How to Retire in 10 Years or Less

Retirement has become a popular subject recently. When you understand the current situation, you'll understand why retirement is on the minds of so many people. Let's take a look at what's going on in the world today. There are approximately 79 million baby boomers and starting Jan. 1, 2008 every 7.7 seconds, a boomer will turn 60. Americans have seen 30% or more evaporate from their 401(k) plans due to the stock market meltdown. Social Security Trustees have admitted that the fund will be insolvent by 2017 because it will be paying out more than it receives. It will be depleted of funds by 2041. Medicare Trustees have reported that Medicare's Hospital Insurance Trust Fund will become insolvent by 2019.

The unemployment rate in the U.S. was 6.5% in October 2008 according to the U.S. Bureau of Labor Statistics. Experts agree that this will be one of the deepest recessions in history. Maybe Barack Obama will be able to help solve these problems. We will need to wait and see.

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How Eliminating Your Debt Will Allow You to Have a Great Retirement and a Brighter Future

About 11% of these households have declared bankruptcy at some point. Some analysts have questioned whether these individuals will have sufficient retirement funds to retire.

The fact that Americans have debt is no surprise: Americans use credit cards to finance our purchases (big and small). We use car loans to pay for our vehicles, we get student loans to help us pay tuitions, and we obtain home loans to buy our homes. Yet the size of our debt can seem overwhelming. According to the Department of Commerce, the total debt is nearly $10 trillion, nearly doubling the amount in 1992, even after inflation adjustments. American household debt today is equal to over 80 percent of the national economy, increased from about 60 percent in the early 1990s. Filings for bankruptcy have also soared.

Six out of every 1,000 persons in the U.S. filed for bankruptcy in 1991. In 2001, the bankruptcy rate increased to 9 out of every 1000 U.S. adults. Consumer bankruptcy filings surged to a record high in 2005 due to the bankruptcy law changes. Bankruptcy filings skyrocketed 31.6 percent to over 2 million last year. That equates to about one in every 53 households filing for bankruptcy. In 2005, the new bankruptcy laws went into effect, making it more difficult for consumers to demonstrate they should be allowed to eliminate their debts in with a Chapter 7 bankruptcy clean slate. Chapter 7 filings increased over 47% percent in 2005.

Are Baby Boomers and other future retirees really going to be in trouble? As indicated previously, the common concern is whether these individuals will have the money to make their current debt payments required by their creditors as well as future debt payments. These households are facing many risks which could create financial challenges. One such risk is their adjustable rate loan (ARM's) payments which depend directly on short-term interest rates. If these interest rates continue increasing, U.S. households with ARM's will see their debt payments increase in the near future.

A sharp decrease in real estate values which we have seen recently, would reduce home equities and overall net worth. This will limit access to additional credit. This potential risk is especially important for the Baby Boomers because their home equity represents a vital amount of their wealth holdings total.

Suze Ortoman (http://www.imnotbrokeanymore.com) is a freelance writer and has devoted most of her career to helping families make money, reduce debts, and save money. She has researched the areas of personal finance, investing, home mortgages, and others. Her most recent research is in the areas of social security, medicare, and retirement.

How to Retire in 10 Years Or Less

Retirement has become a popular subject recently. When you understand the current situation, you'll understand why retirement is on the minds of so many people. Let's take a look at what's going on in the world today. There are approximately 79 million baby boomers and starting Jan. 1, 2008 every 7.7 seconds, a boomer will turn 60. Americans have seen 30% or more evaporate from their 401(k) plans due to the stock market meltdown. Social Security Trustees have admitted that the fund will be insolvent by 2017 because it will be paying out more than it receives. It will be depleted of funds by 2041. Medicare Trustees have reported that Medicare's Hospital Insurance Trust Fund will become insolvent by 2019.

The unemployment rate in the U.S. was 6.5% in October 2008 according to the U.S. Bureau of Labor Statistics. Experts agree that this will be one of the deepest recessions in history. Maybe Barack Obama will be able to help solve these problems. We will need to wait and see.

Millions of people are not just thinking about retirement but actually doubt they can retire. People who would, and by all rights, should be retiring in the next ten years are postponing retirement because they have suffered through financial losses recently and can't afford to retire. The stock market meltdown exacerbated a serious financial condition for would-be retirees. High gas, food, healthcare costs have forced baby boomers to tap into savings in order to make ends meet over the last several years. The stress is causing medical issues and resulting in missed work, higher health care expenses, and depression.

