Let’s Get Real!
Posted by Melinda Day-Harper on June 24th, 2009
Okay, so come on people, this isn’t rocket science. You have XXX dollars that come in, you spend LESS than XXX dollars going out. Doh! For those of you whose employment situation has changed (i.e. lost a job, got a new job at less money, etc), this means that you have to take immediate action to change your outgoing dollars. Do you Really need cable TV, do you Really have to go out to eat, etc. This is our new reality, and a lesson to be learned about over-consumption which we Americans are famous (infamous) for.
It’s past time to re-examine what’s Really important. Put your Money where your Purpose is.
Many Blessings,
Melinda
Declutter Tip!
Posted by Melinda Day-Harper on June 18th, 2009
I was talking to my cousin Debbie a couple days ago lamenting that I had not been keeping up with my 20 minutes a day of decluttering for the last few weeks & have mail piled up on my dining room table. She said that she put a chair in her garage (where she enters her house after work). She lets her dogs out to do “their business”, sits in the chair and goes thru the mail. She has a garbage can there where she immediately throws out everything she doesn’t need to keep. Good tip, Deb!
Many Blessings,
Melinda
New Book Release!
Posted by Melinda Day-Harper on June 18th, 2009
Wake Up … Live the Life you Love: Empowered! of which I am a co-author along with Wayne Dyer, Brian Tracy and other notables was released just yesterday. Reached #5 on the bestseller list and #1 on the Self Improvement list! This is a great compilation of personal stories of overcoming difficulties from each author. You’ll love it! http://tinyurl.com/wakeupempowered
Many Blessings!
Melinda
www.TZoneConsulting.com
Senate to consider new Credit Card bill today
Posted by Melinda Day-Harper on May 11th, 2009
http://www.cnbc.com/id/30681800
Well, it’s about time. President Obama has been pushing for legislation reform in the out-of-control credit card industry. Looks like we will see some changes very positive for consumers soon.
Will keep you posted!
Melinda
Madoff wants to go home
Posted by Melinda Day-Harper on March 18th, 2009
Bernie Madoff’s sentencing after his guilty plea will take place in about 3 months.  After bilking investors out of billions of dollars, his attorneys have requested on his behalf that he be allowed to go home to his $7 million penthouse “on bail” until his sentencing. He is certainly expected to spend the rest of his life behind bars, but his attorneys indicated that his cooperation in “finding” the billions of dollars essentially stolen from investors hinges upon his ability to spend a few months with his wife before going to jail.
I have to say that’s a pretty good incentive - to be able to recover some of the money he took from now desperate former investors. Doesn’t make it right.
Many Blessings & Safe Investments!
Melinda
Latest Madoff Development
Posted by Melinda Day-Harper on March 11th, 2009
Bernard Madoff, the Wall Street trader that bilked thousands of individuals out of $50 billion, is expected to plead guilty to securities fraud, money laundering and perjury in an open plea hearing in New York. Doing so, Mr. Madoff faces up to 150 years in prison.  So why would he do that? It is a certainty he will be going to prison for a long time whether he pleads guilty or not, but pleading guilty is the only way Mr. Madoff can preserve at least some assets for his family. It is highly possible that this is the only way to recover at least some of the billions essential stolen from innocent investors, because Mr. Madoff is the only person that knows where all that money is located!
Mr. Madoff’s sentencing is not expected to occur for several months. In the meantime, his legal team will be asking that he be released on bond.
Seems to me, particular with the guilty plea, that bond would be denied so that his access to any of these hidden funds would be difficult if not impossible. Will keep you posted!
Blessings,
Melinda Day-Harper
American Express Pays Customers to Cancel Cards!
Posted by Melinda Day-Harper on March 5th, 2009
Okay, this is a first. American Express sent out tens of thousands of notices to retail customers that they will pay you $300 to cancel your AMEX card! Sounds crazy, doesn’t it? What’s the catch? You have to pay off your balance within 30 days of agreeing to cancel your card, your awards points are forfeited (unless you use them up first), and you still have to pay interest during the March 1 to April 30 window.
