Law 2 – SMART Strategies

SMART Ways to Take Control of Your Debts

When you are facing debts that seem to get bigger every day, it’s common to feel increasingly isolated, stressed, and unable to regain control of your finances. You might be surprised at just how many people are also dealing with debt; however, it’s become such a taboo subject that we rarely talk about money with […]
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More Tips From Warren Buffett Part 2

Warren Buffett is considered to be the world’s greatest investor. The annual meeting for his fund, Berkshire Hathaway, is dubbed the “Woodstock for Capitalists,” where many shareholders eagerly await the yearly pilgrimage. With almost 40,000 people in attendance this year, Buffett and partner Charlie Munger answered shareholder questions about investing, the economy and others for […]
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Which Debt To Pay Down First

The average American household has $15,325 in credit card debt, $147,924 in mortgage debt and $32,041 in student loan debt. How to pay your debt is important (visit artofthinkingsmart.com for more information), but which debt to pay off first is just as important if you are unable to pay off all of them at once. […]
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Money: Not The Best Investment

In a recent survey by Bankrate.com, more than a quarter of Americans stated that the best way to invest money they didn’t need for more than 10 years was cold, hard cash. Real estate came next at 23 percent, gold or other precious metals at 16 percent, and the stock market only at 14 percent. […]
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Response to your Midweek Article (on Debt Collectors)

Please click here to visit the original article on working with Debt Collectors. Dear Mr. Chang, I am writing to you in response to your Midweek article for August 7, 2013 titled “Dealing with Debt Collectors.” My goal isn’t to dispute what you have written, which was well done, rather to add some context regarding personal responsibility […]
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Smart Spending – How secure are Americans with Personal Finances?

July 2013 Financial Security Index charts By Bankrate.com   Bankrate’s monthly survey of six questions measures how secure Americans feel about their personal finances compared to 12 months ago. From July 3-7, 2013, telephone interviews (on landlines and cellphones) with 1,005 adults living in the continental U.S. were conducted by Princeton Survey Research Associates International. The […]
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SMART CHART – Real Return of Cash

SAM RO When investors get scared and they have nowhere to hide, they move their money to cash. Cash is arguably a great place to store your wealth briefly until you make your next investing move. However, cash itself is not really an investment. “The one thing I will tell you is the worst investment […]
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Dealing With Debt Collectors

The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the Fair Debt Collection Practices Act (FDCPA). If you have been behind on paying bills or, in some cases, records mistakenly show you are, you may have had to deal with […]
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The No 1 Thing Successful People Always Do!

Bernard Marr Well, we all want to be successful, right? Success is most commonly understood as making a lot of money or having a stellar career in business, sports or entertainment. However, success can equally mean being successful at a hobby or learning a new skill, successfully raising great children, being a wonderful spouse, successfully […]
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