The Number... A Guide To Financial Success By: Kim Ryan The Number, is it a guide to success? Yes! Finally there is a book that is shouting out a wake up call to all Americans. Do you know what the message is? I do! Not only do I know what the message is, I have figured out how to get my number and actually achieve more financial freedom than my limit! For decades one of the hottest topics has been Social Security, or better yet, the lack of funds the program will have when you and I are eligible to receive it. Sure, we have all heard how this program was intended to take care of us when we retire, but did you know that the eligible age has already gone up. If the powers to be have already risen the eligible age now, what do you think it will be for the twenty and thirty year olds in the work force today? You guessed it, it will probably be higher. Is this a sign that the program is in trouble? Is it a sign that it lacks funds? Is it a sign that Americans are living longer? Even if we do live longer, should you have to wait for your tiny piece of the American Pie before you reach your financial goals. I don't think so! Let's look at this from a stand point of well being. If you work a physical job, could you live longer? The answer is yes, if the current trend keeps going. But, if you live longer and you do physical work, does this also mean that your body parts can last that much longer in the work place. That answer, I do not know. I would think NO, but then again I could be wrong. With medical technology advancing maybe we could. As a matter of fact, I don't see why a factory worker or a construction worker would mind new body parts, joint replacements or having their vertebra's welded together so they can keep making minimum wage or stay in blue collar work. What a concept, move social security benefits back, let health insurance keep rising and force the workers to get an overhaul so they can stay on the job until they can collect. I am sure everyone will be very excited to join in! I am so glad I saw the big picture while I was in my mid thirties so I can start enjoying my financial freedom now! Then we have the next group that needs to wake up. And man I'll tell you, I think they are less happy than the group stated above! Does this sound familiar? You had a friend who has always coasted through work, taking the easy road. You always busted your back while they always new that they would have money to retire on simply because mommy and daddy are going to leave me a large estate. But you see folks, that is no longer true. Besides the fact that Uncle Sam is always looking to dig deeper in your wallet, including raising inheritance taxes, people are living longer. More and more people are looking at their financial condition and realizing that they need their money to afford retirement or a retirement home. They are living longer, in good health, but can't work. Or possibly they were once a CEO and look at being Wal- Marts greeter as a slap in the face. After all, they did their time in the work force and it's not their fault that they lived longer. As a matter of fact, look at the new financial tools available today for the elderly. Do you know what a reverse mortgage is? I understand that concept but feel I lack enough education on the topic to explain it. Basically, mommy and daddy have a huge home and they are drawing the equity out so they can live. The home you think your going to move into will really belong to the bank or a third party. On the bright side, maybe you could rent a room there if they turn it into a rental property! Yes, I agree that we all need to wake up and smell the coffee! Can I tell you how to reach your goals and enjoy Financial Freedom? I can! But the fact of the matter is you need to see the big picture and really look at your future. I can only suggest ways for you to follow in which to achieve these financial goals, but until you wake up, you're simply left in the dark! About the Author: Kimberly Ryan is one of the top income earners in her field and she has invited you to come with her on her journey to success.Visit her today at http://www.athomeprosperity.net today!

Inside Finance Checking Your Tax   We must check the status of our tax. Before getting into checking your refund status, I feel obligated to mention a few things about tax refunds. The second issue to keep in mind is you can ONLY check the status of your tax refund online by going to the IRS web site. Basics For Mortgage Refinancing   Refinancing the mortgage is To obtain a lower fixed rate. If you took out a fixed-rate mortgage several years ago and interest rates have since dropped, refinancing may lower your payments considerably. A $150,000 mortgage with a 30-year term and a rate of 8 percent, for example, carries a monthly payment of $1,100. The same mortgage at 6 percent will have a payment of less than $900 a month. Bad Credit Car Loans   Bad Credit Car Loans are been discussed in this article. The best way to protect your investments is knowledge. An uneducated lender will always pay more for bad credit loans. First know the real cost of the car you want to purchase and add the dealer’s profit. This will be the bad credit car loan amount you will be applying for. Make sure you can afford it. Just because you can get bad credit car loans doesn’t mean you have to take it. If you have hesitations regarding repayment refrain from borrowing until when financial condition is better. It Coming Soon   No fee mortgage will come soon. That may change, however, as several banks are about to introduce so-called “no fee” mortgages. The fees are simply rolled into the total price, and the borrower has a much simpler set of paperwork at closing. Details Of Credit Cards   This article deals with credit card infomation, and Credit card debt has gotten to the point that it is not like owing the general store and not paying off the bill at the end of the month or when you get your next pay check. This is loan sharking at its worst and some say the rights of individuals were taken away by the changes in the bankruptcy laws made recently due to the efforts of lobbyists from the credit card companies. I think the little guy needs help and that is why I wrote this book. There is a term used often in Real Estate: “Operating from a position of superior knowledge”. One can get sued for taking advantage of another for just this reason. Seems to me, the credit card companies mentioned above along with many others, are operating from a position of superior knowledge.