Tom Luxsox Coins

Dollar Early

Bottom line. No exaggeration. No hype. If you want to be rich, all you have to do is make a decision to do something that most people don't do. And that's to PAY YOURSELF FIRST.

What most people do when they earn a dollar is pay everyone else first. They pay the landlord, the credit card company, the telephone company, the government, and on and on. The reason they think they need a budget is to help them figure out how much to pay everyone else so at the end of the month-or the year, or their working life-they will have something "left over" to pay themselves.

This, my friend, is absolutely, positively financially backwards. And because this system does not work, people wind up trying some pretty strange ways to get rich.

When you boil it down, there are basically six routes to wealth in this country. You can:

• Win it
• Marry it
• Inherit it
• Sue for it
• Budget for it OR
• Pay Yourself First.

Let's quickly review each of these methods.

Win It: Can you guess the No. 1 way average hard-working people try to get rich in this country? They play the lottery. People in this country spend more than $8 billion a year on lottery tickets. That's more than $250 for every person, including those not old enough to buy a ticket. Can you imagine if these same dollars had been invested in retirement accounts? Now let me ask you something else. Have you ever won the lottery? Do you know anyone who has? Did that person share any of their winnings with you? Exactly. So let this one go.

Marry It: How's this working for you so far? There's a saying that it's as easy to marry a rich person as a poor one. Really? The truth is that people who marry for money generally end up paying for it for the rest of their lives. So let's skip this one too-unless, of course, you really do fall in love with someone who happens to have money.

Inherit it: This obviously isn't worth thinking about unless your parents are rich. And even if they are, isn't there something a little sick about visiting them during the holidays, asking how they are, and then thinking "bummer" when they say, "I feel great"?

Sue for it: This one is big in the United States, where more than three-quarters of the world's lawyers practice and upwards of 94 percent of the world's lawsuits are filed. But Canadians are becoming more litigious too. While Canadians have usually left it to the Americans to sue each other for spilling coffee in their laps or abandoning the wheel of an RV on cruise control, some Canadians feel that, rather than earn, save, and invest, a better strategy is find 'em. sue 'em, and sock it to 'em. In any case, it's not a real system that can be counted on to build wealth.

Budget for it: You can scrimp, brown bag it, clip coupons, track every penny you spend, never have fun, and put off living for thirty years in the hopeful expectation that someday you'll be able to retire and start enjoying your life. Yuck. That sounds terrible. No wonder this rarely works.

This leaves us with the one proven, easy way to get rich. And that is...

PAY YOURSELF FIRST

Pay Yourself First means just what it says. When you earn a dollar, the first person you pay is you. Most people don't do this. When most people earn a dollar, the first person they pay is the government. They earn a dollar and, before it even makes it onto their paycheque, Canadians pay the government something like 30 cents and Americans pay somewhere around 18 cents in federal income taxes (often more). On top of that, for Canadians there's the Canada Pension Plan, provincial health insurance and employment insurance. In the end, they wind up paying the government first as much as 35 or 40 cents of their hard-earned dollar. Seems like everyone is getting paid but the person who earned the paycheque.

The Secret is the Way Your Money Flows

You have a right to legally avoid federal and provincial taxes on the money you earn. The key word is "legally." You can legally Pay Yourself First, instead of the government, simply by using what is called a registered retirement savings plan (RRSP) for Canadians or a 401(k) plan for Americans. You can hold a large number of investments in an RRSP or 401(k).

Who You Work for is Waiting for You at Home

As much as our employers would like us to believe otherwise, the reason most of us go to work each morning isn't the company mission statement or even serving the customer. It's ultimately about us. When it comes down to it, the reason most of us go to work is for the sake of ourselves and our families. We go to work to protect those we love. Everything else is secondary. We are our first priority.

Or are we? The truth is that we are not raised to put ourselves first. We are raised to be nice. We are raised to share. We are raised to help others.

These are wonderful values, and I believe in them. But there's something else I also believe: the old saying that the Lord helps those who help themselves. I think there is timeless truth in this. So before you start laying out a financial plan, really focus on these questions: Are we helping ourselves? Are you helping yourself? Are you REALLY working for yourself? I'm not asking if you're self-employed. I'm asking whether you're really working for your own benefit and that of your family when you go to your job each morning.

Visit InvestorGazette.com today for articles about retirement income planning for the individual investor. The Investor Gazette - weekly edition of investment properties and investment opportunities.

