Stop Money Worries Killing You!
Copyright 2006 Christopher Green
Recently, as I was surfing around the web, I found yet another website offering misguided, uninformed and irrelevant advice to people who are stressed, depressed or anxious. The site had the following advice for sufferers:
"Most people who become stressed, anxious or depressed do so because they are experiencing financial difficulties. Debt is a big problem for a lot of people, and many struggle to service debts because they are on a low income. Other factors include poverty, unemployment, and a feeling of worthlessness because financial aspirations haven't been met. Money is one of the biggest causes of stress and depression in the Western world."
It is a statement I have seen and heard from many people, from medical professionals to sufferers and of course, in many publications and websites.
I'm sure you too will have either been told money is the root cause of your problems or heard it from various sources.
Identifying money as the root cause of stress, depression and anxiety is wholly inaccurate and completely wrong. Financial circumstances, no matter what they are, CANNOT cause you to become stressed, depressed and anxious. In fact, they have NOTHING to do with the root cause of these problems WHATSOEVER.
It is so easily proved it's amazing that some people believe otherwise.
If financial hardships and poverty cause people to enter into an episode of mental trauma, then everyone who is poor, is in debt, or earns a low income must, by definition, be stressed, depressed or anxious. You are saying that if you are poor you must be stressed, depressed or anxious. Agreed?
Following on from this, logic would then dictate:
If you are wealthy, without debt and earning a high income, you cannot be depressed, stressed or anxious because the root cause doesn't exist in your life.
To simplify: Poverty causes stress, depression and anxiety.
Wealth does not.
Clearly, reality is greatly at odds with this.
Not everybody who has debts, earns a minimum wage, is poor and endures financial hardship is stressed, depressed or anxious. Indeed, many people throughout the world live in extreme poverty and yet they're happy. Like me, I'm sure you know people who have very little but are perfectly happy with their lives.
And let's not forget that many famous, wealthy people also suffer from stress, depression and anxiety. Abraham Lincoln, Rod Steiger, Winston Churchill, Robbie Williams are names that spring immediately to mind. In my own case, I reached my lowest point having paid off all of my debts including the mortgage and having more assets than ever before in my life.
None of it mattered to me at all.
The last line also gives an insight into how self-worth doesn't derive from financial success.
I drove a $25,000 sports car, owned two houses outright and had many investments and yet I felt life had nothing for me, that having lost everyone and everything I ever loved I'd completely ruined my life beyond repair and I just couldn't take anymore.
So you can see, financial hardship does not and cannot cause you to become stressed, depressed or anxious. And financial success doesn't mean that you'll be free from mental trauma. That's because the root cause as to why anyone enters into an episode of stress, depression and anxiety is because they perform flawed, harmful modes of thinking to make sense out of the circumstances they are faced with.
Address the modes of thinking at the root of these problems and you'll take a giant stride towards conquering stress, depression and anxiety whether you're as poor as a church mouse or as wealthy as a King.
.
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Mortgage Leads Scam Revealed by Walton Solutions
(ContentDesk) April 14, 2006 -- Walton Solutions announces in a recent investigation they have found a "Mortgage Lead Scam" is happening to 20% of brokers. Walton Solutions provides valuable information to consumers.Many companies say they sell mortgage leads and deliver what they promise to be people who requested information on a home loan, refinance or general mortgage consolidation."If you are like me you have received these "leads" and then called them only to hear 'I didn't request any information,' or something along those lines," says Jefferson Baker, Loan Officer of Triwes Mortgage.75 companies were investigated by Walton Solutions and 30% of them are polluting the web with advertisements that entice people to fill out a form (usually automatically as well so they barely remember seeing a form) and "win something."According to Walton Solutions, this is bogus. There are only a few solid ways to land to a good Mortgage Lead other than knowing a Realtor yourself, and there are...
Mortgage Leads Scam Revealed by Walton Solutions
Mortgage > Mortgage Leads Scam Revealed by Walton Solutions
Customer Service Tips That Generate Referrals
How do you define good customer service? Does that simply mean the satisfactory marketing and sale of a product or service to a customer or does it mean something else? Is providing good customer service, good enough?
In these days of below average customer service, you may think providing good service will set you apart from the pack. Well, I am here to tell you that nothing less than exemplary service will help you succeed.
By incorporating the "wow" factor into every successful sale, you will achieve greater profits and better customer satisfaction.
To achieve the "wow" factor, you must be honest, knowledgeable, friendly, professional and deliver on your promises. Do not over promise, but do not under promise either.
