From the category archives:


Post image for Do you have enough retirement savings?

Do you have enough retirement savings?  It should be no surprise than too many Americans have not saved enough for retirement.  So much has been written about baby boomers and retirement, but a Los Angeles Times  article shows how it is not limited to them.  10,000 baby boomers turn 65 years old every day and will for the next nineteen years!  Will you have enough savings for retirement? Read More…


Post image for What is Prosperity and how do you get there?

Economic prosperity is not really a road!  In fact, it may not be much more than a path.  It is not a location and it can only lead you to a goal.  It is filled with many curves, dead ends, U-turns, attractions, amusements, distractions and pitfalls. Google or Yahoo maps will not help you get there!  It starts with a goal and a plan.  It is taking that dream you have and making it a reality!   Read More…


Post image for Annual Checkup – Your Financial Health

Is your financial health important to you? If your answer is no, stop here! I learned a long time ago that I cannot influence everyone so I focus on the people who realize that my information is important to them. An annual checkup involves a physical examination, laboratory tests, vital signs and monitor any changes in health. An examination of your financial health is an opportunity to monitor your progress. Read More…


Negotiating Is Easy!

by Krantcents · 8 comments

Post image for Negotiating Is Easy!

When you ask a question, you are negotiating!   Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage.  Don’t you negotiate all the time in your personal and professional lives? Read More…


Post image for The difference between a wish and a goal is a plan!

The difference between a wish and a goal is a plan!  About thirty-six (36) years ago, I created my plan to achieve financial independence. I set my goals to reach them in about nine (9) years and I beat it by two (2)! I was laser focused on my goals to the point of having daily tasks and monitoring them weekly/monthly. Life is complicated, but I tried to simplify it so I could achieve my goal.  Read More…


Post image for If you are not making mistakes, you aren’t doing anything!

If you do not make mistakes, you are not trying hard enough! If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes. (John Wooden)  I  saw an interview of Sara Blakely, founder of Spanx (a multi-million dollar undergarment company). She said her Dad asked her every day what mistakes she made. He celebrated her mistakes! Read More…


Post image for My 2015 New Year’s Resolutions

My 2015 New Year’s Resolutions will be different again! NormallyI do not make New Year’s Resolutions because I do not believe in them. Why wait for a particular date to resolve or promise to make changes? Changes such as weight loss, quit smoking or drinking, get out of debt, or something else can start at anytime. What are you doing about your New Year’s Resolutions?

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Post image for My 2014 New Year’s Resolutions – Review

I decided to take a different approach when I formed my 2014  New Year’s Resolutions. I may have stacked the deck in my favor, but I will offer no apologies!  As I reflect on my results, I am happy with almost all of them!  I succeeded with all, but one!  I think the difference was what goals I included in my New Year’s Resolutions. I learned much more from my past mistakes than my successes! Read More…


Post image for Budgeting in Just 4 Steps

Budgeting in just 4 steps! The traditional definition of a budget is an estimate of income and expenses for a set period of time.   A budget for me is a structure for achieving a financial goal.   It helps you track your income and how you spend your money.  My approach is to start with my financial goal and I make changes in my spending to achieve it.  Do you use a budget? Read More…


Future: Perfect!

by Krantcents · 2 comments

Post image for Future: Perfect!

My future is perfect for me! In English, we use future perfect tense to talk about actions that will be finished before some point in the future. In my case, it is less than three (3) years away. My future is certain, however the duration is not! I planned for thirty (30) years in retirement just in case I am right! I plan to have a perfect retirement, would you like to know how? Read More…

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