Financial Planning, Family Planning & Financial Success

Learn why Financial Planning and Family Planning go hand in hand for those who desire Financial Success throughout their lifetime…

 

Isn’t it time you let go of your thoughts that make you weak and embrace the thoughts that make you strong!  In this discussion TheWealthIncreaser.com will show you how you can use the power of your mindand the right action to effectively plan your and your family’s future so that you can make life more enjoyable while you are here on planet earth.

 

It is important that you educate yourself so that you can take appropriate action in your financial future.  Or, another way of looking at it is you must take an intelligent, consistent and proactive look at what you desire to occur in your financial future.

 

You can attain more joy and fulfilment in your life by asking the right questions about your financial future at this time.  You must be strategic about your future and use what will help you achieve your goals more effectively—and more efficiently.

 

You don’t have to confront your future in an emotional or random manner where any direction at that moment will satisfy you!  Isn’t it time that you pursue a future that can not only lead you to phenomenal financial success, but one that also allows you to spend more time enjoying life and positively shaping the future of your family, friends and society?

 

It is the desire of TheWealthIncreaser.com that you will start on a path (go only in the direction that will lead you to true success) today that will allow you to do just that—and more!

 

Financial Planning

 

The decision by you at this time to analyze your finances in a sincere manner can lead to you reaching your goals in a timely manner.

 

Financial Planning is a process that can benefit many, however very few actually “get out in front” of their finances in a proactive manner (before something bad happens or before they feel they are forced to do so) so that they can achieve more.

 

TheWealthIncreaser.com asks that you take an introspective look at your past, your present and your future so that you can begin to seriously plan for the success that you desire.

 

Family Success

 

You can achieve your goals earlier and have a definite feel of what you can do at a particular time in your life (while you raise your kids) by creating a written plan of action at all of the major levels of your finances.

 

The ability for you to send your kids to private school, take yearly vacations, go on weekly family outings, reach your investment goals, reach your retirement goals and reach many other goals that are unique to what you and your family want to achieve—will come into clear focus once you write down and formalize the action that you need to take.

 

By writing down what you desire to occur you can put yourself in position to reach many of your goals and help actively raise your kids.  You will know with more certainty what you can do at particular points in your life!  You can help prepare your children for their college years and you can nurture them along the way with confidence because you will have the knowledge and practical understanding of what you can do on monthly, annual—and long-term basis!

 

Financial Success

 

Your ultimate financial success will depend on what you have done on a daily basis to prepare yourself and your family for the future that you desire.

 

By effectively creating a cash flow statement or budget, mastering your credit at a level that is the best that is within you and analyzing and addressing your finances in a comprehensive manner—you set yourself and your family up for the ultimate success that you desire.

 

Conclusion

 

You can go about your life without planning for your and your family’s future (or inadequately planning) or you can choose a comprehensive, intelligent, consistent and proactive approach that has the potential to help you see in clear terms what you can do at the various stages in your life.

 

By using your heart and mind to plan for your and your family’s future success you are embracing the thoughts that make you strong! 

 

You are positioning your mind for success on the front end and you are getting out in front of your finances in a way that will lead to true success.

 

In a nutshell you are making up your mind to give it your best and you are actively putting yourself in position to nurture your nest (helping to cultivate positive results for your family)!

 

All the best to your lifetime of success…

 

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Vision & Wealth Building

Learn how seeing your wealth building future with more clarity helps you achieve more…

 

Did you know that your vision of the NOW, your vision of the HOW, your vision of the THEN and your vision of the WHEN provides you more clarity and helps you direct your financial future at a very high level?

 

Although not in a blogging mood, TheWealthIncreaser.com was presented with this uncanny and unusual topic with the speed of a bolt of lightning and the vision of this page was made clear in a manner that TheWealthIncreaser.com had to act.

 

In a similar manner that the inspiration to create TheWealthIncreaser.com came—so too did the inspiration or vision to create this page on this day occur!

 

Your Vision of the Present or What You Can do NOW Must be Made Clear Inside of Your Mind

 

Your precise understanding of where you are now at financially is a critical element to you achieving more in a timely manner during your lifetime.  You must know your monthly inflow and outflow of cash and you must know at this time if you have excess income (discretionary income) to work toward your vision of the future that you desire for yourself and your family.

 

If you are currently spending more than you take in on a monthly basis that must be corrected and you must see yourself making the right decisions as it relates to the monthly management of your finances.

 

You must know your current credit position NOW—and make improvements or adjustments where and if necessary!  You must know your “money management style” and do what you can do “at this time” to improve your money management as best you can and in as “comprehensive a way” as possible.

 

Your Vision of HOW You Will Achieve What You Desire in Your Future Must be Made Clear Inside of Your Mind

 

You must have a clear vision of the “steps that you need to take” or you must know within your mind how you will achieve the goals that you desire.  Will you put a written plan in place that will provide you more direction?

 

Will you approach the steps that you need to take in a sincere manner—or are you just kidding yourself?   You must have a serious approach and you must know how you will move toward taking the steps that you need to take.

 

Your Vision of Accomplishment Sets You Up for the THEN so that You Can Pursue Other Goals or Visions that You May Have

 

Once you achieve your goal or vision that you saw—will you come up with more inspiring goals or continue to pursue other goals that you already had in mind and committed to writing?

 

Once you begin achieving the goals that you saw in your mind on a number of occasions you can get momentum on your side and use that momentum to achieve more in a more definite way.

 

By Seeing Your Present & What You Can Do NOW, Knowing HOW You Will Do What You Need to Do and THEN Accomplishing What You Saw In Your Mind You Will Know WHEN You Can Achieve a Number of Goals and Live Out Your Life in a More Comfortable Manner

 

By putting it all together within your mind (knowing what you can do now, knowing how you will do what you will do now and accomplishing what you set out to accomplish on a number of occasions) you can know WHEN you can start enjoying life in the manner that you envisioned.

 

That yearly vacation that you always dreamed of, that vacation home that always seemed to be beyond your reach, the payoff of all of your creditors that you once only dreamed of—or many other goals that are “uniquely” your own, can now be accomplished in a possibly reasonable and realistic time frame because you took a committed look at the HOW and NOW and the THEN and WHEN as it related to your financial future.

 

CONCLUSION

 

You have the ability to know WHEN you can start enjoying life on your terms if you put together a written plan for success that you formulate (or formulate with others) at this time.

