Shane Financial Times

As much as I try to avoid the waves of fear that are in the air about the economy, I am not entirely successful. I worry that I will not be able to afford the things I need,that I will have to count every penny I spend, that I will be unable to be generous with my loved ones and that I will have to work until I am 90.

I finally had to remind myself that thoughts of scarcity and lack are not helpful. I can agonize about finances until my head spins but in actuality worry only makes things worse. So, my new attitude is to focus on what I do have control over: my thoughts, my behaviors, my attitude.

Below are some ideas that to help you weather today’s financial uncertainty.

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The problems of debt do not go away easily and it is very unlikely that any difficulties you are suffering with debts will simply disappear without a serious effort from you.

Debts build up reasonably slowly and we tend not to notice the debt growing steadily over the months and years but one day they reach a tipping point and all of a sudden you find yourself being bombarded with demands for payments when you don’t have the money to pay. The debts may build up slowly but the pain arrives quickly and there are no easy debt cures available to help.

It would be wonderful if there was a simple debt cure that could be applied like a band aid to solve all your financial problems but unless you suddenly win the lottery or come into an inheritance that is unlikely to happen. The debts will not simply disappear and your creditors will not just walk away and forget about the money you owe them.

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Life can be rough. Because our lives revolve around money, we spend the majority of our life working for a paycheck. When we have financial challenges, it affects the rest of our life in many ways. Our relationships are challenged, our work is challenged, and we have an extra burden of weight continually on our shoulders.

We may experience the loss of a job, and if that wasn’t enough, in the same month our refrigerator breaks down and we have the stress of finding a quality Los Angeles appliance repair person. Or we save and save so we can go on a much anticipated vacation, to find that we need to invest several hundred dollars into an unexpected car repair.

The supposed financial tools we have the most easy access to such as credit cards, end up putting us in a worse state than we began. If we want professional advice or help, we need money to pay for it, and the best financial advice is reserved for those who have the most money. Ironically, the people who need the help most cannot get it.

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Experts claim the economic crisis isn’t over yet and we are to expect further negative effects. This only means we must reconsider our savings. If you haven’t invested in any asset so far, it’s time to do so. Surely, there are many options to analyze and it could be difficult enough to make the right decision. If you aren’t sure what would suit you best, you may want to consult the experts.

Analysts say gold is still hot. In my opinion, it has always been relatively hot. From what I read and heard, the yellow metal constantly played a major lead in any country’s economy. Even long before people understood the concept of economy, kings and queens wore gold incessantly because it was an emblem of their wealth. Our ancestors most probably didn’t know much about economies and money. Still, they knew that the more gold they owned, the richer they became.

Over the years, people have invested in precious metals as a method for securing their finances. Many people choose to purchase gold as it usually renders a generous profit, especially if you buy it when it’s not in high demand. Ingots are considered the most guaranteed forms of investment in the yellow metal. You may not know but their value is closest to the market rate and this is why investors prefer bullion products and coins.

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A myriad of World Wide Web surfers are scouring every nook and cranny of the cyber universe to find ways on how to earn or make online money in these rough financial times; teenagers wanting new electronic gadgets to stay up to date with the trend among peers, university students finding ways to stretch their allowance for a memorable trip with a special someone, young adults who are part of the population of the unemployed, or a housekeeper doing her best to make ends meet because her husband’s salary just is not enough.

To earn or make online money is not far from reach. All a person needs is to be a wee bit computer or technology savvy, have access to cyber space and the time and willingness to earn or make online money.

The Internet universe has provided a range of sources to satisfy one’s creative talent or basic skill and put them into good use for some extra cash. Home based businesses or jobs are increasing rapidly and it is definitely one answer to the growing number of jobless citizens with time in their hands.

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