Personal Development Archives ⋆ Prosperous Heart

5 Useful Tools To Manage Money

2014-12-14 By Kassandra 10 Comments

Previous Post: Why I Became an Entrepreneur

My passion in life is to help everyone I can, and the biggest thing most people feel they need help with is managing money. Whether it’s an allotment of all incoming finances to ensure you’re living a balanced life with where your money goes, or giving advice or training on things that can increase one’s wealth, or providing tools to help you achieve financial freedom … I want to provide all of this and more to you.

I am currently reading Tony Robbins’ latest book, Money: Master the Game, and it’s absolutely fantastic! A MUST for anyone. But since I haven’t finished it yet, I can’t give a review about all of the things I KNOW will be beneficial for you.

In the mean time, I wanted to let you know about a few tools I’ve recently heard about. The first one I developed from a concept I learned through someone I greatly admire & has helped so many achieve freedom from debt. The other 4 I heard about when I was reading a Forbes article.

My FREE Downloadable Interactive Personal Finance Tool

This is a tool I created based on the money management system that T Harv Eker explains in his book Secrets of the Millionaire Mind. I have had several people already download it & have told me how much it has helped them. Please be sure to get it for yourself and let me know how it helps you!

Click Here to Learn More About My FREE Downloadable Interactive Personal Finance Tool
FlexScore

This tool is more of a day-to-day tool you can use. Not only is it FREE (they get paid if you use financial institutions on the site, but you’re not obligated to) … but you can kind of look at it like a game.

You’ll put in your information, and the site will give you a score based on how well you act with your financial choices & managing your money. It will also show you how to raise your number, with a perfect score goal of 1,000!

Downsides:
1) You really need to use this tool daily and be sure to input the information so you can actually see how you’re doing.
2) FlexScore doesn’t offer a human adviser to help you reach your goals.
3) No household score, so if you live with someone, are married or have a partner, you’ll each need to have your own.

Click Here to Learn More About FlexScore
Guide Financial

From what I read in the article, this tool sounds pretty handy. It’s expected to give you step-by-step advice on such things as how to save money refinancing your mortgage, find the highest-yielding savings account, choose a retirement plan & more! It will also allow you to search and find if you’ve spent more in one category this month than previously done so you can curb your spending as needed.

You will need to pay for this service, but it’s not a lot.

You also will not be provided with actual investment advice, but this tool will help you visually see where you’re putting your money and help manage a little better.

Click Here to Learn More About Guide Financial
Future Advisor

This one is a DIY online investing tool. You’ll provide answers to a questionnaire that the site will use, coupled with your current holdings, and will tell you what to buy, sell, or hold. Periodically, it will suggest ways to rebalance your portfolio … all of which with the intended result of a highly diversified portfolio with the right asset allocation for you, but without the high cost or low/poor performing ETFs and funds that most investors don’t realize are really just wasting their money.

While this service is NOT free, for the benefits you get the price is phenomenal! ($9 a month for a portfolio under $50k)

With the paid services, you’ll get all of the above, and they’ll also take your existing investments & make the minimum adjustments to get the portfolio you should have.

The premium service ($19 a month) also provides you with automatic tax-loss harvesting! What that means is that they will sell your losses to offset your taxable gains.

Click Here to Learn More About Future Advisor
Financial Guard

This tool is also something you would pay monthly for ($15.95 a month or $149.95 a month) — however what this tool will do for you is it will grade your funds and ETFs on an A-F grade scale. This grading system is based on performance and fees. It will then tell you which ones you should keep, and suggest which ones to buy so your portfolio will get an A.

There are some other pretty nifty perks — be sure to check out their site if this sounds of interest to you.

Possible Issues:
1) From the article I found, this is an algorithm-based system and may or may not be a wise way to go with your investments.
2) The suggestions are not really comprehensive in analysis for your personal, current situation beyond what you input into the questionnaire.

Click Here to Learn More About Financial Guard

I really like the idea behind these tools, and at this point in time I’m simply providing information. I have not yet used these tools myself (except the one I created and shared first).

