These Are the Times!

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“These are the times that try men’s souls!” These often remembered words of Thomas Paine were written in “The Crisis” a series of articles published during the American Revolutionary War. On December 23, 1776, when Paine wrote these words he described in detail the time of the revolution. He began the closing to this article with the following quote: “I thank God, that I fear not. I see no real cause for fear. I know our situation well, and can see the way out of it.” Despite the drastic and incomprehensible moves of the market, with all indices falling substantially […] Read more »

A Lost Decade, Really?

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We’ve heard so much about the “lost decade” we may feel investing for the long-term is foolish. Numerous articles suggest the tried and true method of asset allocation is dead. “Buy Gold!” “Buy gold, guns, and two years worth of food” “Time the market” “Buy bonds, sell stocks!” But, did investors really lose a decade? Most people, particularly those working off debt, invest mainly in their 401k or other retirement plan. Few limit their investments to the Dow Jones Industrial Average (30 stocks), or the S&P 500, both representing large US based companies. The fund choices within a retirement plan […] Read more »

Warren Buffet Invests In Educating The Children, Will It Pay Off?

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Warren Buffet And Investing For Kids I found the video below on The Wall Street Journal website. Apparently coming this Fall, AOL will be featuring an animated series where Warren Buffet teaches kids about investing.  (Pay attention kiddies!) You Should Know Smart investing is something you definitely want to learn, and it is REALLY important to remember that whenever you are ready to invest, KNOW AND UNDERSTAND your investment.  Don’t put your money into anything if you don’t understand how it works. Also, contrary to what you will hear EVERYWHERE, there are no “secrets“!  There are tips and strategies based […] Read more »

Aaaand…It’s GONE! (Video Post)

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I came across this video and thought you might like a good laugh! I know that for the people that actually were saving and investing their money, this must have been how they felt.  It made me start to wonder if their were some of you that stopped saving and investing when the market tanked…did you?  Why or why not? What’s the consensus? “Market timing is a not a good idea. Investing with a steady hand and for the long-term is a good idea.  However, standing out of the way of a train wreck is not market timing.” – The […] Read more »

11 Keys To Building Wealth For Generations

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  DOWNLOAD THIS BUDGET – I created this budget to give people the tools needed to budget effectively.  Budgeting is very important and I have received many emails about how it has helped people with the process.  Give it a try and see what you think! FOLLOW THESE 7 EASY STEPS TO BUDGETING – Proven methods to help you beat the budgeting blues.  So many people, including myself, have started a budget and before the month ends the budget is busted. It kills your motivation and desire to budget, and before you know it you are right back to your […] Read more »

Debt – [det] A Financial Storm Cloud

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Student Loans Often Overstay Their Welcome Just as many of you, we used student loans.  We had about four total.  We currently have one left and that makes us VERY happy!  We used every last dollar we could squeeze out of our budget, to pay on our debt snowball in March.  We were very blessed and were able to pay off $1,325 which actually paid off one completely.  (See our updated DEBT FREE progress chart.)  I was looking at our current updated balance when I noticed something very amusing.  The scheduled pay off date was not until 10/21/18!!!! 10 YEARS […] Read more »

Invest Your Dollars Wisely Without Fear

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Are You A Nervous Wreck? No matter where you go it is impossible to avoid the dreadful banter regarding the economy. The television is loaded with reasons to be fearful of your life coming to an end, because of the falling market. It's no secret that one reason for this is due to the upcoming election. After all, both sides have only a little time left to convince you that they are the one that is going to make everything all better. (Just lay back, dry your thumb, and prepare to be coddled. Oh, and here is your free Government pacifier!) Read more »