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The fastest way to achieved financial freedom is to create a second stream of income that generates money for you automatically. If you can create this kind of second income, you are able to leave your 9 to 5 and create multiple stream of income, and then you are well on your way to achieved financial freedom. In this article, we focus on in creating a steady and consistent second stream of income with the use of an automated forex trading systems.

An automated forex trading system is a system that automatically generates consistent profitable trades for you. In other words, you spend a few minutes setting it up, and spend the rest of the day creating or accumulating more assets for you goal in reaching financial freedom.

There are many automated forex trading systems out there, and it is up to you to find one that makes consistent profit. While an automated forex trading system is fairly cheap, most systems out there is inconsistent and most likely a scam.

To filter out the bad ones from the good ones, we need to take advantage of their money back guarantee. Most good systems offers up to 60 day money back guarantee policy. And most of the system can be used on a demo account (fake money) to test if it makes consistent profit. What you can do is, get a system that you are interested in, use it on a demo account and see if it makes considerable amount of money before the 60 days money back guarantee are up. Worst case scenario is it does not make you thousands of dollars; you simply return it and get your money back. Best case scenario is it makes you thousands of dollars with little to no work in your part. The plan is foolproof.

In fact there are many people are currently sitting at home with their family, and enjoying their life like it should, without any worries of going back to their 9 to 5 routine. The one thing these people have in common is, they made a wise choice and more importantly took action to reach their financial goal. What about you?

For a complete review of the best and proven forex trading systems, all you need to do is click here

It time again to revisit alternative financing strategies for business owners needing money. Whether your business needs capital to grow, meet payroll, or to just simply survive, there are numerous alternatives for your company when banks so ‘NO’.

Personal loans are no longer viable options for business owners. Banks have tightened their purse strings on personal credit just as they have with business credit. This tightening typically does not have anything to do with the state of your credit or the value of your collateral. But more reflects their past indiscretions with their depositors’ money. Further, most business owners, over the last two or three years, have already encumbered all of their personal assets, leaving nothing of value to collateralize.

The following lists many alternatives that may still be available to your business. These alternatives allow business owners to capitalize on their previous hard work; be it from building relationships with suppliers and other business partners to closing sales and building a strong customer base:

Using Your Business Relationships!

Trade Credit: It never hurts to work with your suppliers. Ask for better terms; either more discounts or longer time for payment. Here you can reduce your overall costs or allow more time to collect money from your customer before payment is due to these suppliers. Now, your suppliers may baulk at this discussion as they are probably feeling the same pinch as you are. However, impress upon them that it does their business no good (short term or long-term) if you go out of business, have to cut back your standard orders, or are forced to find other suppliers who offer better terms.

In conjunction with trade credit, do all that you can to collect your receivables from your customers, as soon as possible. If your suppliers offer you discounts for early payment, offer the same to your customers (just maybe not at the same magnitude) or offer discounts for cash. This allows you to collect payments faster as well as reduce you costs by paying less for the goods you need to run your business. Just remember, in this type of economy, cash is king.

Using The Strength of Your Customers!

Receivables and/or Purchase Orders: If your business has accounts receivables sitting on its book just waiting to be collected, you maybe able to get cash for those assets NOW. There are cash advance companies (not banks) that specialize in purchasing your receivables. Companies like Bridgeport Capital Service, RTS Financial Services, or Paragon Financial Group. These companies will purchase your invoices for up to 90% of their amount. They will then work with your customers to collect these receivables (saving you both time and money on collection). When the invoices are paid, these companies will refund to you the remaining 10% of the invoice amount. This type of funding is great for struggling companies as these cash advance businesses will focus more on your customers’ credit and business strengths than your.

Many of these same companies will also finance your purchase orders. If you place an order with your suppliers and agree to pay for their goods over time, these cash advance companies will finance these agreements. This could allow your business the opportunity to take advantage of trade discounts (percentages off the purchase amount) as your company will have immediate cash to satisfy your supplier. This is very similar to having a line of credit with your bank but as an individual credit facility for each purchase.