This article is intended to provide hope to anyone who is doubtful about retiring successfully in 10 years or less. It is meant to help those who have lost money in the stock market, have been unemployed or underemployed, have gone through or are going through bankruptcy, have suffered through an injury or illness, have not been successful in saving money for retirement for any other reason.

The steps below will not only allow you to retire in 10 years or less but will reduce stress and give you the peace of mind you are looking for in times like these.

Step 1 - Determine when you want to retire. Do you want to retire in ten years, eight years, five years from now? Grab a pen and a piece of paper then write down exactly you want to retire. Include the day, month as well as the year. For example, if you want to retire in ten years from now, write the following: "I will be fully retired by" (today's date plus ten years). If today's date is November 21, 2008, you would write "I will be fully retired by November 21, 2018". Knowing when you want to retire is a critical first step because without knowing when you want to retire, you have no timeline destination. You're like a ship without a rudder aimlessly floating around the ocean.

Step 2 - Determine how much money you will need to retire. Experts agree that a retiree will need 70 to 80% of their current income for every year they plan on being retired. It would be wise to plan on at least 80% to ensure you have enough to cover increasing health care costs. If your annual household income is $60,000, multiply $60,000 by 80% which is $48,000. This is how much you will need for each retirement year. Now when you multiply $48,000 by 20 years (the average number of retirement years), you come up with $960,000. You will need at least $960,000 going into retirement. Next, subtract the amount of money you have available for retirement currently from $960,000 in order to determine how much you lack.

Step 3 - Create a plan to get the money needed to retire. Let's say you want to retire in ten years and you currently have $300,000 available for retirement. Using the example above, if we subtract $300,000 from $960,000, we see that at least $660,000 is needed within ten years. In this step, you will begin to chart your financial road to ensure you reach your desired financial destination. Using straight division, we see that savings of $66,000 is needed every year for the next ten years ($66,000 x 10 = $660,000). Compounding interest will be a major factor in determining how much you need to save annually or monthly for that matter. Let's say you found an extra $500 a month either by making more money, or reducing your debt, or a combination of the two. If you were able to put that $500 dollars a month along with the current $300,000 to work for you at 10.6% annually, you would have $967,907.54 at the end of ten years. The math is too complex to illustrate here but you can punch the numbers in on a financial calculator or Excel to see for yourself.

Making more money and reducing debt will most likely be required in order to reach your retirement goal. Look at your current employment situation when looking for additional income. Ask yourself if there is a way to make more money either by working more hours, selling more, getting a raise, or by other means. If not, you may need to look for additional employment on a part-time basis. You may also consider getting a better paying job if your skills are in demand. Another consideration is starting a home business which provides excellent tax benefits as well as the opportunity to earn additional money.

Reducing high-interest debt should be high on your priority list. 78% of Baby Boomers have mortgage debt, 59% have credit card debt, and 56% have auto debt according to a recent USA Today article about debt. Making a concerted effort to reduce and even eliminate debt will result in additional money you can put towards your savings plan.

As the title of this article suggests, you can retire within 10 years or less when you use the steps outlined above. To repeat, regardless of your current situation or the state of the economy, you can retire within 10 years. Decide when you want to retire then determine how much you will need for retirement. You can live stress-free and have more peace of mind when you create a plan that will allow you to reach your savings goals. Increase your income while decreasing your debt then put your money to work for you at the highest interest rates and the lowest risks possible.

Interested in learning how to get 10% to 50% return on your money with minimum risk? Check out our Website.

Suze Ortoman (http://www.imnotbrokeanymore.com) is a freelance writer and has devoted most of her career to helping families make money, reduce debts, and save money. She has researched the areas of personal finance, investing, home mortgages, wealth, and others. Her most recent research is in the areas of social security, medicare, and retirement. She is a content writer for Vital Information Services.