 

Your clear vision of HOW you will achieve at a higher level will give you added clarity that can “take away the stress of managing your finances more effectively” throughout your lifetime—possible.

 

It is the desire of TheWealthIncreaser.com that this page has provided you with some clarity as to how you can jumpstart the management of your finances and achieve at your highest level of excellence.

 

All the best to your new VISION for Success…

 

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Credit Management & Wealth Building

Learn why now is the time to take a fresh new look at your “credit management” from a different CAMERA lens…

 

Did you know that Credit Management is a vital step when it comes to Wealth Building?

 

Did you also know that effective credit management is a major part of reaching your overall financial and wealth building goals?

 

In this discussion TheWealthIncreaser.com will present what is significant as you embark on managing your credit and show you proven ways that you could possibly manage your credit better in the current economy.

 

A change in your attitude or a change in your money management personality can lead to a change in your financial behavior and take you toward your goals in a more effective and efficient manner.

 

You must expect success  and you must take the necessary action to attain that success whether it be managing your credit—or finances!

 

You can ENHANCE your future credit outcomes by seeing your future goals with more clarity and by “taking a picture” of your future with the right CAMERA lens.

 

Control

 

You must realize that you have control over your daily habits and you can change them for the better if you make a serious commitment to do so.  You control the amount of borrowing that you do, the number of creditors that you decide to engage with and many other factors related to your credit management.

 

You must leave excuses behind and start where you now are.  If you are new to credit you can learn how to do it right.  If you are not new to credit but would like more empowering tools to help you manage your credit more wisely—you too are on the right page.

 

Determine where you now are—credit wise—TODAY!  Put yourself in control—as that is the best WAY!

 

Action

 

Your wise management of your credit and  debt management activity is critical for your future success.  It is critical that you effectively utilize personal financial statements so that you can gain the added clarity and realistic expectations that are needed to take you where you desire to go.  It is “you” who must take action if you desire to manage your credit effectively throughout your lifetime.

 

You must activate debt management strategies that are proven and will get you the results that you desire.

 

Monitor

 

You must effectively monitor your debt payoff and debt pay-down efforts and make improvements and adjustments when necessary.  Whether you meet with a financial advisor or you manage your credit yourself you must have an effective and foolproof monitoring system that allows you to stay on track—or get back on track when your situation calls for that.

 

You may have to pull your credit report at designated intervals, use “credit resources” appropriately and challenge mistakes and errors on your credit reports and have them corrected—depending on where you now are.

 

Expect Success

 

You must have a thorough understanding of the Wealth Building Basics and you must have a positive mental attitude while you manage your credit and finances!

 

You must have the mental focus and clarity of vision so that you can achieve your goal(s) with precision.

 

By expecting success you open up your mind to more creative ways of reaching the success that you see—thereby increasing your odds of reaching “your destiny” or who you were truly meant to be.

 

Realistic Expectations

 

You must have a working knowledge of the 5 credit factors and know that a low score generally means you are irresponsible in your credit management while a high score generally means you have been responsible in your use of credit.

 

You must realize that once you get your first loan or credit card (or possibly added to another account as an authorized user) the clock starts as far as your credit management career goes.  After 6 months of activity your FICO score will be calculated—generally speaking.

 

By knowing and applying the “5 credit factors” you can control your outcomes (your FICO score) and get a “realistic picture” of how you will effectively manage your credit throughout your lifetime.

 

Attitude

 

Your attitude or how you see your future (including your financial future) and how you see and interact with others (including how you interact with your finances) is critical for your future success.  It is important that you have the right mindset as you manage your credit as by doing so you create the right environment for credit success and life success.

 

Take a picture of “your attitude” at this time and put in concerted effort (work) to move toward a better picture angle (a better personality and attitude) that exudes success in all that you do!

 

 Conclusion

 

Don’t be financially limited during your lifetime if you have a need or desire to utilize credit.

 

By looking at your future through “the right” CAMERA lens you can put yourself in position to manage your credit wisely throughout your lifetime and you can also put yourself in position to help others improve their credit as well.

 

Control

Action

Monitor

Expect Success

Realistic Expectations

Attitude

 

Doing all of the above as it relates to “your” CREDIT MANAGEMENT future will put you on a serious path to success in all areas of your finances throughout your lifetime.

 

Your retirement goals can be attained, your membership at your favorite fitness center can be achieved, your funding for your kids or grand-kids college tuition can be attained, your yearly vacation to the destination of “your” choice can be attained, that home purchase that you desire can be attained, however it all starts (or continues) with your effective management of your finances–including your credit management!

 

Effective credit management depends on you taking the time now to master the 5 credit factors so that you can achieve your goals throughout your lifetime.

 

You must optimally manage your monthly cash flow and make good choices by determining now whether you want to appropriately spend, appropriately save and appropriately manage (or consciously or sub-consciously inappropriately mismanage) your disposable and discretionary cash flow.

 

You can also take your credit knowledge as high as you want to by visiting “All About Credit” and really put yourself and your family in position for major success.  You can now choose how high—or low you want to take your credit knowledge—and your application of that knowledge!

 

Once you get your credit to where you desire that it be, effective management is rather easy as long as you pay on time and you keep your usage under 10%.  At that point you could look into reward cards and other perks that are offered by credit card issuers. 

 

A properly funded emergency fund will help ensure that you are in position “throughout your lifetime” to effectively keep your credit card debt at a minimal (or manageable) level.  In life, unexpected turns often occur when you are least prepared.  A properly funded emergency fund will put you in better position for success as you strive to give it your best!

 

This page and the links on this page will provide you with what you need to effectively manage your credit throughout your lifetime.

 

However, it is up to you to apply and take the necessary action on a consistent basis so that you can optimize your credit score and manage your credit in real time at a very high level.

 

All the best to your credit management success…

 

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Wealth Building Basics

 

Learn why the “TIME” is now to start Wealth Building in a more “Thought Provoking” manner…

 

Did you know that how you look at or see your future in large part determines if what you see will materialize in your future?  In this discussion TheWealthIncreaser.com will discuss how your mental focus and thought process is critical for your future Wealth Building success.

 

It is important that you act on your future goals that you want to see in your life and it all starts with a thought, imagining that “your” future goals that you create and want to see in real time will actually occur and having the “mental presence of mind and the right knowledge” that allows you to apply what you know consistently.

 

You must also realize that it will take major effort on your part to bring into existence a new and more rewarding future as you journey toward building wealth for yourself and your family!