Credit Cards: I not saying go out and get more credit cards. If your business accepts credit cards, there are companies (again, not banks) that may advance cash to your company based on your FUTURE credit card receipts. These facilities are only paid back when your business generates credit card sales. Thus, if you have a slow month, you are not stuck with a huge monthly loan payment. As your credit card sales ebb and flow, your repayment of these advances will ebb and flow in tandem.

Using Your Character!

Need just a small amount of cash to get you by? Try social lending sites like All World Private Funding!, Zopa, Prosper, or Lending Club. These sites create peer-to-peer lending in which ordinary people, who have additional cash, can review your request and contribute to the funding of your loan. The benefits of these programs include getting the money you need, possible lower rates and better terms than most banks offer, and you get to tell your story directly to the lenders.

Similarly, there is Micro-Credit companies. The largest in the US and around the world is ACCION USA. Micro-finance companies limit their total out lay to a maximum of $25,000 per loan. However, most micro-credit funders like to build relationships first with their borrowers. Thus, they may only approve smaller amounts in the beginning and increase your loan amount as you pay back each facility. These companies will also work with startup firms or those that have been turned down by traditional banks and other financial institutions.

Never forget your friends and family. These are the people who know you best and may better understand what you are trying to do with your business. There are many cons with borrowing money from those closest to you but new companies like Virgin Money will help you manage this new relationship. Companies like Virgin will help you keep everything in a business like manner.

Now, while there is a lot of focus these days on traditional banks, most communities also have Credit Unions. Credit Unions are not-for-profit organizations. Thus, they do not have to worry about Wall Street or shareholders. While the majority of Credit Unions have yet to fully adopt commercial lending departments, they should have lending programs in place that will meet your business needs.

Some of these alternative options maybe a little more expensive, overall, then having a single credit facility with a bank. But, they are a sure fire way of leading your company through our current credit drought. The key to success is to do your homework. Find the program that best fits your needs and that will provide the greatest benefit at the lowest cost to your business. Some business owners tend to panic a bit when they begin to feel the credit pinch. It is only natural as raising money for your business is time consuming, time that can hardly be spared in these trying times. But, remember to think about the long term. Don’t just settle on the first source that gets approved, find the best fore you. Be diligent!

Joseph Lizio holds A MBA in Finance and is founder and owner of http://www.businessmoneytoday.com

There is gender inequality in global wealth. Men earn more money. Men invest more money. Men save more money. Men run more companies. Yet women live longer and 50% of marriages end in divorce, so women will be alone at some point in their lives. 3 out of 4 elderly women live in poverty, but most weren’t poor when their men were alive. With the economy slowing down, it is more important than ever to become wealthy. Here are 10 reasons you need to become a rich woman.

1. Independence. Learning to create and control money will release you from dependence on any one person, or the government.

2. Self-esteem. If you learn how to be financially independent, you will grow in self-confidence and this will enhance your relationships at all levels. You can look after yourself and your family financially.

3. Protection of you and yours. In these times of economic doubt, protection of your home and your assets is critical. Creating wealth and understanding money will help protect what you have already.

4. Providing for your family. New ways of creating multiple streams of income can help you enhance life for all the family.

5. Live the life of your dreams. With the wealth you create, you can have that fantastic house, amazing new car and travel when you like. You can send the kids to the best college, and have that new wardrobe. You can live the life of your dreams.

6. Equality. Why should men make all the money? Women are good investors and money managers, as well as great entrepreneurs. We just have some catching up to do.

7. Giving. When you have money, you can give more away. Bill Gates and Warren Buffett gave more to charity than whole countries can earn. The richer you are, the more you can give.

8. Freedom and choice. If you are wealthy, you have the choice over what you do with your time, and your life. You have the freedom to work at what you want, to travel when you want, to spend what you want. You have choices that you do not have now.

9. For your future. There won’t be a government pension for most people, or it will be so little it will mean life on the poverty line. If you want to have a future worth looking forward to, you need to ensure you are financially secure.

10. Just to prove you can do it! Maybe you have always wanted to be rich, you just didn’t know how to do it. Challenge yourself. Find out how and take action!

