Set up a financial goal, get one of the best selling financial books available

I saw this show yesterday and wanted to jump up and call every woman AND man I know of. Usually I disagree with about 80% of what this woman says as far as her get out of debt plans. I think its totally stupid to say "there is always money" when I myself have had to make the choice to feed me or my kids before and I am not alone in any way. I had no internet, no cable TV, no cell phone, I haven't gotten my hair professionally done in over 20 years years, have never had my nails done, I own one pair of shoes, wear my kids clothes, etc. I KNOW at times there just is NOT $10 here or $20 there. Yet this woman that was on the show lost her husband, was in great debt and he left them without life insurance or anything. This spoke to me, not because of the debt part, but I have seen this happen to people over and over in my life. I have helped many people in this situation. We have even had friends live with us free of charge to help them get themselves back on track after a break up, a parents death, their spouse died or went to jail, etc. Unless you have enough money to survive 6-12 months if you were to lose your job, your spouse or any other catastrophe, here are things I feel you must do YOU MUST: Download this book http://flv.oprah.com/suze_orman_eng.pdf English (today only), or here http://download.yousendit.com/32C8176D4FE097FB (for the next 7 days) or here http://pumpupthebass.com/stuff/suze_orman_eng.pdf long as I can Share it with a friend, stranger, post to your blog, but pass the CONCEPT, the knowledge, the idea, the sprout on to another Go to http://www.tdameritrade.com/saveyourself/ *, use code 701 and open you an account. PLEASE DO THIS Most of all, read the book I think these are things you absolutely must do without fail in order to even start to get financially stable MY OPINIONS" I, personally, save money myself and when I reach $100 I try to find something to invest in. I no longer save at my own bank as they charge me to save and the interest they pay me on anything under $1,000 is just truly not worth anything but a rip off. Get you an account somewhere that is 100% free. Although I am unable to save more then $10 a month right now, I still save it I would not advise you to do anything blindly. I think, as in my own situation, to give up your Internet to save $40 a month, unless it means you eat this month or not, lose your home, or something else, it is a must have. Read the book but use your common sense The Internet is the ONLY way I have of reaching the outside world as I am homebound 98% of the time. It is my main source of communication, information, news, its how my kids do homework, how I pay bills, our main source of entertainment, what I use for phone service which saves us $70 a month, etc I also do not suggest you give up something like your cell phone. Especially if you have kids or someone that needs to reach you often. Sure, don't get the phone with GPS and all that, but get a phone. Even a pay as you go phone is good to have. NEVER be without a way to communicate to someone if you are in trouble or have a way for your family to call you These days even cable TV is a must for some people. I know many without a computer, or just not computer savvy enough to use it as I do. After a day of work they relax with TV. They use TV for their news, cartoons for kids, movies to watch with the family and all that. Most often you can not get reception without cable, I know we cant out here. If its going to cause you depression, anxiety, take away from your family in some way, then keep it. These are just some of the thoughts that I have. I have always found a way to save myself or my friends whenever it is remotely possible. I saved over $30,000 on a job that I hardly worked because I was off sick half the time. While others bought their new cars, they toys, filled up their credit cards, I saved in my 401k, I own stock , I had a savings, I paid for all our cars outright, (all but one), I didn't waste my money on $100 pair of shoes and $200 purses or any of that. I was able to keep us afloat 18 months when hubby lost his job. I was able to buy our first home. I was able to help countless friends not lose their homes, get out of immediate trouble and much more. All because my mind has always been on saving for the future and putting money away. Although now I have learned you do NOT do that either unless your own family is secure enough to do it. Still I was able to help a few people off the streets and now they are back at work, taking care of their families and what not. Please do not be selfish and not pass this on. I don't care if you use your own words, have a financial source you know of that will benefit someone in a way you more agree with, please just pass THE WORD ON. If you are doing well, share the information with someone else. Give them something to think about that they never knew about. Just please, for once, do not be selfish. Take the risk and venture into someone else's life and not give a