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Post image for How to Go from a Saver to a Spender in Retirement

I am a lifelong saver! I will retire in one to two years and everything changes! I have multiple sources of income and enough investments to keep my wife and I very comfortable for more than thirty years. Comfortable is a subjective word, but my mortgage will be paid off and I have no debt. So what is the problem? I have to change  my habits and learn how to spend instead of save. Read More…

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Post image for Money Matters:  Planning

Planning is the process of making plans of something. Without a plan a goal is just a wish! A plan involves strategy which is a method or plan to bring about a desired future or solution to a problem. This involves organizing your ideas or activities required to achieve a desired goal. When you plan a trip, you start with the destination and map out a route to get there.What is your plan? Read More…


Post image for Money Is different for Men and Women

Money, what is it?  Would it surprise you to learn men and women view money differently?  The standard definition for money is any object or record, that is generally accepted as payment for goods and services and repayment of debts in a given country or socioeconomic context.  Money is officially-issued legal tender consisting of currency and coin. Men and women spend and invest money differently!  Why? Read More…


Post image for Money Matters:  Investing

Investing is the purchase of an asset or item with the hope that it will generate income or appreciate in the future. An investment is the action or process of investing money for profit or material result. Investing can include buying stocks, bonds, commodities, mutual funds, real estate, currencies, classic or antique cars, antique furniture stamps, coins or other collectibles.. Investing have risks and rewards.

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Post image for Managing Money using Technology

Managing money was my career for more than thirty years. I started managing money when I was seven (7) years old!  I earned my first few dollars with a business and needed to make some decisions. I made them the old fashioned way, I asked my mother. Small, but great network! Technology provides so much more information and all I have to do is access it. How do you use technology to manage your money? Read More…


Post image for Why I Started my Business?

Why I  started my business?  I wanted to know if my reasons matched theirs.  I wanted to know if I was like Warren Buffett, Steve Jobs, or Bill Gates.  Don’t you?  Did they start their businesses just to make money or change the world? I thought I would share why I started a business years ago and you can let me know if it matches your reasons or not. Read More…

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Post image for Money Matters: Saving

Saving is income not spent or deferred consumption. Saving involves reducing expenditures such as recurring costs in terms of personal finance. It is the first step to achieve your financial goal. It may be to purchase a car, a down payment for your first home, vacation, or retirement. If you are like most people, life gets in the way of saving for retirement. Make saving a priority and find money to save! Read More…

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Post image for Retirement, Planning the Emotional Side

Retirement planning is more than your financial needs! I retired (achieved financial independence) about thirty-eight (38) years ago and understand this better than most people. I am just two (2) years away from retiring again and thinking about what I will do in retirement. There are a lot of things that come to mind, but enough about me. What are you going to do in retirement? Read More…

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Post image for Why Get a College Degree?

Why get a college degree?  You would expect a high return on investment (ROI), if you attended Harvard, Yale or MIT. Even if you received a degree from a no name university.  A lot of families are thinking about this question, whether you are a high school senior or just graduated.   Finding a job in this economy is tough and paying off student loans are tougher without a job.   Is college worth it? Read More…

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Goals in One Word

by Krantcents · 4 comments

Post image for Goals in One Word

That’s right, pick one word for your goals! Goals are something I do every day all year long. I know a lot about goals because I achieved all the important ones in my life. I know that sounds a little arrogant, but it is true. I was not my high school valedictorian nor did I graduate college phi beta kappa either. I was just the most determined person in the room and it worked! Read More…

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