Quotes of All Topics . Occasions . Authors
When you start really respecting yourself, those you love, and your money, the result is that you start having control over your money. What follows from that is control over your life.
The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.
The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.
I look around and there are needs that people have. Places have needs. These times have needs, and I have the education and the ability to communicate with it and help to solve those needs.
Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there.
Whenever you're confronted with a tough work situation, stop for a second and try to honestly answer this question: Am I approaching this emotionally or am I approaching this professionally?
The dream of having one's dream job turned into "Oh my God, I'll take any job. I've been out of work for two years now. I don't care what I do. I'll do anything because I don't have any money".
I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance.
Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.
We are all powerless as children, and money looms so powerfully... we don't grow up to claim our financial power until we look money directly in the eye, face our fears, and claim that power back.
Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money.
What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.
A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.
Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters.
The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court.
You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.
Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.
I answered her spiritually. And that is where Oprah [Winfrey]comes from. She comes from a place of the truth within her. And I think that's why we clicked. And I think that's why we still continue to click.
Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.
America has a broken spirit, that the people that are saying, "Please help me, please let me keep my home, please let me keep my car, please recognize me as a vital human being," they are falling on deaf ears.
I've never believed unemployment numbers because the way that they calculate unemployment makes no sense whatsoever. It's not how many people are unemployed. It's how many people are actively looking for a job.
When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone.
If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.
The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. The first, and most difficult, step is to absolve yourself and your spouse or partner of any guilt.
If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.
Here's what's interesting about women. When it comes to their babies, when it comes to their children, they become these financial warriors like I have never seen before. They will not turn their back on the battlefield.
Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe.
A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.
Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices.
Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.
Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt.
Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.
Men and women both have an equal capacity to make money, but they want money for different reasons. Men want money for power and women want it for comfort, and usually not their own comfort, but the comfort of others in their lives.
Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.
Every morning I wake up, I can't even wait to go and see what life can I change today. It doesn't have to be a lot of lives, but I can change one life a little bit here, a little bit there, and I hope that everything I create, people know that.
I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.
One has to ask what is the goal of life? What is the goal of life? My interpretation of it for myself, a very wise teacher once taught me this, is to meet the needs of the people, places and the times around you and offering those services to God.
A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed.
If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.
It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting.
Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.
I grew up thinking that because I couldn't read, I was stupid and would never amount to anything. I worked my way through college as a waitress and thought I wasn't capable of doing anything else. My grades in English were horrible, and I barely got through.
I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.
Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.
For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987.
I've learned from her [ Oprah Winfrey] really how to stand in one's truth, how if you just simply are who you are, you know, you're heavy, you're thin, you're happy, you're sad - if you just speak your truth as it comes into your mind, then that's what people relate to.
Money is a living entity, and it responds to energy exactly the same way you do. It is drawn to those who welcome it, those who respect it. Wouldn't you rather be with people who respect you and who don't want you to be something you're not? Your money feels the same way.
The truth is that you are nothing more than the custodian of your inner and outer wealth while you are on this planet. All you have to decide is what kind of custodian do you want to be? Do you want to be a good custodian of your inner and outer wealth? Or a bad custodian?
Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks.
Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college.