Financial Planning For Singles

Financial planning often gets a bad rap. Part of the problem is self-inflicted, since some industry participants would rather sell you a product than address your financial concerns. The process of planning is important, though, whether done with a professional or on your own. After all, you wouldn't leave on a long trip without looking at a map ? a poor analogy for some of us men, but you get the idea.

So where should you start? That really depends on you and your situation. Since everyone has different goals, needs, risk tolerances, and concerns, everyone needs a unique plan. But in general, planning needs to take into account at least three major areas ? insurance, investments, and estate planning. While you can fill a library with all the necessary information to properly address these issues, below are a few single-specific tips to help you get started.

Insurance

Insurance is confusing. It comes in all shapes and sizes and covers everything from your car to your health. You can even buy insurance that covers you against alien abductions. And like many areas of planning, insurance can be especially complicated for singles, depending on your situation.

· Life Insurance. For some singles, this may not seem like a pressing issue. But for singles with dependents, it's crucial. Stick with a term-life policy ? more expensive whole-life and universal-life policies are rarely worth the extra cost. You should generally buy enough insurance to equal eight to ten times your annual salary, though you may need more if you have several dependents or unique expenses, such as for a special needs child. And since you may not have a second income to rely on if you can't work, disability insurance is also a good idea.

· Health Insurance. Most of us count health insurance as one of our primary employee benefits. For married employees, the benefit is even greater, since this insurance is usually also available to the employee's spouse. For unmarried couples, though, it's a whole different story. While some companies provide medical and dental benefits to domestic partners, it's far from the norm. And even when these benefits are provided, they are usually taxed as income at their fair market value. While an exception exists, it requires the partner to qualify as the employee's dependent and have an annual income of less than $3,100 ? which makes it useless for many partners.

Investments

Successful investing is a difficult and time-consuming process. I'll touch on specifics in later issues, but if you're trying to put together an investment plan on your own, keep these issues in mind.

· Be patient. There aren't any magic systems that will help you consistently beat the markets. And if there were, could you really buy them for $299 on the Internet? Investing is not a get-rich-quick scheme, it's a long-term process that takes patience, discipline and experience.

· Diversify, but in moderation. Most people own several hundred stocks and bonds, either directly or through mutual funds. There just aren't hundreds of great investments out there. You're much better off keeping your portfolio at a manageable level of a two dozen high-quality stocks and a few exchange traded funds or mutual funds with strong track records and low expenses.

· Selling matters. Most people focus on buying stocks. That's important, but even more critical is when you sell stocks. Manage your risk by selling losing stocks when they fall 10% below your purchase price. Also, if you have a winning investment, take some profits along the way ? there are more than a few people who wish they'd done so back in March 2000.

· Mutual funds aren't always the answer. Many people rely on mutual funds as the cornerstone of their investment portfolio. This can be a problem, since the vast majority of mutual funds consistently underperform the markets. Not only that, mutual funds are extremely expensive and include hidden fees that don't show up in their disclosed expense ratios. These hidden fees can cost you thousands of dollars and take a huge bite out of your returns. Mixing in individual stocks and exchange-traded funds can help improve your returns and keep your costs in check.

· Develop your own approach. For example, my investing style is probably best described as opportunistic ? I wait patiently in conservative investments until compelling opportunities arise and then deploy capital accordingly. While it fits my personality and has worked well for my clients, it isn't right for everyone. Some people want more risk, some want less, and others just don't have the time to spend researching and monitoring their investments. Find a strategy that fits your unique risk tolerances, goals, and preferences, and then stick with it.

Estate Planning

Retirement planning for singles can be tricky. For example, most qualified retirement plans, such as employer-run 401(k) plans, are geared toward married couples and often don't provide for lifetime distributions to unmarried beneficiaries. This can cause major tax headaches for the beneficiary. Here are some other issues to consider

· Make sure you have a will. This may seem obvious, but an amazing number of people simply ignore this basic planning step. Probate laws are complicated, time-consuming, and don't always end up transferring your assets where you'd like. And if you're a single parent, make sure the will names a guardian for your children.