How to Prosper in a Recession

Remember when Social Security and Medicare were the main subjects of conversation. In 2005, the Social Security trustees admitted that Social Security would be insolvent by 2017 due to the number of people reaching retirement age versus the number of people paying into the program. More benefits will be paid out that will be paid in by taxes. The program is expected to go broke by 2041 according to the trustees. These headlines are no longer getting our attention thanks to the financial storm we are in currently. Experts agree that we are in a recession. By definition, a recession is two consecutive quarters of negative growth in the economy. The effects include escalating foreclosure, bankruptcy, and unemployment rates. In October 2008, the U.S. Department of Labor announced the unemployment rate was 6.5% which is the highest rate in 5 years. People worry about their incomes and spend less, causing the economy to shrink more. If there is too much of a downward spiral, it becomes a depression. It's not surprising that 77 million baby boomers are nervous about retirement. This article is intended to provide hope to anyone who has been a financial victim of the financial crisis that many have compared to a financial hurricane Katrina. Begin by organizing your debt. Your debt could be dragging you down more than you realize during a recession than any other time. There are several ways to seriously handle your debt:

Create a budget and get control over your spending IMMEDIATELY! Put yourself in a situation where you have as much cash as possible. Put a handle on the amount of money you're spending. Reduce unnecessary expenditures. Put off the âaround the world cruiseâ until the economy is in positive territory and there are no threats to your income. Create an account at your bank and use it as an emergency fund if you don't already have one. The goal is to have at least one thousand dollars in the account as soon as possible. It is to be used in cases of emergencies not to replace income. An emergency fund will help reduce the stress levels as well as cover for the unexpected events in life that would otherwise put you further into debt. Attack debt aggressively! There are several options to getting out of debt:

Eliminate debt with highest interest rates.

Many financial planners advise that you begin paying off your credit cards with the highest interest rates first. Their reasoning makes sense but you may want to begin an aggressive campaign to pay off the credit card with the lowest balance first then making extra payments on the credit cards with the highest interest rates. This will provide you with a sense of accomplishment as well as additional money to put towards the remaining credit card payments. Consolidate your unsecured debt. You probably have heard of non-profit companies offering debt consolidation services. What these companies do is negotiate with the credit card companies on your behalf to lower the interest rates. Your total monthly payment will remain the same or it may increase if the debt is to be paid off in a shorter period of time than the normal time period. For example, let's say you have four credit cards and owe $12,000 in total credit card debt. And let's assume that it will take you eleven years to pay off the balance by making the minimum payments. A debt consolidation company will negotiate lower interest rates with the credit card companies in order for you to pay off the balance in less time. This may cause your monthly payment to increase and it will also negatively affect your credit report because this type of service is considered to be third party intervention which appears on your credit report as a bankruptcy.

Settle your unsecured debt. The services of a debt-settlement company are much different than the services of a debt consolidation company. Debt-settlement companies negotiate the debt balances with your credit card companies on your behalf. Using the example above, your debt could be lowered by as much as 80% as a result of the negotiations. You would be making payments to pay off a $2,400 debt balance rather than making payments on your original $12,000 debt balance. Your monthly payments would be greatly reduced and you could be out of debt within three years rather than eleven. Your credit report will be adversely affected. Your creditors will report late payments or account settled to the credit bureaus. These remarks will lower your credit score and make borrowing for large ticket items difficult.

File bankruptcy. Bankruptcy is designed to help people who are insolvent and cannot pay their debts. Bankruptcy requirements and laws have become more stringent in the last several years for people wishing to apply. Keep in mind that bankruptcy is not a âget out of debt freeâ pass. There are attorney fees and, depending on the type of bankruptcy you are awarded, you may need to continue making payments to your creditors. Obviously bankruptcy reflects negatively on your credit report and can remain on your credit report for up to ten years and can prevent you from obtaining credit, insurance, an apartment rental, and even employment. This choice should be your last resort.

Make more money! That's right. Even in a recession there are opportunities to make more money than you were making before the recession. There are many industries that are unaffected by recessions and there are industries that thrive during recessions. Let's examine the current conditions. Interest rates are extremely low. Ordinarily this would be the ideal time to borrow money or refinance your auto or home. However money is tight. The banks are reluctant to lend money out of fear that the money will not be repaid. With interest rates this low, investors are having difficulty finding investment vehicles to grow their money. The stock market traditionally has provided double-digit returns. Do you think anyone in their right mind is willing to invest heavily in the market today especially after experiencing a 52% decline in just one year? Foreclosures are at record levels and people are struggling to pay their mortgages on time. Even more are having difficulty paying their property taxes.