 

Thoughts & Wealth Building

 

Your daily or recurring thoughts about what you desire to occur in your future is the starting point for you putting in place something big that can get you on a path to building wealth more efficiently.

 

You must think about your monthly income and expenses, think about whether you can save more effectively, think about whether you can manage your credit more effectively and think about whether you can manage all areas of your finances more effectively!

 

Your daily thoughts or dominant thoughts must be positive and uplifting—and by transferring your thoughts about your finances into a “written plan of action” you can activate your mind to achieve much more throughout your lifetime.

 

Imagination & Wealth Building

 

You must imagine a brighter future and you must see it happening!  It is imperative that you “dream big” and have every intention on reaching “your big dream.

 

You cannot limit yourself by letting the thoughts of others, the opinion of others or the actions of others deter you from the future outcomes that you desire.

You have all of the tools (or you will soon have the tools) that are needed for you to achieve at a higher level and you must dream big to activate those tools at this time—or once you acquire the necessary tools that are now at this time “not in” your toolbox—or are at this time lying dormant in your toolbox.

 

Imagine a brighter future, put in the work to make it happen and build your wealth to a level that allows you to do what you really like to do (your life purpose) during your lifetime—starting today!

 

Mental Working Knowledge & Wealth Building

 

In TheWealthIncreaser.com’s opinion nothing is as disheartening as when empowering advice is presented in an empowering format—yet the person receiving the information fails to act when it is in their best interest to act.

 

There are varying reasons why those who choose not to act—fail to act!

 

Having seen this occur all too frequently over a number of years the creator of TheWealthIncreaser.com had to come up with a way that visitors could actually process meaningful personal finance and wealth building advice, easily carry it within their mind and more importantly—provide them the ability to apply what they had learned in a manner and at a time that served their best interest—not the best interest of creditors or others who had no real concern about their future.

 

If you desire to achieve “much more” throughout your lifetime it is imperative that you gain the “mental working knowledge” that will allow you to operate at a higher level on a daily basis!

 

Effort & Wealth Building

 

It is important that you realize at this time that effort will be required of you if you are sincere in making your wealth building dreams come true.

 

Your daily thoughts, your big imagination and your knowledge and understanding of “mental working knowledge” serves no real purpose if you have decided deep within your heart and mind (either consciously or sub-consciously) that you are not willing to put in the required effort—regardless of the roadblocks or adversity that you are now facing—will face or have faced in your past.

 

You must leave excuses behind and look forward and understand fully that it will take increased effort on your part as you venture on your fresh start.

 

Conclusion

 

The T I M E is now for you to successfully change your habits for the better so that you and your family can achieve the dreams that you desire in any kind of weather (regardless of the season in your life).

 

You must plant seed (create powerful thoughts inside of your heart and mind), water (gain the preparation that is needed) and bear fruit (reach the powerful thoughts that you imagined inside of your heart and mind) in real time—by taking the necessary action on a consistent basis!

 

You must “intelligently look at your wealth building goals” on the front end (prior to making the wrong moves) so that you can proactively gain the knowledge that can make your wealth building efforts happen in a more stress-free environment.

 

It all begins with a “serious thought” within your mind that you can build wealth more effectively, your willingness to put in the required effort and your real belief within your mind that you will have the endurance to see it through!

 

It is critical that you dream big—and have every intention on reaching that big dream!

 

The environment “that you create within your mind” will determine if you are in a fertile or a desert environment. 

 

By planting in fertile soil at this time you are starting on a path to obtaining the “mental working knowledge” that is needed for major success and you are intelligently planning your future, thereby enhancing your likelihood of success throughout your lifetime when it comes to wealth building.

 

Effective WEALTH BUILDING is very important and your success depends on how you manage your monthly cash flow and how you choose to handle or manage your overall  finances (spend more, save less and not effectively manage the rest or spend less, save more and effectively manage the rest).

 

You may need to get more income, cut expenses or do a combination of the two—if you are truly dedicated to making your dreams come true!

 

In short, you must know how you handle your discretionary income on a monthly and annual basis and you must know if you have the discipline—or you are really willing to put in the effort that is required that will put you in position to effectively manage your credit and finances throughout your lifetime.

 

You must not underestimate the power of your thoughts on a daily basis, the importance of dreaming big, the importance of having the mental working knowledge and the importance of knowing the expended effort that is required to tie it all together so that you can achieve at your highest level on a consistent basis.

 

Although the task may look daunting at this time you can ease the process considerably if you make the decision to get started!

 

Once you get momentum rolling and you get into the habit of taking the right action at the right time Wealth Building will occur—in large part because you decided to look at (and act) on your finances in a more thought-provoking manner.

 

This page and the corresponding links in this discussion will provide you all that you need—and more, to effectively and efficiently manage your finances optimally from “this day” forward.

 

All the best to your wealth building success…

 

 

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Estate Planning/Wills & Wealth Building

LEARN WHY ESTATE PLANNING/WILLS & WEALTH BUILDING SERVES YOUR BEST INTEREST NOW AND AFTER YOUR TRANSITION…

 

Estate Planning/Wills is often a difficult topic for most (including the creator of TheWealthIncreaser.com ) to confront.  However, we all have a “time stamp” on how long we will navigate this planet called earth.  Estate Planning is an effective tool for building and transferring wealth and you must know at least the basics of how utilizing effective estate planning can ease your burden while you enjoy life to the fullest.

 

Learn how you can master the “5 credit factors ” and achieve your dreams…

 

Unfortunately the creator of TheWealthIncreaser.com has a lot of experience in this area and in this discussion TheWealthIncreaser.com will try to share tips that could be helpful if you are now ready to confront this difficult area of Wealth Building.

 

As you put an estate plan together it is imperative that you have an insurance policy in place at the various points of your life stage.  By doing so you protect your family in a number of ways. Insurance is often the first and cheapest line of defense for doing just that.  It is also important that you realize that you must protect your family in the case of your early demise in other ways as well.  However, estate planning is an area of personal finance and wealth building that must not be overlooked!

 

It is also important that you manage your finances responsibly throughout your lifetime in all areas—comprehensively!

 

You must have a mental system that allows you to manage all areas of your credit and finances at all times!

 

You must have an effective understanding of how you can manage your estate more effectively and it is imperative that you gain that understanding and take action as soon as possible.

 

Speaking of life insurance—did you know that a trust can be the beneficiary of your life insurance policy if it is set up correctly and that could be an effective strategy for you—depending on your net worth and future goals?

