10 Ways to Kick Bad Money Habits

10 Ways to Kick Bad Money Habits

| March 7, 2011 | Reply

If a struggling economy has got you down, and you need effective ways to manage your cash flow better, here are some practical strategies you can use right now to improve your situation: 1. Instead of choosing to pay bills first, Pay Yourself First by keeping a small percentage from each paycheck in a savings account. […]

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The Past and Our Financial Future

The Past and Our Financial Future

| May 16, 2010 | Reply

After piecing together the actual causes of the US (and world) financial meltdown, I began to look back at my years as a banker during 2003-2004 (when the Fed funds rate was only 1.00%) and seeing just how relaxed the credit market, interest rates, and real estate prices actually were during that time. During 2003 and 2004 I was […]

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Are You Pursuing Your Passion?

Are You Pursuing Your Passion?

| March 12, 2010 | Reply

I’ve been thinking a lot lately about how hard life can be, whether it’s tackling financial problems, working out disagreements in our relationships, or overcoming personal hurdles that stand in our way.  The fact is that life really throws a lot of mine traps in front of us, and pushing through all of the smoke can be really, really […]

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Create Multiple Streams of Income

Create Multiple Streams of Income

| January 15, 2009 | Reply

I was speaking with an old banker friend today and we began to discuss new trends that we may see in the business world.  She mentioned that the economic downturn and thousands of layoffs would likely spawn new small businesses opportunities.  I agreed with her.  With so many layoffs and new home business opportunities out there, it’s possible that people will take […]

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A Word on Spending and Debt

A Word on Spending and Debt

| January 9, 2009 | Reply

Are you experiencing financial difficulties during the economic downturn?  If so, you are definitely not alone.  Even with the recent decrease in gas prices, the economy continues to create problems for millions of Americans.   During these tough times, there are some ways to keep above water.  One way is to practice smart cash flow management.  This means […]

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Waiting for Change?

Waiting for Change?

| December 3, 2008 | Reply

“We are not the Blue states of America, nor are we the Red states of America, we are the United States of America.”  Those were the words of Barack Obama that rang out loud and clear during Campaign 2008.  America demanded change, and change is what we got.  I’m glad to see that Obama was able to make […]

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Switching Sides

Switching Sides

| November 23, 2008 | 3 Replies

Hi Everyone!  After 3 months of no writing activity, I’d like to give everyone something to read again.   For those of you familiar with the writings of Robert Kiyosaki (also one of my favorite authors), you have learned that people can be classified into one or more of these quadrants: Employee, Self-Employed (Specialists), Investors, or Business.  […]

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Running the Numbers

Running the Numbers

| August 10, 2008 | Reply

When it comes to investing, a smart investor always uses numbers to guage the profitability before they take action.  Whether it’s buying a business, purchasing stock, or buying a commercial property, analyzing the deal is imperative for making the best decision.  We can sometimes get lucky on our investment if we don’t choose to run the numbers, but the odds aren’t […]

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Motivation: A New Perspective

Motivation: A New Perspective

| August 5, 2008 | Reply

I can remember when I first started working at Regions Bank as a personal banker in 2004.  In evaluating my overall performance, I would have been considered average among my co-workers.  However, when I wanted to try selling commission-based financial products such as fixed annuities, I suddenly took off in sales.  Everyone at the company […]

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A Brief Stint in Network Marketing

A Brief Stint in Network Marketing

| July 26, 2008 | Reply

Many of you may have heard of Vector Marketing, a company that is licensed to sell the top selling brand of knives in the United States, Cutco.  In an attempt to earn some extra cash during my journey as a real estate investor, a gave Vector a shot.  My brother had previously worked for the […]

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