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The first step in beginning financial security is creating a personal budget. In order to plan a personal budget you have to know how much you possess and how much you owe. On the asset side of your life how much money do you have in your wallet? How much savings do you have in the bank? Do you own your own home or do you rent or do you have a mortgage on it? Do you own your car or do you have a loan on it?

These are all the initial items for consideration for building a personal budget. On the liability side you need to list the monthly car payment, the monthly rent or mortgage payment, utilities, charge accounts or credit card payments and other maintenance and upkeep expenses. You finished your basic homework now let’s create a monthly personal budget.

A personal monthly budget is used to estimate what you earn and what you pay. It gives you an alert if you can plan in advance what each month you will earn in salary, dividend earnings and it will allow you to determine how much you will owe.

This is how I would set one up.

At the top of the list place the following categories on the left side of the sheet, projected monthly income, actual monthly income and on the right side place the categories, projected balance, actual balance, and difference, these will be handled after you total your debts. Under projected monthly income list the following subcategories, income1, extra income, and total monthly income.

Under the major category of actual monthly income list the following subcategories income1, extra income, and total monthly income. Beneath this header place the following categories, housing, transportation, insurance, food, entertainment, loans, taxes, savings or investments, gifts and donations and legal. Each of these categories will have projected cost, actual cost and difference columns added to each row within these major expense divisions. Each beginning of the month you must predict the next month’s expenses, during the month as you pay those expenses enter that amount into the actual cost column. The end of the month you should enter the difference between the projected and actual cost into the difference column.

You remember those categories on the right side, projected balance, actual monthly income and difference? They are calculated by subtracting the total expenses from each balance. The difference is obtained from subtracting the actual from the projected. At the bottom the totals of the projected costs, actual costs and difference of the two are given. The maintenance of the personal budget as well as the decipherment of the spending trends should provide you with an invaluable tool to speed you towards financial success.

A personal budget set up in this manner can simplify the process of setting a certain amount of ones’ salary or profits into a savings plan which is composed of simple interest savings, mutual fund investments for your retirement and a long range acquisition plan for real estate investment.

Joseph Kenny
http://www.articlesbase.com/non-fiction-articles/create-a-savings-plan-for-financial-freedom-52369.html

Duration : 6 min 1 sec

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Duration : 0:1:55

Gordon Brown & Henry Paulson are blaming speculators ( scapegoats ) for the economic crash, the ban on short selling does not stop the fall of bank stocks because investors are dumping their own bank stocks, the current free market capitalist system is not “free” but rigged by those in power ( deregulations ), martial law, hyperinflation, the collapse of the financial systems looks like a controlled demolition, the “paulson plan” 700 billion bailout is a financial power grab similar to the patriot act, the unregulated banking system of derivatives is called the shadow banking system, recorded on September 27th 2008
. . .
the whole audio is at . . .

http://karmabanqueradio.com/2008/09/27/975-the-truth-about-markets-27-september-2008/

Resources:

Inestopedia: What Is Short Selling?

Wikipedia: Short (finance) Stock Market
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Duration : 0:9:55

Free Retirement Plan Financial Planning Best Ways To Reduce Debt

Many people do not know where to start when it comes to paying off debt. This video discusses how to get the process started to being debt free.
The best way to pay off debt is to create a budget so that it’s clear how long it will take to pay off the debt. Learn about restructuring rates on money that is owed to others with help from a financial services specialist in this free video on paying off debts.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for over 30 years.
Filmmaker: Christopher Rokosz

Duration : 0:3:0

Resources:

Federal Trade Commission: Facts For Consumers

Motley Fool: 9 Ways To Pay Off Debt

Free Retirement Plan Forex Trading Robot

Forex trading, also known as FX trading, is trading that is done in the foreign exchange market. This is a form of trading that is used to exchange internationl currencies. Buyers and sellers operate around the clock, other than weekends, in this market.  This is a very volatile market that holds the possibility of high returns but also big losses.

