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 ...
Keep Reading
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 ...
Keep Reading
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. ...
Keep Reading
The Emotional Side of Retirement
I recently read an article on Financial Samurai called The Darkside of Early Retirement which reminded me why I was not ready for the emotional side of retirement twenty-five years ago. Everybody strives for retirement nirvana; many would like to achieve it as early as possible. How many of you are actually prepared for all the changes? ...
Keep Reading
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! ...
Keep Reading
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? ...
Keep Reading
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 ...
Keep Reading
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. ...
Keep Reading
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 ...
Keep Reading
How to Start a Home Based Business
Are you looking for work? Do you have a skill that people want? Maybe now is the time to start a home based business. In many cases, it requires little or no money. What are you waiting for? What business should you start? Start with what you do well. Maybe you are new college graduate who would be a teacher, except no one is hiring. ...
Keep Reading