Joanna Penn is an author, speaker and consultant.
Get your Free “7 Secrets of Millionaires” audio and report at http://www.GirlsCreateWealth.com

Forex, the foreign exchange market, is the global market that trades currency and is largely influenced by the products and portfolios of a person or businesses country. Large financial institutions, businesses, and some individuals, earn millions each day by making careful decisions on what currency to buy or sell.

The foreign exchange market is similar to the stock markets that exist in many countries but instead involves one global market making it the largest market in the world. Forex speculation is necessary because the rate of currency never stays the same. The value of the United States dollar changes each minute in response to the current and foreign events. The same is true for currencies world wide making the entire market move quickly and requiring quick decisions that can make millions.

Many new foreign exchange traders have been attracted by the opportunity to make large amounts of money in a relatively short amount of time. What many do not realize, or chose to overlook, is that there is always the chance that an investor will lose a great deal of money because of bad investments. To avoid making bad choices in the foreign exchange market a great deal of Forex speculation is necessary. This speculation is used to help determine which currencies should be bought and which must be sold.

In the foreign exchange market the major currencies are the United States dollar, the British Pound, the Euro, the Japanese Yen, and the Swiss Franc. These are only a few of the currencies being traded on the global market but they are the ones most often traded. In the Forex market you decide which currency you wish to sell based on its current value and potential to make money while buying currency that you believe will later make you money. Since foreign currency trading is done 24 hours a day with time changes world wide causing overlaps that will eventually affect foreign currencies leading to Forex speculation.

While the Internet and home computer access has made it possible for anyone to enter the world of foreign exchange trading Forex speculation is not something that should be attempted by just anyone. Even with the many classes, courses, and seminars available through the Internet and in real life learning the art of Forex speculation takes time, practice, and experience. Well known foreign exchange brokers have been known to make a mistake from time to time and inexperienced individuals can find themselves in financial ruin if they are not careful.

If you are interested in Forex trading and have no experience in the foreign exchange market it is in your best interest to find an experienced Forex broker to handle your trades. Finding a broker that is experienced in Forex speculation can help make your venture a success. Keep in mind, the foreign exchange market is not a guaranteed way to make money. Research your potential broker and begin with cautious investments. Investing a great deal of money into the fast paced world of foreign currency exchange could lead to a great loss if one is not careful.

This article brought to you courtesy of http://www.privatefxclub.com. We publish the trade desk thoughts of a team of real institutional traders. Visit now for more on forex speculation. Link: Private FX Club online.

Once the bridal bouquet and ceremony flowers are chosen, it’s time to focus on what type of wedding reception flowers you may use. You’ll need to look at food tables, guest tables, the head table, as well as decorating accents throughout the room. However, you don’t need to use only flowers. There are a wide variety of choices of greenery that can also be put to good use.

First, you must understand where larger flower arrangements are appropriate… and where they are not. The more elaborate floral arrangements can be used on buffet tables, cake tables, on stands near the entrance and staircases, and close to the band or DJ. These types of arrangements, however, should not be used on guest tables or the head table as they are too large and will block the view of the guests.

Table centerpieces created from flowers should be kept low and small. Make sure they compliment the overall color scheme and theme of the wedding. Nor do all the table centerpieces have to be identical. A unique and interesting idea would be to use a variation in the types of flowers, yet with the same color scheme.

Small bud vases are best used on guest tables. A great combination wedding favor and table centerpiece idea would be to cluster small vases with a single flower in each. After the wedding, the guests can take home one of the bud vases as a wedding favor.

If you can not afford to use many large floral arrangements, choose 2 or 3 for the buffet tables or other key area and decorate the rest of the room using balloon bouquets, tree branches with twinkling lights or rented palm and/or ficus trees.

Edible bouquets are also very popular for table centerpieces. Spun sugar sculptures, fruit baskets and miniature tiered wedding cakes also serve a dual purpose as a table decoration and wedding favors… or as dessert at the end of the meal.

Here are a few more wedding “flower” bouquet ideas you may want to consider:

As you can see, you can incorporate many “floral” bouquet ideas into your wedding scheme without breaking the bank. Large floral arrangements are beautiful to look at, but they can also be very expensive. Consider some of the alternatives to help save money, yet still create unique flower arrangements that will delight your guests.

