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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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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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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What is your New Year’s Resolution?
Since there is just two weeks until New Year’s Eve, it is appropriate to start thinking about that once a year declaration! What is a resolution? It is a resolve or determination to make a firm resolution to do something. Every year I hear people say that they will do something different, but the outcome is generally the same. Nothing! I am not ...
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Questions that Make You Think!
Why are questions important? When someone asks a question, they are generally curious, or want an answer. For example, when will dinner be ready or what time will the bus arrive? Sometimes questions require more questions or you just think about the answer. Sometimes you use questions to learn information about something or someone or to just ...
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Five Things I Wished I Did Before I Turned Thirty
By the time I turned thirty, I was married, with one child and one on the way, owned a house and had my dream job! So I do not have any regrets. Why am I writing this article? As I become older, I reflect on my life and what if anything I would do differently. ...
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If you won the Lottery, What Would You Do?
Every time I buy a lottery ticket, I play this mental game of what I would do if I won! I allow myself to fantasize for a couple of hours or a day, the few times I bought tickets. Lotteries draw many people, but few win. I don’t think I ever saw a rich person win. The background of many winners is generally hard working people or people with ...
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