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Ann Marosy - EzineArticles.com Expert Author  

Ann Marosy is an accountant, author, teacher, and an ongoing student of philosophy. Ann has a Bachelor of Business from the Royal Melbourne Institute of Technology and developed a successful career in company accounting, culminating as Financial Controller of an Australian subsidiary of the famous “Noble House”: Fortune 500 company, Jardine Matheson. Ann also taught accounting at Melbourne University and the University of South Australia; has been the Founding Director of two companies, and ... [More]

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  • Simple Financial Management For Retirement - Part 1
    [Home-and-Family:Retirement] The most frequent questions asked by my clients are on the topic of financial planning for retirement or semi-retirement. As the large numbers of the Baby Boomer generation move into this stage, their attention automatically turns to the critical necessity for financial management. For many this is unknown territory and, as a society, we are now faced with a new arena for financial focus.


  • Zen and the Art of Making Money
    [Finance:Personal-Finance] Making money is consistent with the principles of Zen Buddhism. Buddha taught that in order for a community to become spiritually evolved it must be prosperous. Yes, poverty cannot lead to spiritual evolvement, as many of the western religions have taught over the centuries. Also, according to Buddha, a lack of economic stability is considered as suffering in the concept of the Four Noble Truths and the cause and cessation of suffering. So what is the missing link?


  • The Lack of Money is Often Not Our Problem - It is the Way We Spend It
    [Finance:Personal-Finance] If money management was taught at school, just like maths and geography, then there would be more wealthy people in this world today. But unfortunately it is not, and most people have to flounder their way through the personal finance maze, often following the same patterns of their parents.


  • Money Problems? Is it Really About Money?
    [Finance:Personal-Finance] First of all, let's forget about money and spending and budgeting for now. The truth is, when people have money problems, it's never really about money. I've always believed that if we can get to the crux of that problem, then we're 90% of the way there. This is what I have found.


  • Money Can Buy You Happiness - But Are You on the Right Track?
    [Finance:Personal-Finance] Through writing my books and working with clients over the years, I have dedicated my time to considerable research about why people overspend. I have always believed that if we can get to the crux of this problem, then we are 90% of the way to managing our finances, and leading abundant, happy and creative lives.


  • Making Money - It is All in Your Mind
    [Finance:Personal-Finance] To change your financial position, the first thing you need to do is examine your attitude, beliefs and thoughts about money. It is only the belief that money is a scarce resource that makes you feel inadequate to create more to achieve financial freedom.


  • How to Create More Income
    [Finance:Personal-Finance] Each of us has a subconscious ceiling on the amount of money we can receive at any given time. This ceiling has been created by many different factors - parental and social conditioning, past experiences, our own sense of self-worth and the value we have placed on the talents and skills we use in our particular line of work. If we receive more than what we think we are worth, we tend to lose it or give it away. Hence, the reason why so many lottery winners become bankrupt so quickly. In order to increase our income, we must raise the ceiling on our income earning potential.


  • If You Want to Become Wealthy Play Win-Win
    [Finance:Personal-Finance] If you want to become wealthy, ensure that you add value to your community. Your income will grow in direct proportion of the value of the goods and services you provide to your employers, clients or customers. Invest in sound companies that consistently increase their profits through the provision of worthy goods and services. Avoid high-flying, get-rich-quick, shaky schemes that do not profit the overall community. In all of your dealings and ventures, never try to prevent others from also gaining wealth.


  • The 7 Keys to Get Out of Financial Crisis
    [Finance:Personal-Finance] Financial Crisis is characterised by a problematic financial position where all you seem to be doing is going from one financial problem to the next. Finances are tough. You are barely surviving from payday to payday. There is a strong sense of scarcity; there never seems to be enough and there doesn't seem to be any way out. However, if you follow these simple steps, success will be assured.


  • What Are the Critical Elements of a Good Money Management Program?
    [Finance:Personal-Finance] A good money management program is successful if it's able to break a long and complex journey into manageable stages. People need to see progress, and it needs to be measurable.


