Most of us received little or no education or training in making financial decisions. Smart financial decisions require analysis and careful attention to detail. We need the knowledge and skills to evaluate options and identify those that fit our needs and circumstances. Where do you get the skills and knowledge to understand money? ...
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How to Have more Money in Your Pocket?
Are your expenses rising faster than your income? In these times of lower income, how do you reduce your expenses without changing your lifestyle. Do you feel that there is nothing you can do? Make a list of everything you buy each month. Ask yourself, what can you do to make a change? ...
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Is a College Education Worth It?
Recently, I read a Washington Post article discussing the value of a college education. The article asks the question: “Is bypassing college smarter than paying for a degree?” The article further states “The hefty price tag of a college degree has some experts worried that its benefits are fading.” The article focuses on the return on investment ...
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How to Get your Dream Job
If you are unemployed or thinking about making a change, what should you do? If you expect me to reveal my secret formula for how to get a job, read on. Instead, I am going to start with your resume. Most people reflect on what they have done and create a resume. Is that my secret? No! I want to change your thinking, so prepare to make a ...
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Are You Making a Good First Impression?
Whether it an interview, meeting a man or woman, or business situation, first impressions are everything! Everyone makes an instant judgment about you in less than 30 seconds. Think about it, you are walking down the street you notice something that bothers you. In an instant, you decide to cross the street. That instinct serves to protect you ...
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Can Real Estate Make You Rich?
Most people have a goal of someday owning a home. This is true whether it is a condo or a house. Even in these difficult times, everyone would rather own their home. There are three major obstacles to home ownership which are credit, down payment and the ability to handle the monthly payment. Credit is usually identified by FICO score. ...
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Stop the Insanity, Get Out of Debt
A quote attributed to Albert Einstein is the definition of insanity: Doing the same thing over and over again and expecting different results. So many articles, books and magazines tell us how to reduce debt or change things we do with money. Why do the people who need it most resist change? The answer is simple change is hard! ...
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How to Get What You Want?
I got everything I ever wanted because I set goals and developed a plan to accomplish them. Many of us want to be rich, own a house by the age of thirty and have a good career. Although these are wonderful outcomes, they are not goals. Goals must have certain characteristics so we can measure and monitor how well we are doing to achieve them. ...
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How would you like a Free College Education?
How would you like a free education, several hundred dollars a month and a guaranteed job afterward! Yes, there is a catch! You must be a citizen, graduate from high school with a 2.5 GPA, achieve at least 920 on SAT test or 19 on ACT and be between the ages of 17 and 26. If you meet those requirements you can receive a ROTC scholarship. ...
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Only Suckers Pay Retail
Who pays full price for a car? No one! Yet there are stories of people paying over list price for high demand vehicles such as Toyota Prius. Do you negotiate prices in every purchase? Of course not, that would be too much trouble. So when would it be worth it? There are two (2) categories of purchases that would be worth negotiating a better ...
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