People are concerned about their jobs. Major corporations have announced significant layoffs which will ripple through the economy. Right time and right place. Taking these conditions into perspective, it would appear that people who could provide information to investors with options to grow their money aggressively (from 8% to 50% annually) with little or no risk, would be in high demand. People who could show others how to begin a business allowing them to replace their income would be in high demand as well because home-based businesses offer tremendous tax benefits as well as income opportunities. Prospering during a recession will require you to organize your personal finances in a way that will free up money. Use this money to create an emergency fund if you don't already have one. Use the remaining money to invest in high-return, low risk investments and to start a tax-reducing business. This business will help investors find opportunities to grow their money and help others concerned about their jobs to reduce taxes and replace their income with a home business as well. When you help enough people, you will prosper and spiral up and out of this recession with enough momentum to put you on the track of becoming extremely wealthy.

This content is provided by Suze Ortoman (http://www.imnotbrokeanymore.com) and may be used only in its entirety with all links included. Suze Ortoman is providing hope to Americans by helping people prosper financially and get on the path to becoming wealthy. She is a content writer for Vital Information Services.

Suze Ortoman (http://www.imnotbrokeanymore.com) is a freelance writer and has devoted most of her career to helping families make money, reduce debts, and save money. She has researched the areas of personal finance, investing, home mortgages, and others. Her most recent research is in the areas of social security, medicare, and retirement.

Millions of Americans are discovering how to attain wealth with a small business. Many individuals are being outsourced due to companies downsizing. This trend is expected to continue due to increasing foreign competition and factors in the US economy. A small business is defined as a business with 10 employees or less. A home-based business falls under the category of a small business for our discussion therefore we are also speaking of home-based businesses. A small business is one of the last significant tax shelters other than a home for middle-income Americans. Individuals can receive tremendous tax incentives with a small business along with income-generating opportunities. Items such as training, books, business meals, entertainment, business travel, payment to family members for employment services, auto maintenance, utilities, a percentage of the mortgage or rent, and others. Tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations, visit http://www.imnotbrokeanymore.com

The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the deductions would not apply.

A business owner can employ several strategies to generate wealth. Using the tax deductions allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and depending on the children's tax bracket, the wages could be tax exempt income for them as well.

Take, for example Bob, who is an employee of a company. Bob receives $40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $12,000 in revenue. The expenses were $15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.

Because Bob's business had a net loss of $3,000 ($12,000 - $15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $37,000 to the IRS rather than $40,000. Depending on other things going on in Bob's life, this could reduce his tax liability. The IRS allows for business deductions but does not allow for tax avoidance. Be sure you understand the difference. There are certain items that can be deducted in a small business that could effectively lower an individual's taxable income as long as it is not a ploy to avoid paying taxes. The business owner must make every attempt to make a profit. Otherwise, after the third year, the IRS views the operation as a hobby as stated previously. Again, tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations.

A business can be established in several methods such as a franchise, multi-level marketing, affiliate, and start from scratch method. A franchise is a method of doing business wherein the franchisor approves a franchisee to use certain processes of doing for an upfront fee and a percentage of monthly sales or monthly profits. It is a cookie-cutter approach to owning a business. Franchises can cost as little as $20,000 and up to several millions of dollars.

Many forward-thinking company executives have adopted the multi-level marketing or MLM technique to selling their products and/or services. With a MLM business, an individual can receive training support, and possibly marketing support from the parent company. A MLM business owner earns a commission on their personal sales as well as a commission on the sales generated by the people they have recruited into the organization once certain qualifications have been met. This type of business can be started with as little as a $49 investment or with as much as several thousands of dollars.

An affiliate business is one in which an individual agrees to market a company's product or service in exchange for a commission. An affiliate usually receives a Website and earns a commission on revenue or leads generated through the Website. Some affiliate programs have a tier structure allowing the business owner to also earn revenue from affiliate members who signed up from their Website.

Starting a business from scratch can be the most risky of all choices. There are many areas that must be explored and mastered in order for this method of business to be successful. Historically, startup businesses using this method have a much higher failure rate than the other startup methods. However you have more control over the service/product pricing, marketing, distribution, and other aspects of the operation. It can be very satisfying when your product or service is delivered in the manner you envisioned.

With the additional income from the business coupled with the tax savings, you could have the opportunity to save more money on a monthly basis toward your retirement funds, college funds, and/or dream funds. If you are able to save this additional money in high earning yields (methods paying high interest rates), you can build substantial amounts of wealth over time. Consider the following:

Saving $500 a month at a rate of 10% for 20 years would result in approximately $102,433 in your savings fund.