  • Systems Are Necessary For Sound Money Management
    [Finance:Personal-Finance] All you need to make money is a certain amount of dedication, a reasonable amount of patience, a good strategy, and the discipline to stay with it. In essence, you need a well defined program or system that prevents you from going off the rails.


  • What Prevents Us From Managing Our Finances?
    [Finance:Personal-Finance] You cannot change your financial past but you can change your financial future. Constructive change will only result when you decide to take control of your circumstances.


  • What Are the Natural Stages in Personal Finance For Creating Financial Freedom?
    [Finance:Personal-Finance] There are typically 6 stages in the development of any endeavour. Successful businesses follow this - and they can easily be converted into personal finance terms. In fact, running your personal finances like a mini business will ensure your way to creating lasting financial freedom.


  • Business Success - Learn From the World's Oldest Fortune 500 Company - Part 4
    [Business] Is your business under cash flow stress? Fear of failure? Learn from the world's oldest and still successful Fortune 500 companies. This 4 part series describes the full story of over 200 years of business history, longevity and expansion.


  • Business Success - Learn From the World's Oldest Fortune 500 Company - Part 3
    [Business] Is your business under cash flow stress? Fear of failure? Learn from the world's oldest and still successful Fortune 500 companies. This 4 part series describes the full story of over 200 years of business history, longevity and expansion.


  • Business Success - Learn From the World's Oldest Fortune 500 Company - Part 2
    [Business] Is your business under cash flow stress? Fear of failure? Learn from the world's oldest and still successful Fortune 500 companies. This 4 part series describes the full story of over 200 years of business history, longevity and expansion.


  • Business Success - Learn From the World's Oldest Fortune 500 Company - Part 1
    [Business] Is your business under cash flow stress? Fear of failure? Learn from the world's oldest and still successful Fortune 500 companies. This 4 part series describes the full story of over 200 years of business history, longevity and expansion.


  • Why is Saving So Important?
    [Finance:Personal-Finance] The truth is: savings will give you more wealth in the long run. If you want to become wealthy you must start thinking long-term not short-term. Generally, most people waste more than 10% of their income every week on things they don't really need. By eliminating wastage and extravagance from our lives, we can find that extra 10% to save.


  • To Own Your Own Home? One of the Greatest Wealth Destroyers
    [Finance:Personal-Finance] One of the greatest wealth destroyers for most people is the pursuit of the "great American dream" - to own your own home. The first goal of most newly-weds is to borrow for their first home. And borrow they do. BIG! Hundreds of thousands of dollars - often far more than they can afford. It may be keeping-up-with-the-Jones, it may be conditioning, it may be expected, but it is often their first big mistake in managing their financial future. I hear many arguments to the contrary. Rent money is dead money.


  • Keep Your Fixed Costs Below 40%
    [Finance:Personal-Finance] Fixed Costs are your essential costs that are known and have to be paid on a regular basis. However, because fixed costs are comprised of debt and committed payments, they are critical in determining your ability to create wealth, as well as your capacity to lead a stable financial lifestyle.


  • How Do I Structure an Investment Group?
    [Investing] Investment Groups usually have an excellent success rate, due to their ability to combine resources. The only thing to watch is that you are all on the same page, so to speak. As they say, a chain is only as strong as its weakest link. In other words, all members need to have high motivation and belief system in creating wealth. If any members are a bit stuck, you may need to bring the group's prosperity level up through motivation techniques applied to creating wealth.


  • Should I Dip Into My 401K to Pay Off Debt?
    [Finance:Personal-Finance] I always find it very difficult to advise people to dip into their 401Ks or any other long-term investments to pay off existing debt. This is for two reasons.


  • Financial Advisors - How Do You Know If You Are Getting Good Advice?
    [Investing] How do you know if you are getting good advice from your Financial Planner? This is one of the main questions that is often asked by my clients and readers. Here are a few tips.


  • Should I Pay Off My Credit Cards Before I Start Saving?
    [Finance:Personal-Finance] A lot of budgeting systems advocate paying off all your credit cards and perhaps other debts before you starting saving. However, most of my clients have tried these type of budgets and failed. I have found my style of budgeting works best when you do both - start paying off your debts and start saving at the SAME time - for 4 reasons.


