sandfinkni的部落格

AOL. Pressmaster/Shutterstock Six essentials that I call the Six Circles of Wealth operate in conjunction to provide long-term and rock-solid wealth. And an optional seventh provides a huge bonus. The six are positive cash flow, investments, guaranteed income, liquidity, long-term care and your legacy. The seventh is business ownership and the eventual sale of the business. We will break down each area for the next seven Wednesdays. The Flow of Cash A positive cash flow simply means that you have more income than expenses month after month and year after year. It is not gross cash flow (although the more you bring in, the better off you generally are), but net cash flow. Say you and your spouse have a gross household monthly income of $9,000. After taxes, Social Security and the other mandates, your combined adjusted gross income is $6,000 per month. From this adjusted gross come out all your expenses, such as housing, autos, utilities, saving for retirement, groceries and entertainment. This example yields $800 net positive cash flow. Take 45 minutes and add up all your income and all your constant expenses and see how positive -- or how negative -- you are every month. Set aside 5 percent of your income (out of your checking account) for unforeseen expenses, such as the hot water tank blowing up or the roof leaking. It has been said that life is just one darn thing after the other, so plan to have a cash reserve for them. If you determine your cash flow is negative, then the first thing you should do is anything that gets your cash flow positive. The best and fastest way to do that is to cut your expenses. My fellow DailyFinance contributor Brian O'Connor has written a series of articles on how to save $1,000 a month . I recommend you read these and pick out a few gems you could use. Make More Money The next step is to make more money. This is the greatest time in history to start a simple small business from your home. You could also plan for a new job and maybe even a new profession. Or you can make more money in your current job. Before you ask for a raise, spend the next 90 days and make yourself more valuable to your boss and to your team. Your pay is very much associated with how much value you really bring to the table for the employer. adsonar_placementId=1505951;adsonar_pid=1990767;adsonar_ps=-1;adsonar_zw=242;adsonar_zh=252;adsonar_jv='ads.tw.adsonar.com'; Your boss and coworkers do not care that your cash flow is not good. They only care what you can do for them, so prove you can do more and should be paid accordingly. It has been said that most employees do just enough not to get fired, and most employers pay just enough so you won't quit. Make a commitment to yourself that you will go the extra mile at work. Start by checking your attitude and monitor self-talk at all points during the day. You hate your coworker? Find things you can like, focus on those points and build a bridge to your coworkers. If you do this for the next 30 days, you will change for the better -- and your boss will notice. Follow through hard for another 60 days and really change people's perception of you to an integral part of their operation. Track all the extras in your journal. Now Is the Time to Ask for Your Raise Set up a time to speak with your boss and come into the meeting and say how excited you are to be with the company and how much you like working on whatever you are doing. Now ask for your raise based on the last 90 days. Ask for more than you think you will get, but only you can know how much that figure is at your company. Many times you will walk out with that raise, and if you don't, ask your boss if you could have another meeting in 60 days to review. During that 60 days, become more valuable and keep asking until you get your raise. If it does not happen, start a job search for another position with the company. This would also be a good time to start working on your own small business. A strong positive cash flow is the first requirement for creating wealth and a fantastic future. So look hard at your expenses and your income and work at increasing your positive cash flow. John is the best-selling author of " The Perpetual Wealth System ." Check out this week's featured video . Filed under: Personal Finance , Professional Development , Financial Education 6 Absolute Necessities for Acquiring Long-Term Wealth originally appeared on DailyFinance.com on Wed, 02 Apr 2014 11:24:00 EST. Please see our terms for use of feeds . ? My DailyFinance SettingsPlease select the following settings for your "My DailyFinance" quick view:My Portfolios Always ShowNever Show Auto OpenClosed Savings Challenge Always ShowNever Show Auto OpenClosed Recommended Articles Always ShowNever Show Auto OpenClosed My Articles Always ShowNever Show Auto OpenClosed Save ChangesCancel U.S. Most U.S. U.S. The 11GH/S HexFury Will Is The Latest In Low-Power ASIC Bitcoin... More from TechCrunch FAQ Site Map Search Site Apps RSS Videos Feedback AOL Money & Finance. © Copyright 2014 AOL Inc. All Rights Reserved NYSE, NASDAQ and NYSE MKT data delayed 15 minutes. Real-Time prices provided by BATS. Market data provided by Interactive Data. Powered and implemented by Interactive Data Managed Solutions. Acls algorithms 2012 pdf Cigar ring guage Black and white psp tubes Jab comics ay papi Melbourne cup radio perth Bentley collectible ebay Knickerless women pictures Blackberry ascii art Free weight watchers food points list 2012 Delete a single call on iphone without jailbreak Viagra and champagne combination Brent corrigan soccer boysrent corrigan soccer boys Talking dirty to my boyfriend through textsalking