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Post image for Five Business Reasons to Target Baby Boomers

Baby Boomers are not broke! In the United States alone, Baby Boomers will spend about $3 trillion. Hard to believe, but it is one of the most underserved market segments. Baby Boomers have been ignored by marketers because the 18-34 year old consumers are a more attractive group to advertisers. Younger people stereotype older people as useless, helpless, or devalued! Read More…


Second Chances

by Krantcents · 6 comments

Post image for Second Chances

Should people get second chances? Americans love comebacks, isn’t that a second chance? Every time you make a change, big or small is getting a second chance. What does the term second chance mean to you? If you are doing anything, you will make mistakes. If you get another chance at success, is it a second chance? Second chances are called do over, another shot, second shot, another take, take two, to just name a few. Read More…


Post image for Are You Tough Enough for Success?

Success is for anybody who is tough enough to withstand the ups and downs! Entrepreneurship is a grueling test much like the Tour de France. It takes mental toughness to get through those stages to succeed. Don’t confuse mental toughness with physical toughness. Mental toughness is resiliency, courage, flexibility, responsiveness, strength and sportsmanship. Are you tough enough? Read More…


Post image for How to Prepare your Children for Success

How can parents prepare their children for success! One measure of success is financial! There are personal finance classes, online classes, books, magazines and more. I even wrote about how field trips reinforced financial irresponsibility. It is though nothing has worked before we had all these wonderful resources. It really is not such a mystery, but you still need to do something. Read More…


Post image for Get Rich as an Employee!

Are CEO’s the only ones who get rich working for someone else? No, there are many millionaires who are lucky enough to work in the technology industry. Are they the only ones? There are many more who are part of the IPO (Initial public offering) when a company goes public. There are still more who go to work in certain industries that do very well too. Read More…


Post image for Don’t Envy the Rich!

The rich are different from you and me. (F. Scott Fitzgerald) Yes, they have more money. (Ernest Hemingway)  “They possess and enjoy early, and it does something to them, it makes them soft where we are hard and cynical where we are trustful in a way that unless you were born rich, it is very difficult to understand.” (F. Scott Fitzgerald) Yes, the rich are different from you and me, they have more problems! Read More…

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Post image for How to Cope with Change

Change is inevitable! Recently, my wife and I went to New York for my sister in law’s birthday party. Since we live in Los Angeles, we had to get airline tickets, make arrangements for the dog and find a way to the airport. No big deal, we cashed in miles, our children watched the dog and we drove to the airport. If it were only that easy! You have to deal with all the possibilities and some you never thought of! Read More…

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Post image for 5 Smart Ways to Cut your Expenses

How I cut my expenses may provide some insight how to save money.  Some people would call me cheap!  Others may say I am frugal!  I think of myself as value conscious!  I hate to spend more money for something than I need to.  My approach may cause you to rethink how you spend your money! Find out how you can live on less without feeling deprived! Read More…

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Post image for CAMP Is the New Acronym for Retirement Readiness!

CAMP is not a place with temporary accommodations of huts, tents, or other structures, typically used by soldiers, refugees, prisoners or travelers. When I was a child, I went to camp to escape the New York summers. CAMP is not a destination! If you do not know what CAMP is, you should! CAMP is a way of realistically measuring your retirement readiness.  Read More…

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Post image for How to Buy Homeowners Insurance

Buying homeowners insurance is a necessity particularly where I live.  I live in southern California where the next big earthquake is days/weeks/months/years away!   A natural disaster that can wipe you out financially!.  I survived the Northridge earthquake without damage, but that was just luck.  California has a 99% chance of a big earthquake within thirty (30) years. Read More…

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