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The Chances Of A Bank Going Out Of Business Are Extremely Slim, But It's Always A Good Idea To Spread Around Major Sums So Every Penny Is Backed By Insurance.

-Suze Orman

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The Chances Of A

Suze Orman

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The Chances Of A Bank Going Out Of Business Are Extremely Slim, But It's Always A Good Idea To Spread Around Major Sums So Every Penny Is Backed By Insurance.

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In January We Start Saving Money, Getting Out Of Credit Card Debt, Funding Our Retirement Accounts, And We're Doing Wonderful. Then, Every Single Year Like Clockwork, Starting In November, All Of You Fall Into This Trap That Says, 'i Have To Buy This Gift... I Can't Show Up At This Party And Not Have Something For Everybody.

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What Happens To Your Money Directly Affects The Quality Of Your Life -- Not Your Stockbroker's Life Or Your Banker's Life, But Your Life.

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I Have Never Been A Fan Of Bond Funds. Unlike A Direct Investment In An Individual Bond That You Can Hold To Maturity And Be Assured You Will Get Your Principal Back (assuming No Default), A Fund Has No Finite Maturity Date And Most Funds Are Actively Traded.

Bad Debt Is Sacrificing Your Future Day Needs For Your Present Day Desires.

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Many Of The Good Things Would Never Have Happened If The Bad Events Hadn't Happened First.

A Cash Advance On A Credit Card Is One Of The Worst Types Of Borrowing Because The Interest Rate Is Typically 21 Percent Or More.

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In Order To Create Lasting Security You Must Learn To Stand In Your Truth.

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Time And Love Are The Most Valuable Possessions You Can Share.

In All Realms Of Life It Takes Courage To Stretch Your Limits, Express Your Power, And Fulfill Your Potential... It's No Different In The Financial Realm.

I Love The Roth Ira. Tax-free Income In Retirement Is A Truly Great Deal.

If The Only Way You Can Build An Emergency Fund Is To Pay The Minimum Due On Your Credit Card, That Is What You Need To Do.

The Key To Making Money Is To Stay Invested.

I Have Always Advocated Doing Everything Possible To Pay Off Credit Card Balances; It's Good Financial Management And The Ticket To A Strong Fico Credit Score.

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Even If You Were To Fall Into Extreme Financial Hardship And File For Bankruptcy, You Need To Understand That Your Student Loan Debt Will Not Be Discharged In Bankruptcy. It Is The Velcro Of All Debts.

Financial Hardship

I Look Around And There Are Needs That People Have. Places Have Needs. These Times Have Needs, And I Have The Education And The Ability To Communicate With It And Help To Solve Those Needs.

True Generosity Is An Offering; Given Freely And Out Of Pure Love. No Strings Attached. No Expectations. Time And Love Are The Most Valuable Possession You Can Share.

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I Get So Frustrated When People Tell Me It's Unrealistic To Create An Eight-month Emergency Savings Fund, Or Have Money Saved For A Home Down Payment, Or Pay Off Their $5,000 Credit Card Balance.

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We Women Know How To Take Care Of Everybody So Well. But The One Person We Have Written Out Of The Equation Is Us.

The Way To Build Your Savings Is By Spending Less Each Month.

Late Payments Also Hurt Your Fico Score. And Never, Ever Take Out A Cash Advance On Your Credit Card.

It's Easy To Underestimate The Real Cost Of Home Ownership.

If The Boss Is A Jerk, Get Over It. First Of All, Don't You Think There's A Good Chance That Your Boss's Boss Knows What's Going On? If So, Just Keep Your Head Down And Do The Work. Usually, If You Put In Maximum Effort And Produce Excellent Results, Someone In The Company Is Going To Take Notice. Either You Will Get Promoted Or Your Jerky Boss Will Get The Heave-ho. It Happens All The Time.

It's Only When We Give To Ourselves As Passionately As We Give Of Ourselves That We Create The Life We Want And Deserve.