crap about everyone else because you and your family are doing ok. God forbid you are ever in the situation this woman was, I was or 40% America is at one time or another ( *Offer valid for one new TD AMERITRADE account opened between 2/27/07 and 3/31/08, and funded by 12 monthly consecutive automatic electronic deposits of $50 or more. First $50 must be deposited within 30 days of opening account. If you choose to open an IRA, maximum annual IRA contribution amount cannot be exceeded. Please consult your legal, tax or investment advisor for the most recent changes to the U.S. tax code and to see which type of IRA best meets your needs. To be eligible, you must be a U.S. resident age 18 or older. Accounts will be reviewed 12 months from date of first qualified deposit to determine eligibility for offer. Should you need to withdraw the money prior to the 12-month commitment, you may withdraw all of your deposits plus interest earned. However, you will forfeit the $100 bonus. Account must remain open with minimum funding requirements for 12 months in order to receive the $100 cash deposit. If deposit requirements have been met, please allow 4 weeks for $100 cash deposit to post to account. Not all financial institutions participate in the electronic transfer of funds. Please contact your financial institution for more information. Offer is not transferable and not valid with internal transfers, current TD AMERITRADE accounts, or other offers. Limit one offer per client. Taxes related to TD AMERITRADE offers are your responsibility. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Random House, Inc. does not endorse, is not associated with, and has no responsibility for the TD AMERITRADE offer.)   Our Radio Stream = www.pumpupthebass.com

12 Things The Negro Must Do For Himself by Nannie Helen Burroughs

I hate to say this just about the "Negro" race, I find the same true in all including the white race. Although I get the point and understand what it is meant to say. I wont even start to pick this apart. I think it speaks volumes that a WOMAN would write this in the EARLY 1900s and here it is the early 2000s and it can still be so freaking true. I am not sure to cry or pray first.   This one will surely go on the wall for my boys. I am passing this one on to my kids list and pray you do the same  http://www.blackmeninamerica.com/12.htm 12 Things The Negro Must Do For Himself by Nannie Helen Burroughs (Circa Early 1900's) 1.  The Negro Must Learn To Put First Things First.  The First Things Are:  Education; Development of Character Traits; A Trade and Home Ownership.  The Negro puts too much of his earning in clothes, in food, in show and in having what he calls "a good time."  The Dr. Kelly Miller said, "The Negro buys what he WANTS and begs for what he Needs."  Too true! 2.  The Negro Must Stop Expecting God and White Folk To Do For Him What He Can Do For Himself.  It is the "Divine Plan" that the strong shall help the weak, but even God does not do for man what man can do for himself.  The Negro will have to do exactly what Jesus told the man (in John 5:8) to do--Carry his own load--"Take up your bed and walk." 3.  The Negro Must Keep Himself, His Children And His Home Clean And Make The Surroundings In Which He Lives Comfortable and Attractive.  He must learn to "run his community up"--not down.  We can segregate by law, we integrate only by living.  Civilization is not a matter of race, it is a matter of standards.  Believe it or not--some day, some race is going to outdo the Anglo-Saxon, completely.  It can be the Negro race, if the Negro gets sense enough.  Civilization goes up and down that way. 4.  The Negro Must Learn To Dress More Appropriately For Work And For Leisure. Knowing what to wear--how to wear it--when to wear it and where to wear it, are earmarks of common sense, culture and also an index to character. 5.  The Negro Must Make His Religion An Everyday Practice And Not Just A Sunday-Go-To-Meeting Emotional Affair. 6.  The Negro Must Highly Resolve To Wipe Out Mass Ignorance.   The leaders of the race must teach and inspire the masses to become eager and determined to improve mentally, morally and spiritually, and to meet the basic requirements of good citizenship. We should initiate an intensive literacy campaign in America, as well as in Africa.  Ignorance--satisfied ignorance--is a millstone abut the neck of the race.  It is democracy's greatest burden. Social integration is a relationship attained as a result of the cultivation of kindred social ideals, interests and standards. It is a blending process that requires time, understanding and kindred purposes to achieve.  Likes alone and not laws can do it. 7.  The Negro Must Stop Charging His Failures Up To His "Color" And To White People's Attitude. The truth of the matter is that good service and conduct will make senseless race prejudice fade like mist before the rising sun. God never intended that a man's color shall be anything other than a badge of distinction.  It is high time that all races were learning that fact.  