I am turning 65 this year along with several million baby boomers! Some would call me old or others may call me a senior citizen. I used to have difficulty with age and this senior citizen thing! About five years ago, I was offered a senior discount; I turned it down because I was so insulted. Now, I not only take it, but I ask for it! ...
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If Not Now, Then When?
What are you waiting for? This is not giving you permission to go out and spend until you drop! I am talking about all the things you say you want to do, but put it off for various reasons! You know what I am talking about, it is the weight you want to lose, the exercise you put off, the class you want to take, but put off. The business you want ...
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Bringing Up Financially Smart Children
Many people have written about what to teach children about money. This is different because I developed these techniques and used them with my children. As parents, we want our children to be healthy, educated and happy. Do you want your children to face another financial crisis? More realistically, do you want your children to face a personal ...
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Inside a Millionaire’s Mind
What do you think when you hear the word millionaire? If you are a millionaire, you must have a big house, fancy cars and lots of money! You may be surprised to find out that the vast majority of millionaires are just like you and me. They work hard, live modestly and struggle like the rest of us with money. ...
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2011 College Class: Bigger Paychecks?
In a recent article on CNNMoney.com, college grads are getting offered bigger paychecks for the first time since 2008. The article goes on to state new graduates are averaging $50,034 per year starting salaries. Engineering degrees are averaging $59,435 per year. ...
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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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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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