Good Health Helps Perhaps my observations are wrong, but I see too many young people getting caught up in screen time and too few trying to be physically strong. I know that reading and class study and online research are sedentary activities, which I encourage. But we need to value our health because our bodies […]
Condition for Physical Work Read More »
Overcome Your History Perhaps you have experienced setbacks from distressed events in your life, such as I did many years ago. Most of us have lived through difficult times that strained our finances. However, you must not let those events define you. You can make positive changes for growth. Have a little faith but remember
Assets for Security Read More »
Brake for Records You are busy. You need to work to draw a paycheck. Then you need to prepare meals, get the car fixed, mow the yard, do the laundry, and buy groceries. And busy repeats itself. While you need rest from all the above, entertainment can be distracting. Evenings seem short when you have
Keeping Records and Markers Read More »
Ignore the Ads Your best defense against ad influence is to ignore the ads, unless you are looking for what they are advertising. Most ads are written to influence your decisions to buy something, or to create a desire to buy. It is up to you to control the influence of ads. Though it is
Beware: Ads Get Your Attention Read More »
Starting Out In recent years, the housing market has become very difficult for first-time buyers. In fact, first-time home buyers only make up 21% of current home sales, per NerdWallet. And since home prices have risen so much, the average age of first-time home buyers has risen from 28 in 1991 to around 35 to
Planning for Home Ownership Read More »
Financial Segments Most of us think of our personal finances as money in and money out. However, if you hope to have any control over your money, you need to consider as many segments as possible. Obviously, some people will have more segments than others. As I hope to help you build a better mindset
Separate Your Finances Read More »
No Excuses Unless There Is Most physical fitness specialists or therapists will tell you that you can live a healthier life with regular exercise. Strength and endurance are available if you make the effort to obtain them! Walking, pushups, sit-ups, planks, climbing stairs, and other forms of body weight exercises that require very little equipment
Bet on Good Health but Carry Insurance If You Lose Read More »
Do You Plan to Live to 120? That sounds somewhat crazy to us Boomers who see many of our friends passing before they reach 80 years old. However, there is a good chance that many of us will live to be over 90 years old, maybe 100! Medical advances are rapidly changing our possibility of
Will You Run Out of Money in Retirement? Read More »
Money Doesn’t Require IQ Many people like to brag about their IQ (Intelligence Quotient) scores. However, most of us can care less since we scored in the average range or below. And, although a higher IQ score can improve your potential for acquiring skills to earn money, there is still the element of acting on
Returns Compound Investing scares a lot of people. Their reasoning is simple. Their money would be at risk. There are no guarantees for most investments like stocks and bonds, unlike a bank certificate of deposit (CD). However, the return rate on a bank CD is often very low. Although recently some CDs have paid over
Pay Attention to These Three “Rules of Thumb” for Investing Read More »