I’ll be honest – I would definitely get Tony’s new book. It’s the most comprehensive piece of information that allows “the 98%” access to information and services that the top 1% of the 1% used to be the only ones who knew about it.

And as soon as I’m finished reading it, I’ll be sure to let you know which ones I like the best. 🙂

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As always, I like to provide information that will allow you to be prosperous in all forms. The below box has information on something I’m involved in that is helping people earn additional income — some of which were able to replace their income!

Get your information and make the decision for yourself. I would love to work directly with you to help you increase your wealth and prosperity. ^_^

Why I Became An Entrepreneur

2014-12-13 By Kassandra 8 Comments

Previous Post: Social Media Sharing Part 1 of 2 – What NOT to Share

Next Post: 5 Useful Tools to Manage Money

I have a dream … it’s been on my heart all my life, and it will come to fruition because of the decisions I’ve made and will make in the future. Watch the video below to see how my dream affects you!

My Dream:

Create 10 New Millionaires a Year
Help 100 People Become Financially Independent Every Year
Help 1,000 People Each Year Be DEBT FREE

If what I said in my video above pulls at your heart, if my dreams resonate with you, I would love to work with you! Click below for more information on how we can work together to achieve this and SO MUCH MORE!

10 Things to Know About the Bible

2014-12-10 By Kassandra 2 Comments

Previous Post: How to Find Your Passion

Next Post: How to Map Your Kalatu Blog to Your Domain

Let me say this first.

I am NOT a Christian. I am a follower of Christ. The reason I am specifying this is because the term “Christian” has a dirty connotation. Unfortunately, a lot of “Christians” (or at least the ones that are the loudest and in the public’s eye the most) are people who are racists, bigots, sexists, or any number of negative term you wish to coin to them. And the people who have that bad taste in their mouths about Christians tend to claim all kinds of crazy nonsense about what a Christian is, what they believe in, blah blah.

For me, a “real” Christian is someone who follows the Lord’s Law – the 10 Commandments – and what Christ said to do. Because all Christ ever seemed to speak on was LOVE.

“I am giving you a new command: that you keep on loving each other. In the same way that I have loved you, you are also to keep on loving each other.” – John 13:34 (Complete Jewish Bible)

A friend of mine recently came across this article that I wanted to share with you:
10 Things I Wish Everyone Knew About the Bible. (Thank you Peter Enns!)

I’m going to provide his points along with how I feel about them, because (for the most part) I agree with his article!

The Bible doesn’t answer all — or even most — of our questions.

I myself have read the entire Bible all of the way through and came away with more questions than answers. However, I did get some questions answered, so … There’s a plus!

Peter then goes on to say that the Christian Bible is “a story of how Jesus answers for us the biggest question of all: what God is like.” — I can see that. Kind of like a guidebook, especially for those who only focus on what happened in multiple-translated version of the Old Testament.

On that same note, I also know someone who would say otherwise (Scott Ross). I myself do not have the knowledge to refute it one way or another, I just have faith that it’s not just a collection of stories.
The Bible isn’t like God’s version of Apple’s “Terms and Conditions” agreement.

I really liked this analogy and really falls in line with what I mentioned earlier. Because the Lord is about forgiveness. And unlike a conglomerate or corporate T&C, if you break His laws He wants to forgive you if your heart is right. The Bible, when understood, puts God at the heart of our reality rather than ourselves – rather than our ego.
The Bible isn’t a sourcebook for fighting culture wars.

This has ALWAYS pissed me off. Throughout history, people have used their holy books to incite wars and conflict across nations. The Bible wasn’t meant to be a source for people to rise in or gain political power. And what’s more, is that for countries like America, our foundation’s morals were BASED on what was found in the Bible. But our country was founded on the idea of having RELIGIOUS LIBERTY. Freedom to live life as we please as long as we didn’t hurt anyone else. And yet we have political parties and figureheads trying to use the Good Book to spearhead their own agenda.

FOR SHAME.
The Bible doesn’t guarantee “success in life.”