My understanding is that these notices were sent out a few weeks ago and the deadline for “signing up” was Feb. 28. However, other credit card companies are sure to follow suit. Be aware that, as you may have learned in our Credit Scores teleseminars, closing any line of credit will generally hurt your credit score!
Chin up — we’re still hanging in there. Final Question for you: Can you imagine a situation where the “powers that be” allow our banking system to fail? Nope, me neither!
Blessings!
Melinda
Declutter to Increase Prosperity!
Posted by Melinda Day-Harper on February 28th, 2009
Sounds a little “woowoo” but we are often unaware of the negative effect clutter has on energy flow. In my Feng Shui Finance seminar, we talk about the positive effect clearing away clutter has on your mindset. We also talk about the fact that space abhors a vacuum and you want to make sure that when you do have space, make sure you attract what you want!
“Clutter weighs down the energies around you. Clutter is anything in your environment that is in disrepair or that you no longer like or use. It’s anything that is unfinished, in disorder, messy or stacked up. You have to physically create “space” in order to attract “things” into your life. Pay special attention to your desk: Clear away objects that sabotage energy flow. Clutter isn’t just messy; it’s a magnet for attracting negative energy. If your desk and floor are scattered with unfinished projects, papers, files and mail, energy can’t flow freely. Trapped energy either goes stagnant or builds up into a force that can make you feel jittery, overwhelmed, irritable, fatigued or depressed. In such an environment, you’ll find it’s hard to concentrate and complete tasks. Clean out your file drawers. It’s a basic principle of physics that nature abhors a vacuum - so clear your space and fresh, new things will flow into your life.” Rupal Turner  www.classicalfengshui.com
So clear out that clutter and start attracting more of what you want into your life …Â like Prosperity!
Many Blessings & Much Prosperity,
Melinda
So it Passed!
Posted by Melinda Day-Harper on February 14th, 2009
Obama’s Bailout Plan passed last night - with only 3 Republican Senators voting for it. While I agree that something needed to be done quickly to prop up our faltering economy, perhaps a little more time was needed to come up with a plan that at least a majority on both sides could agree on. I guess that’s too much to ask! Time will tell whether this Plan has any real value to boosting employment and productivity. In the meantime, here is some info from The Motley Fool newsletter I found interesting.
- All bank bailout information will now be disclosed on FinancialStability.gov, which will also include previously hush-hush information such as what individual banks are doing with taxpayer money.
- The Federal Reserve’s Term Asset-Backed Loan Facility (TALF), a program designed to unclog the secondary loan market, will quintuple in size to $1 trillion. This should do a lot to get consumer-based credit flowing again.
Again, time will tell! In the meantime, we, as individual consumers, should concentrate on the same, tried-and-true methods of ensuring our Personal Propserity:  Be conservative in our spending and do everything we can to reduce our debt.
Many Blessings!
Melinda Day-Harper, CEO
www.TZoneConsulting.com
The Latest Idiocy
Posted by Melinda Day-Harper on February 12th, 2009
Okay, so am I correct here? Not only are we (the taxpayers) bailing out failed financial institutions because of investing in “bad assets” (can you say “bad management”?) but now we are also contemplating bailing out individuals who made bad personal financial decisions?
Don’t get me wrong: I am sympathetic to the homeowners who, because of circumstances beyond their control such as job loss or catastrophic medical expenses, find themselves in the position of losing their homes. These are special situations in which Bankruptcy Law can enable them to keep their homes and pay back their debts. However, for those who have massive credit card debt and other financial obligations they can’t meet, including paying for their mortgage, I have no sympathy. They have put themselves in this position by their inability to control their own spending and it is not right, not fair to the rest of us to bail them out of their own mis-management of personal finances.
Be Informed! Also be realistic and reasonable in handling your own personal finances. It’s the right thing to do.
Many Blessings & Much Prosperity,
Melinda Day-Harper
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