In addition, you must be able to provide a high level of service to everyone who comes in contact with your business.
If you do, you'll also get more referrals from your satisfied clients.
...
Mortgage > Customer Service Tips That Generate Referrals
Financing Your Business Venture
Many small businesses were born during the recession of 2001. One key reason is that during a recession period overhead costs tend to be lower. Still the time comes when a business needs to ascend to higher ground and reach a larger group of consumers. This presents the challenge of finding money to finance your marketing plan. As with any major financing transaction one needs to be prepared with the appropriate documentation at hand as well knowing the methods of finding the best bargain small business loans available.
So where do you start?FIRST STEPS IN SHOPPING FOR BARGAIN LOANS.
1. Calculate what you can affordRemember to include rates, points and fees. 2.If purchasing a home include insurance and taxes.3. Get your credit report4.
Put your financial papers in orderThese would include:Bank statements Mortgage papers Insurance papers Car loan papers Tax IDBusiness expense receiptsTaxes overdueOther loan documentation Credit reports Other out-standing debt.FINDING...
Financing Your Business Venture
Mortgage > Financing Your Business Venture
Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages
Sub-prime mortgages are not that much different from average mortgages. They have interest rates, points, and fees. They can be compared online, and they have seasonal trends. The only real difference is that as a borrower with a less than stellar credit record, you will have to pay a slightly higher rate for the lender's increased risk. What is important is that you prepare yourself with information about sub-prime mortgages and compare lending companies to make sure you get the best deal.Paying For RiskIf you have bad credit or declared bankruptcy, a mortgage lender is taking a big risk that you will pay back the loan.
People with bad credit are seven times more likely to default on loans, so lenders make up for this loss with higher interest rates and fees. However, some companies take advantage of people with poor credit, so you should compare companies.Look OnlineYou don't have to meet with a lender face to face to negotiate a mortgage loan. You can go online...
Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages
Mortgage > Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages
The Chickens Come Home To Roost & When The Dust Settles-Lender Discovers Mortgage Fraud
Things were going great. Work was great. The economy was smoking and people reportedly making a killing in real estate. "Flipping" this property, buying this one, selling that one and just living the "American Dream" to the fullest.
It was the best of times.
At best investments tend to be cyclic in nature with tops and bottoms. Like many investors following the maddening crowd many buy at the top only to watch the value of the investment drop. Suddenly, the market slowed. "Flips" were stalled. Many investor sellers had difficulty moving their property and their bloated equities began to shrink.
Turning the clock back a year, Chris and Delores got the fever to get in on the action. They wanted to get into real estate and called an out of state broker who had helped their friends find a deal and finance it. Their friends were gushing about what a great deal they had found. The local real estate market in their small Wisconsin town...
Mortgage > The Chickens Come Home To Roost & When The Dust Settles-Lender Discovers Mortgage Fraud
Deciding to Consolidate Debt?
What is the point of consolidating debt and when should you do it? What are some of the options for consolidating debt? At some point in their financial lives, many people ask these questions. If you have been pondering these thoughts, read on.
Consolidating debt means different things to different people. To a young couple or family thinking about buying a home consolidating debt may be necessary to lessen their debt to income ratio. For a single person tired of writing ten or twenty checks each month consolidating debt may be a way of making his/her financial life more convenient and organized. A family with college age children may consolidate debt in order to fund a college education.
Older people on the verge of retirement may be considering debt consolidation as a way of simplifying their lives and adjusting to a change in income. All of these scenarios are sound reasons for investigating debt consolidation and all...
Deciding to Consolidate Debt?
Mortgage > Deciding to Consolidate Debt?
Affiliate Marketing What Is It And Why Use It?
Affiliate Marketing is having Affiliates do your Marketing for you. What I mean by Affiliate is someone who tells people about your product/service and you pay them for a desired response, such as a purchase.Affiliate Marketing is one of the best ways to get the word out about your product/service.The best way to pay Affiliates is pay per sale. This means that you only have to pay your Affiliates when they actually make a sale. This reduces your advertising costs dramatically. your Affiliates take on all the risks so you don't have to worry about wasting your money on advertising which may not produce any results.Using Affiliate is a very cheap way to advertise, however it is very effective.
The software required to start up your own Affiliate program can cost only about $50 per month.Then after that just wait for people to start promoting your product/service for you.Please remember that 5% of your Affiliates will do 95% of the selling. What I mean by this is that most of your...
Affiliate Marketing What Is It And Why Use It?
Mortgage > Affiliate Marketing What Is It And Why Use It?
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