Straits Dollar $65.33 High Quality Content by WIKIPEDIA articles The Straits dollar was the currency of the Straits Settlements from 1904 until 1939. At the same time, it was also used in the Federated Malay States, the Unfederated Malay States, Sarawak, Brunei, and British North Borneo. In the early nineteenth century, the most common currency used in the East Indies was the Spanish dollar, including issues both from Spain and from the new world Spanish colonies, most significantly Mexico. Locally issued coinages included the Kelantan and Trengganu keping, and the Penang dollar. In 1837, the Indian rupee was made the sole official currency in the Straits Settlements, as it was administered as part of India. However, Spanish dollars continued to circulate and 1845 saw the introduction of coinage for the Straits Settlements using a system of 100 cents = 1 dollar, with the dollar equal to the Spanish dollar or Mexican peso. In 1867, administration of the Straits Settlements was separated from India and the dollar was made the standard currency. Author: Surhone, Lambert M./ Timpledon, Miriam T./ Marseken, Susan F. Binding Type: Paperback Number of Pages: 84 Publication Date: 2010/06/30 Language: English Dimensions: 5.98 x 9.01 x 0.20 inches

The Future of the Dollar $27.54 For half a century, the United States has garnered substantial political and economic benefits as a result of the dollar's de facto role as a global currency. In recent years, however, the dollar's preponderant position in world markets has come under challenge. The dollar has been more volatile than ever against foreign currencies, and various nations have switched to non-dollar instruments in their transactions. China and the Arab Gulf states continue to hold massive amounts of U.S. government obligations, in effect subsidizing U.S. current account deficits, and those holdings are a point of potential vulnerability for American policy. What is the future of the U.S. dollar as an international currency? Will predictions of its demise end up just as inaccurate as those that have accompanied major international financial crises since the early 1970s? Analysts disagree, often profoundly, in their answers to these questions. In The Future of the Dollar, leading scholars of dollar's international role bring multidisciplinary perspectives and a range of contrasting predictions to the question of the dollar's future. This timely book provides readers with a clear sense of why such disagreements exist and it outlines a variety of future scenarios and the possible political implications for the United States and the world. Contributors: David Calleo, The Johns Hopkins University; Benjamin Cohen, University of California, Santa Barbara; Marcello de Cecco, Scuola Normale Superiore di Pisa, Italy; Eric Helleiner, University of Waterloo; Harold James, Princeton University and European University Institute; Jonathan Kirshner, Cornell University; Ronald I. McKinnon, Stanford University; Herman Schwartz, University of Virginia

Dollar $6 Dollar - Steve Hofstetter

The Nimble Dollar with Other Stories $18.14 This early work on The Nimble Dollar is both expensive and hard to find in its first edition. Chapters include; A tangled web, A victim of twins and the reward of heroes. Plus others. Many of the earliest books, particularly those dating back to the 1900s and before, are now extremely scarce and increasingly expensive. We are republishing these classic works in affordable, high quality, modern editions, using the original text and artwork. Author: Thompson, Charles Miner/ Thomas, Joseph Brown Binding Type: Paperback Number of Pages: 232 Publication Date: 2009/07/24 Language: English Dimensions: 5.51 x 8.50 x 0.52 inches

Million Dollar Kid - B&W $5.99 The East Side Kids were betwixt and between their earlier roughneck characterizations and their later Bowery Boys buffoonery when Million Dollar Kid came out early in 1944. Vowing to rid the East Side of hoods and holdup men, Muggs McGinniss (Leo Gorcey) and his gang rescue wealthy John Cortland (Herbert Heyes) from a band of young thugs. When it turns out that one of Cortland's assailants was his own son Roy (Johnny Duncan), Muggs and his pals set about to reform the boy. Roy resists the gang's efforts until he receives word that his older brother has been killed in the war. Intending to confess all to the cops, Roy is abducted by his hoodlum friends, obliging Muggs, Glimpy (Huntz Hall) and the other East Side Kids to come to the rescue. The more serious aspects of Million Dollar Kid are leavened by moments of earthy humor, with some of the gags dating as far back as the Fatty Arbuckle era. ~ Hal Erickson, Rovi

A Dollar the Hard Way $29.95 "A Dollar the Hard Way" is a series of stories about the life of a young man growing up and entering adulthood in Southern Illinois during the 1930s and '40s. The book is a gem. Whether he is digging for oil, or searching his soul, Kestner Wallace makes real his early life in the rural Midwest. Each story evokes a time and place gone by, with vividly drawn characters described by a man who is clearly a character in his own right. Whether from the viewpoint of a poor Southern Illinois farm boy, a World War II veteran, a fisherman, or an educator for 42 years starting with one-room schoolhouse days, his stories are notable for both their charming ability to show the lighter side of hard times, as well as their intimate details of historical interest. Wallace's stories have delighted "Springhouse Magazine" readers for over twenty years, For the first time, the full collection is available in one entertaining volume.

$100 Dollar $49.99 $100 Dollar

Dollar Medallion $6.99 Dollar Medallion

Holy Dollar $10 Holy Dollar

Dollar Bling $10 Dollar Bling

Dollar Diamonds $10 Dollar Diamonds

Dollar Lights $10 Dollar Lights

Dollar Bundle $10 Dollar Bundle

Dollar Billz $10 Dollar Billz

Dollar Horizon $10 Dollar Horizon

Fall Dollar $10 Fall Dollar

Love The Dollar $10 Love The Dollar

Matrix Dollar $10 Matrix Dollar

Dollar Bills $10 Dollar Bills