Rose Smith is the owner of Wedding Themes and More, a website designed to help you plan your perfect theme wedding. Read more about wedding decorating ideas and wedding flowers at http://www.wedthemes.com/

Many business people don’t know that equipment leases can be negotiated. They do a quick read-through of the contract, see that the monthly payments are what was represented, and sign where indicated. Not carefully reviewing each paragraph of the agreement can be costly. Long, drawn-out contracts are often developed by leasing companies to gain added revenues and advantages for themselves. Consequently, in this situation, it is to the detriment of the lessee.

This article discloses some of the terms and conditions that are contained in lease contracts, but can often be negotiated. A properly trained lease broker can be invaluable in helping the lessee discern the points of contention and negotiate a fair and equitable agreement.

1. Credit or commitment fees: Some leasing companies will charge you a fee simply to process the credit application. Others may charge a fee to keep the credit commitment open after the application has been approved. These are ridiculous fees that I would advise never paying.

2. End of term option: This is a critical point in the contract. Beware of language that allows you to buy the equipment at a “mutually acceptable price” as opposed to fair market value. When a lessor states they will sell you the equipment at a mutually acceptable price, they can back you into a corner by charging just about what they want. Fair market value and $1 buyout leases are legally defined and more quantifiable.

3. The never-ending lease: Some leasing companies try to lock you into a leasing situation forever and the only way to escape is to pay an inordinate fee. Beware of a lease that gives you three options at the end of the term: a. Buy the equipment at a “mutually agreeable price”. b. Extend the contract at a mutually agreeable price, or c. Return the equipment to the lessor and strike a new deal at a mutually agreeable price. These are all poor options for you, the lessee and only serve to benefit the profit of the leasing company.

4. Equipment pass title fees: These are fees that some lessors charge when the lessee chooses to buy the equipment at the end of the lease term and obtain clear title. These fees can be as high as $250 or more.

5. “Put” at end of lease: Make sure that you have an option to buy the equipment at the end of the lease and not a put. A put may result in lower monthly payments, but requires you to buy the equipment, as opposed to an option, which gives you a choice.

6. Delayed payment to vendor: Some leasing firms delay payment to the vendor for the purpose of increasing their yield. This is unethical, creates a hardship for the vendor, and makes your company appear in a bad light.

7. Up-front broker fees:Some lease brokers charge an up-front fee at the onset of the relationship. I have never charged such a fee because my compensation is based upon a successful completion of the transaction and is a percentage of the amount funded.

These are some of the items to look for when reviewing an equipment lease. Keep in mind that competition among leasing companies is intense and they do not want to lose your business. Do not be shy about asking that these fees be taken out of the agreement.

Kent Harlan has been a CPA since 1984 and has provided consulting, accounting and financial services to several industries. He is the owner of Ozarks Capital Funding, LLC, a Springfield, MO based company offering business and heatlhcare financing.

Does your company need to finance new equipment or refinance your existing inventory of equipment? click here to apply.

EMAIL: kenth@ocflink.com
WEB: http://www.ocflink.com
PHONE: 417.849.7394

Christmas is responsible for more waste and consumption than any other holiday. North American’s trash contributions to the landfill increase by 25% during this time of year – which equates to a minimum of 25 million extra tons of garbage going to the landfill. By recognizing the incredible waste that is generated the urgency to do something becomes apparent.

A truly useful or environment friendly gift that provide some convenience or financial benefits is a better ecological choice. At the same time, you can help alleviate the guilt you might feel during this period of high consumption and travel activities. Here is a brief list of frugal and environmentally sound ideas to inspire you.

For the homeowner – A thermostat control that automatically turns the heat down at night; low flow showerhead attachment; draft cozy (placed in front of doors to prevent drafts) and tubes of caulking or weather stripping. Dimmer switches, compact fluorescent bulbs (CFL’s) or hot water tank and hot water pipe insulation kits are also excellent ideas. Yellow CFL’s are perfect for exterior lighting because they attract fewer insects. Consider making an eco-package combining some of these items for the homeowner.

