Believe it or not, the rules on debt and credit are brain-dead simple. Yet, it has become the biggest personal finance problem for most people. How can something so simple create so much difficulty? In this article I explain the deceptive nature of debt problems, the simple rules to keep you out of trouble, and the best solution if you already have debt or credit problems…
The Smart Consumer’s Guide To A Sane & Affordable Holiday
I don’t get the whole “Black Friday” thing. It strikes me as the height of consumer insanity.
Truncating my holiday family gathering to rush out at a ridiculous hour in the morning so that I can join crowds of other insane people battling to spend money they don’t have on things they don’t need makes no sense to me.
But hey, maybe I just don’t “get it”.
I don’t believe that’s what the holidays are all about.
Below is my brief take on trying to keep sane during the holidays and find some joy in the process…
The Surprising Truth About What Motivates Us…
Extrinsic is the old carrot-and-stick approach – the hope of gain and the fear of loss. This includes payroll and bonuses. Intrinsic motivators are more powerful and can be broken down into 3 categories…
What Is A Good Investment?
There is no such thing as an inherently good or bad investment. It is a myth. All assets can be good or bad investment given the right strategy, timing, or price. It is all about process – not product. Let’s see how this works…
Avoid Losses: 5 Ways Investment Research Lies To You
Things are seldom as they appear. Nowhere is this more true than investment research. Every day another trading system or sure-fire investment strategy is published. They always look good on the surface – impressive statistics, testimonials, lots of social proof. You’ll find them in best-selling books, or published by authority figures like professors, or endorsed by a trade journal. None of that matters because it can still be total hogwash. Here is how you sort fact from fiction to protect your portfolio…
Pay Off Debt Or Build Wealth? What To Do First…
Patty inquired… “I am aching to be free of my debt, and at the same time, I’ve been struggling to put 10% of my monthly income towards savings, and another 10% towards my IRA. Which should I do first? How should I prioritize? Find the answers here…
The Minimalist Guide To Financial Planning
Believe it or not, financial planning is so simple it’s ludicrous. Spend less than you earn and invest the savings wisely. After you retire then just spend less than your investment income and invest the savings wisely. That’s it. Seriously! Anyone can do it. It’s so simple it’s a joke… except for one minor, little detail…
Faster, Better Results Now: How Accountability Helps You Build Wealth
The human mind has a character flaw that can destroy your financial progress if you don’t control it with discipline. We are attracted to shiny, bright solutions that appear cutting-edge over perfectly suitable, proven alternatives that are boring but well within our grasp. Here’s one boring tool that just plain works. The question is, “Do you want the result or don’t you?”…
What Endurance Athletes Can Teach Us About Building Wealth
Endurance athletes as a group have a higher percentage of wealthy people than the general population. What makes them different? What lessons can you learn from their experience that can be applied to accelerate your financial growth…
How To Invest For Inflation & Deflation
The stable economic past is over. The future is going to be volatile with bouts of deflation and inflation. How do you invest and manage risk in that scenario?
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