lured to enter again in the marketing/buying spiral.

Cash only strategy helps you make a safe heaven around you and your finance. The credit card is a bad invention, which let simple, stupid people (which count for 95% of Earth population) to enslave themselves, buying on expense of their future life.

Actually, is a comparison that you can make with selling your soul to the evil one . You get instant reword on the expense of future life

Using cash only can help you detoxify of this un-useful habit. Try for a week to pay everywhere only with cash. Sensing the hardcore cash, will make you more responsible, will make you more aware of the limits of your financial strength.

Try hiding your credit cards somewhere in the house and fighting the instinct to use them.

Also, using only cash, you will make a lot of savings. You will not pay interest rates and commissions, and you will spend less. Because it will be more difficult for you to VISIBLY spend, versus credit card spending, which are thin air…

USE CASH ONLY for a week. And then use cash as much as possible. And after that, use a debit card, not a credit card, because debit card will not let you spend more then your limit

CASH ONLY strategy is good to survive during a recession, like this one, and make you a happy life.

I saw that a lot of people are interested in “cash gifting programs“. How stupid can they be?

I know that people usually are searching for the shortest road between 2 points, and they want to believe all those free cash advertisements. Do you really thing is that simple? Do you really think that cash gifting programs are for real? If those would really be out there, why not everybody is so rich, earning millions of dollars.

Cash gifting programs are scams, design to lure stupid people, to engage on their weakens and believe that fairytale exist. “Earn 1000 usd/day.” “No, with our program you can win 2000 usd/day…” And so one. Stop dreaming, start thinking. Because I don’t want to say start working, because if you work (as employee) for sure you will not make money, more then the survival.

When you see a cash gifting programs, think twice. Am I stupid? These winning fast programs usually ask you money in advance, to reveal the secret to you. And the secret is … you need to think and work smart to win a million dollars

I believe that the actual crisis is a TRUST related crisis. Banks don’t trust anymore the clients to give them loans, people don’t trust the government, people don’t trust the economic climate to take new loans… Trust is kind of… over. And when the optimism will come back and spending will rise, then we can say that the recession is over.

Anyway, I thought to put here some methods to GENERATE TRUST (for potential clients in particular, to increase your sales).

1. the website should be professional

2. the emails you are sending should be signed, personalized, not from “financeANDrefinance.com team”, but from “The Finance Guy”. It helps increase personal relationship and preference

3. you need a human face on the site. If the potential client wants to give u money, you need to show him that you are a real person, not a crook

4. show testimonials, but not the fake ones, invented (John. T – Ohio – “You guys are great, Thanks”). No, I mean video testimonials, from recognizable people, preferable VIPs or from companies that we all know. I’m sure you know somebody famous directly or through your friends network

5. be visible. Show your linkedin account, myspace account, facebook account, …

6. Google yourself and see what others will see about you. Be carefull from youth what are you posted on the net. If you post picture with you naked and drunk, don’t expect to receive a banking top management job too soon

7. ask others to link towards your site. This is sort of a testimony that you are ok (on a specific keyword)

8. show that you are a leader – make a blog and post your ideas. Teach others

9. try to speak at all possible conferences (to be recognized as a leader in your field)

10. external shell counts. Everything is this world is based on perceptions. So, you should be excellent at this area. Hair, smile, skin, clothes, car,

11. have u appeared on TV, in shows, interviews? or advertising something? this advertising endorse you a lot. Or if a brand u worked for appeared on TV

12. generate trust by writing articles as guest in famous blogs, magazines

13. make a video by yourself an post on you site, saying something to the clients. Be impecable

14. …

Good luck generating trust

You know what is the best advice that you will ever get regarding how to make money?

STOP WORKING!!!!!

Because working kills your brain. It makes u dumb. If you work for others from 9-5 (or in this crisis from 9-9), you will get tired too soon to be able to think for yourself. So you will hit the bed too soon and next day the cycle continues.

So, if you want to make money, U need to force yourself to have quality time to THINK. Because thinking will get you money, not working like a slave for your owner.

Good luck

The idea is to own stocks from people lives.This is the way to make really big money

Let’s say I am earning 1,000 usd/year and I will live for 60 productive years.