· Designate beneficiaries for your IRA accounts. Because IRA's don't pass through your will, you need to execute a separate beneficiary designation to make sure your IRA passes to your intended beneficiary.

· Execute a durable power of attorney. This power of attorney should not only cover your business affairs, but also your health care decisions. You hope you'll never need these documents, but if you do, you'll be glad you thought ahead and made the necessary arrangements.

David A. Twibell, J.D., is Executive Vice President of Colorado Capital Bank in Colorado Springs, Colorado, where he directs the bank's portfolio management and wealth advisory practice. He can be reached at (719) 482-7015 or [email protected].

In The News:

3 Renaissance Man Rules of Wealth Building  Stock InvestorOne year ago this week, with the help of an amazing and brilliant staff, I launched my lifestyle podcast and website, Way of the Renaissance Man. I.
Christal Jackson Is Building Wealth and Catalyzing Impact As A Venture Philanthropist  ForbesIn order to produce the next Mark Zuckerburg and Elon Musk, black founders need support. Christal Jackson is doing just that.
Want To Be Rich? Use These 5 Tips To Automate Your Wealth  ForbesYou can grow your wealth automatically. These tips show you how you can automate your finances to increase your wealth and achieve the retirement of your ...
Want To Build Wealth? Bring Your Spending In Line With Your Values  ForbesMany financial experts say the path to wealth is all about cutting spending. But that's only part of the story. The truth is that you can spend extravagantly if you cut ...
Tech co-ops circulating cash in Finsbury Park to combat offshore 'wealth extraction'  Islington GazetteLaunch of new tech co-op working space at 113-115 Fonthill Rd N4. Speakers at the launch event on July 12, 2019. include (front from left) Matt Brown leader of ...
3 Wealth-Building Myths That Could Leave You Broke  Motley FoolDon't believe everything you hear. These common pieces of money-making advice have some serious flaws.
Black Families Can Build Wealth Through Homeownership  tntribune.comBy Clare Bratten. NASHVILLE, TN – The National Association of Real Estate Brokers (NAREB) came to the Opryland Hotel as a part of the Full Gospel Baptist ...
Build wealth by investing in your advisory business  InvestmentNewsYour investment in your firm will essentially grow tax-deferred as the value of the business increases.
How to invest in real estate to build long-term wealth  Business InsiderIf you don't have the cash to invest in real estate by buying a property, try investing in a real estate investment trust (REIT).
When to use debt to build wealth, according to a financial planner  Business InsiderAvoid using loans or credit cards to pay for things that lose value over time, says certified financial planner and wealth adviser Helen Modly.
'Wealth building' Sunshine Coast financial firm folds, liquidator appointed  The Weekly TimesA BUDERIM financial investment firm which uses Cash Flow Accelerators to guide clients through wealth building has gone into liquidation.
African American Wealth May Fall to Zero by 2053  Black EnterpriseAccording to The Road to Zero Wealth report, the median wealth of black Americans will fall to zero by 2053 if current trends continue.
Azim Premji speech FULL TEXT: The 'trustee' of Wipro wealth bids farewell  International Business Times, IndiaAzim Premji, the iconic businessman who built software services giant Wipro from scratch, will step down as its chairman at the end of July. The $8.5-billion ...
Asian Wealth Management and Asian Private Banking - Crossinvest's Rohit Bhuta on Unravelling Asia's Wealth Management Conundrum  HubbisRohit Bhuta, CEO of Singapore-based independent wealth management firm Crossinvest, believes in the power of patience. He met with Hubbis to delineate his ...
Employee benefits to help employees build wealth  Employee Benefit NewsWith steep competition for talent, it's important to think outside the conventional benefits packages to help your workforce build retirement savings.
How short-term thinking kills long-term wealth building – Dawn Ridler  BizNewsDawn Ridler shares what a wealth ecologist is and how you can harness some ecology ideas to grow your savings and investments in a struggling economy.
5 things I wish I could tell my 20-year-old self about building wealth  Business InsiderNow that I'm in my late 30s, I've learned that money isn't the point. It's how you use it to build a life you love that matters most.
