Why Not A Low Interest Mortgage
Oct14

Why Not A Low Interest Mortgage

Tweet Recently I saw a tweet on Twitter from @ChimayLad who asked @DaveRamsey – “If your mortgage rate is lower than what you can historically earn in the stock market (6 to 8%), why pay house off early?” Dave’s reply pretty much said it all “Risk. We have done detailed research and 100% of the foreclosures occur on a home with a mortgage. Proverbs 22:7” The question posed was not unusual. I know...

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Feeding Vending Machines
Oct13

Feeding Vending Machines

Tweet Do you have any idea how much money you feed into a vending machine during the week? It is easy to lose track of money when it is a dollar or two at a time.  Oh sure, it doesn’t seem like much but it adds up.  Let’s say you pay for a soda pop once a day from the machine.  The soda costs $1.45.  You work five days a week.  That is $7.25 a week or $29 a month. Doesn’t sound too bad right? But what about the chips...

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Live Like You Lost Your Job
Oct12

Live Like You Lost Your Job

Tweet One common theme I am getting from my clients is that they have lost their job and now cannot meet their bills.  As you read this you may be in the same situation. Businesses are cutting back on their expenses and even though the employee is what I consider to be  the biggest assets of a company, it is also one of their biggest liabilities as well.  I have seen employers release individuals who have been with them for 20 years,...

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Debt and the Company You Keep
Jun15

Debt and the Company You Keep

Tweet You have heard “your only as good as the company you keep” or “Birds of a feather flock together, “A smart man surrounds himself with smart people”, “If you hang around with trash, you will be seen as trash.” These sayings are usually a different way of saying you are judged by your friends or those you hang around with.  Many times, especially to children or young adults we say these...

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I Lost My Job, Now What?
Jun09

I Lost My Job, Now What?

Tweet Short of losing a loved one either through divorce or death, losing your job is one of the most stressful life changing  events you will experience.  It is stressful both emotionally and physically.   It can be a huge knock to your self esteem.  You may feel like a failure.  In some cases, you may have family members who blame you for the job loss.  You may even feel that you want to just give up due to the heavy financial...

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Going Poor Eating
May18

Going Poor Eating

Tweet Food. We all need it to survive, some love it so much they define themselves as a foodie, others truly just eat to survive. Over the last several months I have failed terribly at bringing my lunch to work on the days when I am not working out of my home. I have not excuse.  Sure, I can say I have been busy, tired, but really even on a good day I am busy and get tired. The fact of the matter is I just have not made preparing my...

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Get Rich By Educating Yourself
Apr16

Get Rich By Educating Yourself

Tweet Becoming wealthy is not about the amount of money you make. Stop laughing, it is true, as soon as you stop thinking you are going to gain wealth by making more then the quicker you will gain wealth. You get rich from educating yourself. You must learn how to manage your money, discipline yourself with money, learn how to invest your money. Education is the key to becoming wealthy. Now I can guarantee if you have a loser type...

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