For the gardener – A subscription to an organic gardening magazine or a membership to a seed organization is always an interesting gift idea. Bird, bat and butterfly houses, baths and feeders – or the patterns to build them – are a wonderful optional gift. Alternatively consider composting worm bin, gift certificate to a nursery or a membership with an environmental group.

Give Services – Rather than giving an item that must be wrapped, consider purchasing tickets to a performance, restaurant gift certificates or services such as lawn care, diaper, cleaning, music lessons, exercise or dance classes, tune-up or tire rotation services. Don’t forget to look at dog walking, babysitting, and massage, spas or gyms when looking at gift certificates. All of these ideas will help you support local businesses that you believe in while giving something that the recipient can truly benefit from.

Give Food – Home preserves such as dehydrated or canned foods make excellent gifts. Those that find cooking tasks cumbersome treasure frozen meals. Snack foods and deserts are appreciated by most anyone; keep in mind that purchasing Brazil or cashew nuts supports a tropical rainforests. Baskets of healthy foods are another wonderful idea to consider – especially if it contains samples from local producers.

Books – Most of us realize the benefits of literacy and supporting local businesses. You can do both by choosing to purchase books as gifts this year. However, we can also leave a legacy with a book of our own. This could be a journal, a collection of our poetry, a family tree that you’ve researched or even a family recipe book. Perhaps you might consider including quotes from family members or people you admire and possibly a few favorite family photos.

Alternative gifts – A reusable coffee filter and whole organic coffee beans makes a nice gift for coffee lovers. Consider slippers and sweaters – the recipient is less likely to turn up their thermostat. Toys and games with positive environmental or education values and those that emphasize cooperation, exploration or creative thinking. If you choose to purchase electronics, consider those powered by solar or rechargeable batteries.

The Tree: Give or purchase a living tree for yourself this year (it removes carbon dioxide, carbon monoxide, ammonia, ozone and nitrogen oxides). A living Xmas tree can be donated to individuals with space on their land, the city, schools or parks when the season is over. Alternatively, plant it in your own yard for privacy, summer shade or soil and water erosion control.

The Photos – For holiday photo memories, avoid disposable cameras. Instead use a digital camera and load directly to your own computer and CD burner. Alternatively, use a normal camera using 36 exposure film rolls and have the pictures put on CD’s at the development outlet. Choosing these options reduces chemicals, paper and waste, while you save some cash.

~ Dave Brummet: co-author of the books Trash Talk, Purple Snowflake Marketing and Towards Understanding; co-host of the Conscious Discussions radio show (http://www.brummet.ca)

Although honesty is generally taught as the best policy, I would propose that it is the only policy to follow in 99% of cases. The other 1% could be called “white lies.” How are you to know the difference, that is, when someone is telling the whole truth as opposed to a white lie? Here are some tips that will help you spot a liar.

There was an old Hollywood movie starring Charles Bronson as a buffalo hunter and Will Sampson as an Indian Chief. They are in a cave together, hunting the same killer white buffalo, when they engage in a conversation about truth. Bronson, known to the Indians as “the shooter” because he is a skilled hunter, has his version of the truth and the Chief has his. The Chief asks – “Tell me Shooter, what is the true truth?” I ask you the same question. For me, the true truth is the whole truth, no shading. What is it for you?

As we go about our interaction with each other, the white lie is employed more than any other form of communication with those closest to us. We are more apt to shade the truth in order to avoid hurt feelings or, when we know a person really well, we tell a white lie because we know they really don’t want the true truth. They have their version of the true truth and that’s the version they want to hear.

When we deal with strangers, telling a lie is easy because we likely will never see them again but what about that stranger we may see again? You need to decide if what you are lying about is worth what you will gain as opposed to the potential consequences if your lie is discovered. It is a personal decision. You need to be realistic with yourself. It is easy to become a compulsive liar and ruin your life. Under what circumstances are you willing to risk damaging relationships, reputation, and future opportunities. Ask yourself. Do the benefits of telling the lie outweigh the risks?