I’m not sure I completely agree with this one. I’m a bit torn. I truly believe that if you follow the Bible and what it teaches about love, patience, kindness and the like … how to treat people … how to guard yourself … how to invest … Then you WILL be successful in life. But people don’t know these truths. They don’t know the ancient Jewish Wisdom that Rabbi Daniel Lapin teaches. They don’t do their own research. And sometimes they just don’t adhere to what they know.

So yes, it doesn’t GUARANTEE success in life. But so many books on success and business (How to Win Friends & Influence People, Think & Grow Rich, As A Man Thinketh just to name a few) have used the Bible as part of their creation or have mentioned it. So I cannot say in good conscience that the Bible “isn’t a step-by-step guide to success” as it were … But I can definitely agree that “there are deep secrets for being happy, healthy, and rich. It is a book that shows what dying to self and surrendering to God are about. The Bible crushes our egos.”
The Bible is open to multiple interpretations, not just one meaning.

I agree, and because of this it also helps lead to #3 (unfortunately). It also doesn’t help that the original texts have been translated many times over, multiple groups have moved or changed things around, etc. However if you follow ancient Jewish wisdom ………… (another blog or so for another time)
The Bible invites debate.

Due to #3 and #5 … Kind of speaks for itself, doesn’t it? However one must study it and seek advice from those who might be able to shed more light in order to integrate it into your life. And as Peter (the article’s author) states:

“The back-and forth with the Bible, and with God, is where deeper faith is found.”
The Bible doesn’t “record” history objectively but interprets it.

Yeah … Not sure how I feel about this one, either. But during my time in college I did take a course to explain the Bible as per the times it was written, so I’m inclined to agree? Just as the victor of history writes the history books, Peter explains that the Bible was written as an interpretation of the past as was “in their place and time, for their own communities, to answer their own questions of faith.” Which could explain why some of the “stories” in the Bible seem to differ.
The Bible was written by Jews (and at least one Gentile in the New Testament) in ancient times.

Coupled with #7 – this makes sense. As per Peter: “The biblical writers were ancient writers expressing their faith in God using the vocabulary and concepts of their ancient cultures.” And what’s interesting about people is that we try to explain things away using our own understandings of our own current time, politics, and whatnot. But when we impose upon the Bible our own language and concepts it becomes distorted … And leading to earlier points discussed previously.

In this same regard, I also know a few people who would argue this, but again, I do not have the knowledge nor understanding that they do so I cannot speak on it at this time.
The Bible isn’t the center of the Christian faith.

Until reading this article, I would have disagreed … What’s funny, is that I’ve actually agreed with this statement my entire life. Because if this were so, “Christians” wouldn’t act the way most people believe them to all act. Yes, some part or parts are used in the life of the church. But the lifeblood of the church should be God, or as Peter puts it so eloquently: “what God has done in and through Jesus. The Bible doesn’t draw attention to itself, but to God.”
The Bible doesn’t give us permission to speak for God.

This is something that has ALWAYS bothered me about the Catholic faith. Unless one has a lot of wisdom, humility, and an ability to discern … I find it hard to believe someone would be able to SPEAK for Him. For Christian growth, the Good Book is vital but we as fallable humans do not always see clearly — especially when emotions are involved. But as mentioned earlier, there are several things we can learn from. For example — in many instances within the Bible, it basically says, “Before throwing stones at someone or pointing out the speck in someone else’s eye, you should look to yourself first and clean your house.” Yes – that is a butchering of several points, but basically “what we learn of God in the Bible should always be first and foremost directed inward rather than aimed at others” … it just makes sense.

And that’s it in a not-so-short nutshell. Peter’s article was wonderfully written, and I just wanted to share the main points with you today. I hope you enjoyed it, and if not I hope you at least learned something. 🙂

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As always, I like to provide great content to you as well as ways to increase your wealth. If you own a business but don’t yet own a blog, you’re basically homeless on the internet. And if you use a blog but it’s a free one — why not get paid to blog?

Click on the image below for more information on how you too can be paid to blog about your passions and help others in the process.