 

Did you know that probate in many states average 12 to 18 months to complete?  If you or a loved one were to make your transition and you had a will (or even if you did not have a will in some states) that could be a grueling time for you or your loved ones due to the probate process and the grief that you would experience during that  same period!

 

Did you know that Probate using a will—will be made public—while a “living trust” will not?

 

If you were to transition “Intestate”—state laws rule.  If you transition while having a will—or you transition with no will—then probate could be in your or your loved ones future.

 

Benefits of a Trust

 

With a Trust—you can control distribution of your assets to your heirs or other causes that are dear to your heart.  For example, you could leave 1/3rd, 1/3rd to your 2 children and 1/3rd to your favorite charity—or you could do a 50—50 split to each child.  You can leave what you desire to the church(s) that you choose, the college(s) that you choose or the charity(s) that you choose in a more appropriate and definitive manner in most cases!  The limitations are only limited by your (and/or your attorneys imagination) and the constraints of the laws in your state.

 

You can specify how your child will receive income or distributions—or if they will receive any income at all, you can specify how your adult children will receive income and at what intervals, you can specify that your loved ones receive income at retirement age and thereafter, you can specify they receive no income until they are off drugs and verified along the way that they are off drugs by having trust beneficiaries take scheduled drug or alcohol tests—you name it a trust attorney can draft it in your living trust if it is allowable by law in your state.

 

You can help protect your heirs from creditors with a “drip release” if your heirs are facing divorce or other life challenges—NOW OR IN THEIR FUTURE.

 

In short, your Living Trust can be set up to spell out your wishes!  You must always realize that a trust is more difficult to contest than a will or having no will at all!  That is a major advantage—plus a trust will not be made public!

 

Always realize that your life insurance is part of your estate for estate tax purposes in virtually every state.

 

With a Living Revocable Trust—you can add assets (the trust owns your assets) and avoid probate.   You would be the “trustee” while you are alive and a “successor trustee” (that you could choose now) would take over upon your transition.

 

Even a will that leaves everything to your spouse may not be effective as a living trust—it depends on your situation.  In many instances a living trust is better than a deed transfer for real property when estate planning.

 

Why go through probate in your state when a living trust could be a better option for you and your family?  Grieving is hard enough without the headache of probate.

 

If you have a will—an executor of your estate will be needed!  Even if you feel you have modest income a living trust and/or a will may be effective tools for building wealth for either you or your loved ones.

 

Now that you understand estate planning/wills better—it is the desire of TheWealthIncreaser.com that you will do better as it relates to transferring your estate or assisting your loved ones who will potentially transfer their estate to you.  Share your knowledge and realize that for several thousand dollars you could possibly set up the transfer of your estate in a manner that you not only agree with—but more importantly carries out your intended wishes.

 

Your heirs and others will not have to squabble and distance themselves from each other after you are gone.  Because you have intelligently looked ahead—and planned effectively while you were of sound mind for what lies ahead as best you could while you were here on planet earth—peace of mind happens as a matter of course on a daily basis in your life!

 

Avoid uncomfortable conversations and confrontations with your children, siblings and other family members in the future—have peace of mind now—a consultation with a highly competent living trust attorney may be able to show you how.

 

Cost

 

If you are single three-thousand and up—if you are married five-thousand and up generally speaking, but depends on your state and how complex your situation is.  Every situation for estate planning is different and will require a legally crafted solution based on your income, assets, future goals and many other factors.

 

A Durable Power of Attorney and Advanced Directive with Power of Attorney for Medical Purposes can also be included inside a living trust for an additional fee.

 

NOTE: It is important that you realize that the above discussion is not intended to be legal advice but is provided in an effort to get you thinking at a higher level about a topic that is difficult for most to confront!

 

Even so, it is better to confront on the front end what you desire to happen after your transition (no pun intended) if you desire to live more abundantly and have peace of mind by knowing what lies in the future for your family, your heirs and other causes that are dear to your heart.

 

It is the desire of TheWealthIncreaser.com that this discussion has forced or inspired you to look at your estate in a more comprehensive and all-encompassing manner and will lead to you taking the necessary action to responsibly leave your finances and your estate after your transition to those who you love (along with the causes that you love) in a manner that serves your desires and wishes.

 

Now is not the time to rest…

Now is the time that you give it your best…

CHEERS to your future success…

 

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Homeowner Tax Breaks & Strategies

Learn how you can save on your personal taxes by using the tax codes and strategic maneuvering…

 

In the current economy it is important that you use the personal income tax laws to your best advantage.  With the tax season roughly at the mid-point and the home buying season just months away TheWealthIncreaser.com thought that Homeowner Tax Breaks & Strategies was an appropriate topic to focus on at this time.

 

In the following paragraphs you will learn what you can do to lighten your tax burden and possibly achieve your goals in a timely manner if you are now a homeowner or you anticipate becoming a homeowner in the future!

 

If you are like most—focusing on your taxes is not a pleasant experience.

 

However, by focusing on and comprehending what lies ahead in your tax future you can possibly put yourself in position to experience more pleasurable moments in your and your family’s future. 

 

Be sure to choose among the following strategies (if you see the benefit of doing so) and lighten your tax burden and achieve your future goals in a more efficient manner.

 

It is important that you find an approach to effectively manage your personal taxes in the current economy that works for you and it is important that you have some ideas—and knowledge about how you can lighten your tax burden that will move you toward your future goals in a more efficient manner.

 

Be sure to retain and utilize what you feel can help you achieve your dreams in a timely manner and run what you feel might work for you by your tax professional to see if any of the following tax strategies can benefit you and your family.

 

OK enough fluff—be sure to analyze how you can utilize the following strategies if you are now a homeowner—or you intend on being a homeowner in the future:

 

  • Mortgage Related Tax Breaks

You can deduct mortgage interest, points, PMI/MIP  (a reduction in MIP of $500 for the average homeowner was expected this year in the United States but was abruptly cancelled with the change of Administrations) and your property taxes while you are a homeowner and have a mortgage and possibly property taxes even if you are not a mortgage holder.

 

You must itemize your taxes in order to claim the deductions and by doing so you will save in taxes on your federal and state returns.  In some cases it may be to your benefit to itemize on your federal tax return even though you will get less back on your federal return by doing so.

