Economic prosperity is not really a road! In fact, it may not be much more than a path. It is not a location and it can only lead you to a goal. It is filled with many curves, dead ends, U-turns, attractions, amusements, distractions and pitfalls. Google or Yahoo maps will not help you get there! It starts with a goal and a plan. It is taking ...
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Annual Checkup – Your Financial Health
Is your financial health important to you? If your answer is no, stop here! I learned a long time ago that I cannot influence everyone so I focus on the people who realize that my information is important to them. An annual checkup involves a physical examination, laboratory tests, vital signs and monitor any changes in health. An examination of ...
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Negotiating Is Easy!
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 ...
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The difference between a wish and a goal is a plan!
The difference between a wish and a goal is a plan!  About thirty-six (36) years ago, I created my plan to achieve financial independence. I set my goals to reach them in about nine (9) years and I beat it by two (2)! I was laser focused on my goals to the point of having daily tasks and monitoring them weekly/monthly. Life is complicated, but I ...
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If you are not making mistakes, you aren’t doing anything!
If you do not make mistakes, you are not trying hard enough! If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes. (John Wooden) I  saw an interview of Sara Blakely, founder of Spanx (a multi-million dollar undergarment company). She said her Dad asked her every day what mistakes she made. He ...
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My 2015 New Year’s Resolutions
My 2015 New Year’s Resolutions will be different again! Normally, I do not make New Year’s Resolutions because I do not believe in them. Why wait for a particular date to resolve or promise to make changes? Changes such as weight loss, quit smoking or drinking, get out of debt, or something else can start at anytime. What are you doing about your ...
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My 2014 New Year’s Resolutions – Review
I decided to take a different approach when I formed my 2014 New Year’s Resolutions. I may have stacked the deck in my favor, but I will offer no apologies!  As I reflect on my results, I am happy with almost all of them!  I succeeded with all, but one!  I think the difference was what goals I included in my New Year's Resolutions. I learned much ...
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Budgeting in Just 4 Steps
Budgeting in just 4 steps! The traditional definition of a budget is an estimate of income and expenses for a set period of time.  A budget for me is a structure for achieving a financial goal.  It helps you track your income and how you spend your money. My approach is to start with my financial goal and I make changes in my spending to achieve ...
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Future: Perfect!
My future is perfect for me! In English, we use future perfect tense to talk about actions that will be finished before some point in the future. In my case, it is less than three (3) years away. My future is certain, however the duration is not! I planned for thirty (30) years in retirement just in case I am right! I plan to have a perfect ...
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How Do I Get Rich and Successful Friends?
Rich and successful friends will make you rich! In a conversation attributed to F Scott Fitzgerald and Ernest Hemingway, Fitzgerald said “The rich are different from you and me.” Ernest Hemingway responded: “Yes, they have more money.” Believe it or not the money is not what you want from rich people, but the connections and what you can learn ...
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