How To Find Your Passion

2014-12-09 By Kassandra 4 Comments

Previous Post: 3 Favorite Quotes from Zig Ziglar

Next Post: 10 Things to Know About the Bible

I am an entrepreneur. I love people. I enjoy finding solutions to people’s problems. The biggest issue most people have is that they don’t know what they’re passionate about.

When I ask someone about their J.O.B. (just over broke) they usually say something like, “Oh I love my job / the people I work with / what I do” … But usually if you ask that same person, “Would you still do what you do if you weren’t paid to do it?” I usually get a “HELL NO!” with that … Which usually means you enjoy or are comfortable with where you’re at and what you’re doing, but you’re not PASSIONATE about it.

Often times, when I ask my friends, “What are you passionate about?” I get a blank stare or an “I don’t know” … And that kills me, because I’ve been there.

For years, I had no clue what I was passionate about … I just knew that I was making plans and mapping my life out so my future children would never have to worry about money like I did when I was growing up.

But through the work I’ve done as an entrepreneur – through the trainings and events I’ve attended for my home businesses – through being around the people and the thinking that out-thinks me? I’ve found what I’m passionate about!

I’m passionate about helping people eliminate their debt. About finding ways to increase their wealth. About teaching people things that will empower them. And I’m working towards building a life to where I am time and financially free so that I can do that as my “full time job”.

But the biggest hurdle I faced was that it took me several years to finally figure that out! You’d think it would have been something I always knew in my heart was my passion … But it was something I didn’t think would earn the income I wanted for my future children. It was something I just did every day without thinking. But the thing is, when you follow your passion, the money will follow you.

I know this to be true, because I have met people who have the same passion I do and are now living an abundant life! And all of my successful friends and mentors always say:

“Find someone who has what you want and do what they do. In school they called it cheating. In business they call it modeling.”

Through my businesses, I’ve made several friends over the years. In my most recent venture (wherein people are earning additional income blogging) I have met several people who are leaders and are full of a wealth of knowledge to help others achieve their passions and goals. One of which is a fellow blogger Ellie Walsh, who inspired me to write this particular blog based on one of her own posts.

In that particular post, she mentions that she shares that she read several books about finding your passion that never really helped her. But once she redefined “passion” to be a feeling and not a destination (or life path), she realized that PASSION was about getting to know yourself better.

The thing is – we’re not really taught how to get to know ourselves … As Zig Ziglar has said, “We were born to win, but we are programmed to lose.” And it’s true! As I mentioned before, I chose my career path based on how much money it would make me … Based on the old belief that I needed to get good grades so I could go to college, get a degree, and get a well paying job.

For me? I enjoy my job most days … I enjoy helping resolve people’s issues and learning new technology … But it’s extremely stressful! And if I wasn’t going to be paid for it, I would definitely not be doing it …

Fortunately, I was very blessed to find something I am good at, that pays me well, and that I enjoy (for the most part). Unfortunately, most people do not have the same luxuries that I do nor the same opportunities that I had. And for most people, they stay in positions that they may not only dislike (on any number of levels) but may also not pay them what they’re worth all out of FEAR of the unknown, FEAR of failure, and FEAR of losing a “secure” job (that they could get fired from at any moment anyway).

After almost constantly stressing about my position, and then watching Stress: The Silent Killer … I knew something had to change. I wasn’t happy (really). I wasn’t feeling fulfilled. I didn’t have enough income to do what was in my heart, and I didn’t have the time to follow any dreams I did have outside of my chosen career path.

I was sick and tired of being sick and tired.

And then one day a friend of mine introduced me to an incredible network marketing company in 2010. The product was incredible, the people were phenomenal, and it was something that could help me get out of the rat race.

It was my first taste of being an entrepreneur — and I was hooked.

And that’s when the Law of Attraction began to work in my life in my favor … Not only through the people and trainings did I become aware of it, but my mind began to change through the personal development I did outside of my business.

And although it took me longer than it did for others, it is my race and I found the finish line for me.

