From the category archives:


Post image for A Simple Retirement Plan for You!

Retirement can happen at any time!  A typical definition of retirement is the act of leaving one’s job and ceasing work.  In my parent’s generation, you kicked back and did not do much. It was a way of withdrawing or retreating from the work world.  It may happen at a certain age or when you accumulate sufficient assets, money, investments or savings. Read More…

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Post image for Everyone Is in Business!

That’s right, you are in business and you better be good!  You can be in denial because you work for someone or you are a stay at home spouse, but you are fooling yourself.  You are in business and you need good skills or you will go bankrupt.  Before you panic, you do not need a degree in accounting, business or special skills.  A little knowledge and common sense will help you succeed. Read More…

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Post image for I Am a PF Coach and I Should Be Fired!

That’s right, I should be fired!  Where is Donald Trump when you need him?  I think of myself as a personal finance (PF) coach that helps you achieve your goals and I am batting under 500.  My percentage stinks and I should be fired.  This is not an indictment of my expertise or my skills, but I want to do better.  Read More…

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Post image for How to Prepare for 2013 or Any Year!

Looking for new ideas, I came across hundreds of articles explaining how to prepare for 2013.  There are a lot of things to do, but why limit it to 2013?  You should prepare for every New Year by doing a few things.  If you did not start a couple weeks ago, it is not too late, but no more procrastinating!  Here are my five (5) things I do every year and you should too. Read More…

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Post image for There Is Always Something!

There is always something that holds you back!  Why do we always make excuses?  An excuse is an unconscious defense mechanism to justify or explain a behavior or feelings in order to avoid a true explanation.  If you are constantly rationalizing your behavior by making excuses, you won’t accomplish very much.  A long time ago, you made an excuse and someone accepted it. Read More…

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Post image for Progress Is Never a Straight Line!

Progress is forward movement toward a destination or goal.  In education, changes are made often and the results are mixed!  Have test scores increased from the changes?  If they did, that would be progress.  We need progress in everything we do.  Business and your personal life are based on achieving goals.  How can you become more effective? Read More…

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Post image for What Is a Progress Report and Why Is It Important?

A progress report is a report of work accomplished during a specific time period.  Simple enough, but how often do you reflect on your progress?  Although I monitor my progress and adjust my efforts often, I very rarely prepare a report.  Just recording your progress is not enough to accomplish your goals either. Does your progress report include an action plan?  What do you do? Read More…

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Good Enough!

by Krantcents · 33 comments

Post image for Good Enough!

The principle of good enough (POGE) only works for software!  It is a rule for software and systems design which favors quick and simple design because it evolves as needed based on user requirements.  I sometimes hear my students say they have good grades until I question them.  It turns out it was just good enough!  When does good enough make sense for you? Read More…

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Post image for Excellence is a Habit!

Excellence is a talent or quality which is unusually good and surpasses ordinary standards.  According to Aristotle, “we are what we repeatedly do.  Excellence, therefore, is not an act, but a habit.”  Old habits are hard to break and new habits are difficult to form.  Habits can either benefit or hurt the goals you set for yourself.  How are your habits?  Do they help you reach your goals? Read More…

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Change Direction!

by Krantcents · 17 comments

Post image for Change Direction!

Did you ever change direction?  I am not talking about driving directions or a modest little change!  You know what I mean, an about face, turnaround, change of heart, flip-flop, metamorphosis, reorganization, u-turn, change of course or reversal.  Progress is so much better, but sometimes you have to change direction to reach your goal.  It starts with identifying your goals, evaluating your progress and adjusting or changing your efforts. Read More…

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