The PAY DAY LOAN TRAP

written by Peter Temple (4 Pillars)

Many families in the Brampton area take the unfortunate step of securing Pay Day Loans to help with short term cash flow needs but unfortunately these loans can get out of control quickly and it can be a big problem. See below an excellent article on exactly what a Pay Day loan is and why to avoid them:

What is a Pay Day Loan?

Pay day loans are short term unsecured loans for unexpected cash needs. Usually the loans are intended to be paid back within 2 weeks or by the next pay date. They should be used to cover very occasional emergencies and not for making up the shortfall in monthly budgets.

Ask Your Boss For A 50% Raise....

For the past few months, I've been asking many people how they feel about their job and I've received different answers.  It's either "Yes I Do", "No I don't", "It's oookkkk i guess", just to name a few.  The one question I asked which I found people's answers to be the most common was... "Would you say you are getting paid what you're worth?" 

"Biblical Business Principles" -

"Biblical Business Principles"
In A Moment With Trey

" GET BITTER OR GET BETTER"

KEYS TO BUILDING A FIRM FINANCIAL FOUNDATION

Check out my latest video on the 4 main keys on 

building a firm financial foundation. 

If you can do all 4 or you can get help in doing all 4 keys,

you will be on the path to a non-stressful or worry-less lifestyle 

in your future.

Check it out

How about some free money!!

“My tax refund is like an extra PAYCHECK from the Government.” No! Wipe that excitement off your face. You just gave the government a free loan. Here’s your money back- without interest." -- Robert Kiyosaki

Do You Agree?

"Too many people are thinking of security instead of opportunity. They seem more afraid of life than death." - James F Bymes

Over the past 10-15 years the world and economy has seen a drastic change affecting Jobs, Housing and especially Finances. Do you agree? However, I've noticed that many individuals and families have fallen behind and continue to fall behind. It multiplies drastically. How? Why? 

#6 Biggest Excuse That Stop You Succeeding by Bernard Marr

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

#6 Big Excuse:  _________ says I can’t/shouldn’t/am not good enough to do this.

#5 Biggest Excuse That Stop You Succeeding by Bernard Marr

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

#5 Big Excuse:  The Conditions aren’t right

#4 Biggest Excuse That Stop You Succeeding by Bernard Marr

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

#4 Big Excuse:  I don't have the skills

#3 Biggest Excuse That Stop You Succeeding by Bernard Marr

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

#3 Big Excuse:  I’ve never done this before.

#2 Biggest Excuse That Stop You Succeeding by Bernard Marr

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

#2 Big Excuse: I Don’t Have The Time.

The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

I read a fantastic article by Bernard Marr (Best-Selling Author, Keynote Speaker and Leading Business and Data Expert).

The Article: The 7 Biggest Excuses That Stop You Succeeding by Bernard Marr

In the next 7 days I will share each of them with you.

1st Big Excuse: I Don’t Have The Money.

You Are More Important Than You Realize

We all have heard, "You're Richer Than You Think". 

However, one of the biggest problems facing individuals and families 

is understanding the importance of each individual.  

Here's why...

Let me first start with Parents..

As parents, you may be saying you already know how important your kids are.

You love your kids more than you do yourselves.

You love your spouse more than ever.

You would do anything for them.

You will make sure they are happy, loved, safe and secure...

How should you show this?... by your actions.

We all hear action speaks louder than words, however, some parents

aren't practicing what they preach.

Your role as a parent is extremely important.

It is the parent's responsibility to ensure the family is building a financial foundation

to secure the future for their spouse and their kids they dearly love. 

However, most parents have missed or ignored the most important aspect of a financial foundation.

PROTECTION

Generation X'ers Missing The Boat

GENERATION X.  

Are you in this category?  The name has a pretty good ring to it, but what else is there

to know about this group of people.

The mindsets of this group are pretty similar amongst most of them. 

These individuals are Action Oriented. 

They are results focused.  

Some are technologically savvy and some have a bit of a risk taker within them.

Most of them are self reliant.

Although these characteristics of the Generation X individual may seem positive,

there is the other side that hurts most individuals in this generation.

When it comes to financially planning for their future, 

they all have differing mindsets. 

Here's how:

Years Ago, A Millionaire Said This To Me....

A couple years ago, while in college here in Toronto.  I had the opportunity

to be mentored by a Millionaire.   

At the time, he shared with me tips but it was never clear to me as it is now.  

He challenged my thinking by asking me questions to ponder on from time to time.  

One of the first things he said to me was...

"You need to DREAM".

DREAMS are the fire that fuel desire! Dreams give you energy, life, and fulfillment. In the personal development industry, the most commonly accepted definition of success is the steady progression toward a worthwhile goal or dream.

There are probably many people wondering how to realize their dreams and how to

be able to create a business that pays them for helping others achieve their dreams.

I brought this similar question to my mentor.  As he was already a very successful business owner.

A True Entrepreneur

The Importance Of Learning

MY OFFICIAL YOUTUBE CHANNEL

MY OFFICIAL YOUTUBE CHANNEL

HAS LAUNCHED

CLICK HERE

Your 365 Page Life Book

For 2015, what do the first 5 pages in your 365 page life book look like so far?
Is it starting off the same as 2014? or is it just blank?

Here's the thing, it's not too late to start. Start by deciding to make changes and begin to write them down. Beware of complacency. Remember, there are two types of "Time Wasters". The Urgent and The Pleasurable.

FREE GIFTS FROM ME TO YOU FOR 2015!!

DO YOU WANT TO HAVE YOUR BEST YEAR EVER??

VALUED AT $25

I GET TO YOU FOR FREE

HERE ARE YOUR FREE DOWNLOADABLE GIFTS 

Gift 1:  BEST YEAR EVER - BILL COX

Gift 2:  DREAM BOOK

Small improvements in key areas of your business and life can lead to enormous differences in results. - Bill Cox

These 2 gifts are available until Jan 2nd.  Grab it Now