The "best of" may be a misnomer, but it is based on statistics or my opinion! I decided to showcase a variety of articles that you may find worthwhile to read again or for the first time. Who knows, you may uncover a hidden gem that changes your life. I decided to do this because I am continuing to make some changes and thought you may like to ...
Keep Reading
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 ...
Keep Reading
Happy New Year 2015
Happy New Year! Today is New Year's Eve and tomorrow is full day of football games. Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California. If you don’t know, it is the weather! The beaches, skiing, museums, theater, sports, parks and food are pretty good too. It is hardly perfect, but it is ...
Keep Reading
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 ...
Keep Reading
Happy Holidays
The holidays are family time. Holidays in many parts of the world mean vacation. In my former (CFO) career, the end of year was the busiest. When I worked in the electronics/computer industry, the week between Christmas and New Years was a company shutdown. In other words, we had paid time off, except I generally worked some days to prepare for ...
Keep Reading
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 ...
Keep Reading
Why I Love Taxes!
I love taxes which is a huge paradigm shift for me! I used to hate taxes so much that I used the tax code to reduce my taxes to zero. Yes, that is right, I paid zero taxes for a very long time legally! When you invest in assets, you can depreciate them and use depreciation to reduce your taxes. Is that the only way to reduce your taxes? No, ...
Keep Reading
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 ...
Keep Reading
Failure Is an Industry!
There are industries that encourage failure! Do companies really want you to fail or quit? Not every company! For example, insurance companies, particularly property and casualty companies want you to pay for the insurance and never make a claim. When you make a claim, they do everything to slow down the process before they have to pay you for your ...
Keep Reading
Reasons Why Life Insurance Can Be Denied
Applying for life insurance is an important process that every adult with dependents should do. It’s as detailed of a process as applying for health insurance. There are three possible outcomes: approved, postponed, or denied. A postponed application means you may need to provide additional documentation or have a second test. If you know these top ...
Keep Reading