How to Escape Financial Matrix

When ever you need to fix something in you home, you go and look for an entrepreneur to do it for you. However concerning financial development, you need to seek knowledge from professional in financial issues.

Referring to statistics, Americans are living right on the edge — at least when it comes to financial planning. Approximately 62% of Americans have less than $1,000 in their savings accounts and 21% don’t even have a savings account, according to a new survey of more than 5,000 adults conducted this month by Google Consumer Survey for personal finance website “It’s worrisome that such a large percentage of Americans have so little set aside in a savings account,” says Cameron Huddleston, a personal finance analyst for the site. “They likely don’t have cash reserves to cover an emergency and will have to rely on credit, friends and family, or even their retirement accounts to cover unexpected expenses.”

What causes this situation is credit cards and debt! Debt is a critical issue in many American household. The average U.S. household with debt carries $15,675 in credit card debt and $132,158 in total debt. It’s easy to say “we should get rid of our debt and pay off our balances”. But saying it is not like doing it. It’s a though decision that takes a great commitment, personal and family teaching to get results from the hard work on how to cut off spending.

First, you need to have plan. You define the problem, you learn about it then you take it to reality, it’s a complex process.  That why you need financial coaching that could teach you how to spend less than you gain. Have you ever heard the proverb saying: “Pay yourself first.” which means put your money in saving first.

To get rid of debt, our personal and family debt, we need to divide debt in two categories: credit cart, and debt with interest charges.

I’ll be presenting you This financial coaching in multiple series of teaching and coaching. I’ll be sharing with the information and knowledge that will help you solve your financial problems using smart tactics. I will explain to you how to make short and long term plans to free yourself from debt. And to use some strategies to manage your expenses upon your income . I’ll guide you toward the best understanding of the value of money and to consider it as a gift to be spent rationally. I’ll help you while teaching you how to deal with your own money.

Prior to that, let me teach you some wise philosophy of life: you have to change your opinion about money, how is that? most of people who their income let say $30.000 a year would say if it was $40.000 I would be better off. The same thinking with the ones that make $40.000, they would say , if my income were $50.000 I would live comfortably and free of debt. The problem though is not in getting more income, but in how to cut more expenses. Because no matter how huge or little your income is, you would over spend it. Indeed you have to change your vision of money. Think differently, teach yourself how to deal with money. For that purpose you might need help of professional in financing.

Before that, let ask questions about debt situation, and why debt has grown so highly in American families?

A study has shown how the cost of living has increased, and how the rise in the cost of living has outpaced income growth over the past 12 years. While median household income has grown 26% since 2003, household expenses have outpaced it significantly — with medical costs growing by 51% and food and beverage prices increasing by 37% in that same span. Household income has grown by 26% in the past 12 years, but the cost of living has gone up 29% in that time period. And some of the largest expenses for consumers — like medical care, food and housing — have significantly outpaced income growth.

household debt has grown 15% faster than household income since 2003. This is a concerning spread, however this situation has improved significantly from where it was in 2009, during the recession, when the difference reached 42%. As McQuay says “One upside to the recession is that it forced people to tighten their belts,” “While that tightening was painful at the time, it helped slow down the growth of consumer debt.”

As we conclude here, the economic crisis and the period of recession has put the American in critical condition of debt. While cutting expenses is one effective solution , there are many other ways to defeat debt by information and knowledge in financial tactics. Next articles I will go through financial fitness and how to live debt free.



Holidays and Grief

I’am not trying to bring tears and sorrow to your best moments of this blessed holidays.  But while celebrating and shoping for gifts,  think about those who are under war attacks,  disasters,  flooding, and those who don’t have home nor food or Clothing.  Have your thought in those mesirable kids who need your love and attention.

Following are suggestions for simplifying your Holliday and have room in your heart for others.

While shopping make a Gift list for kids overseas,  all KIDS and not just Christian ones as Chrismas is about kids.

Don’t spend huge money in buying for yourself ,  family, and friends.  Think about the poor one,  the homeless,  and other needy,  CHRISMAS is about sharing gifts and joy.

Explain to your family how to go simple while sharing with others.

Set Yourself as example in sharing and giving away gifts in this hardship time.

Share the spiritual meaning of the Holiday season to bring others confort.

Celebrate the Love, forgiveness, and compassion that make life complete.

Be always a good beliedownloadver,  giver, and lover.

Happy Holidays.

Dr. Saida Seddik


To argue Logically or with Heart

This book represents the culmination of many years of research, meditation, reading, analyzing, and building a system of thinking all aimed to understanding the tremendous and rapid changes happening all around the globe since the mid 20th century until the 21th century. We need to find ways to make sense of these rapid changes—changes that seem to accelerate with the passing of every decade and now every year. There is a strong historical movement led by people in the whole world trying to shift the centers of power, so that more people are empowered to fulfill their natural potential. However the transfer of power won’t happen smoothly; indeed, most likely the needed transformation will involve a great shock to the actual system _imperialism power led by US and Nato_ . This system is in critical condition collapsing worldly, in European countries, and USA the Mastermind of the system. Indeed the extremist wars launching everywhere in the middle east and Africa explains the imperialism and neo-colonialism system is collapsing and falling apart. In fact as imperialism crumbles, many western capitalist and neocolonialist are collapsing economically, politically, and ideologically. War is the only interface to keep the system’s power and to impose its authority. The current wars are a source of huge amounts of money to be derived from the sale of arms and exploitation of Vast natural wealth in the countries that are invaded. Indeed military power and mass media is the interface that keep the big corporations and empire governments in authority and power. However the future draws new democratic states that would give people the power for new mode of democracy with new conception of justice, human rights, equality, and prosperity.

This transfer of power from the elite class, big corporate and “empire” governments that control the world to the people who actually keep the economy turning would empower those all over the world who claim their rights. These changes will also benefit the environment by reducing the greed and exploitation of nature by corporations and “empire” governments.

All kind of theorems are set up to approach this tremendous changes, and futurism is one of these important theorems. The American Futurist Alvin Toffler in his books has approached these changes states in his book Power-shift that today’s changes are pushing us to think strategically and we need to see how different changes relate to one another. Thus Power-shift, like its two predecessors, sets out a clear and comprehensive synthesis—an overarching image of the new civilization now spreading across the planet. “future shock” refers to the great impact these changes have, and will continue to have, on all aspects of life—including employment, the economy and, most especially, the ongoing cultural shift to globalization.

This shift marks the end of power-dominant civilizations toward the beginning of new kind of civilization, where power is much more equitably distributed.

The ideas in this book result from yeas of research in philosophy, sociology, psychology, politics, economics, human rights, and religion. I have drawn on all of these sources in order to come up with a strong intellectual structure compelling enough to help bring about the needed changes.

I had to work hard looking at facts to find ways to integrate the views and perspectives of researchers looking forward to brighter future. Nevertheless, We ask here: What would limit super power in absence of strong morality? Industrial civilization system has given way to a new information civilization; we now live in an age of mega transnational corporation out-of-touch government bureaucrats, consolidated media-power, mass communication consolidated media-power, slave-wage mass production, environmental destructive distribution, and mass education failure.

Dr. Saida Seddikhijab-pictures-2014-003