 

The reason for doing so would be that you would get more on your state tax refund but less on your federal—but your overall total (overall tax refund of state and federal) would be more by itemizing.  Many taxpayers take the quick way out and lose financially by not doing this analysis, thereby overlooking this potential option when it could possibly be to their benefit.

 

For example, if you will get $500 back on your federal taxes using the “standard deduction” as opposed to “itemizing” and $400 back in refund on your state tax refund using the “standard deduction” —your grand total is $900.

 

If you will get only $300 back on your federal taxes using the “itemized deduction” as opposed to utilizing the “standard deduction” and $800 back in refund on your state tax refund by itemizing—your grand total is $1,100.

 

Simple math tells you that you are better off electing to itemize—$1,100 minus $900 equals $200 more dollars in your pocket!  It can be difficult to determine in many cases without actually “running the numbers” as state tax laws vary and all tax returns are unique.   However “electing to itemize” might be something that applies to your situation and their could be potential advantages (primarily more cash in your pocket) for you.

 

  • Improvements in your Home (Targeted)

By purchasing solar panels, dual-paned windows, low flow plumbing, tank-less water heaters, and other energy improvements spelled out in the tax code you can possibly deduct them on your taxes if you itemize your deductions on form 1040.

Many home improvement energy related deductions are scheduled to expire in 2020 and who knows what will happen after that time.  However, at this time you can get a tax credit (applied directly against your taxes) of varying amounts up until the 2020 tax filing season.

 

  • Tax Exclusion from the Sale of Your Personal Residence

Did you know that you can possibly exclude the sale of your personal residence from taxes if you utilized your home as your primary residence in 2 of the 5 previous years?  If you are single you can exclude up to $250,000 of the gain and if filing as married filing jointly—$500,000 of the gain from the sale.

 

Therefore, if you purchase right—get a substantial appreciation in the price of your home and you decide that the time is right to move in a few years or so after the value of your home has appreciated—you could pocket a nice tax-free gain (be sure to run your plans by your tax advisor to ensure that you qualify).

 

The creator of TheWealthIncreaser.com has utilized this approach personally and with many past clients and there is some risk that is involved.  However, if you are of the personality type that doesn’t mind moving frequently, or you plan on moving frequently for other purposes—this could be a great strategy that could work for you.

 

Be sure to purchase in a neighborhood that has an upward trend in home appreciation.  Be sure that you know the risks and you have a properly funded emergency fund in place and little or no revolving debt so that you can reduce the risks involved for you and your family.  Even so, there is no guarantee that after your home purchase—the value of your home will appreciate.  Hopefully, you get the point and you can clearly see the potential of how you could actually use this strategy to build wealth.

 

  • Cancellation of Debt

Although not a pleasant use of the tax code or even an effective strategy for most (you probably lost your home) the “cancellation of debt provision in the tax code for mortgages” does lighten the sting of losing your home some as it could be even worse.  If you are one who can use the 2007 Mortgage Debt Forgiveness Act to reduce or eliminate your tax burden—you must do so.

 

The 2007 Mortgage Debt Forgiveness Act was extended through the 2016 tax year, however future extensions are uncertain at the time of this post.   If your mortgage debt was cancelled and the 2007 Mortgage Debt Forgiveness Act applies to your debt forgiveness you could legally avoid paying tax on the debt that was forgiven.  Time limits apply for using this strategy so be sure you fall within the timeline of the act to take advantage of this strategy if you have received or anticipate receiving mortgage debt forgiveness in your future.

 

  • Homeowner Exemptions at the Local, County & State Levels

Did you know that many jurisdictions offer various “homeowner exemptions” that have the real effect of reducing or possibly eliminating your real estate taxes?

 

The exemptions vary from state to state—county to county—and in many cases city to city.  However, they are available and it is your responsibility to search them out in your area and take full advantage of them.

 

Basic Homeowner Exemptions, Age Homeowner Exemptions, Military Homeowner Exemptions and many others are available.  Again it is up to you to find and enroll in them as they are in many cases—not highly advertised.  Most have filing deadlines, so immediately after your home purchase be sure to inquire.  If you used a real estate agent in the purchase of your home, your agent should be aware of the filing procedure in your area.

 

Conclusion

 

Be sure you are aware of what you can deduct or utilize in other ways (tax strategies) at the local, county, state and federal level.  Be sure to take advantage of all homeowner exemptions that are allowed in your jurisdiction that you are entitled to.  All of the strategies or options discussed in this post require that you own your property as an owner (personal residence) and the strategies are not designed for rental or other non-owner occupied properties.

 

You must always realize that you have a unique tax filing position and what may be effective and work for someone else may not work for you!

 

For example, if your AGI (Adjusted Gross Income) is $70,000 and someone else’s AGI is $40,000 and you go out and purchase $20,000 worth of solar panels and the person with $40,000 AGI does the same—you may be in position to utilize the credit either partially or in full, while the person with $40,000 of income might not be able to utilize the credit at all.

 

This type of scenario can play out in many areas of the tax code—therefore effective planning with experienced tax professionals may be to your advantage. 

 

Your income, family size, deductions, exemptions, education expenses, number of jobs, tax with-holdings, tax payments etcetera are uniquely your own—therefore effective analysis must be performed.

 

Be sure to put into action your new found knowledge about the Homeowner Tax Breaks & Strategies that you can possibly take—or make to ensure a more prosperous and productive future for yourself and your family.

 

As you move forward be sure to make a sincere effort to give it your best at all times and it is the desire of TheWealthIncreaser.com that this page has played some small part in empowering you to look at your tax situation in a more critical manner whether you are now a homeowner or you anticipate becoming one in the future.

 

It is important that you proactively look at your tax situation (you must get out in front of your taxes) and not look back “for answers” after you have encountered a difficult situation.  If you do not take the initiative to proactively attack your tax situation or any other area of your finances–you are making life on earth much more difficult than it should be for yourself and your family.

 

Don’t be afraid to get planning advice on the front end (even if you have to pay as it can be money well spent) as most planners (or those who operate at the top of their profession) are aware of strategies that you may not be aware of.

 

It is the hope of  TheWealthIncreaser.com that this page has sparked something within you to make you look at your taxes and finances in a different way, so that you can start on a serious path to achieving your dreams—starting today!

 

All the best…

 

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Learn about more “Tax Moves” that you can make…

 

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Encouragement & Wealth Building

Encouragement & Wealth Building—Learn how you can use encouragement to achieve more and build your wealth more efficiently…

 

In a world where people tend to move forward cautiously it is important that you are around those who offer encouragement and those who want success for you and your family.  You must move to action in a consistent manner towards your goals and an encouraging word or action by others could be what will propel you throughout your lifetime.

