Wednesday, November 22, 2006

Free Piano Lessons

Learn piano in just 10 minutes a day!

To attain a new skill such as playing the piano, it is important that you make time for daily practice. It doesn't have to be very long, just a few minutes! If you can set aside at least 10 minutes of practice every day, you can learn to play the piano!

The beauty of teaching yourself is that when your busy schedule gets in the way and you accidentally let a few day slip by without practicing, you can repeat as many lessons as you need to, as many times as you need to! If you were taking lessons with a teacher, you would have to pay for these repeat lessons. (But try not to let that happen! It can be discouraging if you keep repeating lessons!)

These lessons are designed to accelerate your normal speed of learning. Unique sequencing and immediate application enables you to learn how to the play piano faster than other methods. However, you still need to practice. You will not be successful without practicing! Your success is in your hands.

Find out more .. it really is free!

Friday, November 17, 2006

Conventional Wisdom vs. Reality

by Greg Moore

I was cruising past Bankrate.com when this headline caught my eye...

"Bigger Investing Returns Require Bigger Risks"

I've become sensitized to financial advice like this over the years. It smacks of "conventional wisdom," which generally serves the interests of the advisor, not the advised.

Noted economist John Kenneth Galbraith coined the term, "Conventional Wisdom," to describe statements which are simple, convenient, and comfortable -- but not necessarily true.

I'm not saying conventional wisdom is "never" true, only that when it comes to growing and preserving your wealth, don't make it the foundation of your decision making.

This Bankrate.com article discussed risk and higher investment returns. In particular, the relationship between "risk free" investments, like CDs paying 5%, and higher risk investments, like stocks with average historical 12% returns. In one, you're assured of earning 5%. In the other, you're assured of a chance at 12%, but no guarantees.

If you want 12%, you gotta risk losing money.

But, as Galbraith might have said, "this isn't necessarily true," if you understand wealth building, where your objective is to invest cash today to have more wealth tomorrow.

Wealth is Assets minus Liabilities.

Want more Wealth? Grow your Assets, the 5% or 12% argument, or decrease your Liabilities, i.e., your Debt. In the case of credit card debt, interest rates are easily 12% and beyond.

In either case, 12% stock market or 12% credit card payoff, your Wealth increase is identical. Your risks, however, are not.

First, paying off your 12% or greater debt is a risk-free 12% or greater investment return. This easily dispels the "higher return, higher risk" conventional wisdom.

Second, you pay no taxes on debt payoff, which makes it an even better return than stocks, and more wealth for you.

And, last but not least, you never pay a broker's commission, another real wealth enhancer.

In fact, the only person who benefits from this wealth building tactic is... you!

Greg Moore is the Architect of the Debt Freedom System,
"DebtIntoWealth -- Lessons from My Journey to Debt Freedom" Pay off all of your debt in 5-7 years using the money you already make. Find out why financial guru and best-selling author, Suze Orman, is advising her millions of followers to "Pay Everything Off as Fast As Possible!"

Monday, November 6, 2006

Don't Waste What You Own

Our current culture seems to think of buying before thinking about other options. It's so easy to waste resources when so much is being made into disposable products. It gives this generation a disposable mindset.

Here's an article that gives you some thoughts on how to save money. Before you buy anything, you may want to consider if there are other, less material-intensive ways to meet your needs. While some of these ideas in this article are obvious, they're all worth a mention. Read the entire article.

Thursday, November 2, 2006

Free Video Rentals

Coupons are great to get discounted rentals, but what about totally free?

Have you checked into your local library's collection? Some areas are so well stocked you will never run out of options. We live in a rural county and the library is very small but they have one entire wall dedicated to videos and DVD's. Totally free entertainment and between the two of us we can take out 6 at a time for an entire week. If we're not done, we just phone in and renew them for another week. If you don't know where your library is located, check out this site to find out.
"Simplicity of living, if deliberately chosen, implies a compassionate approach to life. It means that we are choosing to live our daily lives with some degree of conscious appreciation of the condition of the rest of the world." Duane Elgin

"Do what is good with your own hands, so that you might earn something to give to the needy." Ephesians 4:28