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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What is the Difference between a Job and Career?
Most people do not see a difference between a career and a job. The first time you hear the word is when your father says get a job. It is usually in response to a teenager who wants a car when they turn 16 or 17 years old. According to the dictionary, a job is a regular activity performed in exchange for payment, especially as one's trade. A ...
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Budgeting Made Simple for Teens
Budgeting is a foreign word to almost everyone, but especially teens. Budgeting requires discipline and know how to be successful. Preparing a budget is similar to learning a new language. First you learn the vocabulary then the grammar and finally you learn to speak by practice. What is the vocabulary, grammar and how do I practice? Let's ...
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How to Teach your Children about Money?
My parents never taught me about money! My parents were too busy making money to teach me much of anything. I spent my time studying piano, practicing piano, and playing with my friends. They were children of successful neighbors. Maybe, I learned from them. I do not think so! Saturdays, I spent the day with my Mother at her retail store. ...
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Are Financial Decisions Common Sense?
Most of us received little or no education or training in making financial decisions. Smart financial decisions require analysis and careful attention to detail. We need the knowledge and skills to evaluate options and identify those that fit our needs and circumstances. Where do you get the skills and knowledge to understand money? ...
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Is a College Education Worth It?
Recently, I read a Washington Post article discussing the value of a college education. The article asks the question: “Is bypassing college smarter than paying for a degree?” The article further states “The hefty price tag of a college degree has some experts worried that its benefits are fading.” The article focuses on the return on investment ...
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Are You Making a Good First Impression?
Whether it an interview, meeting a man or woman, or business situation, first impressions are everything! Everyone makes an instant judgment about you in less than 30 seconds. Think about it, you are walking down the street you notice something that bothers you. In an instant, you decide to cross the street. That instinct serves to protect you ...
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Can Real Estate Make You Rich?
Most people have a goal of someday owning a home. This is true whether it is a condo or a house. Even in these difficult times, everyone would rather own their home. There are three major obstacles to home ownership which are credit, down payment and the ability to handle the monthly payment. Credit is usually identified by FICO score. ...
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How to Get What You Want?
I got everything I ever wanted because I set goals and developed a plan to accomplish them. Many of us want to be rich, own a house by the age of thirty and have a good career. Although these are wonderful outcomes, they are not goals. Goals must have certain characteristics so we can measure and monitor how well we are doing to achieve them. ...
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Only Suckers Pay Retail
Who pays full price for a car? No one! Yet there are stories of people paying over list price for high demand vehicles such as Toyota Prius. Do you negotiate prices in every purchase? Of course not, that would be too much trouble. So when would it be worth it? There are two (2) categories of purchases that would be worth negotiating a better ...
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