If I buy an insurance every year for 50 usd/year, that means that 5% from my life I am working for AIG masters.

Also I am working for Nokia (every 2 years another phone), Audi (my ever changing car, with high devaluation rate), Citibank (interests, commissions, etc), Wall-Mart (food, water, …), Pfizer (drugs), Coca-Cola, local mafia, US government (through taxes) etc…. all of them own a piece of me. I work full percentages of my life for various masters. I am slave on their backyard. Because I choose to buy various stuff from them, in order to get some sort of added value.

So, the bet in how to make big money is to own from as many people a larger stake as possible. The US state is the biggest master. You HAVE to pay that master, otherwise IRS comes after you and you go to jail.

So, if you want to have a business, consider how can you make as many slaves as possible. There you have the BIG money

Ever wondered how to make money on Internet? Here are some options:

1. post something on existing classifieds sites for sale: craigslist.org, ebay.com, kijiji.com, etc. Sell your cat, you phone, your grandma jewelry, your SEO services, etc. And you can automatize. You can sell hundreds of cats, phones, grandmas….

2. on your site(s), you can post Adsense, or similar CPC services. Of course, you need to have quality visitors, that will be interested in the ads supplied and click on them

3. join affiliates networks. Sell other people’s stuff. Brilliant idea. You focus on one thing and let other bother with all details: stocks, sales, getting the cash, handle the pranks, pay commissions to the banks, logistical problems, etc.

4. sell stuff on your own site: e-shop (for standardized products) or other type of sites (for services).

5. steal credit card numbers from stupid people (stupid enough to give them to you) or from unsecured website databases. Well, you can do this if you wanna spend some quality time with no computer with some quality strong and happy-to-see-u men

6. have a website that provides services to people and charge them for it. Post classifieds, post job announce, help people get a babysitter, sell xxx pictures.

Good luck making money!

7 ways of getting quick cash

I thought of listing some methods of getting quick cash. Maybe it will help somebody. The order is random:

1. Get a quick loan
Now there are a lot of loan providers, that can help you get a loan in 24h, 1h, instant, minus 1 hour, etc. Go there, apply for a loan and you get served

2. Rob someone
This is a quick way to get quick cash. But you have big chances to make a quick visit to state prison. So is not very wise

3. Go hire yourself.
The problem here is that you will not the cash quicker then 1 week/month.

4. Ask a friend to give you the cash
Once a very smart man said that the value of every person is the amount of money he can gather at 1 am calling his friends. So, the idea is to have good friends or family, so they can give the cash quick

5. Sell something
Yep. But first you need something to sell. Jewels, real estate, a car, stocks, bonds, something with resale value. Most of the stuff we buy have almost zero resale value (clothes, food, electronics, white goods, etc)

6. Make a quick business.
Basically is the above point. Post an ad on craigslist, saying you sell something, you sell and repeat the process. Make sure that you have something standardized that will sell quickly, otherwise you will be stuck with the merchandise

7. Gamble
Well, this is more a quick loosing money solution and earning it. At least try something you have 50%-50% chances. My suggestion is, if you really need quick cash, DON’t gamble. Otherwise there are big chances that you will need MORE cash

Good luck

There is no such thing as a free lunch.

How stupid are most of the people that ask for a credit (especially quick loans) and then cry because the interest rates are too high, the total payment is almost double then the credit itself, etc?

The capitalist bastards that offer quick loans and rip off poor victims. What a cliche, don’t you think?

Quick loans nowadays you can find all over the net. There are tons of providers. Just sign the contract (electronically) and they will send in your account the cash.

Of course, greedy and mostly stupid people that take these loans are not paying attention at all conditions, and event they do, they do not calculate the opportunity of getting one of quick loans. Do they really need? Or is for stupid things? Hell knows…

Always there is a trade off. Do you want quick loans? Then the costs will be higher. Do you want normal (as time) loan? It will be easier to bear the costs. The rule of thumb is: convenience cost. Quick means more expensive. Are you sure you want a quick loan? Maybe 500 USD you can borrow from your parents/friends/coworkers.

What do you think? Still interested in quick loans?