There is a wealth building tool you are probably not paying enough attention to, and while you ignore it, the opportunity to benefit from it is quickly passing away. So today, I want to share with you a secret that you need to focus on if you want to create wealth for you and your family for generations to come. This wealth creation secret is real estate.

Perhaps you recall your grandparents saying “now that you have a job it’s time to buy land.”

Unfortunately, we did not heed their advice and decided to buy cars instead, because it provided instant gratification and recognition from our friends that we craved with our new and seemingly endless pool of money...

Without question these are very stressful financial times and I am sure that not a day goes by without you being aware of the uncertainties of the world’s economy. So how do you avoid being swept up and overwhelmed by what happening around you. Well here are seven things you can do to cope better with your financial stress and improve your financial health.

Don’t sweat it! This is easier than you think. Just by simply avoiding the noise in the market place you would be surprised at how your stress level will drop. So for the next week get out of the daily news circle and experience the difference not being constantly bombarded ...

When it comes to your retirement you need to know its dirty little secrets and lies and what to do about them if you are going to have a successful and fulfilling retirement.

I have a two questions to test your “Retirement literacy.” Let’s see how you do answering them:

1. What Is Retirement?
2. What Does It Take To Have A Successful Retirement?

It is not surprising these days to hear about persons' being offered and receiving early retirement packages from employers. This is just one of a number of restructuring and downsizing method used by the corporate world to cut cost. And you will more than likely see it used in the restructuring exercise at The Broadcasting Corporation of The Bahamas.

So whether you are a part of the private or government sector it is something you had better get used to it.  And that is why it is so important that you- fully understand what you are getting before accepting an "Early Retirement"package.

There is no question that in these uncertain economic times, that the one thing you need to do is  protect you and your family against financial ruin,  is to be able to not only control your income but to increase your income.

But in order to do this you must overcome one of the most difficult barriers that is blocking your pathway - your job!

No I am not suggesting that you quit your job as that would be a foolish thing to do, but I am asking you to take a serious look at how you are earning money to see whether you are doing an efficient job at earning money.

Think about how you usually earn money. You get a job that offers you a fixed income for working 40 hours a week...

You may recall reading my article “Financial Planning - Three Thing You Can Do To Recession Proof  You!  In it, I stated that there are three things that you can do to recession proof you. They  are:

Cut Spending. Increase Income and Optimizing Spending. And of these by far the most effective one for recession proofing your finances and allowing you to really achieve financial independence and live the life you want is increasing your income...