Become Debt Free in 2011

Become debt-free in 2011.  The first step in gaining control over your financial life is probably not what you think it is.  Most people think the first step is to obtain a copy of your credit report or to simply choose a debt and start paying.  Wrong!  The real first step has nothing to do with credit, debt or even money.  What you need to do is start with your relationship with your money.  There is no way that you will correct any problem in life if you still think the same way you did when you were creating the problem.  If you always think about how broke you are; if you are always having conversations with your loved ones about how broke you are; if you always feel terrible about how broke you are, YOU WILL CONTINUE TO BE BROKE!!!  Decide, once and for all, that you are prosperous.  From there, you will begin to think and do things that will have prosperous results.  Before you know it, you will be debt-free in 2011.  Visit www.1stChoiceFamily.com/Agent/QHarvelle to check out the "Debt Resolution" program.  You can even take the initiative to enroll yourself with our user-friendly "Self-Serve Wizard."  Welcome to the beginning of your financial freedom!

Are You on the Right Retirement Track?

When planning for retirement, you must consider several factors.  Here are a few:

1. You must consider your age when you started saving. The higher your age when you begin, the more money you'll need to save in order to have the type of retirement income you need.  A 45 years old who just started saving money will need to save and invest more aggressively than a 25 year old. The reason is the 45 year old is closer to retirement than the 25 year old. Also, you must think about inflation and the cost of living increasing by the time you actually retire.
2. How aggressively do you want to invest? Are you comfortable investing your money in riskier areas that may pay higher returns? Or do you feel better about the more stable investments with smaller returns? There must be a level of comfort with any investments made. There are many vehicles to choose from including stocks, bonds, mutual funds, IRA’s and life insurance products. No matter what, always know where your money’s going and what it’s doing.
3.  Diversify your portfolio! Your financial professional should advise you to invest your money in yourself, in real estate, in securities, and also life insurance. Never place all your eggs in one basket. If that basket breaks, your nest egg may as well.

PROTECTING YOUR INCOME

For hard-working adults, it is essential to protect your income.  It is especially important to do so if you have family members who depend on your income to survive.  If you have a spouse, a child or a dependent relative for whom you provide care, you should take measures to protect yourself [and them] against the unexpected.  Ask yourself this question: If something were to happen to me tomorrow, will my family be able to maintain their lifestyle without my income?  If the answer is no, act now!  Income protection can be fairly inexpensive so you don’t have to “break the bank”, so to speak.  Put measures in place now so that in the future you will be protected.  We will never know what to expect, but at least we can prepare ourselves for what we might need in the future.

Give Yourself The Greatest Holiday Gift EVER!

Today is December 6th and it is time to start the credit recovery ball rolling before the holidays!  If anyone is in debt, has less-than-savory credit or is behind on a mortgage, now is the time to make change.  Give yourself the best present of all--peace of mind!  Specializing in all those things and more, I seriously want to help people get on the right track.  Let's start with a FREE financial goals analysis.  To assess where you are and create a plan to get to where you want to be will not cost you a penny!  From there, let's put the plans into action.  There is no upfront fee for this either!  So, wait a minute.  You mean to tell me that you can be on the road to financial freedom without spending a dime of your money until we actually help you?  The answer is YES.  So what are you waiting for?  Pick up your phone and call me today or
click here for more details.

Ms. Q. Harvelle
Financial Services Specialist
1st Choice Family Solutions
(804) 221-6891

Newsletter

My new financial services newsletter will be rolling out on December 1st.  It will be complete with money saving and growing tips and techniques.  To be added to the email list, email me at info@MoneyPlanningVA.com and we will send your copy.  There is NO cost for this newsletter or to be added to the email list!

Be blessed!
Ms. Q. Harvelle
Financial Services Specialist

Change Your Relationship with Money!

Now is the time to change the way you think and feel about your money.  First, and foremost, stop saying phrases like "I'm broke!"  If you think that way and you feel that way, then guess what?  You are that way.  That is not the right way to attract what you want.  You need to attract your money the same way you attract a mate.  You must be excited about getting to know your money.  You must happily and enthusiastically anticipate the arrival of your money.  You must KNOW that you deserve all the money that you have and all the money that is on its way to you.  If you have negative emotions attached to your money all the time, then you will have negative experiences with your money all the time.  When you say things like "I don't have enough money" or "I can't afford that," then you are creating a new situation that will cause those statements to be true.  Try thinking about all the money you want to have and what you feel you deserve.  From there, feel appreciative for what you already have.  If you do this correctly and get rid of those feelings of lack, I GUARANTEE you will see the beginnings of your lifelong abundance if you just open your eyes!  Peace, Blessings & Abundant Wealth!!!

Article on Saving $$$

I thought this was a nice article.  I hope you will enjoy it as much as I have.  I actually use some of these tips too!

http://yhoo.it/cT74hC