Please feel free to visit these webpages and download your copy of The No Budget - Budget and the 100% Candidate Assessment Test.

The No Budget - Budget is a very short and sweet way to get your finances under control. If you want to be prepared for a stable and successful financial future, then don't pass up this free information.

The 100% Candidate Assessment Test will enable hiring managers to use a simple test to "grade" candidates based on a set of criteria. This "point system" is easy to use and about as fair as any system can be. Follow the 9 criteria and grade the candidate. That is all it takes!

The Millionaire Minute

Let's explore what I call the Millionaire's Minute. If I could show you a simple one-minute exercise that you performed every time you spent money…that would almost guarantee you'd become a millionaire… would you do it? Let's examine a typical money event.

Average people go to the store to buy something. They are in a rush, running late. They quickly snatch up the desired item without comparing prices. While they're waiting in the check out stand they see a few impulse items they pick up. They pay for the items but don't record the event because other people are waiting in line and besides, they're running late. They rush off a day late and a dollar short.

Millionaires, on the other hand, take a few extra steps, which take less than a minute. First of all, before they enter the store they decide only to buy the planned item and nothing else. Life is full of things to buy. They can't allow their impulses to derail their decisions or to control their life.

Then, they spend a few extra seconds to compare prices and pick up the best value. If appropriate, they locate a sales clerk and ask if there is a possibility of obtaining a discount in price. They make a quick mental calculation of their savings. This makes them feel good. Then, they take the item to the check out stand. Once again, they are not sidetracked by impulse buying.

They select one of the three methods of payment: cash, credit card or check. They exchange the money for items, collect their receipt, examine it for accuracy, and put it in their wallet or purse for filing later. Then, they make the most important step…they record the event by writing down the purchase, determining which category of spending it was made in, and calculate the remaining balance in their account. Later, they file the receipt in a well-organized manner for easy retrieval.

On average, the millionaire spends about one extra minute per transaction than the poor person. But look at the savings in time and money. The millionaire saves from 10-20% in comparison-shopping. (What if you could lower your annual spending by 20% without a lot of sacrifice?) Then, by investing an extra minute to record the transaction and to file it properly, they have at their fingertips a vast source of information.

They know their account balances. They can compare their spending to previous months and notice trends. They are more aware of their actual spending-which gives them much greater control of their finances. They can calculate their tax consequences in minutes not days. They can back up their tax decisions with instant documentation. Heaven forbid-in case of dispute, they know where, when and how they spent their money and have the receipts to prove it.

The average millionaire is always in control. And the resulting peace of mind creates a feeling of power. This increases their confidence, creativity and judgment. This is what makes them capable of fast, correct, decisive decisions. This is the secret millionaire's employ. This is how they protect themselves. This is the Law of Survival in action!

The strategies that have this law built-in - here are some hints you can use in your every day life to better yourself. From now on, every time you spend money, take an extra minute to do these simple things, to protect your finances:

Plan your needs and procrastinate your wants.

Shop for value.

Ask for, and expect a discount.

Examine your receipt. Categorize your receipt. Actually write a number from one to ten on the receipt…so that you mentally decide which area of your life you are spending money on.

Balance your accounts…whether it's cash, check or credit card.

File your receipts when you get home.

It's simple. Get ten manila folders and number them from one to ten. Don't throw your loose receipts into a shoebox. File them daily. This will get you in control of your finances in a few short weeks. Now, there are a lot of advantages of doing it this way…

The above article on "The Millionaire Minute" was reprinted from a seminar given by the Robert Allen Institute on "How To Become A Millionaire".

NOTE: Additions are included with this E-Newletter for you to download. Please see 100% Candidate Assessment Test and The No Budget - Budget.

Also, check out Why Recruiters Are Worth What They Charge.

Joanne James

Editor

Websites: www.bestinsurancejobs.com and www.bestbankingjobs.com

Phone: 954-473-0092

Fax : 954-473-9438

Email: Jan@bestinsurancejobs.com