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Esther Mukoro

Discussion  - 
 
Clever budgeting is all about spending. Learn how to budget your money with these simple guide & tips and put yourself back in the driving seat of your finances
http://www.moneynuggets.co.uk/how-to-budget-harness-your-finances/
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Nigel Abery

Discussion  - 
 
More choice better for SMSF operators.
Josh Frydenberg the assistant treasurer stated that the Government has no plans to ban SMSF loans to purchase real estate
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Jen Hemphill
owner

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Need a shot of espresso this morning in your coffee?

I've got something for you that will do just the trick! Let me introduce you Maggie Patterson, she is this week's guest on the Her Money Matters Podcast and you will absolutely love her energy.

On the podcast she will:
--Share a money lesson her mom taught her that involved her Christmas wishlist
--The best money advice that came from a former employer
--The scoop on the impulse purchases she's made and what she's learned from it and so much more!

You can listen to it here:  http://jenhemphill.com/hmm-11-impulse-purchases-an-intimate-relationship-with-amazon-and-balance-with-maggie-patterson/
If you haven't had your cup of coffee yet and you are dragging your feet, this week's episode can be your shot of espresso.  My latest guest Maggie Patterson brings lots of energy as shares her money story.  Besides a successful entrepreneur, she's also a wife and mother which is the side I wanted to bring to the show--you'll have to let me know how we did! **FYI, there is one slight curse word that I overlooked and didn't mention on the podca...
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Soni ami

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It is commonly thought that student loans can never be discharged, leaving some former students with heavy burdens and no relief.
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BudgetBakers

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Managing money together as a couple is a superpower to be harnessed. Budgeting, frugal living and planning can all work better - but it all depends on effective communication.
Managing money as a couple is not easy, yet most of us need to learn it sometime in our lives. If you work together towards your aims, you can be twice as effective than alone and you can support each...
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Roger Wohlner

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My latest for Investopedia.
Helping clients manage their old 401(k)s is a huge retirement planning issue. It also presents opportunity for advisors.
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In a fast moving world and fast spending society applying ‪#‎Money‬ ‪#‎Mindfulness‬ to your life and finances will enable you to make the best out of them in a practical and purposeful way. Do you agree? Leave your comments and thoughts below.

To find out more go to http://bit.ly/1E7iZut

‪#MoneyMindfulness
‪#‎SpreadYourFinancialWings‬
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Roger Wohlner

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Jen Hemphill
owner

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You like to take vacations right?  I know we do :-).

In the latest episode I share with you the exact strategy I use to save for our family vacations year after year.  You can tune in here:  http://jenhemphill.com/hmm-008-my-simple-strategy-to-make-planning-for-vacations-financially-easier/

What are your best tips for saving for vacations?
Who doesn't love to vacation?  Let's face it everyone loves to take trips, but the fact is it all takes money and planning ahead of time. Sometimes we think we don't have the money for it, but do we actually take the time to actually see if that is true?  In this episode I share with you the exact strategy I use and teach to help doing the financial part of planning your vacations easier and not so overwhelming. ♥♥Loving the show?♥♥ T...
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Jen Hemphill
owner

Discussion  - 
 
Let me ask you a question, when was the last time you said "I/We can't afford that!"

This week? Last week? This past month? Maybe already today?
Are you tired of finding yourself saying and feeling that over and over again?

This week on the Her Money Matters Podcast I talk about how to start affording what you want with just three tweaks.

#podcast 

http://jenhemphill.com/hmm-12-three-tweaks-to-start-affording-what-you-want/
Imagine for a moment you are out with your family during the weekend and while you are out you see an advertisement for THE family getaway of your dreams.  You get excited and all the sudden this pops into your head and out of your mouth "We can't afford that!" Does this sound familiar?  Are you tired of finding yourself saying and feeling that over and over again?  I have to tell you that there is hope and you can make a change with the 3 twe...
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Soni ami

Discussion  - 
 
 
Parents don’t always know where to start when it comes to teaching children about money.
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Tracy Becker

Discussion  - 
 
In today's mortgage environment there is a slim likelihood of qualifying for low-cost federally backed home loans with credit scores under 620-700.

The standards for lending may have significantly stabilized since the end of the Great Recession six years ago, but this may only apply to those with credit scores of more than 700, according to analysts. For those with what some might consider good credit, there still remain fees and extra costs that create limitation in the home-loan market.

The option of higher-cost Federal Housing Administration (FHA) mortgages has become the redirecting option in place for those with minimal credit issues, rather than having federally backed loans available to them. The issue here is these mortgages used to be reserved for those with low incomes and poor-credit borrowers, but are instead being used to accommodate minor credit issue applicants.

FHA loan costs remain soaring with high upfront fees for private mortgage insurance, as well as monthly insurance payments that will remain the same over the course of the loan period even if there is any improvement in the borrower’s payment record or home equity. 

Middle-class borrowers have felt the burn of these high premiums, paying amounts up to thousands in extra costs, rather than qualifying for low-cost mortgages. 