 

A smile at the right time, someone affirming that they believe in you and your abilities, someone showing you a better way to do something that is new to you and many other encouraging thoughts and actions can get you started on the road to success in many areas of concern in your life!

 

TheWealthIncreaser.com knows that an encouraging word by someone at a particular time in your life is usually what will stick with you and will help you achieve at a higher level.

 

The belief in you by others along with encouragement along the way is what can separate you from those who go through life discouraged and falling short of living in their life purpose.

 

You can also gain the right preparation and the right knowledge and encourage yourself along the way as you pursue your financial goals and objectives–and life purpose.

 

In this discussion TheWealthIncreaser.com will show you how you can use encouragement to achieve more and build your wealth more efficiently.

 

Furthermore, it is the goal of TheWealthIncreaser.com to encourage you and inspire you  to do more throughout your life.  Hopefully this discussion will achieve both objectives and will help you build your wealth in a more concise and lasting manner.

 

Even though the creator of TheWealthIncreaser.com is under the weather and suffering from a sinus headache at the time of this discussion—it is the desire of TheWealthIncreaser.com that the following paragraphs will provide life-changing encouragement for you throughout your lifetime!

 

How Can I Use Encouragement to Achieve More in My Life?

 

It is important that you either encourage yourself and/or you get encouragement (or the right advice) from others in the following areas of your financial life if you desire to achieve more throughout your lifetime.


 

By formulating a time period for achieving your goals you are activating (encouraging) your mind at a higher and more urgent level of thought to take the necessary action on a more consistent basis.

 

You and/or your financial planner must put together a plan that will allow you the opportunity to achieve your goals and objectives in an agreed upon time frame based on your current inflow and outflow of cash on a monthly basis.

 

If your goals are not financial you still want to have a timetable for achievement so that you can activate your mind at a higher level on a daily basis.

 

 

You and/or your financial planner must put together a written plan that will meet or exceed your goals and objectives in an agreed upon time frame based on your current inflow and outflow of cash on a monthly basis.

 

A written plan of action is a far more scientific (and proven) way of achieving success and is far superior to just thinking (or dreaming) about your goals or what you want to do in your future and then pursuing your goals.  After thinking and dreaming, take the additional step and put it all in writing–to improve your vision–or future sighting!

 

 

You and/or your financial planner must set goals that are significant and meaningful and will really help you move the needle in your life toward the success that you desire or toward the success that you need to achieve.  Don’t be afraid to “dream big” and have every intention on “achieving” that big dream!

 

 

You must use your current knowledge about credit and finance and “what you will soon learn by navigating this site” to really go after your goals with passion and zeal!

 

You must not half-heartedly pursue your goals!  

 

You must use your past experiences, your current expertise and you must exercise the right approach on a consistent basis to achieve at a higher level of excellence! 

 

If you possess powerful knowledge about how to manage your credit and finances and you don’t effectively utilize that knowledge—is that really powerful knowledge.  Knowledge without corresponding action does not serve your best interest.

 

Conclusion

 

You must reach deep inside of your heart and mind and determine ways that you can use your mind and heart to achieve more during your lifetime.  You must get the encouragement to do more from within and/or from the outside.  By doing so you can begin (or continue) to move to action in the right manner in an attempt to achieve your goals in a timelier manner!

 

It is the opinion of TheWealthIncreaser.com that you can find more encouraging ways of reaching your goals by navigating this site on a consistent basis and looking deep inside of your heart and mind and making a sincere effort to see how you can do things better. 

 

Look deep inside and listen to your inner voice that is speaking to you—when it has the potential to make your dreams come true!

 

The encouragement and inspiration that you need to succeed will often be found while you are in the process of formulating meaningful and significant goals after you have had an adverse event(s) in your life.   TheWealthIncreaser.com has seen tremendous growth from those who faced adversity and responded appropriately to that adversity.   That growth helped them achieve at a level that they had previously thought was unattainable and was out of their reach.

 

Don’t sell yourself and your family short by being discouraged about your financial future.

 

You must get to a point in your mind where you will always love, honor and believe in yourself and your future!  If you don’t, why should others?   You must use the encouragement of others or your own encouragement to get to a point in your life where “you” will move to action in the right manner–almost effortlessly.

 

Set lofty goals and go after them with gusto!

 

You must never give up hope, know that you can climb any slope and descend properly if you have the right rope.

 

In short, you can accomplish any goal that you set—if you believe you can—and you possess the necessary tools or you have the “right mindset” to get on a path to obtaining the necessary tools in a sincere manner!

 

Can you climb high?  Absolutely!  If you believe in yourself—you too can exceed the sky!

 

One last point, the inspiration that is now inside of you—or that will soon come to you—will provide you the encouragement that you need to achieve at a higher level throughout your lifetime!

 

All the best…

 

TheWealthIncreaser.coma serious wealth building blog for those who are serious about their wealth building future…

 

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Excellence & Wealth Building

 

Learn why you must operate at your highest level of excellence if you desire to build your wealth more efficiently…

 

As the month of January 2017 comes to an end TheWealthIncreaser.com thought that the topic of operating at your highest level of excellence was an appropriate topic to focus on.  When it comes to building wealth it is important that you have a workable understanding of what it will take to build wealth at the level that you desire.

 

It is important that you set lofty goals and you have every intention on reaching those goals.  You must “make it a priority” to know the rules of engagement or the rules of the game when it comes to building wealth and you must know how to apply that knowledge effectively throughout your lifetime.  Due to wealth building being a broad area–with years of proven strategies for building wealth on and off the books, you have a vast array of choices that can take you to where you need or desire to be.

 

However, to truly reach your highest potential and achieve at your highest level you must pursue your goals with a high level of excellence.

 

That means that you must know your cash inflows and outflows on a monthly basis and determine where and if you need to make improvements (get more income/cut expenses or do a combination of the two) and take action at your highest level of motivation to do what needs to be done.

 

You must also make sure that you have an adequately funded emergency fund and you know how to manage credit wisely during the period in your life where you have a need or plan on utilizing credit.

 

In addition you must review your insurance, investments, taxes, education planning, estate planning/wills and retirement planning to see if there is room for improvement and then determine the best way to make those improvements based on your current finances.