  • Financial Freedom - 3 Things You Must Avoid to Achieve It
    [Finance:Personal-Finance] Achieving financial freedom is not as difficult as you imagine - however, there are THREE absolute things you must AVOID to achieve it. If you write these down, paste them somewhere you can see everyday and then follow through, financial freedom is yours to have and enjoy!


  • Financial Freedom - 3 Things You Must Do to Achieve It
    [Finance:Personal-Finance] Achieving financial freedom is not as difficult as you imagine - however, there are THREE absolute things you must do to achieve it. If you write these down, paste them somewhere you can see everyday and then follow through, financial freedom is yours to have and enjoy!


  • Simple Financial Management For Retirement - Part 3 - Debt
    [Finance:Personal-Finance] Approaching retirement, the Baby Boomer generation needs more than ever to be very careful about debt. The more you try to live above your means and buy things you cannot afford, the more the debt cycle will spiral downwards. The Baby Boomer generation, in fact, created the beginning of our now insidious debt problems. Sorry, not really your fault outright, but things were different then.


  • Women Beware of Doctors Over-Prescribing Drugs
    [Health-and-Fitness:Womens-Issues] Norma Finkelstein, Ph.D., of the Boston-based Coalition on Addiction, Pregnancy, and Parenting says, "Women tend to get addicted to prescription drugs like sedatives and tranquillisers more often than men do because doctors prescribe them to women more freely". She estimates that 70 percent of prescribed tranquillisers and sedatives in the US are given to women. In Australia, 2:1 or 66.7 percent is the estimated ratio for women. Finkelstein also adds, "Women have long been seen by the medical profession as hysterical and anxious - so rather than listening to the woman's problem, some doctors will just write a prescription for medication."


  • Simple Financial Management For Retirement - Part 4 - Investing
    [Investing:Retirement-Planning] I define wealth as the ability to achieve financial independence where one does not have to work to support oneself. It means having the freedom to choose - to choose what one does with one's life; to choose whether to work or not to work; to choose where to go, where one lives, what one does and what possessions one has. It is the freedom from financial problems, freedom from debt, and freedom from monetary constraints. We no longer have to make choices based on how much money we need.


  • Simple Financial Management For Retirement - Part 2 - Budgeting
    [Investing:Retirement-Planning] To gain the most of budgeting, please forget about the concept of restriction and restraint often associated with household budgets. Budgets are not punishment or a means of restriction. They are important, useful tools that guide us to where we want to go. They allow us to plan for our future yet control our circumstances along the way. They are not meant to be exact, but rather flexible and accommodating.


  • Your Money Questions Answered - Part 2
    [Finance:Personal-Finance] Continuing with "Your Money Questions Answered". Here are more questions and answers from ordinary people with common money problems concerning debt, budgeting and general daily money management issues.


  • A Plea to All Americans
    [News-and-Society:International] This is a plea to all Americans. I am an Australian and live in one of the most beautiful and free countries in the world. We have one of the highest standards of living in the world, free health care, exceptionally high standards of education available for every child, one the highest literacy rates in the world, and the lowest poverty. The USA does not. Not anymore, at least. Why, does one ask?


  • Your Money Questions Answered - Part 1
    [Finance:Personal-Finance] When it comes to budgeting, debt problems or just about anything to do with managing money, the basic questions most people ask are often of similar nature. In order to provide answers to your common money management problems, I have included some questions and answers of the most common problems.


  • How to Create a Goal Chart As Your 'Law of Attraction' Magnet
    [Self-Improvement:Attraction] Over the years I have extensively studied and used goal setting techniques and found that there are a few simple rules that help to make them work. There are lots of different and creative ways to design your goals chart and children love to do them as well. In fact, it brings out the inner child in most of us. A goal chart works for several reasons. First, it allows you the time and space to sit down and think about what you want to achieve. The chart then defines these goals and creates a visual image, which you can be framed or mounted on your wall. This has both a direct and indirect impact on the results. The chart will directly remind you of your goals as well as have a subconscious effect by drawing the desired results into your life. This is creative visualization at its most practical and profound level. It works like magic.


