Who Wants To Be A Millionaire? 31 Jan 2010 by Johan Kriegbaum in Getting Ahead Blog

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What's the best financial advice I could offer you this New Year?

First, win the lottery. This is the real “instant money”! Just a small ticket can pave the way to big wealth. But (and here's a big one, too), the probability is very low. You really need to buy lots of tickets and place bets dozens of times just to improve your chances of winning. Still, it's easy money.

Second, marry into a rich family. This strategy has been done for hundreds of years now and it is still effective today. Just be sure you check the pre-nup so you won't get any surprises in the end.

Third, inherit wealth. Now, this one is entirely up to Fate. Or, by any chance, you have a rich uncle named Scrooge who had an epiphany before he finally croaked.

How To Save Money, Time and the Environment 30 Jan 2010 by Johan Kriegbaum in Getting Ahead Blog

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Minimising waste management is an ever rising issue for all people worldwide. Waste that comes from the food and other consumables, from clothing and other material items they stock and so forth. The wastes are composed of plastic, aluminium, paper and other bio- and non-biodegradable materials.

These kinds of materials, if not disposed of properly can cause pollute water ways, encourage vermin thereby spreading diseases, clutter inside and out of homes, and more. Because of such possible problems, people today are trying to find the best way possible in order to reduce waste.

Many people have found ways to answer these concerns. Here are some saving tips that are proven to eliminate waste within people's homes through recycling, correct waste disposal and so forth. These tips, done properly, help save more money, save time, and indirectly helps save the environment. Saving money through wise purchase decisions can have a positive impact on the environment. For example- buying perishable or bulk items instead of packaged goods creates less waste.

Saving and Helping Through Food 25 Jan 2010 by Johan Kriegbaum in Getting Ahead Blog

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The recent earthquake that devastated Haiti is one sad event that shocked most of the world. Through this tragedy, people in other parts of the globe became aware of the life conditions of some unfortunate countries. As news about the disaster filled almost every channel worldwide, people came to an important realisation. That even though they were badly affected by the economic downturn, they are still lucky to be able to eat three times a day.

In Haiti, every fourth child is malnourished. However, this place is just one of those still suffering countries. There are still millions of people out there which are suffering. They are in unfortunate situations as they do not have available food supplies and no clean drinking water.

People in developed countries are lucky enough to have fertile lands in which crops can grow. They have wide sea territories wherein abundant sea life provides them with food. They don't have any problems regarding fresh water, too. Sure, prices of commodities rise to some unacceptable extent. However, people have jobs and they expect paychecks. One way or another, they can afford to purchase food.

Advantages of Payday Loans 14 Dec 2009 by Johan Kriegbaum in Getting Ahead Blog

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I've known people who are always anxious about their credit card debts. Most of them are carrying around two or three plastics and all of these have payment dues. Knowing these people, they usually charge everything -- from their lunch meals to big ticket items such as a new treadmill. And it takes them forever to pay off those credit card dues. Me, I try not to use my credit card for small purchases. And for cash emergencies, like repairs on my car, I use payday loans because it works for me.

The payday loans have been one of the best financial tools to get some instant cash. Yes, we have paychecks coming in, but every now and then, money becomes tight and there are unexpected expenses to meet. And, at any time of the month, sometimes even nowhere near the next payday. Let me just tell you some of the big advantages of getting a payday loan than charging credit cards or other kinds of loans. Remember, this is from experience, not hearsay.

First, it's really quick. You can always count on having the much-needed cash in the soonest possible time. No need... Read More »

Pay Now, Not Later 14 Dec 2009 by Johan Kriegbaum in Getting Ahead Blog

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The year is almost over! Most people want to have a clean slate to deal with every New Year. And one way to make things right is to organize our finances. One of the foremost points of contention, so to speak, is our debts. Do we have debts yet unpaid? Are we struggling to eliminate, or even just lessen our list of money or credit card debts? Where do most of our debts come from?

Honestly, paying off debts is really hard. It’s like getting off a bad habit, like smoking or playing poker any chance we get. It’s also like losing weight and shedding unwanted bulges around the belly. Indeed, getting off a habit is a slow process and paying off our debts is also a slow process. Sometimes, it would take a couple of months and even a year just to repay one loan, particularly credit card bills or other personal loans.

Getting out of debt is not fun, I tell you. It takes a bit of sacrifice and, to some extent, self-deprivation, like doing away with things for yourself, like a new mobile phone or a laptop. Well, I may not understand how much debt you are worrying... Read More »