Wealthfront has one of the best high-yield savings rates right now, and it probably won't last for long  Business InsiderLike any high-yield savings account, the interest rate on Wealthfront's Cash Account is subject to change depending on the federal funds rate.
Asian Wealth Management and Asian Private Banking - Motilal Oswal: Building and Diversifying India's Asset Management Industry  HubbisAashish Somaiyaa, Managing Director and Chief Executive Officer of Motilal Oswal Asset Management, believes that the outlook for India's wealth management ...
Nine ways to rejuvenate Chicago's forgotten neighborhoods  Crain's Chicago BusinessDisinvestment has devastated entire city neighborhoods and is the reason many longtime owners are trapped in negative equity and living in substandard and ...
Three Questions To Determine How Much Wealth You Can Build With A Rental Property  ForbesWhen calculating how much wealth you can build with your rental property, start by looking into how the following areas contribute to your wealth: net cashflow, ...
Is it necessary to invest in property to build wealth?  Moneyweb.co.zaWhen it comes to saving and building wealth for retirement, is it essential initially to buy property? I live in Cape Town and earn R17 500 gross income a month, ...
Retire Rich With These 2 Wealth-Building Stocks  The Motley Fool CanadaBuilding wealth doesn't have to be complicated. Want to retire rich? Invest in stocks with high quality management teams and a healthy growth profile.
Syfe raises US$3.8M funding to launch digital wealth management services in Singapore  e27Syfe combines proven investment strategies with an algorithm to give investors customised, globally diversified portfolios that are in sync with their personal risk ...
Is Hargreaves Lansdown in wealth-creation mode?  Financial NewsSources say a few high-level Hargreaves peeps are looking at a way to fulfil the investment needs of affluent individuals.
5 lies you've been told about rich people and money  Fast CompanySo you think you know how wealthy people spend? Here are the myths you've been buying into.
How to build wealth within a trust  Independent OnlineALL ABOUT TRUSTS: With July being Savings Month, you should consider how a trust can assist you to build your wealth during ...
Summer real estate heats up, gaining momentum  Snoqualmie Valley RecordAs summer continues on, the local real estate market in Snoqualmie is active, with signs pointing toward a positive July. Karen Lindsay, managing broker and ...
Harmony, Silver's Unified Data Solution, Enables Efficient, Consistent, and Secure Digital Wealth Management Platforms  MENAFN.COM(MENAFN - Newswire.com LLC) NEW YORK,July 15, 2019(Newswire.com) - Silver Wealth Technologies , a leading provider of digital wealth manage.
A Forgotten First Step in Wealth Creation: Emergency Funds  Kiplinger's Personal FinancePutting aside money for a rainy day (and it WILL rain one day, don't kid yourself) can pay off in many ways, including lowering your stress.
Asian Wealth Management and Asian Private Banking - Swissquote: Expanding the Reach of its Digital Platforms in Asia  HubbisDamian Hitchen, CEO for the Middle East & Asia at digital platform provider Swissquote, spoke with Michael Stanhope, Hubbis founder and CEO, to explain to ...
7 surprising ways the elite are showing off their wealth around the world  Business Insider IndiaFor wealthy moms in New York, where it's particularly expensive to raise kids, having.
How Sun Pharma's Dilip Shanghvi reacted to pipping Mukesh Ambani  Quartz(Dilip Shanghvi worked his way up from a tiny shop in the bylanes of Kolkata in the 1970s to create one of India's most valuable enterprises—Sun ...
Updated Forward Features Schedule To June 2020  WealthBriefingAsiaBelow is our updated forward features list for the WealthBriefing and WealthBriefingAsia news services which runs until the middle of 2020. (There is a separate ...
Ex-banker building billion dollar fortune as legal weed sweeps US  The Irish TimesBoris Jordan is best known for his role in privatising Russian assets after fall of communism.
Kuwait- Youth is the true wealth of the nation -- Defense Min.  MENAFN.COM(MENAFN - Kuwait News Agency (KUNA)) KUWAIT, July 16 (KUNA) -- Kuwait's First Deputy Prime Minister and Defense Minister Sheikh Nasser Sabah ...
Digital wealth manager Syfe launches in Singapore after $5.2m seed round  Singapore Business ReviewIt also got its Capital Markets Services Licence. Digital wealth manager Syfe has launched in Singapore following the approval of the Capital Markets Services ...