 

By doing all of the above you are moving toward building your wealth in a comprehensive way and you are helping to ensure that your goals will be achieved on a more definite day.

 

You are not leaving your finances to chance but you are moving toward your goals in a more excellent way because you are systematically approaching your finances and you have a definite timetable for achieving your goals that are measurable.

 

By pursuing your goals in a more excellent way you can put yourself in position to achieve lasting goals and give back or contribute to your favorite causes.

 

In a world that seems to be take–take-take you can become a giver.  However, you must do the “in between” or the “behind the scenes” work at your highest level of excellence if you desire to achieve more throughout your lifetime and operate at a higher level of excellence on a more consistent basis.

 

In closing, if you put your focus on operating at your highest level of excellence on a consistent basis things will begin to blossom in your life in ways you never imagined.

 

Stop for a moment and focus on what you want to achieve throughout your life, determine what you would like to do to help yourself, your family and others–and make a serious commitment to start on a path to making it happen in real time!  

 

In some cases you may have to let go in order to grow!

You must always realize that what separates the best from the rest is their daily thoughts and actions and whether they make the choice to operate daily at their highest level of excellence.

Isn’t it time that you operate at your highest level in a way that makes sense!

You too have that same ability to choose–and act!

You no longer have to lose–or be a hack!

Starting today you can choose to move forward in a better way!

Starting today you can choose excellence and get momentum to stay!

You and your family should have it no other way!

Excellence–it’s inside of you!

TheWealthIncreaser.com has the goal of bringing it all out so that you can make your journey towards building wealth come true!

 

EXCELLENCEtake what you now have and what you will soon learn and do the absolute best that you can with what you have inside–so that you can experience a smoother ride…

 

All the best…

 

TheWealthIncreaser.com—A serious wealth building blog for those who are serious about their wealth building future…

 

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Using Your Imagination to Build Wealth in 2016 & Beyond

 

Learn how you can use your “Imagination” to Build Wealth and live more abundantly…

 

It is important that you use your imagination while you are in the process of building your wealth or achieving many other goals that you may desire.

 

You must use the inspiration that you receive to see what you desire or see the direction that you should go.  By using your mind, heart and mental faculties to imagine that what you desire has already occurred you put yourself on a serious path toward success!

 

However, you must realize that is only the starting point!  Real work will be required of you on a consistent basis to make what you imagine come to realization in real time!

 

Just as TheWealthIncreaser.com dreamed big (big imagination) and decided to create a site that could help you achieve your financial and wealth building management in a comprehensive manner—and then followed through on that big dream by putting in the required work to create this site—so too must you apply yourself on a consistent basis to make what you desire a reality in the area of your choosing or life purpose.

 

You must use your imagination to dream big and follow through with action and not pay attention to naysayers or others who may try to talk you out (negative energy) of your big dream.

 

In the area of personal finance and wealth building you must give deeper, more meaningful thought about your finances and your financial future—and what you can achieve in your financial future.

 

A vivid active imagination on a consistent basis is the key to your success, using your imagination effectively is not taking your mind to fantasy land—quite the contrary it is formulating a picture in your mind of something that “you believe” your heart and mind can make real and can be of benefit to you, your family and others.

 

You must have a  “financial mindset of resiliency” and gain the mental toughness along with the “know how” of how to manage your finances effectively for the rest of your life.

 

Imagination in lay terms is using the power that you have within to make something big happen in your future and then using the energy from that power to form a mental image of something (what your sincerely desire to occur in your future).  What you imagine normally won’t happen in a moment, but is a process!  It may not appear real at this moment to you and others, however within your heart and mind you see it as real and you know that you are truly willing to put in the work to “make it real.”

 

Even though it is not real or present at this time, you know that you are determined to use your creativity (a major part of your imagination) to bring into existence that which you imagined!

 

It is important that you realize that “accidental accomplishment” of major goals rarely occur.  You need to have clear vision so that you can stay on course and go after your goal(s) with passion!  If you don’t have a clear picture or vision of the goals in front of you that were formed by your imagination—you lessen the passion that you have inside to accomplish what you imagine in a more effective and efficient manner.

 

Will you choose to blow with the wind (go to a place that is not for you) or will you choose a proven and definite path to success.  What is your real desire for your life?  Do you have definite goals that you will sincerely pursue?  What is your compass—what is guiding your vision of your future?  Better yet, who is guiding and shaping your vision of your future?

 

It is imperative that you use your imagination along with sound planning to reach your goals more efficiently.

 

You must see your goals on the inside first—so they can take place on the outside later!  Don’t choose the easiest route as it is often grounded in many pitfalls!  You won’t ever quit if you have clear vision.  Have you lost your view of your future and what you can really do?  Do you even have a vision?

 

 

Do you even desire to have a vision?

 

 

Once you get immersed into pursuing you purpose and using your imagination in the right way you will begin to achieve “beyond your imagination.”

You can put yourself in position to learn what needs to be learned to achieve at a higher level on a daily basis in your wealth building effort by navigating this site.

 

 

You can put yourself in position to use your imagination in more effective ways on a daily basis by navigating this site.

You can use  your imagination and this site to get your financial future right.

 

TheWealthIncreaser.com serves as your springboard to Financial Success…

TheWealthIncreaser.com wishes you all the best…

 

And always be open to imagining or re-imagining a brighter future with something you already use—your mind and heart

And always be open to using your heart and mind for wealth building—now is the time for your fresh start

 

Imagine the possibilities for your future in a more inspiring way

Imagine achieving all that you desire—starting today

 

Imagine, Re-imagine—but most important of allACHIEVE WHAT YOU SET OUT TO ACHIEVE AS YOU ARE THE ONE WHO MUST TRULY BELIEVE!

 

 

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Copyright®  2014-2016—The Wealth Increaser—All Rights Reserved

MOMENTUM & Wealth Accumulation

 

Learn How Momentum Can Propel You Toward Your Future Goals

 

Do you realize that your willingness to have the right thoughts and your willingness to do (take action) what needs to be done must be in alignment if you are to achieve at your highest level?  By having that powerful alignment in your life you put yourself in position to get MOMENTUM rolling for you—and not against you (opposition and adversity will be more constant in your life).

 

In order to get MOMENTUM to propel you forward more efficiently you must start with a critical analysis of your daily actions.  If you desire to live more abundantly in your future—your paradigm shift or way of looking at your current situation must occur now!  You must know how to look at your credit and finances and make the right moves or the moves that will serve your and your family’s greater interests.

