Finance And Refinance .com

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.

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After this crisis, I think that the next movement will be CASH FINANCE

What is CASH FINANCE
There is paper/electronic finance and cash finance. Now since the invention of the credit card, in the past 100 years we are living in an electronic world, where 90% of the money does not exist in physical world, only in computers. So, after living with so much money only in electronic format, and living on debt, I’m sure that capitalism, as we know it it will change. That means a more attention on present, on consuming what you are producing. That means a (more) cash oriented economy, not plastic, like now. That is cash finance.

What are the chances that cash finance will kick in?
Even I wish to come, I believe that humans, in their infinit stupidity they will prefere the easy way. And the easy way means living on credit, like they are use to. How to a ask a cauch potato to live based on what it’s producing? You can’t

Where it will be implemented cash finance?
Well, I think that it will be implemented in less developed countries (because they are now at this cash stage:) ). And some smart people from US will start be more rational about spendings. Cash Finance helps you keep expenses under control. With the plastic credit card, you cannot feel that you are spending. You are not feeling the effort. Is statistically demonstrated that you are spending more slow cash then credit :)

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Do you have a goal in your financial life? Do you want to reach somewhere? Do you want a SIX figure income? Do you want financial freedom?

Then think for yourself.

1. You cannot become an employee. Because even if you earn six figure salary, overall you are trading your time for money. If you stop working, you stop earning money. Your six figure income is going to the drain.

2. You should reach this financial freedom only if you are earning those money through other means, independent of your time. Would it be nice to earn a six figure income even when you are sleeping? Or you are going into vacation? This would be nice, correct?

3. A six figure income could come from the following directions:

- make a site, get some traffic, sale things on it (monetize it somehow). Replicate this 100 times

- create a flow of money. Or better, insert yourself in an existing flow of money. That means see there money flows, go there, open a new business selling standardized products and promote yourself. You will get some of the existing flows of incomes, and hopefully reach a six figure income

- invest in something: create a franchise, invest in real estate, create a patent. This way you will get money when you sleep and you will put your money to work, not your time.

You need to have a big objective, that will focus your activity towards it. A six figure income could be such objective. Also, you need to set daily, monthly objectives, that will work towards the big objective. Try to be smart earning that big income :)

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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.

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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 :)

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Keep looking for answers on how to make money? Here is a simple answer. Use “large numbers theory”.

Basically, you have a conversion rate between the actions you are doing with the outputs you are getting. Let’s say you need to contact 100 potential clients to sign one contract. That means 1% success rate. How you can make money? Increase DRAMATICALLY the number of contacted clients. From 100 to 1000. This way you will get 10 contracts. That means 1000% increase in incomes. Sounds nice, right? And i bet the costs for contacting 10 times more people are less the factor 10.

That’s the big secret on how to make money :). Contact mooooore people and increase the chances. Be a spammer type. Do you think spammer have problems with the 99,99% that say no? No way, spammers are using large number theory in order to get several hundreds contracts from zillions of contacted persons.

So, instead of winning, turbo yourself :) And make more money :)

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It makes sense to make money online. We have a lot of people with creditcards wondering around the internet. Most of them, who wants to buy something, use internet as comperison tool. Which is ok. And most of them discovered that is cheaper to buy online, versus buying from brick and mortar shops.

However, long tail applies here. Some big site are earning tones of money, and the rest 99% are earning very few. Or compared to the earnings from an offline business. We keep seeing success stories. But there are exceptions.

If you consider making money online, then you should concentrate and focus. Here is the secret of success.

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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 :)

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I really like this macro of the dollars stack. :)

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