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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New Year’s Resolutions Update
For those of you who did not read My 2011 New Year’s Resolutions, I shared some of my goals for the year. Some said I was too ambitious and others said I may have difficulty measuring the results. Normally, I would monitor my progress and publish the results at the end of the year. I decided to share my progress with you every Friday. You will ...
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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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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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Resumes That Work
In this economy, companies receive 100s if not 1,000s of resumes every day. How do you get your resume selected out of those thousands of resumes? It is not easy; you have literally seconds to be noticed. What does it take? Do you have to attach $20 to it to be noticed? No, of course not! If the company advertises a job, posts a job opening ...
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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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How Do You Choose the Right Career?
I know what you want! It is a career that pays the most, where you have fun and don’t work too hard. Are there careers like that? If you ask people who like what they do, their answer will be yes! What are those careers? Some (well, most) professions require some form of higher education. However, with the modern world we live in, one can go ...
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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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