Credit Cards & Update & Extra Income!!!

I am sitting in a Starbucks in St. Louis, MO getting ready to teach THREE RETHINK MONEY LIVE EVENTS IN 24 HOURS!!!!  I am going to be worn out but I love it!  I am in a McDonald’s drinking a cup of their coffee which isn’t that bad…  I have a question. 

Are Credit Cards bad?  To me credit cards are not in and of themselves BAD.  I don’t believe in charging on credit cards and not paying the balance but I know a ton of people from  my classes that use credit cards and pay off the balance each month.  In that case are credit cards bad?  I have my opinions on this but I want to hear from you.   

Question for you guys — Which of the following are the problem: The Credit Card or The Person who uses it? 

What are your thoughts? 

UPDATE: 

I have been going like CRAZY!!!  Last week I spoke to a group of interior designers who really enjoyed the ReThink Money LIVE event.  It was so funny speaking to like 30 women and 2 men.  We had a ton of laughs and learned a lot together. 

Yesterday, I spoke at a church in Hamilton Mill, GA.  R.D. and Shelly Saunders are the leaders of that church.  They are AMAZING people and they have a great church.  I think the most surprising part of yesterday was how many different nationalities they have in their church.  It was great to see that.  I will be back in a few weeks to teach ReThink Money LIVE! 

I just got my first set of curriculum back from the printer.  OH MY WORD!!  It looks amazing.  I just keep looking at it! 

Extra Income:

We are going to be training 15 associate trainers this fall.  Do you have an interest in being a ReThink Money Associate Trainer?  You have to be passionate about helping people change their lives one dollar at a time.  You have to be able to speak in front of people without passing out!  This job can be done as a secondary job for extra income.  Let me know because this fall I am going to train you guys to be ready for the new year!  One of core values as an organization is Rapid Multiplication!  Let me know if you are interested!     

You can contact me at: cgraham@rethinkmoney.org

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Funny

I think it is hilarious that I am speaking at an event that is held for interior designers this week!  I will be speaking to them about the importance to financial health in this economy.  The room with be made up of 100% women!  I can’t believe I am able to do this for a living. 

Question:  ReThink Money is working with businesses, school systems, and churches… Are there any other groups that ReThink Money should consider helping in this down economy? 

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Risk

I believe in taking risks financially.  Most financially conservative people will disagree with me on this but I don’t care.  I believe in taking risks with money.  Here is why… 

Little risk, little reward. 

Great risk, great reward.

So what areas can you take risks in?

1.  Take risks with investments

I think you need to leverage some of your money into investments that produce returns.  The LEAST risky way to invest is to put money into a savings account at your local bank.  I don’t think it is wise just to let your money sit and not gain much interest.  If you are going to store it away at least put it in a mutual fund or something so it can grow.  I believe taking some risks with real estate is good as well.  I really enjoy investing in real estate.  I don’t know why, I just do.  It is fun to learn about that industry.  The point is just to make sure your money isn’t just sitting around doing nothing.  Take a risk.

2.  Take risks through generosity

One of our organization core values is Ridiculous Generosity.  We believe in giving a lot of money away.  Why would we do this?  WE CAN CHANGE THE WORLD THROUGH GIVING.  Keeping money can change our lives, giving it away can change the lives of others.  This is a big risk.  When you give it away you don’t get any financial return.  When you give you get return that is priceless: lives changed.  Make sure you take the risk and give money away.

Any other areas you see fit to take risks financially?

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I Totally Disagree

Read this article I am linking to!!!  I totally disagree with it.  Why?  I see people change their lives EVERY DAY OF MY LIFE!  This article is the OPINION of someone who thinks that financial education doesn’t work.  It makes me sick to read this because it couldn’t be further from the truth.  I have story after story of people who have changed their lives because of financial education! 

My friend Joe Sangl will probably get fired up about this as well!!!  By the way everyone needs to buy Joe’s book.  It is a great read.  Joe is seeing life change all around the country as well.   

Read the article here and let me know your thoughts.  Do you agree or disagree?

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Today

I rarely post about what I am doing on a specific day.  Let me give you a run down of my day:

1.  Quiet Time from 6:30 - 7:30

I have to have time during my day where I will stop and clear my head.  I am so driven that if I don’t have down time I will explode.  I literally start seeing double without this time in the morning.  This morning I thought about a couple of Bible verses, I sat in silence for a while, and I then read a little bit in a leadership book called Breakthrough Companies. 

2.  7:30 - 8:00 - Family exit

It takes me a little while to leave my family in the morning because I like to hold my daughter for a little while and make coffee for my wife.  That is what I did!

3.  8:30 - 9:30 - Drive to meet one of my best friends

Meeting with one of my best friends Mark Clement.  Mark owns Big Picture Media Group.  Mark does a great job with video, websites, print media, etc…  I am going to be talking with him about a few products I have a vision for! 

4.  9:30 - 11:00 Meet with Mark

5.  11:00 - 12:00 Drive to next meeting

I will drive to next meeting and I will make phone calls to churches and businesses I am working with or want to work with. 

6.  12:30 - 1:30 Meet with Impulse

Impulse is a company I am in talks with working with.  This is meeting number three and looks really good.  They really care for their team members. 

7.  2:00 - 9:00 - Leadership Forsyth

I am committed to be involved in my county.  Today is the kickoff for leadership Forsyth!  We will serve our community well this year!

Thats my day! 

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