  • How to Make a Commitment to Eliminate Your Debt - That Works!
    [Finance:Debt-Management] By making a commitment to eliminate your debt, you are taking the first giant leap towards becoming financially free. Imagine the wonderful feeling of total financial freedom. No debts, no financial worries, and best of all not being tied to a job you don't like just to pay the bills. It takes three things to accomplish anything: Passion, Motivation and Accountability. Here's how you can accomplish all three.


  • How to Improve Your Writing Skills
    [Writing-and-Speaking:Writing] An Editor will immediately differentiate a good writer from a poor one based on their extensive use of Passive Voice sentences. It is of utmost importance that all new writers learn the difference between Active and Passive Voice. Most new writers are amazed at how many of their sentences are written in Passive Voice. By learning to write in Active Voice, your whole writing will evolve to a professional level.


  • The 4 Keys to Get Out of Financial Crisis
    [Finance:Personal-Finance] Financial Crisis is characterised by a problematic financial position. All you seem to be doing is going from one financial problem to the next. Finances are tough. You are barely surviving from payday to payday. There is a strong sense of scarcity; there never seems to be enough and there doesn't seem to be any way out. When my clients are in this stage, it is often all doom and gloom. It is extremely difficult to motivate them at first because this is when their fears and doubts will rise to the surface. Any cut backs that are asked of them appear as huge sacrifices and many resist. The remedial action for this stage is to break old patterns and, unfortunately, this is the hardest to do. Crisis Management is the most difficult stage but the effort that you exert now is more than worth it.


  • Who Killed Heath Ledger?
    [Arts-and-Entertainment:Movies-TV] The City of New York's Medical Examiner Report concluded that Heath Ledger's cause of death was "the result of acute intoxication by the combine effects of oxycodone, hydrocodone, diazepam, temazepam, alprazolam, and doxylamine". Recent investigations and medical warnings have concentrated on the lethal combination of prescription drugs such as narcotic analgesics and sleeping aids. However, the medical community have ignored - and have been ignoring for some time - the underlying prescription drug class that often leads to habitual drug dependency with dangerous lethal consequences. Two of the drugs listed on Ledger's report are the most insidious, potentially dangerous, highly prescribed and, yet, the most overlooked and under-estimated by doctors. These drugs can start the chain reaction that potentially leads to Vicodin or sleeping pill abuse.


  • How to Get Out of a Financial Rut
    [Finance:Personal-Finance] Making money is simple. You do not need to be a financial wiz-kid, a stock market expert, a banker, an accountant or a rocket scientist to become rich. All you need is a certain amount of dedication, a reasonable amount of patience, a good strategy and the discipline to stay with it. In essence, you need a well defined program or system that prevents you from going off the rails.


  • Safe Investing - Where to Start
    [Investing] It is great that many people are now searching for good financial advice. With past generations, the typical financial advice passed down from parents to children was: buy a home, pay it off as quickly as possible and then - if you're really good at managing your money - buy an investment property. Unfortunately, there are still a lot of people who think this is the safest and smartest way of increasing their wealth. Banks are still encouraging their mortgagees to pay off their homes "in only 8 years!" There are even 'investment' books that herald how quickly you can pay off your mortgage. Just follow these steps. But it's the wrong long-term investment strategy. It always was and still is today.


  • How to Fix Your Bad Spending Habits
    [Finance:Personal-Finance] Bad spending habits is often the underlying cause that prevents most people from becoming financially free. However, the good news is: you can prevent this.


  • Why Businesses Fail
    [Business] "Up to ninety per cent of businesses fail in their first five years of operation" The first time I heard this was many years ago during an accounting seminar. At that time, it sounded rather unbelievable; however, I now believe those statistics are true and probably higher or occur within shorter time spans, especially during times of global economic stress.


  • How to Get Out of Debt and Start Creating Wealth
    [Finance:Personal-Finance] There are two facets to creating wealth: (a) creating money and (b) controlling how we spend it. The key to successfully get out of debt and start creating wealth is to accurately address both.


  • Why Planning & Budgeting is Critical to Becoming Financially Free
    [Finance:Budgeting] I would like to introduce you to the real meaning of budgeting. Forget about the concept of restriction and restraint often associated with household budgets and start thinking about your finances in the same way that successful businesses do.