AI-powered wealth platform Rosecut targets £3.2trn affluent market  International InvestmentNewly launched wealth management platform powered by artificial intelligence Rosecut is aiming to serve the affluent 'middle-market' investors by offering ...
Investors perplexed by market volatility, says Natixis survey  Wealth AdviserMarket volatility has been a wake-up call for many US investors whose high return expectations don't accurately reflect their appetite and understanding of risk, ...
Amit Dogra Joins Sanctuary Wealth as Chief Experience Officer  Business WireAmit Dogra has joined Sanctuary Wealth as Chief Experience Officer (CXO). A role traditionally seen only within Silicon Valley technology companies, S.
India becomes investment darling for sovereign wealth and pension funds  LivemintLondon: Sovereign wealth funds are piling into India, buying stakes in everything from airports to renewable energy, attracted by political stability, a growing ...
Top Money and Productivity Books You Should Absolutely Read This Summer  ForbesIf you have some free time this summer and want to boost your financial IQ, reading money books from the experts can help. Depending on the book and its ...
Hargreaves Lansdown best-buy list under fire as 'embarrassing' changes pile up  Telegraph.co.ukHargreaves Lansdown has changed 10pc of its active funds best-buy list after only six months with the high turnover brandished "embarrassing" for the firm's ...
How we're doing Corbynomics – in Jeremy Corbyn's own backyard  LabourListThe next Labour government is already committed to creating inclusive and socially just local economies. And Jeremy Corbyn's community wealth building ...
How living in an Afrikan mud-hut safeguards the eco-system whiles building wealth  Face2Face Africa“Privilege, you see, is one of the great adversaries of imagination; it spreads a thick layer of adipose tissue over our own imagination.” – Chinua Achebe.
Black Enterprise Is Bringing Black Men XCEL To Miami Aug. 28-Sept. 1  PRNewswireNEW YORK, July 16, 2019 /PRNewswire/ -- Black Enterprise will present its 3rd annual Black Men XCEL Summit Aug. 28 through Sept. 1st, at the JW Turnberry ...
Robinhood Plans Relaunch of High Yield Cash Account  FortuneRobinhood, a stock trading app popular with millennials, caused a stir last December by announcing a no-fee checking-and-savings accounts that offered a 3% ...
The A Team Property Group on building wealth  Finance News NetworkThe A Team Property Group CEO, Sasha Hopkins, talks about success through property investment, his journey from property consultant to investor and mentor ...
Here’s why MOST financial advisers can’t help you grow wealth – SA money expert  BizNewsThere are many intermediaries willing to sell you insurance and find a parking place for savings - but few will help you massage assets in the long run.
Louisville must bridge the wealth gap that separates the east, west and south  Courier JournalIn the West End, there is a banker for every 1600 people, whereas in eastern Louisville, there is a banker for every 200 people.
Is Entrepreneurship the New MBA?  ForbesToday's 20-somethings are foregoing the MBA/corporate career path to pursue the riskier world of entrepreneurship.
Ritholtz Wealth launches Betterment-powered robo advice platform  InvestmentNewsRitholtz digital platform getting a second liftoff with Betterment for Advisors.
3 Dividend Aristocrats Yielding 5% or More to Build Wealth Faster  Yahoo Canada FinanceSeeking to build wealth and achieve your investment goals sooner while building a recurring, steadily growing stream of passive income? Then look no further ...
What Creates Our Wealth?  ValueWalkWhen most people are asked "what creates wealth", they miss the most crucial aspect of all - our investment in common assets.
Building household wealth through home ownership  WATE 6 On Your SideHomeSource East Tennessee joined us with great advice on taking steps towards home ownership.
When Green Infrastructure Is an Anti-Poverty Strategy  Next CityEDITOR'S NOTE: The following is an excerpt from “Resilience for All: Striving for Equity Through Community-Driven Design,” by Barbara Brown Wilson, ...
Family finance: Businessman Mathur needs to build a bigger emergency corpus  Economic TimesVishvas Mathur, 40, has recently started his own business and brings in rS 96,000 a month. He stays with his homemaker wife and 11-year-old child, ...
Business centre to be launched at Uganda-German symposium  Daily MonitorA Ugandan University has been earmarked as beneficiary of a model of post-harvest training and *service* centre for skilling the youth and women in order to ...
