Excellence is a talent or quality which is unusually good and surpasses ordinary standards. According to Aristotle, “we are what we repeatedly do. Excellence, therefore, is not an act, but a habit.” Old habits are hard to break and new habits are difficult to form. Habits can either benefit or hurt the goals you set for yourself. How are your ...
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Are You Rich or Just acting Rich?
Are you rich or just acting rich? I know all your friends are spending the summer in the Hamptons and you just want to fit in or maybe you are trying to impress your girl. Whatever the reason, you do not have the break the bank to look wealthy and it is not what you think anyway. They tend to dress in classic clothes. They dress for comfort! ...
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Spend Less, but Spend Better
Can you spend less? Of course you can without affecting your standard of living. It is simple to spend less; you just cut your expenses. Just make some small changes to your spending and still have the same or better standard of living. All it takes is changing your priorities and a little planning. Are you interested? Let’s go through each step ...
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Do you have enough retirement savings?
Do you have enough retirement savings? It should be no surprise than too many Americans have not saved enough for retirement. So much has been written about baby boomers and retirement, but a Los Angeles Times article shows how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next nineteen years! Will ...
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Annual Checkup – Your Financial Health
Is your financial health important to you? If your answer is no, stop here! I learned a long time ago that I cannot influence everyone so I focus on the people who realize that my information is important to them. An annual checkup involves a physical examination, laboratory tests, vital signs and monitor any changes in health. An examination of ...
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Negotiating Is Easy!
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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How to Become More Interesting and Successful
A new year is interesting! It just seems a new year should start out with something interesting to stimulate your thinking. It all starts with you! How can you make yourself more interesting at work, social situations and with friends and family? It starts with what you do, how you do it and how well you do it. This is the best time to make changes ...
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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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