  • Financial Freedom - The Importance of Managing Your Finances
    [Finance:Personal-Finance] Money is intrinsic to most of life's essential needs. It is our universal exchange system; it measures the value of our goods and services and provides security and certainty for our future. However, despite this, most people still do not manage their finances very well, if at all. So, what are the consequences of not managing money?


  • The 7 Absolute Rules For Managing Debt
    [Finance:Debt-Management] Debt equals negative wealth. If you want to be wealthy, do not go into debt. As simple as this sounds, people forget this basic principle. Unfortunately, most people tend to take the easy way out and when they want more, they impatiently spend more - now - rather than wait until they generate more income or create some surplus. Follow these 7 simple rules and you will never have debt problems again.


  • The 12 Absolute Rules For Investing Safely
    [Investing] Financial independence means having the freedom to do what you want - and not being tied to a job merely because you need the money. Isn't this an excellent goal worth striving for? Money buys you freedom, the freedom to do what you want to do. Studies have proven that it is impossible to be truly happy without freedom. To acquire wealth, we need assets that produce our income. To do this, we need to accrue investments that are roughly 10 times the annual income we need to support our lifestyle. In this way, the dividends generated by our investments, on average 10%, will create the income we need without eroding our asset base. Build income-producing assets by following these 12 essential rules.


  • The Absolute Top 10 Financial Tips
    [Finance:Personal-Finance] This is the shortest article I've ever written, but my clients always love it. They paste it to their mirrors and doors as a constant reminder of how to become financially free.


  • Why Goals Fail - New Research
    [Self-Improvement:Goal-Setting] There are two reasons why goals fail or we give up trying to achieve a specific goal. When I first learnt this, I knew I finally found the Holy Grail of goal achievement. The first reason is the "Brick Wall". The second reason is referred to as the "Unrecognised Goal".


  • The War in Iraq - It's More Dangerous Than You Think
    [News-and-Society:International] Yes, there are a dozen humanitarian reasons why the war in Iraq should be ceased immediately. But has anyone considered the long-term implications on the US and the rest of the world? No, I'm not just talking about the prolonged aggression between the Middle East and the US. I am more concerned about how it may change the whole political structure of the world. I believe there is a greater threat from another sleeping giant.


  • Money & The Law Of Attraction
    [Self-Improvement:Attraction] The why's, where's and how's of attracting more money and abundance into your life - going beyond Abraham & Hicks. Let's start with what Carl Jung was trying to teach us.


  • How To Have Money On Tap
    [Finance:Personal-Finance] The creation of wealth is an achievable goal for everyone. There is nothing natural about being poor. It goes against the very tides of nature to have less than we need to lead happy, successful lives. Making money is simple. There is nothing complex or mysterious about it. The definition of wealth is to be independently free from having to work to generate the income we need. To achieve this, we need income-generating assets that produce our earnings.


  • How To Live Within Your Means
    [Finance:Personal-Finance] Planning and goal setting are critical to your success if you want to become wealthy. The two key traits of people who do not become wealthy are, firstly, they tend to spend all of the money they have and, secondly, they do not know what they spend their money on. The lack of goals is the main culprit.


  • One of the Most Important Rules of Money Management
    [Finance:Personal-Finance] The lack of money is often not our problem, it is the way we spend it. Wealthy people tend to spend money on things that increase in value or provide them with a return on their investment. People who are not wealthy spend the bulk of their money on items that perish, depreciate or have no return on their investment.


  • Know Your Finances - The 1st Step Towards Financial Freedom
    [Finance:Personal-Finance] Planning and goal setting are critical to your success if you want to become financially secure. The two key traits of people who do not achieve this are, firstly, they tend to spend all of the money they have and, secondly, they do not know what they spend their money on. The lack of planning and goal setting is the main culprit. This is often referred to as "spending unconsciously."


  • Rules for Investing- How To Build a Portfolio of Safe, Secure Investments
    [Investing] In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for your circumstances. Your investments will also need to be safe and easy to manage. Safe investing is easy as long as you know and follow the basic rules.




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