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Living Debt Free.

Living debt free is a dream. But it is possible.
We are so used to buying things with credit card, that we need it or not, we puchase it because that looks attractive at that time.

Few tips to living debt free ( Where there is a will there is a way)

• Make yourself strong and do not get trapped in this credit card offers, 0% interest for 6 months or 12 months is very common. There are still a few catch in these offers. If you look at the details of the credit card , yes I am talking about the fine print of the offer, there are some clauses like if you do not make the minimum payment you will be charged at 25% rate. With interest rate so low even if 1 out of 10 defaults every month credit card company has made their money back. Anyway live within your means. You may want to get rid of credit cards one a time and set up a target dead line to get rid of all credit card by some date and follow your dead line.
• If you start spending cash and make payments at store in cash, this will have two effects counting money and handing that money to cashier will make you think that you are spending x amount of money, while if you pay with your credit card you do not care or do not think twice even if the amount is beyond your capacity to pay in the future and you get trapped in that cycle of "Dream - Living Debt free"
• If you have a student loan or some other loan that you have taken, you may want to sit down and calculate how are you going to pay for it. No one else is going to help you but yourself and remember that you have to pay that money back sooner or later becomes your choice. Sooner you pay smaller the amount is and later you pay you will pay more in interest.
• If you are smart and have a good control over yourself, you can try this. Take a credit card offer that is 0% on balance transfer for x amount of months, take that offer but make sure that you make a plan to pay that amount in time to the credit card company and also you have to make sure that you repay the full amount before end of that offer. If you can remember that somehow to do this in time. With such a busy life, specially in the mid age with kids you may forget about it and end up paying more. So be careful.
• Bottom line, is to try to limit you debt slowly and finally eliminate it totally.
• Who needs a credit, if you plan on living within your means. It is difficult to understand this concept as we grow up in a different environment where every one says to build a good credit history, which is ultimately a  trap with busy life.

CONTROL YOU SPENDING HABITS-  This is the key  to living debt free.
Any other options? Please share.

How to earn money in stock market

This is my own opinion, follow at your own risk.

There are several ways to earn money in stock market in my opinion:

1. If you have a good knowledge about a company and its management that is the best way to put in your bets accordingly.

• Other way of being a winner gambler in stock market, is to take a particular stock only. The following example will make it easy to understand the strategy.         

         Let's say you buy 100 stock of good comp any paying dividents ( I call it a kind of insurance as the company is willing to share its benefits and is running in profit at this time. Say you bought the stock at 50 dollars. Let's say stock of that so called insured company fell to 45, buy 200 shares. Let's say the stock still fell to $40 buy 400 shares and so on. This way you keep the average cost of stock to close to the value that the current value of stock is. But as soon as the stock prices increase by $ 5 every time start selling the stock, in the same increments that you bought  them. This assumes that you have good capacity to invest and good appetite to hold the losses. This works most of the time but fails in some cases like company failing due to some frauds or some other unforseen reason.
The above strategy can also be done in day trading.

What is your way to invest? Any bright ideas? Dare to share?

US Dollar is strong

US Dollar is getting stronger as compared to other foreign currencies. I believe that this trend will keep on going for a while till Europe's position is cleared. Once that happens then US Dollar will depreciate a bit, but still keep strong as world has a belief in USD. This is good and bad. Good in the sense that people have more confidence in USD and more and more investment will be done in USD. Bad in the sense lesser US exports keeping a misbalance in Import and export. More imports and less exports is not good for economy.


What is your take on this issue?

Friendship

I got this in email and really liked it. Want to share with everyone:

Dear   Friend ....... 

  

HOW FRIENDSHIP BREAK ?  Both Friends Will Think The Other Is Busy  And Will Not Contact Thinking It May Be Disturbing  As Time Passes  Both Will Think Let The OTher Contact  After That each Will Think Why I Should Contact First ?  Here Your Love Will Be Converted To Hate  Finally Without Contact The Memory Becomes Weak  They Forget Each Other..  So Keep In Touch With All And Pass This TO All Your Friends...  .  I Don`t Want To Be One Of This Kind.  So Here I Am sending Mail To Every One  To Say  Dear Friend  I Am Fine Here  Please keep in touch with me

                                        "It is one of the blessings of old friends that you can afford to be stupid with them"