dirty to my Blank map to label continents and oceans Madness interactive mod revenge Best mason jar crafts 5th grade level science experiments Free learning styles inventory for kindergarten students Lime green zebra bed set full Welcome speech for usher anniversaryelcome speech for u Good questions ask residency interview Sample biography outline Badminton team names Tmale physical exam video female doctor My dns code wont work with netflix Craft ideas for joseph in egypt Narrative writing plans second grade Vitreolent eye drops for sale Dog knotting girl video Free patterns shirt with cap sleeves Top dating headlines Bme pain wars video iphone 1 pot meth-making My cvs .com Anderson cooper achievement Fotos gratis de panochotas Vocabulary level h review units 1-3 Free nx card code generator Is it safe to take expired cough medicine Interactive ouija board game Monster energy price strategy Descriptive essay about something that stuck with you Crochet patterns doily ebay Free wild coins hack Galaxy s3 remove backup assistant plus 2 months notice apartment Marine girlfriend sayings General power of arabic attorney in arlington va Buy alprostadil cream online Draw pictures graphing calculator using functions Best really short quotes Malham walking routes Boss ne choda Car repair recommendation letter Free std clinic dallas Jack rourke predictions 2013 Medical assistant cover letter with no experience examples Letter of recomendation babysitter Catagories to judge a christmas decorating contest Bible verse for pastor appreciation Create your own bmx bikesx Gold codes activation Azithromycin for earache Abstract noun lesson plans Alexis may pregnant Pm benchmark form Sadlier oxford unit 3 level g answersadlier oxford unit 3 level g Getting pussy in a popup camper Troll emoticons for skype Free form intent to purchase How to draw hailey in graffiti Examples of cover pages for resumes about medical billing and coding Tda form 638 for volunteer award bullet examples List bible verses for loyalty Tdares to ask a guy over text Coupon code zoosk.com Elite taxis socks Great songs to dedicate Multiplication color by numbers Donkey show youtube Azumanga daioh the druglord game secret code Greenville county detention center inmate search in sc Cover sheet for wordpad Igo one direction full episode online Vuelos desde florencia Cefuroxime sodium sterile msds Seek bang Shawl collar bolero Mental health nursing report A clockwork orange clips Belly tickle guy Black history month printables for students Wellbutrin xl and paxil Gage golightly bikini picturesage golightly bikini Gazebo birdfeeder plans Mame roms file missing Mamas teniendo sexo con hijos free Copy of practice test for ontario ged Toxycodone street price 2012 Neuropsychological for 14 year old How to request proof of payments template Display symbols for myspace Birthday anscii art] Creative gifts for 6 months anniversary Dog knots men German boy naturists My mum masturbated me Free watching groping vedio Herbert clutter crime scene A cover letter sample for un Crochet ribbon necklace How to hack black ops 2 on xbox 360 Class vice president speech examples Rockport shoes resole Lds ward newsletter template Woman on woman jerkoff Hibiscus cake stencil Los culos m s grandes Patchwork quilt toronto rotary blade sharpener Irregular heartbeat sounds German shepherd male vs female temperaments 2 guys one sandbox guys one sand Sobering up from lsd Bible scriptures on traveling How to get a fake ultrasound picture online Descudos de famosas Ibuprofen 800 markings Father and son both jacking off Cyber bullying statistics bar graphs How to cure toenail fungus at home Virgo guy likes you Risk assessment for tactical road march Valentines day in london viagra Generic wellbutrin complaint Dual water solenoid 3.8 mustang exhaust Example of block lesson plans Good sexting conversationsood se Westinghouse 40 led costco Funny volleyball team names Lance armstrong filippo simeoni Target for alcohol advertizment Girl gets knotted on video China obrian nip slip Neurontin and multiple sclerosis Pm training online Chart criminal justice career path Bionicle matoran escape A valid serial number for acrobat pro 9 John rocker married Medical assistant elevator speech How to make a key tf2 Consuelo duval in a thong Church letter membership withdrawal Chakra scarf patternv Los shakers break it all Kabloom norwood ma 2012 plympic swimsuit mishap I killed him because i loved him declamation Mesa elementary schools Not sex tude Fkk lover password Love theme from the godfather sheet music How much on the streets would a 20mg tabs adderall go for 2013 Criminal justice ethical issues Nursing care plan for hip arthroplasty Human bingo questions template Harvestore silos for sale Generate for slaves bdsm Tkeno results victoriaeno tesult of v 2013best fat burner walmart Answer to nims 701 Oklahoma state facts Free starbuck resume Best of omegle video Helping mom masturbait Fema 100a test results Tylenol 3s with methadone Zeb atlas on swimming Mission hills community hospital The game of life kindle apk Untouchable hackz Military counseling violation of article 112a Character cheats for heart gold Jerking off in barerking off in bar Ingredients in simvastatin tablets Clomiphene citrate take Fluoxetine bone loss Malayalam hot film How to bypass prankdial.com Love heart xbox bios 40th birthday wishes to son Nissan financing phone number Free 2011 word calendar blank printable calendar templates Weight loss and holiday funny team names Homophones list grade 3 Michelle from southern charms How to make a jade dynasty private server How to make banh gio Angel blade episode 1 english sub