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Learning 5 Steps on How to Permanently Get Out of Debt

While I was browsing the internet looking for information about my current situation I came across Todd Tresidder's article about getting out of debt from  Financial Mentor . He says, " Debt is not a financial problem. Debt is actually a personal problem masquerading in financial clothing to deceive us ." Hard to believe, but it is true. That's why so many people have persistent problems with debt and I am no exemption to it. Defining our debt problem correctly is critical to solving it. Most of us mistakenly define debt as a financial problem, thus developing financial solutions. That's why our debt returns shortly after paying it off. We fail to identify the root cause of debt, opening the door to repeating the vicious cycle. A permanent debt solution requires a plan of attack based on proven principles that will actually work. When I just pay off my balances, I relieve the painful symptoms. But the underlying condition that put me in debt in the first pla...
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Cryptocurrency: What It Is and Should Someone Invest In It?

Ever heard of Bitcoin, Dogecoin, Litecoin, XRP or Ethereum? They’re actually types of cryptocurrencies (aka digital money). And they’re trending everywhere you look.  Cryptocurrencies let you buy goods and services, use apps and games or trade them for profit.  But here’s the million-dollar question: Should you invest in cryptocurrency?  Let’s unpack what in the world crypto is first. What Is Cryptocurrency Cryptocurrencies are digital assets people use as investments and for online purchases. You exchange real currency, like dollars, to buy “coins” or “tokens” of a certain kind of cryptocurrency and is stored in digital wallets . Much of the interest in cryptocurrencies is to trade for profit, with speculators at times driving prices skyward. How Does Cryptocurrency Work Cryptocurrencies run on a distributed public ledger called blockchain , a record of all transactions updated and held by currency holders. If you own cryptocurrency, you don’t own anything tangible. What...
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Why People Fall Prey To Scams And How To Protect Yourself From It?

Scams cost individuals, organizations and governments trillions of dollars each year in estimated losses, and many victims endure depression and ill health. It target people of all backgrounds, ages and income levels. There's no one group of people who are more likely to become a victim of a scam, all of us maybe vulnerable to a scam at some time. But why do we fall prey to scams? Scams succeed because they look like the real thing and catch us off guard when we’re not expecting it. Scammers are getting smarter and taking advantage of new technology, new products or services and major events to create believable stories that will convince us to give them our money or personal details. Scammers frequently use persuasion techniques like pretending to be a legitimate business and using local area presence to foster familiarity. Or they make time-sensitive claims to increase motivation. Living in a developing country with a strong family culture, we always see the potential for hi...
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