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 cautions with their expenses only on short term. An 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, that 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 detox of this unusefull 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 hide your credit cards somewhere in the house and fight the instinct to use them. Also, using only cash, you will make a lot of savings.

You will not pay interest rates and commisions, and you will spend less. Because it will be more difficult for you to VISIBLY spend, versus credit card spendings, 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.

If you are facing problems on several debts, do not worry. In this fast competitive world, you have to deal with almost everything, no matter how negative the situation is. And to help you remove more debt, personal debt management has come to be.

As a borrower, we seek assistance on debt when you have multiple debts, and when you find a way to manage this growing problem. With personal debt management, you can really change the story. Because once you apply for personal debt management program, you need neither to respond to several creditors with respect to your multiple debts. Instead you the flexibility to convert the debt into one loan. This is indeed a great way to eliminate your debts and to give you a quiet life away from annoying phone calls and reminders from creditors.

With personal debt management, not only is a chance to merge your debts, but also get the opportunity to pay off lower interest rate. This makes the refund process easy and affordable.

You can manage your debt both secured and unsecured form. For secured debt consolidation, you need to your property any place of security as a loaned amount. Whereas, unsecured debt consolidation does not require property to be placed as security. Just accessing your employment and financial creditor will offer unsecured loan. Personal debt management advice can be accessed from the duty of experts who will guide you through the process of consolidating your debt and will offer suggestions on loans and lenders. You can access these through the online lenders. Method of consolidating your debt through online is fast, secure and reliable. Get fast feedback from creditors and debt experts. In addition all your information is kept secret.

With personal debt management, you need to not respond more on your creditors more debt. Instead, you get the flexibility to convert the debt into one loan. With personal debt management, not only a chance to merge your debts, but also get the opportunity to pay off lower interest rate.

Hey, need a job? A finance job? Are you sure? I case u haven’t noticed, finance background people are being laid off (and their bosses are getting huge primes)… Now is not a very good for those guys

But, in spite of all the negatives and downfalls of financial sector, still there are a lot of finance headhunters that keep looking for candidates, just in case.

Here are some great finance headhunters:

- monster.com, careerbuilder.com, jobsinro.ro and hotjobs.com – I know, these are not the classical finance headhunters that would expect. But ALL the finance headhunters are peaking at this huge websites databases. So, it’s a great idea to publish/update your CV on these sites, because you will be noticed and eventually contacted

- Korn Ferry

- Adecco

- Lugera&Makler

Also, if you search on google, you will find hundreds of companies (national or local) that can offer this service. In order to be crunched by this finance (or others jobs) headhunters, you should get all email addresses from them and send them a letter of intention to them.” Hi, my name is…, by background is… please save my cv there for further jobs you might have in finance. bla bla”

And, if you send many emails, applying pure statistic, you will be contacted by headhunters Good luck

Do you have a finance strategy? And when I ask “you” i mean individual or company.

What is Finance Strategy? (with my own words)
Designing a way to obtain certain objectives through the financial methods

Why is good to have a finance strategy?
Because it can bring you tons of money, it can help you save a lot, it brings peace of mind and will minimize the risks of going bankrupt

What are the elements of the finance strategy?
The resources (existing and periodically cash flows), the contracts with financial institutions (including the leverages – existing commissions of changing currency, interest rates, potential stock portfolio, etc)

Who can have a finance strategy?
Well, companies should have it… Because they do have money and need for money, and those money can help you or not. For example is a petty to have cash and keep them for the currency of the daily account and not moving them into higher pay interest rates (savings account, bonds, stocks, etc). Also normal people should have a financial strategy. Actually, this a major flaw in the actual learning system, because you are not been told how to manage your money. And 95% of Americans are living without a clue how to save their future. People are spending from credit cards, they believe the non-sense about public pensions funds, etc.

I strongly suggest everyone to improve their financial background and have a strategy by their own, in order to gain financial independence. Otherwise they will be slaves for ever.