For example: A teen boy tells his parents he’s going to the movies with a friend but he’s really going to a concert with his girlfriend. Logically, the parents are going to ask what the movie was about and if he enjoyed it. Now, beforehand, the teen could Google a summary of what was in the movie; along with the climax so he can be ready for the questions. Such a young man may not consider the consequences if he is caught in the lie. He does not realize that his parents will be emotionally hurt by his lie and will take a long time before ever trusting him again. His lie has destroyed the parent-child relationship for a long time to come.

Telemarketing has taught us that it’s relatively easy to lie to someone over the phone because the sense of personal connection is very small. You can’t see them; they can’t see you. As a result, you are less likely to feel guilty and, therefore, give visual clues that you may be deviating from your normal behavior. If you were closer to the person physically, you would have a greater personal connection. Consequently, you would be more likely to reveal, in some way, that you are engaging in deceptive behavior.

The same reasoning applies to being close to a person psychologically. If you try to lie to your girlfriend or boyfriend, there are numerous psychological pressures. For example, you’ll think about what happens if you get caught, feel guilty about lying to someone you care about and it will be more difficult to focus on mimicking your normal behavior. This phenomenon is often called “liars’ remorse,” and it’s usually what people are talking about when they say a liar “wants to get caught.” Those closest to us know when we are lying and when we are shading the truth a bit.

Most strangers will not have a clue if you are an accomplished liar. It takes years, by the way, to develop a liar’s mentality. An amateur liar will not look you right in the eye when lying. They may touch their head with their hand, or hold their palms up as they spin the lie. These are both giveaways. An accomplished liar does the opposite. They look you in the eye, their hands at their side. An amateur liar will use the strongest adjectives and a voice level that are above normal pitch and speed. A friend of mine says – “I can tell when someone’s lying. They talk faster than I can listen.”

Most professionals employ specific tactics to catch liars. The cops will make small talk with you to establish what your “normal” behaviors are. When they get down to the serious subject matter, they look for cracks in that normal behavior. Polygraph machines work the same way. There are mental and physical drives that can be detected by skilled interviewers, as well as machines.

There are many more subliminal messages people send when lying. Do some research and learn what they are and how to avoid them.

Jim DeSantis

Jim DeSantis is a retired investigative journalist who is now a full time blogger. Grab Jim’s Free Report “How To Spot A Liar” (click here). No email is required. Visit Jim’s blog about the Workplace (click here) for more free information.

First of all let me enlighten the word loan. Loans are the debts that are provided either by the bank or some financing institutes to someone. Car loans are the finance provided by the banks to a customer who wishes to buy a car.

Need of car loan

As the we know that the condition of the public transport getting worse and every one is always in a hurry to reach his destination .so this is the reason that people today rather than going for the public transport, are opting for a better and more effective way of communication that is that is through their own vehicles. The loans provided by the banks help them getting these vehicles with an ease.

Also with the industrialization and the growth of the average income of people the need of cars have become more prominent but with less cash in hand it is very difficult for people to manage .This further enhances the need of loans through banks. These days number of banks and financing institutes are providing loan option so every one is able to buy a car of his own choice.

With the growing competition the banks and various financing institutes offer different type of car loans. The loan has to be returned in a given time period else the borrower has to suffer a lot and most of the time he is trapped in legal hassles.

Car loan types

Car loans as stated earlier are a debt that the borrower borrows from the financing company or the bank and has to return the money in some installments. These installments are decided by the bank initially. The bank provides the borrower a number of options by which he can return the money, and the borrower has to choose one of the option. One of the way for taking loan is by keeping the home as security with the financing institute.

Other type of car loan is the personal car loan in which the person has to provide collateral as security. The personal car loan is further divided into two categories that is secured and unsecured.

Interest rate

The interest rate is the amount rate which is used to calculate the extra amount that the borrower has to pay. At this interest rate every month the borrower has to pay some extra amount. Different banks have different rate of interests so that is why people should look for the least rate of interest before they make the decision of financing their car.

NetCars, one of the UK’s leading motoring websites for used cars. First established in January 2000, it provides car loans, finance and warranty.

Here’s how I plan to turn the $1,000 per child that the Rudd Government is giving to my family on 8 December, 2008 into a gift that lasts for life.