Edgar Villanueva: the racial wealth gap and American charities  Vox.comYou've heard of the racial wealth gap. Meet the racial philanthropy gap.
Salem man mixes wealth of history into popular ghost tour  The Salem NewsAn eloquent speaker, sounding more like a seasoned interpreter than an 18-year-old recent high school graduate, Jake Stotler instantly captured the crowd's ...
OPINION: Are stokvels the future of property finance?  Independent OnlineCould property finance be turned on its head in a dramatic, unexpected way?
How to Open a Retirement Savings Account for Your Kids and Help Them Accumulate $1M Before They Reach 50  Black EnterpriseAre your children earning any income? Then they can get a head start on a retirement savings account for kids. Here's how.
Berks financial advisers provide guidance in navigating a maze of options  Reading EagleBuilding wealth is not easy and managing wealth can create another set of challenges. Wealth management is a combination of financial planning and ...
Building the New Boston through corporate diversity  The Boston GlobeCompanies that embrace diversity are helping to reshape the city.
Use positions to serve, not to amass wealth — Mrs Theodora Wood  GhanaWebA Former Chief Justice, Mrs Justice Georgina Theodora Wood, has advised young people seeking leadership positions to consider such elevations as an ...
I’m in the 1 Percent. Please, Raise My Taxes.  The New York TimesWealthy people like me should commit to reducing the ravages of economic inequality.
‘Preston model’ hailed as a ‘beacon’ for cities  Lancashire PostWe're a Model city! Preston's community wealth building scheme is worth an estimated £488m to the wider Lancashire economy, a new report says.
Do You Have an “Amazon Moat”?  Investorplace.comThe right retailer can still provide huge returns, but you have to watch out for "Death by Amazon." Here's how...
WED AM News: Wealth of new data represents a challenge and opportunity for researchers; State supporting new medical products distribution center in Pleasant Prairie  Wisbusiness.comThe interim director for a new data science center at UW-Madison says the wealth of information pouring from various industries represents both a challenge and ...
Kamala Harris' Plan To End the Racial Homeownership Gap Doubles Down on the Worst Aspects of U.S. Housing Policy  ReasonThe 2020 contender wants to give $25000 grants to homebuyers living in historically segregated neighborhoods.
Billionaires Shouldn’t Live Forever  The New York TimesEditors' note: This is part of a series, “Op-Eds From the Future,” in which science fiction authors, futurists, philosophers and scientists write Op-Eds that they ...
MSMEs drive job and wealth creation, poverty eradication and sustainable development  The Patriot On SundayIn 2017, a resolution, in recognition of the important role that Micro, Small and Medium-sized Enterprises (MSMEs) play, was adopted by the UN General ...
Ecobank guilds customers on wealth creation  The Nation NewspaperEcobank Nigeria has organised a wealth-building and sustainance breakfast forum for its High Networth Individual (HNI) customers. The lender used the forum ...
Jeff Bezos to Mark Zuckerberg: Silicon Valley's Top 5 Philanthropists  Hollywood ReporterHere's where the top tech execs are pouring millions — and, in one instance, billions — of money into charity.
Yes, You Can Build Wealth In Your 20s -- Here's How  ForbesHere's how 20 year-olds can start building wealth today in 6 simple steps.
The First 5 Steps To Building Wealth  ForbesRetirement is the one expense in the world you cannot borrow for, so building wealth throughout your career is essential if you ever want to reach financial ...
How to keep your wealth in the family  SowetanLIVE Sunday WorldSouth Africa has the most dollar millionaires in Africa and is one of the fastest growing ultra-wealthy populations on the continent, according to the latest Knight ...
Rick Singer, the mastermind behind the college admissions scandal, knew whom to target: the wealthy  Los Angeles TimesFor years before his college admissions bribery scheme was discovered, William "Rick" Singer built close ties with financial advisors at investment firms.
India Becomes Investment Darling For Sovereign Wealth, Pension Funds  NDTV NewsSovereign wealth funds are piling into India, buying stakes in everything from airports to renewable energy, attracted by political stability, a growing middle class ...