We Need To Give People More Of An Incentive To Work, To Save, To Invest, To Create A True Future For Themselves.

The Last Thing Family And Friends Want Is For You To Spend Money On Them That You Don't Have Or That You Can't Really Spare.

Family And Friends

Cash - In Savings Accounts, Short-term Cds Or Money Market Deposits - Is Great For An Emergency Fund. But To Fulfill A Long-term Investment Goal Like Funding Your Retirement, Consider Buying Stocks. The More Distant Your Financial Target, The Longer Inflation Will Gnaw At The Purchasing Power Of Your Money.

Like Your Home's Closets, Your Financial Clutter Needs An Overhaul Every Now And Again, And The Payoff Will Go Far Beyond The Psychic Satisfaction Of Neatening Up.

Never Cosign A Loan. Once You Have Cosigned, You Cannot Get Out Of It - Even On Your Deathbed.

The Foundation Of A Financial Fresh Start Actually Has Nothing To Do With Money Or Specific Financial Dos And Don'ts.

Many People Are Dreaming. Let Me Rent. Let Me Have A Job. Let Me Work Until I'm 70. That's Not What The American Dream Used To Be. It Used To Be, Let Me Own A Home. Let Me Retire At 59 And A Half Or 65 At The Latest. Let Me Do This. And Now, Really, Given What's Happened, Good Luck With Anything Happening Unless You Do It Yourself.

Absolutely Pay Off Credit Card Debt. If You're Not Getting A Match In Your 401(k) And You've Got Credit Card Debt, You've Got To Get Yourself Out Of Credit Card Debt. When You Get Out Of Credit Card Debt, Your Credit Score Goes Up And Interest Starts To Go Down.

I Am A Big Believer That Orderliness Begets Wealth.

One Has To Ask What Is The Goal Of Life? What Is The Goal Of Life? My Interpretation Of It For Myself, A Very Wise Teacher Once Taught Me This, Is To Meet The Needs Of The People, Places And The Times Around You And Offering Those Services To God.

I Have Come To Think That Money Is Very Much Like A Person, And It Will Respond When You Treat It As You Would A Cherished Friend - Never Fearing It, Pushing It Away, Pretending It Doesn't Exist, Or Turning Away From Its Needs, Never Clutching It So Hard That It Hurts. ... If You Tend It Like The Living Entity It Is, Then It Will Flourish, Grow, Take Care Of You For As Long As You Need It.

Thoughtful Financial Planning Can Easily Take A Backseat To Daily Life.

Consider A 15- Or 20-year Fixed-rate Mortgage Instead Of A 30-year, If You Can Afford The Monthly Payments - They May Not Be As High As You Think.

... True Financial Freedom Doesn't Depend On How Much Money You Have. Financial Freedom Is When You Have Power Over Your Fears And Anxieties Instead Of The Other Way Around.

People's Feelings About Themselves Change When They Change The Way They Handle Their Money. Once They Begin Treating Their Money With Respect, Their Self-respect Shoots Up As Well.

Private Student Loans Should Be Avoided At All Costs.

When You Understand That Your Self-worth Is Not Determined By Your Net-worth, Then You'll Have Financial Freedom

Here's What's Interesting About Women. When It Comes To Their Babies, When It Comes To Their Children, They Become These Financial Warriors Like I Have Never Seen Before. They Will Not Turn Their Back On The Battlefield.

If You Have Credit Card Debt And Credit Card Companies Continue To Close Down The Cards, What Are You Going To Do? What Are You Going To Do If They Raise Your Interest Rates To 32 Percent? That's Five Times Higher Than What Your Kid Is Going To Pay In Interest On A Student Loan. Get Rid Of Your Credit Card Debt.

When You Can Be Happy In Your Sadness As You Are In Your Happiness. Then You Know The Key To Life.

They Got Married, They Got Divorced, And Half Their Money Goes Out The Window.

At The End Of Your Life, You Cannot Take A Penny With You. So What Is The Object Of Money If You Can't Take It With You?

