Post image for Negotiation Starts When You Ask a Question!

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…

{ Comments on this entry are closed }

Post image for Would James Bond be eligible for life insurance?

Brought to life by novelist Ian Fleming in 1953, James Bond started out first as a character in a book, and then moved to film, television, radio, comics and video games. The infamous 007 has been the star of 23 films to date, and has enchanted Bond Girls and killed baddies for six decades.

Read More…

{ Comments on this entry are closed }

Post image for How is your Retirement Savings?

Do you have enough saved for retirement?  It should be no surprise than too many Americans have not put enough aside for retirement.  So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times  article 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…

{ Comments on this entry are closed }

Post image for 4 Decisions that Will Cost You a Fortune!

As I get old(er), I tend to reflect on my decisions more often.  It is one of the ways I learn to make better decisions and learn from my mistakes.  Yes, I make mistakes!  If you are making decisions, you make mistakes.  No one bats a thousand!  You cannot avoid making mistakes, but you should make more good decisions than bad ones.  Especially the big decisions! Read More…

{ Comments on this entry are closed }

Post image for Opening Investment Dollars By Changing Opportunity Cost Ratios!

Hey everyone, I’m Joshua Rodriguez. Thank you for reading my first article here on KRANTCENTS! Today’s article is inspired by an article that was recently published here on April called “Why You Should Think Twice About Paying Off Debt”. It discussed opportunity cost and its association with paying off debt and investing. In the article, you learned a lot about interest rates and, the cost of time when thinking about long term investments like 401ks
Read More…

{ Comments on this entry are closed }

Post image for Too Young to Retire!

Too young to retire and too old to get a job!  There are many people in their forties and fifties that feel that way.  They lost their jobs in the recession and cannot find another one.  They already exhausted their unemployment and have given up.  That’s right, they stopped looking!  They do not have the savings they should have and they gave up.  What should they do? Read More…

{ Comments on this entry are closed }

Post image for Are You a Genius or a Fool?

“Any intelligent fool can make things bigger and more complex… It takes a touch of genius – and a lot of courage to move in the opposite direction”. (E.F. Schumacher)  Do you move with the herd?  The real estate bubble and recession wrecked a lot of financial goals and plans.  Wait, the stock market is back, stronger than ever!  The real estate market is coming back too.  What did you do? Read More…

{ Comments on this entry are closed }

Post image for Is There a Right Time to Buy Real Estate?

The real estate market is booming.  Some prices are up to pre bubble prices.  Is it too late to buy real estate?  The short answer is no!  My theory is prices are always higher than you like it.  If you are one of those people who are looking to buy at the bottom, you missed your chance!  Interest rates are the lowest in sixty (60) years.  What are you waiting for?
Read More…

{ Comments on this entry are closed }

Post image for Gimme Shelter, Tax Shelter!

A home is more than a tax shelter!  You may live in a condominium, cooperative, townhouse or a single family residence.  Whatever the type of home, it is your primary residence.  It may be your first tax shelter!  A legal method of minimizing or decreasing an investor’s taxable income and, therefore, his or her tax liability.  Buying a home decreases your taxes, but there is more!

Read More…

{ Comments on this entry are closed }

Post image for How to Become Minimum Wage Millionaire

Can you earn minimum wage and still become a millionaire? The short answer is yes!  I am sure you have heard of so called poor people becoming millionaires, although not overnight.   I am not talking about professional athletes, entertainers or lottery winners.  I am talking about everyday people earning very little money and over time become millionaires.  Not just millionaires, but multi-millionaires! Read More…

{ Comments on this entry are closed }