A Free Gift from David Bach

A piece of good advice from the elders:  Do Not Start the New Year in Debt.

Unfortunately,  for many people,  that just was not the case.   Most just did not know where to start.   Well, David Bach is coming to the rescue.    This best-selling author is on a mission to get America (and the world) out of debt and has been it is his personal mission in 2011 to “help one million people pay down a billion dollars in debt and start a new, debt-free life.”  He has just completed his 12th book ‘Debt Free For Life’ which is out in stores now.

For a limited 24-hour window,  you can download a free copy of David’s new book straight to your desktop. Then, you can read it at your leisure and let his tips work for you!  This offer is only available for 24 hours and ends at 11:59pm EST tonight.  (January 5, 2011).    Just click on this link and you’re on your way. Pass this piece of great news to friends and family members.

For more information on David Bach,  please visit his website.


24 hr Freebie Alert: Download David Bach’s Start Over, Finish Rich

“A recession is a terrible thing to waste–so don’t waste this one! Use it instead to get rich.”
— David Bach

I have personally declared 2010 as the year in which I get my financial house in order. Financial expert David Bach explains that this year will be the best opportunity for building wealth we have seen in decades. And, as the economy recovers, you must be set up to recover with it. David’s easy, take-action plan will show you how.

His latest book, Start Over, Finish Rich supplies the ten crucial moves you must make in 2010 to get back on track and recapture your dreams of a richer future. Learn how to:

* Get out of debt
* Fix your credit
* Rebuild and improve your retirement plans
* Take smart risks
* Reorganize your financial life for the high tech age
* Update your real estate plan
* Change your thinking about money
* Recommit to wealth

Now here’s the special offer: David has partnered with AOL and their Personal Finance site, Walletpop to make this book free TODAY ONLY.

Just click on this link to download your copy now.

So what are you waiting for? Hurry and learn how you can make 2010 your best year (financially) ever!

Nov 7: Money Matters for Kids

Money MattersMoney Matters for Kids: Earn it, Save it, Spend it, Share It! Traveling Exhibit and Workbook Launch * Nov. 7, 10 AM
It is never too early to teach our children to be financially literate.  When we start young, we can be wise savers, careful spenders and smart consumers!  Through a sponsorship grant by Citi Foundation, Museo Pambata presents a traveling exhibit and workbook on financial literacy for children. The traveling exhibit and workbook feature information, puzzles, games and ways to understand money and how significant it is in our lives. Similarly, a box of activity cards which comes with the workbook provide ideas for a child to further inquire about the meaning of money in their lives.

Calling All Bloggers: Sign up for a FREE Personal and Practical Finance by Randell Tiongson, RFP

Blogging and Personal Finance.  These are subjects which don’t normally go hand-in-hand. =)

RT Seminar


Randell Tiongson, Director of the Registered Financial Planners Institute of the Philippines will conduct a free seminar for bloggers on personal and practical finance. Randell will be talking about the various financial instruments that you can invest on so that you can break out of the “rat race”.
All you have to do is to sign-up by either leaving a comment on Carlo Ople’s blog or by e-mailing oplecarlo@gmail.com. The event will be on June 27, 2PM-5PM at the Victory Center, Promenade, Greenhills, San Juan.
Slots are limited so sign-up now.

Btw,  if you would like to take your blog to the next level,  you may want to consider enrolling in  Anton Diaz’ webinars.  Go to http://antondiaz.com/mavensecrets/ for more details. 


Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Another freebie from Oprah.com: Jean Chatzky’s The Difference


I got so excited to hear the news from http://www.phbestdeals.com/:  Jean Chatzky will offer her new book, The Difference, as a free download for 24 hours exclusively on Oprah.com. The book will be available for download from 11 a.m. ET Friday until 10:59 a.m. ET Saturday. Learn the top five things you can do to thrive during tough times, myths and facts about the wealthy and what barriers stand between you and financial security.

Download your free copy here.


Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Free Ebook: Suze Orman’s 2009 Action Plan

soI bet you are scared. Angry, too. And confused.

 These are the opening lines to Suze Orman’s 2009 Action Plan:  Keeping Your Money Safe and Sound, echoing the feelings in most households around the world.    In it,  she shares advice that we can all start using today to better manage our money and start living our best life.  Suze’s approach is forward, demanding and aggressive, but that may be what some individuals need to experience.   My 2009 Action Plan is designed to make sure we are ready for the unexpected—this year and every year forward. 

No matter what situation you’re in, you will find a plan of action and the answers to your questions about:

* Credit * Retirement *Savings and Spending * Real Estate *Paying for College * Protecting Your Family

The book normally sells of $9.99 but wonderful Oprah had Suze Orman on her show today, and as part of it they are giving out a free download of Suze Orman’s 2009 Action Plan.   Yup,  that’s right,  you don’t pay a cent.  You can find more information and the download link on this page, but it’s only available until 11:59 p.m. CT on Thursday, January 15.  Please note that the book is copyrighted. You may view and download the file, but you may not copy the file or share or forward it to any other person.  So download it now, read it later and make your own Action Plan tomorrow!

You must commit to actually taking action.  This is not a book to read or pondered.  If you care about financial security for yourself and your family,  if you want to do everything in your power to protect yourself and your future,  you will not get there with wishful thinking or procrastination.  You cannot sit this one out, hoping that the storm will pass and everything will be just fine.  If you do nothing,  I am sorry to say you may be in even deeper trouble in 2010.

Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Real Estate IRA: Is it for you?

With the current bear market,  the typical individual retirement funds (IRA) consisting largely of mutual funds, stocks and bonds, have taken quite a beating.   I wonder what happened to those who went to the other extreme and converted to a “self-directed IRA”.  I remember in the late ’90s that more and more people were advocating these instruments as a means to expand the investment pool beyond stocks and bonds to startups and real estate.  The self-directed IRA essentially lets you act as your own investment manager.

To invest in other types of assets, you need to open a self-directed IRA with a custodian that allows you to invest in the full range of asset types allowed by the IRS. With a self-directed IRA, you can diversify into Real Estate Investing or Privately Held Businesses, make secured or unsecured loans, and also invest in traditional assets such as stocks and mutual funds.   In a Real Estate IRA, any income and capital gains grow tax-deferred in the case of traditional IRA or tax-free in the case of a Roth.

It is critical to remember that the IRA accountholder is responsible for compliance with all government codes and regulations. While a custodian’s job is to follow the directions of the accountholder as a non-discretionary trustee, a custodian cannot ensure compliance or give legal or tax advice. Those interested in self-directed IRAs should seek education offered by an unbiased source.    Pensco Trust gives a pretty good overview of Real Estate IRA investing, including what you can AND cannot do. 

In case you are interested in further exploring this option,  suggested readings include:

Now remember:  Do your homework and above all,  DON’t put all your eggs in one basket.  After all,  you want to make sure your retirement money is there when you need it.  =)

Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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