Once Your Kids Are Grown And You Know That You're Completely Healthy, Consider Canceling Your Life Insurance Policy.

Life Insurance Policy

To Make The Most Of Your Money, I Recommend Sticking With Mutual Funds That Don't Charge A Commission When You Buy Or Sell.

The Truth Is That You Are Nothing More Than The Custodian Of Your Inner And Outer Wealth While You Are On This Planet. All You Have To Decide Is What Kind Of Custodian Do You Want To Be? Do You Want To Be A Good Custodian Of Your Inner And Outer Wealth? Or A Bad Custodian?

Men And Women Both Have An Equal Capacity To Make Money, But They Want Money For Different Reasons. Men Want Money For Power And Women Want It For Comfort, And Usually Not Their Own Comfort, But The Comfort Of Others In Their Lives.

Remember To Remember Your Power - Everything You've Learned With These Steps To Financial Freedom - And Put It All Into Practice Everyday, Because In The Grand Scheme Of Life, You'll Never Really Know How Things Are Meant To Turn Out Until They Turn Out.

Everybody In America Started To Define Themselves By All These Things They Had Around Them. And All Of A Sudden It Came Tumbling Down. So The Old American Dream Has Died, And That Is A Good Thing.

You Can Have All The Money In The World. You Can Be A Multi-billionaire, But If You Do Not Have Your Health It Means Nothing. Your Health Is The No. 1 Important Thing In Your Life.

Abundance Is In Crucial Ways A State Of Mind.

I Think They've Been Baby Bummers.

Ignore The Annual Percentage Rate When Shopping For A Mortgage.

The Only Way You Will Ever Permanently Take Control Of Your Financial Life Is To Dig Deep And Fix The Root Problem.

Power Comes From Who You Are, Not What You Have, And The Transformation Starts With How You Allow Others To Treat You.

The Mind Gives Us Thousands Of Ways To Say No, But There's Only One Way To Say Yes, And That's From The Heart.

Money Is Such An Amazing Teacher: What You Choose To Do With Your Money Shows Whether You Are Truly Powerful Or Powerless.

People Have Got To Learn: If They Don't Have Cookies In The Cookie Jar, They Can't Eat Cookies.

Money Is The Only Thing You Can Use Even If You Don't Have Any. ... There's Always A Credit Card.

If You Do Not Have At Least An Eight-month Emergency Fund, And You Think There's A Probability You Could Loose Your Job - And It's Not Just Losing Your Job; You Could Be In A Car Accident, Get Sick - Continue To Pay The Minimum On Your Credit Card Every Month. Everything Beyond That Needs To Go To Establish An Emergency Fund. And If You Have An Emergency Fund Saved, Then Fund Your Retirement Account Before Paying Down Credit Card Debt.

It's Better To Do Nothing With Your Money Than Something You Don't Understand.

Money Doesn't Bring Courage, I Learned. It's The Other Way Around. Once I Took That Lesson To Heart, I Began To Rebuild My Life.

Make Yourself Worthy Of Money And Money Will Make Itself Worthy Of You.

Learn How To Prioritize All Your Debt. And Did You Know Student Loan Debt Is The Most Dangerous Debt Any Of Us Can Have?

I'm In A Relationship With Life. My Life Is Just Out There. I'm On The Road Every Day. I Love My Life.

You Must Remember The Value That You Add To Others And Not Just What Others Have Added To You. That's How We Build Self-worth, Which, In My Opinion, Is Just As Important As Net Worth.

Believing You Are Worthy Of Love Means That You Believe I Deserve To Be Treated Well - With Respect And Dignity. I Deserve To Be Cherished And Adored By Someone. I Am Worthy Of An Intimate And Fulfilling Relationship. I Won't Settle For Less Than I Deserve. I Will Do Whatever It Takes To Create That For Myself.

No Well-planned Retirement Should Be Without Long Term Care Insurance. It Is The Very Cornerstone Of Retirement Security.

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