I recently read an article called Win Rewards for Paying Off Debt in Kiplinger magazine. The author writes about several credit cards that offer incentives to pay on time. They encourage frugal behavior! Let me translate for you, the credit card companies pay you to pay them on time. Why would they do that? What is in it for them? I always ...
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Valentine’s Day on the Cheap
Do you have someone that you would like to acknowledge on Valentine’s Day? Man or woman, this has become an important day. What do you do, men? The easy answer is order flowers, make reservations, pick up candy and a piece of jewelry. What do you do, women? You could buy things like anything sports, movie DVDs, candy or something personal. ...
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Financing My Dream?
I recently read an article on CNNMoney.com about some organic farmers who wanted to expand their farming business, but it meant taking on bank debt. Courtney Lowery Cowgill and her husband had a small organic farm specializing in vegetables, turkeys and ancient heritage grains in Conrad, Montana. ...
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Budgeting is Still a Waste of Time
Back by popular demand, Budgeting is still a waste of time! Last week, I wrote an article called “Budgeting Is a Waste of Time”! I offered some suggestions about analyzing your expenses. Look at every expense and answer my three questions to determine if you should make any changes. What additional expenses need analysis? ...
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Free Money for Retirement
All statistics say that most people do not save enough money for retirement. Are you one of them? What are you going to do? Are you going to work longer? Are you going to cash out your house? Do you plan on taking a reverse mortgage? I may have a solution for you! ...
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Budgeting Is a Waste of Time
Budgeting is a waste of time!. To me, a budget is a list of planned income and expenses. It is a road map to achieve your financial goals. Most people look at a year’s worth of expenses and take an average and /or adjust for inflation and use it for their budget. Is that enough? ...
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Look Out, Danger Ahead!!!!!!
This weekend, it was 82 degrees in Southern California. Summertime in January! Every weekend I go for a 20 mile bike ride around the park. Beautiful weather brings out everybody, so it was crowded on the bike path. When I pass, I warn people that I am coming up on their left to let them know I am there for their and my safety. In California a ...
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I Lost My Wallet!
I lost my wallet; does anyone know where it is? I had cash of at least $100 and 3-4 credit cards. If you found it, what would you do? Would you return it? Would you take the cash? Would you try to use the credit cards? You have a choice between what you should do versus what you want to do? Does it matter if you are having hard times and you ...
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My Secrets to Successful New Year’s Resolutions
Psssst! Do you want to know a secret? Actually, these are well known strategies in achieving goals. By now you made your 2011 New Year’s Resolutions. What do you do now? Take some time to understand where you are as of January 1st. Whether it is a financial, personal, or business goal, I hope my approach helps you achieve your New Year’s ...
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Chasing the American Dream
What is the American dream? It is the American social, economic, and political system that makes success possible for every American. What are you doing to attain the American dream? Yes, you have to do something! Unemployment is at record levels, housing and construction is down, and the stock market is volatile at best. Well paying jobs in ...
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