Saving $1000 a month at a rate of 10% for 20 years would result in approximately $204, 867. Twice as much as if you were saving $500 a month.

Now consider these:

Saving $500 a month at a rate of 15% for 20 years would result in approximately $137,636 in your savings fund. Over $35,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 15% for 20 years would result in approximately $275, 272. Over $70,000 more in your fund than if your money was growing at 10% annually.

Saving $500 a month at a rate of 20% for 20 years would result in approximately $188,107 in your savings fund. Over $50,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 20% for 20 years would result in approximately $376, 215. Over $100,000 more in your fund than if your money was growing at 10% annually.

This is the magic of compound interest and is how you can generate a great deal of wealth. The key is to maximize, maximize, maximize. Use a small business to maximize your monthly savings contribution. Maximize the amount of interest your money will earn annually. And maximize the number of years the money will grow.Millions of Americans are discovering how to attain wealth with a small business. Many individuals are being outsourced due to companies downsizing. This trend is expected to continue due to increasing foreign competition and factors in the US economy. A small business is defined as a business with 10 employees or less. A home-based business falls under the category of a small business for our discussion therefore we are also speaking of home-based businesses. A small business is one of the last significant tax shelters other than a home for middle-income Americans. Individuals can receive tremendous tax incentives with a small business along with income-generating opportunities. Items such as training, books, business meals, entertainment, business travel, payment to family members for employment services, auto maintenance, utilities, a percentage of the mortgage or rent, and others. Tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations, visit

The small business should be started with every attempt to make a profit. The IRS allows the business owner time to generate a profit. Most business owners will incur a loss for at least the first year of operation. Some incur a loss the second year as well. If the business does not show a profit by the third year, it is in risk of being labeled a hobby by the IRS. Hobbies are not given the same tax consideration as small businesses therefore the deductions would not apply.

A business owner can employ several strategies to generate wealth. Using the tax deductions allowed by the IRS, a business owner may elect to pay his or her children to help out with the business. The children could put all or a portion of their wages into a tax-deferred college savings fund. The wages would be a tax deduction for the parent and depending on the children's tax bracket, the wages could be tax exempt income for them as well.

Take, for example Bob, who is an employee of a company. Bob receives $40,000 a year from his employer in wages. Now let's say that Bob decides to start a small business. The first year, his business has $12,000 in revenue. The expenses were $15,000 for the first year which included business meals, business travel, educational training (books, seminars, etc), wages to family members, advertising, office expenses (printer, computer, paper, etc), utilities for his office, mileage for his auto for business travel, costs related to manufacturing the product or providing the service, a percentage of his rent or mortgage if his business met the IRS criteria of a home-based business, and other business expenses.

Because Bob's business had a net loss of $3,000 ($12,000 - $15,000), he could report a lower taxable income to the IRS. In other words, he would report his taxable income to be $37,000 to the IRS rather than $40,000. Depending on other things going on in Bob's life, this could reduce his tax liability. The IRS allows for business deductions but does not allow for tax avoidance. Be sure you understand the difference. There are certain items that can be deducted in a small business that could effectively lower an individual's taxable income as long as it is not a ploy to avoid paying taxes. The business owner must make every attempt to make a profit. Otherwise, after the third year, the IRS views the operation as a hobby as stated previously. Again, tax advice is beyond the scope of this document and the discussion here is not intended to provide advice, strategies, or education on tax subjects. To get the necessary information on small business tax considerations.

A business can be established in several methods such as a franchise, multi-level marketing, affiliate, and start from scratch method. A franchise is a method of doing business wherein the franchisor approves a franchisee to use certain processes of doing for an upfront fee and a percentage of monthly sales or monthly profits. It is a cookie-cutter approach to owning a business. Franchises can cost as little as $20,000 and up to several millions of dollars.

Many forward-thinking company executives have adopted the multi-level marketing or MLM technique to selling their products and/or services. With a MLM business, an individual can receive training support, and possibly marketing support from the parent company. A MLM business owner earns a commission on their personal sales as well as a commission on the sales generated by the people they have recruited into the organization once certain qualifications have been met. This type of business can be started with as little as a $49 investment or with as much as several thousands of dollars.