How one small bank is getting rich in wealth management  American BankerPeapack-Gladstone in New Jersey has more than doubled its assets under management in the last six years, taking advantage of buyouts of its smaller rivals as ...
Bexar's Eye: A Small Corner of Lackland AFB Holds a Wealth of Military Aviation History  Rivard ReportTucked in a far-off corner deep inside Lackland Air Force Base sits a trove of local aviation history. The U.S. Air Force (USAF) Airman Heritage Museum boasts a ...
3-Step Strategy for Building Generational Wealth in Today’s World  Banyan Hill PublishingLearn my three-key strategy for becoming a forward-thinking income investor to build generational wealth in today's new world.
Azim Premji writes last letter to shareholders, unveils Wipro's 4 big bets to drive future growth  Business TodayA day ahead of the first-quarter earnings numbers of Wipro, the chairman and managing director Azim Premji in a letter to shareholders said the company would ...
Mumbai Coastal Road: Pathway to ruin  Down To Earth MagazineOn July 16, the Bombay High Court ordered that construction on the Rs 170 crore Mumbai Coastal Road, to be built by reclaiming the city's inter-tidal western ...
#BoycottHomeDepot Was Based on a Lie. Americans Need to Know the True Story of Bernie Marcus | Opinion  NewsweekYou may have come across his name this month. Bernie Marcus has been in the news because the company he co-created, Home Depot, was being threatened ...
That Giant Asteroid of Gold Won’t Make Us Richer  BloombergRejoice, people of Earth! News outlets are reporting that NASA is planning to visit an asteroid made of gold and other precious metals! At current prices, the ...
Financial planners: The best way to build wealth is automatic savings  Business InsiderFinancial planners say automating your savings is the best way to build long-term wealth. Here's how to do it.
How to build wealth in 4 steps, according to millionaires  Business InsiderBuilding wealth involves a four-step process: Growing income, controlling spending, investing in index funds, and investing in real estate.
Kevin O'Leary of 'Shark Tank' to give free talk on maintaining wealth  TribLIVEKevin O'Leary, of ABC's “Shark Tank,” is slated to speak at Pittsburgh's Byham Theater on July 30, starting at 6 p.m. O'Leary will speak on keys to moving ahead ...
Norway wealth fund, Axa to sell office property in Frankfurt  ReutersNorway's $1 trillion wealth fund, the world's largest, and France's Axa have agreed to sell an office building in Frankfurt to Invesco Real Estate, the fund said on ...
The Implosion Of Beto O'Rourke Continues  FITSNewsWe eschew schadenfreude … Taking pleasure in another's demise is terrible karma. However, there is something oddly satisfying about the spectacular ...
Signs you're not building wealth and tips for fixing it  Business InsiderYou're probably not on the path to wealth if you live above your means or if you haven't started investing. Here's how to change that.
Building Wealth With a Higher Purpose  Kiplinger's Personal FinanceThis former monk found out the hard way that money is not the root of all evil.
Sen. Elizabeth Warren: Get Rid of Filibuster to Push Wealth Tax Proposal Through Congress  CNSNews.comSen. Elizabeth Warren (D-Mass.) said Monday she wants to get rid of the filibuster to prevent Republicans from blocking her wealth tax proposal if she is elected ...
Wealth gap grows as Cambodia modernises | China Dialogue  chinadialogueCambodia is urbanising fast with China's help but the gulf between rich and poor is widening.
Securities lending in Asia: what lies ahead?  The AssetSecurities lending in Asia will face similar challenges as elsewhere while benefiting from enhanced regulations and advances in technology.
Building wealth tips: 5 habits of the rich that millennials should know  Business InsiderBuilding wealth requires a certain kind of mindset — here are 5 things millennials should be doing to become self-made millionaires.
Nine Of The Best Ways To Build Wealth  ForbesIt is often said that the three main sources of wealth creation are the stock market, real estate and entrepreneurship. With this knowledge as a starting point, ...
Saving is not the key to building wealth—here's what is, says author of 'I Will Teach You to Be Rich'  CNBCIf you're looking to build wealth, you need to go beyond just adding money to your savings account, says financial expert and author of "I Will Teach You To Be ...
President Museveni takes Operation wealth Creation to Bukwo  capitalradio.co.ugBy Moses Kidandi President Yoweri Museveni has thanked the people of Sebei Sub-Region for massively supporting and voting the NRM government.

