Posts tagged as:

Budget

Post image for Fear is a Four Letter Word

Fear is a series of reactions in the brain triggered by a stressful stimulus and ending with such physical reactions as tense muscles, rapid heartbeat and rushed breathing. Fear is kills dreams, ambitions, happiness, love, and success. Fear of failure or success is real! Too often, you see opportunities, but you are unwilling to pursue them because of fear. Fear holds you back!  Read More…

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Post image for Achieving Retirement Goals

How are you doing with your retirement savings? The most important first step is to start making contributions to your retirement savings as early as possible. Using a retirement calculator, if you contribute as little as two hundred ($200) dollars a month at twenty-two years old, you will have one million four hundred thirty ($1,430,000) dollars at sixty-five (65) years old using a growth investment style.

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Post image for How to Take Control of your Life

Control is subjective! Control is the power to influence or direct people’s behavior or the course of events. Taking control of your life is much more personal and involves the financial, personal, social, physical fitness, work and personal relationships and career portions of your life. Are you one of those people who just complains about things rather than doing something about it?

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Post image for Determination Beats Everything Else!

Determination beats everything! Determination is a personal quality that makes you continue trying to do or achieve something that is difficult. In other words, determination is simply not giving up! “The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand.” (Vince Lombardi) Read More…

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Post image for Does a Spending Freeze Work?

A spending freeze is when you stop spending money for a period of time. You could lock up you credit cards and cash, avoid the mall and just stay home. How long could you go without spending money? When the federal government has a spending freeze, they just maintain a certain level of spending. They may tie spending to GDP growth or per capita spending. I just call it a budget! Can you really stop spending? Read More…

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Post image for Buy a New Car  or Used Car?

Buy a new car or a used car? Is this a trick question? Many personal finance experts recommend buying a used car versus a new car because it has already depreciated some of its value and you get a better deal. Particularly if you find a used car off a lease and it was well maintained. Many car dealers offer certified used cars with warranties and you save 30-40% over new.  Read More…

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Post image for Measure Twice and Cut Once!

Measure twice and cut once is an old proverb that is still relevant! It means one should double-check one’s measurements for accuracy before cutting a piece of wood; otherwise it may be necessary to cut again, wasting time and material. It also relates to all of life’s decisions! Often, you do not think through all the consequences of your actions thoroughly. In other words, think before you act! Sound familiar? Read More…

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Post image for 10 Steps to Financial Security

What is financial security? Financial Security is having sufficient resources to support a standard of living now or in the future. What does this mean to the average person? A good working definition may be having enough money to cover your current and future expenses. Everyone has a different definition of what is financial security because our expenses change. What do you need to know? Read More…

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Post image for Labor Day is more than a Holiday

Labor Day is the first Monday in September and an American holiday! It is supposed to be a national tribute to the contributions and achievements of American workers made to this country. It was established abut one hundred twenty years ago. It usually signaled the end of summer and children return to school. The last weekend to get away or relax before school starts. What does Labor Day mean to you? Read More…

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Post image for Car Free in Los Angeles

Yes, I will be car free in Los Angeles in three years. Why am I writing about it now? I am taking the first step to be car free in Los Angeles. I will retire in the next three years and have no need for two cars. Los Angeles is a very much a car town. Los Angeles used to have one of the best public transit systems in the country, but that was nearly one hundred years ago!  Read More…

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