Something called a Forex Trading Robot has become popular recently. This is a program that executes trades based on a series of inputs or signals. This has the advantage of being able to operate 24 / 7 but has the disadvantage of the elimination of the psychological element of trading which can sometimes be a problem.

forex opportunity invest in your future with forex the forex offers forex opportunities to establish wealth creation. the forex offers great retirement benifeits ,the forex offers bussiness opportunities for individuals who like marketing opp’s

Duration : 4 min 26 sec

Disclosure

Resources:

Wikipedia: Foreign Exchange Market

Investopedia:What Is Forex Trading

Free Retirement Plan Forex Trading

Few people realize the benefits of Foreign currency trading over normal investments in stock or otherwise. This is mainly due to a lot of misconceptions about forex as a whole. Forex is an excellent avenue for investments, and if you play it right, you could substantially increase upon your investments. First, it is very important understand what forex currency trading actually is. Trading in forex means trading in currency or foreign exchange. It’s basically a trading form that capitulates in the difference of values between two different currencies.

Currencies owned by two separate countries will have a different value with respect to each other. Now taking the respective values of a US Dollar and British Pound, ?1 equals $1.59. If you were to buy $159 worth of pounds, that is, ?100, and the next day the currency values fluctuated and 1 equaled $1.61, you would have a profit of $2. This may seem small now, but the volumes in which people conduct Fx trading is very large and this slight change can result in huge profits and losses. These variations depend on a number of factors. If you do your study well and make your investments safely, you can eliminate the risk of loss substantially.

Advantages

Fx trading market is open twenty four hours, seven days a week. Money never stops and that is why you have an amazing freedom when you trade in currency. Foreign exchange trading is different from trading in stock where you have to deal and trade throughout the day. For the people who have other full-time jobs, this can be quite tiresome. They cannot devote as much time as they want to their investments. This is troublesome, because if you aren’t fully involved, you could make a slip up and incur losses. With forex trading, you don’t have to worry about such problems. The market is open always and you can check your investments all the time.

The next great advantage in Foreign exchange trading is that of leverage. Leverage means that you only need a particular sum of money to take part in a trade or a deal. So, if the leverage is 20:1 on a trade worth $10,000, all you need is $500 to take part in the trade. This is an excellent thing that gives you the advantage of taking part in deals that will give you immense profit.

With forex trading, you can set the limit of your own losses, to the point up until which you are willing to bear them. So, if the currency you’re investing in falls to that point, you automatically withdraw. This means that with leverage you have a chance of taking part in big deals with small capital. Imagine that in the above example of pounds and dollars, the deal was for $159,000. You can get leverage up to 32:1, so the profit is humongous. You can engage in these deals if you can come up with just 1/32 of this amount.

Understanding the complexities of Forex Trading is very important prior to making any attempts at these strategies. Make sure and consult your financial professional or adviser before attempting.

Disclosure

Resources:

Wikipedia: Foreign Exchange Market

Investopedia: Foreign Exchange Market Questions

It’s always good to have a database to help you do these steps. In a little more detail, I’ll explain the steps. Just want to point out that this is large topic so I’m just pointing out a very basic approach.

1. It depends on the level on which you are identifying risks but mainly, you are looking for things that affect cost, schedule, or quality. Again, that is very basic.

2. To prioritize, you would then rate the risk using the tried and true Risk Matrix which compares the likelihood of an event happening to the impact it would have if it happened. (Probability vs Consequence). Using the rating, you would then know which Risks were high, medium, and low.

3. After you have your Risks in order of priority, you then determine how you will handle them. The basic methods for handling are transfer, accept, avoid, and mitigate.

Here is an example explaining each. A requirement from your customer in your project requires an item to be shipped through a dangerous area. The risk is the item gets stolen. You can transfer the risk to someone else by hiring a company to do it for you. You can accept the risk by saying it might happen but the risk is low enough we aren’t going to do anything and just ship it. You can avoid the risk by removing the requirement from the project. And you can mitigate the risk by shipping it with a convoy of armed guards.

4. Then after you execute your handling strategies, you have to monitor those risks to see if they become problems or the risk rating changes.

It’s important to point out that risks are NOT problems or issues. They are potential problems. Once the probability of it happening becomes 100% or the event already occurs, it is no longer a risk and it is now a problem. Some people confuse risk and problems and track them together.

Duration : 0:2:50