Finding Financial Freedom

Do you ever get this in your email box: Find... Read More

7 Wonders of the Offshore World

Many people assume that the offshore world is accessible only... Read More

Living Trusts: Do They Protect Your Assets From Creditors?

A surprising number of readers want to know "Can a... Read More

Starting With Smaller Goals First And Work Your Way Up Until You Achieve Financial Freedom

While you need to have a lot of positive-thought and... Read More

Before There Was Wall Street, There Was Gold.. & when Wall Street is gone, there will still be Gold

Paper burns and large companies can go bankrupt, but if... Read More

The PDQ? Factor

It's the beginning of a brand new year: a time... Read More

How Much Do You Need To Earn Per Hour To Achieve Your Yearly Financial Goals

Have you ever asked yourself what your highest income producing... Read More

The Truth About Setting Up A Wealth-Pump Business: The Passive Income Myth Exposed

In theory the idea of generating additional (and passive) business... Read More

Discover the Secrets and Possible Solutions To Money Problems

It is sometimes pitful how many projects are never born... Read More

Building Wealth by Paying Yourself First

When I look around at all of my friends, and... Read More

The Morphing of Thought and Cash

Here are some thoughts about the morphing of thought and... Read More

Residual Income - 3 Ideas for Long Term Profits

A residual income is one that comes in no matter... Read More

Wealth Building Tips: Manage Your Money

As someone who loves to shop, enjoys holidays and owns... Read More

8 Tips for Keeping More of Your Hard Earned Money

Masters degree not required...just a little common sense, a $5.00... Read More

Creating Money, Prosperity, and Abundance Now (Part 2)

Giving and ReceivingIt seems that people generally find it easy... Read More

Could a Roth IRA be Better Than a 401(k)?

Very few people whom I know are familiar with the... Read More

Why Get Rich When You Can Be Wealthy?

"Any fool can rich, the wise get wealthy." Chris WidenerGetting... Read More

The Underlying Belief System

Many of us do not consider the underlying belief system... Read More

Wealth Creation and Mortgage Planning - Two Great Tastes that Taste Great Together

What if I were to tell you that almost everything... Read More

Investing is About Discipline

If you don't have discipline then walk away from the... Read More

Surefire Ways to Attain Moneymaking Success

You have probably heard other people say that "Money isn't... Read More

Mastering Your Money

One of the things most of us have old ideas... Read More

Money Myths Of The Poor

From tender age, we were exposed to myths about money... Read More

You Deserve To Retire Early

The fact is that most people continue to work for... Read More

Get Rich Doing What Others Dont

"The quickest way to wealthThat I've found to be true;Is... Read More