An affiliate business is one in which an individual agrees to market a company's product or service in exchange for a commission. An affiliate usually receives a Website and earns a commission on revenue or leads generated through the Website. Some affiliate programs have a tier structure allowing the business owner to also earn revenue from affiliate members who signed up from their Website.

Starting a business from scratch can be the most risky of all choices. There are many areas that must be explored and mastered in order for this method of business to be successful. Historically, startup businesses using this method have a much higher failure rate than the other startup methods. However you have more control over the service/product pricing, marketing, distribution, and other aspects of the operation. It can be very satisfying when your product or service is delivered in the manner you envisioned.

With the additional income from the business coupled with the tax savings, you could have the opportunity to save more money on a monthly basis toward your retirement funds, college funds, and/or dream funds. If you are able to save this additional money in high earning yields (methods paying high interest rates), you can build substantial amounts of wealth over time. Consider the following:

Saving $500 a month at a rate of 10% for 20 years would result in approximately $102,433 in your savings fund.

Saving $1000 a month at a rate of 10% for 20 years would result in approximately $204, 867. Twice as much as if you were saving $500 a month.

Now consider these:

Saving $500 a month at a rate of 15% for 20 years would result in approximately $137,636 in your savings fund. Over $35,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 15% for 20 years would result in approximately $275, 272. Over $70,000 more in your fund than if your money was growing at 10% annually.

Saving $500 a month at a rate of 20% for 20 years would result in approximately $188,107 in your savings fund. Over $50,000 more in your fund than if your money was growing at 10%.

Saving $1000 a month at a rate of 20% for 20 years would result in approximately $376, 215. Over $100,000 more in your fund than if your money was growing at 10% annually.

This is the magic of compound interest and is how you can generate a great deal of wealth. The key is to maximize, maximize, maximize. Use a small business to maximize your monthly savings contribution. Maximize the amount of interest your money will earn annually. And maximize the number of years the money will grow.

To learn more about maximizing your options, visit http://www.imnotbrokeanymore.com

Suze Ortoman has devoted many years researching the areas of wealth, retirement, and other personal finance topics. This article may be copied with credit to author given but may not be modified in any respect without author's prior approval. To learn more about maximizing your options,

Suze Ortoman has devoted many years researching the areas of wealth, retirement, and other personal finance topics. This article may be copied with credit to author given but may not be modified in any respect without author's prior approval. To learn more about this topic, visit http://www.imnotbrokeanymore.com

When you say the words "Give Me Money" to yourself, you're tapping into a realm of your subconscious mind and asking it to figure out a way to give you money.
The purpose of this article is to help millions of Americans who are wanting to know what do to make money. You can earn money with the information your subconscious has stored away in its vault. If you are asking yourself "How can I earn money?", your subconscious may very well hold the answer.

Just say "Give me money" from your money-making machine that is inside of your brain repeatedly throughout the day.

Earning money is easy once you know the secrets and your subconscious mind can show them to you. Find out how to make money by just saying "Give me money" several times a day out loud to yourself.

You can put your trust in your subconscious mind. It is constantly working even when you are asleep. It will perform tasks that you command it to perform. Psychologists who study the subconscious have been amazed at its ability to provide answers to problems. The subconscious is a very powerful part of your brain and has untapped potential that you can harness in order to improve your life. Put your subconscious to work for you whether you want money, happiness, a relationship, better grades, a better job, a better physique, a better relationship with your family members or friends, etc.

For example, have you ever asked yourself "How can I make money?" And you have been looking for away to earn money from home. Your subconscious mind is an excellent resource to employ. It's fairly easy to get it searching for solutions for you. No matter what they are.

If you're wanting money, try this for kicks. Drink three tall glasses of water and then say out loud to your subconscious mind "give me money" each night before going to sleep. Also, make sure you have pen and paper next to your bed. Before you take that inevitable trip to the rest room, write down the details of your dreams with the pen and paper next to your bed. You will begin receiving information from your subconscious which is working faithfully each night to provide you with the answer you are looking for in order to earn money.

Before long, you will be saying to yourself, "give me more money". And do you know what? You will get it.

This content is provided by Suze Ortoman and may be used only in its entirety with all links included. Suze Ortoman is providing hope to Americans by helping people prosper financially and get on the path to becoming wealthy through home-based business and work at home opportunities. Visit www.imnotbrokeanymore.com - I'm not broke any more for more information and tips.

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