For those readers who are either not Australian, or who are not aware of the recently-announced financial assistance the Australian Government is offering to families; here is a brief of what is on offer.

The Australian Government, which happens to be in Surplus (given the amount of debt per capita, I am not sure what this is a Surplus “of”…), announced recently that if you have children and you fall within the “Family Benefits Tax A” bracket, then to help ‘boost’ the economy, the Australian Government is offering families a cash payment of $1,000 per child, to be paid on 8th December 2008.

There is a whole swag of other payments being made right across the country to Age Pensioners, Disability Pensioners, Carers, and others, on the same day. The media had a field day, rejoicing in the announcement, saying that families will be able to spend this on Christmas presents and will boost Christmas sales and the economy. People everywhere are plotting how they will spend the unexpected booty.

Not me! I have bigger ideas than that and will actually be applying the cash handout to remedying – at least within my own family – the underlying cause that’s behind this whole sorry mess in the first place.

That is to say, I will be putting this money to work. I will use it to create more money for my children, which will, in turn, be reinvested to create recurring incomes, from a number of sources.

What’s more, I have found a way to do this in a risk-free environment – outside of the stock market, and outside of the property market – yet which allows me to invest small amounts in carefully selected businesses by purchasing their products and receiving profit-share from sales. More on this in a minute.

First off, I will open a bank account in each child’s name to accept their windfalls and start their Investment/Savings plans for the future.

Of the $1,000 each receives, I will put into action what every Investment book out there tells me to do. Invest 10% of all money received into growing more money.

So, $100 per child will be invested and put to work using the strategies set out in the free book “How To Let Your Money Make More Money Online… While You Are Busy Doing Other Things,” by Taylor Adams.

This has taught me exactly how to use subscriptions to online companies from just $5 per month as profit-generating investments. Money Buddy Alliance (MBA) offers a free service, so I am not paying any money to them. The money I pay is to my own subscription account, in return for which, I receive the product I subscribe to, along with a profit-share in the form of commission income. How cool is that?

$100 will more than cover a 12-month subscription to my children’s first Investment. So I can just pay the annual amount and not even have to think about it for the next 12 months.

All of this I have already had set up in my own name for some time, and know from my own experiences that it works a treat. So I will simply create a subscription in each of the kids’ names, and basically set them up for life.

There is a reinvestment strategy for when income reaches successive levels that will pay for a series of additional investments from profits, one after another. It’s so easy.

MBA just lets me know when my profits are sufficient to add the next investment position. I then take a look at it, and if I like it, I commence reinvesting in that one too. So far I have 8 different investment vehicles at various stages of development, from well established to very new. It’ll be fun teaching the kids how to do this as they grow.

Sometimes I still am amazed that for as little as $5 per month I can set my kids up for life in this way. And anyone can do it.

So what am I going to do with Kevin Rudd’s Christmas bonus – the $1,000 per child ‘windfall’ that the Australian Government has given to my family…??

I will teach my children how to invest just 10% of that money. I will show them how to purchase their “Money Tree seedlings” – an annual subscription to an online gardening club; which costs just $5 per month and pays out 90% of its subscriptions to its members.

This will dovetail very nicely with the gardening that we are teaching them in our own suburban backyard, where they now have a thriving worm farm and lush crops of organic fruits and vegetables.

I will teach them how to set up their online money processor which will collect their commissions, and pay their subscriptions from profits when renewal time comes around next year.

Everything at Money Buddy Alliance is kept so easy and straight forward, it’s just like following the “bouncing ball.”

This is the first step of a program that will teach my children how to invest their Christmas bonus money and put it to work while they are busy being kids; and I can monitor and watch my children’s investments grow, while I get on with being “MUM.”

For a free report called “The $5 poverty Cure,” send an email to Leanne with “$1,000 Family Tax Benefit A” in the Subject line. A detailed report will be sent to your inbox outlining how to start putting YOUR money to work, so that you will be ready to help start your kids’ investments when you receive Kevin Rudd’s Christmas bonus in December 2008.

Leanne Cane
leanne@moneybuddyalliance.com