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James Dicks's Blog (33)

Stop The Harassing Bill Collectors

I have heard it from so many people that I know and meet. Bill collectors are driving them crazy.  First and foremost, stop being embarrassed and afraid of being in the situation you are in now.  In some cases it’s not your fault and regardless it is what it is, and we need to get you out of that place and on the road to financial independence again. 


First thing you need to do is every time a collector calls you, put them on notice that you will no longer accept phone calls…


Added by James Dicks on August 24, 2013 at 7:14pm — No Comments

The New Economy – Weak and Getting Weaker

The past few years have been tough economically for individuals and for business; even people who never talk about the economy are discussing it with their friends and family.   Why?  Because today’s weak economy is affecting them very negatively and directly, probably for the first times in their lives.   Many of us can probably remember our parents or grandparents talking about what they experienced during the Great Depression of the 1930s or perhaps you learned about it in school.  But…


Added by James Dicks on August 3, 2011 at 6:43pm — No Comments

An Anonymous Internet

Most everyone today uses the Internet on a daily basis to the benefit of their personal lives as well as their businesses; but is “Big Brother” watching?  If some powerful figures in control of major Internet sites have their way in the future it is certainly a possibility. 

The Internet has never been totally anonymous based on the IP address read by the sites you visit.  But the ways in which you send emails to friends and associates or conduct business (online banking, bill pay,…


Added by James Dicks on July 31, 2011 at 1:00pm — No Comments

The Recessionary Job Search

Tough times are here and tougher times may be coming.  If you find yourself without a job during the current economic downturn, you must become as confident as you feel comfortable with (and maybe more than that) if you are ever going to gain the attention of a possible future employer. 

Look, just going to job fairs and sending your resume out over Internet probably isn’t going to be enough.  You may have already discovered that hasn’t worked for you.  So, what’s next?

I have…


Added by James Dicks on July 21, 2011 at 8:23pm — No Comments

Deed in Lieu of Foreclosure - Might Be An Answer

So many people today are in foreclosure around the country; the banks and the courts are really getting backed up.  If you are in this situation, you might want to approach your mortgage company and see if you qualify for a Deed in Lieu (DIL) of Foreclosure to avoid the foreclosure process.

Basically, a DIL allows the homeowner to voluntarily transfer the ownership of their property to the mortgage holder in exchange for a release from the mortgage loan and payments.  This is becoming… Continue

Added by James Dicks on June 12, 2011 at 2:02pm — No Comments

Planning and Passion – Keys to a Successful Business

In today’s volatile business and economic environment, there are tens of thousands of people who have decided (for a variety of reasons) to leave the corporate world and enter a more entrepreneurial situation.  There is no one sure method of guaranteeing a profitable business, but if you lack the passion and the ability to put together a structured business plan, your odds of creating an enterprise that even has a slight chance of survival is extremely slim.

There are many key forces…


Added by James Dicks on May 4, 2011 at 5:34pm — 2 Comments

Protecting the Military

There is absolutely no other group of individuals in this nation who should be honored as much as those who toil for us around the world, and in many instances, sacrifice their very lives.  Our military forces and their families are forced to live through great times of difficulty in order to carry out the various requirements deemed essential by the Commander in Chief of our country. 

In this time of war around the world, many of our military forces are on their fifth or sixth tours…


Added by James Dicks on April 21, 2011 at 6:15pm — No Comments

There’s No Doubt About It … Times Are (Still) Tough!

In the past few years, we have witnessed a rash of massive personnel layoffs and the loss of thousands of small business structures in the U.S. and around the world.  But at this point, I must admit that I still don’t see an end to our financial crisis.  We’re not likely to as long as the price of a barrel of gas continues to rise and inflation threatens our way of life. 

For the first time since September 2008, oil prices rose to reach levels of over $ 110 a barrel, due to the…


Added by James Dicks on April 17, 2011 at 9:36am — No Comments

Take a look at your Forex Broker

I wanted to take some time and create a series of blogs that will help Forex traders better navigate the “shark infested waters” of the Spot Forex over the counter marketplace.  I have spent a tremendous amount of time over the last few months researching the forex brokers.  I want to share what I have learned and how to better combat some of the tactics that brokers take to help them insure a better bottom line. 

Let me just say, that I still love trading the Forex market.  I think…


Added by James Dicks on February 8, 2011 at 12:17pm — No Comments

Diminished Value and Gap Insurance “Know your Rights”

I have been around the block a few times, and I have to say that this one simply just slipped thru the cracks. Bad thing is that I could have used it in the past to assist me in collecting money that would have been very beneficial in the end. I was talking to a friend of mine yesterday and unfortunately he was in an accident the other day, good news no one was hurt. So like most of you that drive, a fender bender has been in the cards at one point or another. Like my buddy in this case who…


Added by James Dicks on December 15, 2010 at 10:24am — 1 Comment

Pay Yourself First

Fear plays a specific (but different) role in each of our lives. Of course, some of us are more affected than others. But at least to a certain degree, almost all of us experience some measure of fear for our own well-being. As fear relates to money, it is often a motivating force for people’s individual desire to accumulate. The need is not so much for what the money can do now as it is to protect us from unknown forces down the road.

