When you ask a question, you are negotiating!   Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage. Don’t you negotiate all the time ...
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Can You Live without these Things?
I can live without these things and I am okay!! You make New Year’s Resolutions to lose weight, set goals or budget and you need to make choices. So it is a very relevant question!  What will you give up to achieve your goals? It could range from dessert, sleep to exercise, dining out or entertainment. Here are ten (10) things I can live ...
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The difference between a wish and a goal is a plan!
The difference between a wish and a goal is a plan!  About thirty-six (36) years ago, I created my plan to achieve financial independence. I set my goals to reach them in about nine (9) years and I beat it by two (2)! I was laser focused on my goals to the point of having daily tasks and monitoring them weekly/monthly. Life is complicated, but I ...
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If you are not making mistakes, you aren’t doing anything!
If you do not make mistakes, you are not trying hard enough! If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes. (John Wooden) I  saw an interview of Sara Blakely, founder of Spanx (a multi-million dollar undergarment company). She said her Dad asked her every day what mistakes she made. He ...
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My 2014 New Year’s Resolutions – Review
I decided to take a different approach when I formed my 2014 New Year’s Resolutions. I may have stacked the deck in my favor, but I will offer no apologies!  As I reflect on my results, I am happy with almost all of them!  I succeeded with all, but one!  I think the difference was what goals I included in my New Year's Resolutions. I learned much ...
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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 ...
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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 ...
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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, ...
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Goals You Will Never Achieve
Athletes, successful business people, and achievers set goals! Stop procrastinating or  you will find yourself never achieving anything. Goals should be specific, measurable attainable, realistic and timely. SMART goals are a framework for setting goals! Any goal that you want to achieve requires consistent effort over time or it will remain just a ...
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What You Don’t Know?
What you don’t know could fill books! It takes years and maturity to realize what you don’t know. I know because I have the (66 years old to be exact) years and maturity (just based on my age). Seriously, figuring out what you don’t know is real important and it should happen sooner rather than later. Did you figure it out yet? No problem, I ...
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