Which is why I agree with Ellie in that you don’t find your passion, your purpose in life, until you have self awareness. Up until I started doing these things (pursuing interests outside of my originally chosen career path, surrounding myself with intelligent & successful entrepreneurs, working on personal development, etc) … up until then I was just moving through life, working my butt off living paycheck to paycheck … Barely scraping away at the debt I had incurred from going to college and having a medical issue in 2012.

“It is not so much about what you are doing on the outside … it is about what is going on within your insides. It is all about living life from the inside out – when you have that awareness … living your passion is not difficult.”

I couldn’t agree more, Ellie!

Now I’d like to provide you with the information Ellie so graciously provided on her blog post … It is a process called “Fulfillment Needs” created by her friend Michael Losier. It is meant to open up your self-awareness and open the doorway to your passions, and out from her amazing heart she created a video series of this process:

Watch these videos, follow the process, and let me know of your journey by posting in the comments below! I’m going to let Ellie know that I’ve shared this with you so she can also be blessed in knowing how her video series has helped you become aware of your passions.

And if you’d like to know how Ellie, myself, and so many others have the potential to earn money while blogging about our passions, click on the banner below!

Lessons I’ve Learned From Taylor Swift

2014-12-08 By Kassandra 1 Comment

Previous Post: Law of Attraction (LOA) & How It’s Working In My Life

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I’m sharing this today for several reasons …

Today I purchased Taylor Swift’s latest album … I’ve followed her ever since her Tim McGraw album. I’ve seen her grow from a sweet, starry-eyed, young girl into the beautiful, charismatic, intelligent strong woman she is today.

I have such admiration for her, and the more I learn about her, the more I want more of her in my life. Here’s why.

She goes for her dream – doesn’t let anyone or anything keep her down or stand in her way.
People continue to rag on her, say things like she’s “got nothing in her brain”, that she “can’t keep a relationship”, and all kinds of other ridiculous nonsense. Haters will hate … And at least one song on every album I’ve heard has basically said, “Don’t worry about the haters. Be you. Love. Live.” That’s why I absolutely love her “Shake It Off” single from her 1986 album.
She’s gone from a sweet, young girl with an innocence in her stories to a mature young woman with a story to tell that anyone can relate to.
She’s talked about love, heartbreak, growing up, school, and overcoming obstacles. And even when she’s sung about the same or similar things, they’ve still grown and touched different aspects of the same content, so it’s still not really the same story retold.
She is a role model for young women (really anyone) to look up to. She’s come in to her own.
She stands for what is right. Helping, not hurting. Love over pain and anger.“Even if it ends badly, it’s worth it if made you feel something – it taught you something.”“If you’re lucky enough to be different, why change to be the same as everyone else?”

“Words can break someone into a million pieces, but they can also put them back together. I hope you use yours for good, because the only words you’ll regret more than the ones you left unsaid are the ones you use to intentionally hurt someone.”

She even has helped me re-envision what I feel is the definition of a feminist.

https://www.youtube.com/watch?v=4_QWyxjk9WA
Her fashion has grown as she has matured, and has also helped bring back fashion of old.
Her music each has a story to tell, a lesson people can learn from.
She can have fun, learn to laugh at the things people try to bring her down for, and keeps people guessing.

Taylor’s voice became public originally through her music. Since then, it has grown and gained momentum from her being the amazing woman she is as well as her publicity.

While I would love to be able to follow in her steps and forge my own way in the music industry, I can still express myself through blogging and making videos — just like you!

There are multiple ways of having a voice online. So why not get paid to do it?

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FlexScore

Guide Financial

Future Advisor

Financial Guard

The Bible doesn’t answer all — or even most — of our questions.

The Bible isn’t like God’s version of Apple’s “Terms and Conditions” agreement.

The Bible isn’t a sourcebook for fighting culture wars.

The Bible doesn’t guarantee “success in life.”

The Bible is open to multiple interpretations, not just one meaning.

The Bible invites debate.

The Bible doesn’t “record” history objectively but interprets it.

The Bible was written by Jews (and at least one Gentile in the New Testament) in ancient times.

The Bible isn’t the center of the Christian faith.

The Bible doesn’t give us permission to speak for God.

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