Some people don’t seem to have this instinct at all,… Continue

Added by James Dicks on December 13, 2010 at 8:49am — No Comments

Focus Your Dreams to Make Them Come Alive

Here is one of my favorite mental exercises. Pretend that, for once in your life, you had unlimited money and unlimited time. Don’t necessarily go crazy with your thoughts, but work to eliminate those initial barriers of time and money. What will you be interested in after you buy all of those lavish things you always thought you wanted? What’s beyond the bigger car, the faster boat, and the fancier house? Whatever they are, those are the really important things.

I can assure you… Continue

Added by James Dicks on October 17, 2010 at 9:07pm — No Comments

Principles of Wealth Creation

To accomplish your goal of becoming financially free, you will need to master specific principles of wealth creation. No, these aren’t some magical set of principles we found scratched in papyrus scrolls in the ruins of an ancient temple. They’re contemporary, commonsense principles. At the same time, though, they are magical, because they create the basis for a sound foundation of wealth creation.

You need to be systematic and thorough in your approach to these eight principles. If… Continue

Added by James Dicks on October 7, 2010 at 8:00am — No Comments

A millionaires dreams

Each of us creates our own world, today and tomorrow, by the thoughts and dreams we create. This is precisely why financial freedom is viewed so differently once you get past the dollar number. Our dreams are all different, and that variety is a good thing. Can you imagine how difficult life would be if we all wanted to be doctors?

In order for life to work, we must all be different. We must have different dreams and different aspirations. But this very variety means that these… Continue

Added by James Dicks on October 6, 2010 at 8:00am — No Comments

Dreaming is fun, isn’t it? Part 3

Welcome back.

Follow up to previous blog post.

Once you have actually seen yourself spending and enjoying your newfound financial success, you can move on. Please don’t fudge—OK, let’s move on together. Let’s change your visual focus. Where do you live in your new life of prosperity? What does your house look like? How many bedrooms does it have? Can you see it? If you can see it, spend a few minutes creating details. If you can’t see it, spend a little more time with the… Continue

Added by James Dicks on October 5, 2010 at 8:15am — No Comments

Your rights have been stolen!

I can’t take it anymore, as a United States Marine, I served this great country to protect our very rights that seem to be not slowly but quickly disappearing, at almost an alarming rate. Well enough is enough, I will continue to…


Added by James Dicks on September 30, 2010 at 12:14pm — No Comments

First Step-Using your dreams and goals to create wealth Part 2

To take your first step and set your mind on the course to financial success, you must begin to dream. You must begin to envision the kind of life you desire. For some of you, this will be easy, because you have dreamed all your life. For others, it will be more difficult. Why? Some people simply don’t know how to dream—they’ve never tapped into their imagination deeply enough to let their thoughts run free.

Other people, deep down, don’t believe that they deserve wealth or success.… Continue

Added by James Dicks on September 26, 2010 at 9:04pm — No Comments

Using your dreams and goals to create wealth Part 1

I always wanted to be millionaire. I clearly didn’t inherit this desire, because my parents weren’t rich. My father seemed to work as hard as anyone trying to create lasting wealth as an entrepreneur and I guess by the time he retired he had created a nice little nest egg, but that was his retirement and probably not much more than someone retiring from a big company.

For me, I always wanted freedom. I saw that the lack of money bothered my father.

He felt trapped in a business… Continue

Added by James Dicks on September 24, 2010 at 10:11am — No Comments

Build a Financial Plan “as you see it”

Several years ago, in the best-selling book The Millionaire NextDoor, the authors described the day-to-day lives of contemporary millionaires: what they think, what they buy, their daily habits, and so on. What came through loud and clear was a mindset of success.

Those millionaires next door were recognizable—in other words, in lots of ways, they weren’t all that different from you and me. But they were distinctive in the way they thought about the world, and about their…


Added by James Dicks on September 21, 2010 at 10:07am — No Comments

The Forex Daily Digest – October 20, 2009

The USD began the week under pressure, falling after the Fed Bank of New York released a statement clarifying some recent activity that market participants interpreted as preparation for removing some liquidity from the financial system and boost interest rates. And according to currency analysts, the USD will extend losses as the global economy’s recovery prompts investors to shift away from U.S. assets. The Dow reached 10,092 and gold finished the day higher to close at $1,058.

The… Continue

Added by James Dicks on October 20, 2009 at 8:03am — No Comments


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