The Negro must first QUALIFY for whatever position he wants.  Purpose, initiative, ingenuity and industry are the keys that all men use to get what they want.  The Negro will have to do the same.  He must make himself a workman who is too skilled not to be wanted, and too DEPENDABLE not to be on the job, according to promise or plan.  He will never become a vital factor in industry until he learns to put into his work the vitalizing force of initiative, skill and dependability.  He has gone "RIGHTS" mad and "DUTY" dumb. 8.  The Negro Must Overcome His Bad Job Habits. He must make a brand new reputation for himself in the world of labor.  His bad job habits are absenteeism, funerals to attend, or a little business to look after.  The Negro runs an off and on business.  He also has a bad reputation for conduct on the job--such as petty quarrelling with other help, incessant loud talking about nothing; loafing, carelessness, due to lack of job pride; insolence, gum chewing and--too often--liquor drinking.  Just plain bad job habits! 9.  He Must Improve His Conduct In Public Places. Taken as a whole, he is entirely too loud and too ill-mannered. There is much talk about wiping out racial segregation and also much talk about achieving integration. Segregation is a physical arrangement by which people are separated in various services. It is definitely up to the Negro to wipe out the apparent justification or excuse for segregation. The only effective way to do it is to clean up and keep clean.  By practice, cleanliness will become a habit and habit becomes character. 10.  The Negro Must Learn How To Operate Business For People--Not For Negro People, Only. To do business, he will have to remove all typical "earmarks," business principles; measure up to accepted standards and meet stimulating competition, graciously--in fact, he must learn to welcome competition. 11.  The Average So-Called Educated Negro Will Have To Come Down Out Of The Air.  He Is Too Inflated Over Nothing.  He Needs An Experience Similar To The One That Ezekiel Had--(Ezekiel 3:14-19).  And He Must Do What Ezekiel Did Otherwise, through indifference, as to the plight of the masses, the Negro, who thinks that he has escaped, will lose his own soul.  It will do all leaders good to read Hebrew 13:3, and the first Thirty-seven Chapters of Ezekiel. A race transformation itself through its own leaders and its sensible "common people."  A race rises on its own wings, or is held down by its own weight.  True leaders are never "things apart from the people."  They are the masses.  They simply got to the front ahead of them.  Their only business at the front is to inspire to masses by hard work and noble example and challenge them to "Come on!"  Dante stated a fact when he said, "Show the people the light and they will find the way!" There must arise within the Negro race a leadership that is not out hunting bargains for itself.  A noble example is found in the men and women of the Negro race, who, in the early days, laid down their lives for the people.  Their invaluable contributions have not been appraised by the "latter-day leaders."  In many cases, their names would never be recorded, among the unsung heroes of the world, but for the fact that white friends have written them there. "Lord, God of Hosts, Be with us yet." The Negro of today does not realize that, but, for these exhibits A's, that certainly show the innate possibilities of members of their own race, white people would not have been moved to make such princely investments in lives and money, as they have made, for the establishment of schools and for the on-going of the race. 12.  The Negro Must Stop Forgetting His Friends.  "Remember." Read Deuteronomy 24:18.  Deuteronomy rings the big bell of gratitude.  Why?  Because an ingrate is an abomination in the sight of God.  God is constantly telling us that "I the Lord thy God delivered you"--through human instrumentalities. The American Negro has had and still has friends--in the North and in the South.  These friends not only pray, speak, write, influence others, but make unbelievable, unpublished sacrifices and contributions for the advancement of the race--for their brothers in bonds. The noblest thing that the Negro can do is to so live and labor that these benefactors will not have given in vain.  The Negro must make his heart warm with gratitude, his lips sweet with thanks and his heart and mind resolute with purpose to justify the sacrifices and stand on his feet and go forward--"God is no respector of persons.  In every nation, he that feareth him and worketh righteousness is" sure to win out.  Get to work!  That's the answer to everything that hurts us.  We talk too much about nothing instead of redeeming the time by working. R-E-M-E-M-B-E-R In spite of race prejudice, America is brim full of opportunities.  Go after them!               Our Radio Stream = www.pumpupthebass.com  Catch my show Monday-Friday 5p-7p central US time   You dont need anything special to listen, just tune in to the site at anytime to listen, chat and make requests