Even having scores of 620-700 would not help qualify for low-cost mortgages backed by Fannie Mae and Freddie Mac, which have a history of buying or guaranteeing more than half of the nation’s mortgages. Only an average 1 in 6 loans they’ve written have gone to middle-tier borrowers in the first 3 months of this year. 

The loans have been almost exclusive to “older, wealthier, white borrowers” at a higher rate according to Mortgage Bankers Association President David Sterns, a former FHA commissioner. This has been seen as an overreaction to the mortgage-credit debacle that triggered a global financial crisis, according to many experts.

Officials at Fannie, Freddie, and the Federal Housing Finance Agency (FHFA) have tried to encourage lending to lower income and minority borrowers by a reduction in certain fees and beginning to accept down payments as low as 3 percent. 

Melvin Watt, director of the FHFA, has argued it wouldn’t stop lenders from implementing higher credit standards than is required. “The message we have tried to send is that we need to find a way back to responsible lending to creditworthy borrowers across all market segments.”

The companies are imposing extra charges on loans to borrowers with lower credit scores and down payments, which translate into higher interests rates, in order to compensate for the extra risks set in place. Lenders are also feeling the brunt of legal expenses related to housing-boom-era mortgages and are imposing overlays on these borrowers. 

These consumers can seek out quality credit repair firms to see if improvement from fair to excellent credit score is possible.  A high quality credit repair firm can wind up costing "nickels" as opposed to "dollars" over the life of their mortgage loan.
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Video: Your Vibe is Your Tribe - https://youtu.be/-gfrffdNAZk
Do you have tribe? What about a #Financial tribe

RSVP: http://bit.ly/1EAXYIL
FB Group: http://on.fb.me/1EAXYsk

#WealthyWednesday
#SpreadYourFinancialWings
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Build a source of passive #income - Expert shares her strategy for tax lien #investing  

http://peerfinance101.com/tax-lien-investing-diy-investing-returns/
Expert tips on tax lien investing and how to make double-digit returns on this DIY investment! How to buy tax liens in any state.
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Money Mindfulness Monday:
Summer Must-Reads: 10 Money Books to Throw in Your Beach Bag - recommended by  Butterfly Wealth Creation​

1. The Wealth Chef by Ann Wilson​
2. Love Is Not Enough - Merryn Somerset Webb​ of MoneyWeek​
3. Creative Visualisation - Creative Visualization Shakti Gawain​
4. Rich Dad, Poor Dad - Robert Kiyosaki​
5. How to become a money magnet​ by Marie-Claire Carlyle​
6. Money Magnet Mindset by Marie-Claire Carlyle​
7. Rich Woman - by Kim Kiyosaki​
8. Your Roadmap to Success by John C. Maxwell​
9. The Magic by Rhonda Byrne​
10. Love Life, Live Life by Sue Stone​

There are so many books I could list but these books moved me or at least the author(s) did.

For more books like this go to my online bookstore - http://butterflywealthcreation.com/visit-the-book-store

To apply the 4Ms of Money Mindfulness to your life then check out our FREE Presentation by going to - http://butterflywealthcreation.com/free-gift

Have a great (rest of) Summer!

 #MoneyMindfulnessMonday
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Jen Hemphill
owner

Discussion  - 
 
"Big lesson--never make decisions based on what's in the bank, the bank represents your past. Your future is in your hands." Ilean Harris

My latest guest on the Her Money Matters podcast did not disappoint, in fact Ilean Harris WILL have you fired up after listening to this episode. She shares a wedding tale like no other, the reason for finding purpose with your goals, the best money she spent and so much more.

You can tune in here:  http://jenhemphill.com/hmm-009-finding-purpose-wally-and-a-wedding-tale-with-ilean-harris/
There is no doubt in my mind that after listening to this episode you WILL be fired up! For this episode I interviewed the beautiful Ilean Harris a coach, online marketer, trainer who has a way with words and has some golden nuggets you surely don't want to miss!  Plus, you will see why I told her if she hasn't taken up public speaking that she totally should. ♥♥Loving the show?♥♥ There is an easy way to show support for the HMM podca...
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Roger Wohlner

Discussion  - 
 
The latest from my blog on these two popular self-employed retirement plans.
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‪#‎FeatureFriday‬ is here with our new ‪#‎MobileApp‬ update. Coming Next Week!
2 of our favorite new ‪#‎AppFeatures‬ include:
1.) New action intuitive navigation buttons that will allow you to make mobile transfers easier. Allowing you to send money to friends and family or pay your bills quicker.
2.) New touchscreen optimization that provides you with larger tap-able buttons & tiles throughout the entire app. Making it faster for you to click to where you need to go & overall giving you a more user friendly experience.
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Financial Fun Friday
www.youtube.com/watch?v=xhjwQ0tc02I
Take our quick and fun financial quiz and find out where you're at on your #wealth and #success journey! - http://ButterflyWealthCreation.com/Quiz

 #SpreadYourFinancialWings    #FinancialFunFriday   
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A Must-See: the new #1 Trader (TraderVic) on top again - outstanding figures like
$1.3 M following and 14.140 pips profits within a rather short while.
Do yourself a favour and check him out here.
http://www.autotradingservice.com
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