 

Now is the time to match up what you desire with the actions that you take daily and bring into congruence that which you desire most.  Your daily thoughts inside of your mind must be in harmony with what you do on a daily basis.

 

You must acquire the skills that are needed and the skills that you can use throughout your lifetime to achieve major success. Even if your focus has been in the wrong direction in the past, you possess the ability to focus in on your destiny or purpose for being at this particular time.   You can also use those skills to achieve your credit and financial goals and live more abundantly at the same time.

 

Your “next move” is what can move you forward and get MOMENTUM working in your life in a manner that can bring you closer towards the outcomes that you desire as it relates to your and your family’s future.

 

It is important that you realize that smart people often do dumb things because they don’t operate in the right mental environment and they will often get momentum rolling in the opposite direction, because their goals and actions don’t line up.

 

If that type of behavior applies to you—now is the time that you leave your past failures and daily actions that worked against your goals behind you!

 

Even if you have been making good decisions it is important that you continue to do so.

 

You must leave your past failures behind you in that small rear view mirror and use the large front windshield to dream big and see your future clearly—as your path towards the goals that you desire is only limited—by your limited view!

 

The more often that you make good decisions and formulate thoughts that match up with your corresponding action the more effective you will be in reaching your goals in an efficient and highly beneficial manner!

 

Even if you face roadblocks along the way—you must not let the pain of the situation deter your path!   You must overcome and overwhelm any adversity that you face by continuing your righteous course of action as best you can.

 

It is important that you continue to align your thoughts and actions in a positive manner and continue to focus on the success that you desire. You must do so because you must continue to let MOMENTUM flow—even though it may be slow.

 

Your consistent focus on your outcomes and your consistent action will help you see the light at the end of the tunnel and your consistent actions will not only benefit you—but others as well as they will be positively affected by the way that you consistently approach your future in thought—and action.

 

You must realize that the uncomfortable feeling that you have on a daily basis or have had in the past—may be a sign that it is time to go in a new direction.

 

If you now see a hard bumpy road and a difficult journey in front of you—NOW may be the time for you to look at your future in a more critical manner—and change your direction so that you can reach your destination in a more efficient and effective manner.

 

It is important that you know where you are going and inspire others along the way.  You must move in a positive direction—where SUCCESS lives!   Are you content with the direction and pace that you are now on in your life—or do you desire more?

 

How long will you remain content with your current position and location in your life?  Do you desire a better starting point?  Do you desire a better destination?

 

It all starts inside of your mind and heart and it all starts with you putting in place a PLAN that will take you where you desire to go.

 

That plan will gain MOMENTUM in a more efficient manner if it is one that lines up with your thoughts (written outline) and your actions (you doing what needs to be done—on a consistent basis whether it be daily, weekly, monthly or yearly)!

 

You must know in your mind and heart that the direction that you choose at this time is far more important than your current position or your past actions.

 

Today is the day that you make the choice to get MOMENTUM rolling in your favor in your life and today is the day that you go in the direction that leads to living your life in a manner that you truly deserve—and takes you to your destination—whether it be spiritually, mentally or financially.

 

You must defeat fear and have unlimited faith that the plan that is created by you has the real potential to take you where you need or desire to be—if you do what you KNOW you have to do!

 

Something bigger, taller, and deeper lies ahead for you and your family—stretch your mind and achieve more at this time…

 

Your knowledge of what you will achieve based on you taking the right actions will bring a peace and comfort within you that can only be explained by you and enjoyed by you.

 

The joy that you will experience will be uniquely yours—and when you actually start reaching your goals—your life will truly take on new meaning.

 

That all sounds great and I am ready for the challenge and looking forward to putting a plan in place and using MOMENTUM to achieve more and aligning my thoughts up with my future plans—but I don’t know where to start?

 

TheWealthIncreaser is glad you asked!

 

In the following paragraphs TheWealthIncreaser will provide you with 3 Steps that you can take right now that can get MOMENTUM rolling for you and your family…

 

STEP 1

 

CASH FLOW ANALYSIS:

 

You must put in place a monthly budget or cash flow statement to determine where you are currently at as it relates to your monthly cash inflows and outflows at a minimum.  You must then come up with a plan to pay off or pay down debt that is negatively affecting your daily living.  You may have to cut expenses, increase your income (or do a combination of the two) to get into a more favorable financial position.

 

If you are at a point after doing your monthly cash flow analysis where you have high discretionary income—you can put a list of goals (be sure to put them in writing) together and take consistent action (saving consistently or whatever else you need to do). One of your immediate goals should be to pay off or pay down your debt and properly establish an emergency fund.

 

By doing step 1 change is coming—will it be positive change or negative change?  Will you get MOMENTUM rolling on your side—or will you decide to continue on your current ride?  Your thoughts and actions must line up with your daily actions.

 

STEP 2

 

CREDIT ANALYSIS

 

You must know how to manage your credit on a daily basis and you must have a system that you can carry within your mind that allows you to manage your credit in as effective and efficient a manner as possible.

 

It is important that you know your Money Management Personality—and put a plan in place to improve as best you can.

 

STEP 3

 

COMPREHENSIVE FINANCIAL ANALYSIS

 

You must know how to look at—and manage all areas of your finances (comprehensive management of your finances) so that you can gain certainty within your mind of what you will achieve.

 

How will you achieve your financial goals and what time frame will you achieve your financial goals?

 

Step 3 is the step that you lay it all out—whether it be your insurance goals, investment goals, tax goals, education goals, estate planning/wills goals, or your retirement goals. You must mentally formulate those goals and put together a written plan (action plan) to take you to where you need or desire to be.

 

FINAL THOUGHTS ON HOW YOU CAN USE MOMENTUM TO ACHIEVE MORE IN YOUR LIFE

 

As a result of this discussion it is the desire of TheWealthIncreaser that you have heard enough that you will have a yearning to look within and decide if a change in your approach toward the success that you desire is needed.

 

Furthermore, TheWealthIncreaser asks that  you will take the right action today to get MOMENTUM rolling your way!

 

TheWealthIncreaser believes you will use MOMENTUM from this day forward—to move toward your reward—and enjoy your life more abundantly in your area of concern while here on planet earth.

 

By using the above steps you can get MOMENTUM rolling in your favor right now.  It is the desire of TheWealthIncreaser that this discussion has shown you how.

 

Achieve Your Dreams…

 

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