Millionaire Rule #2: Live Well Below Your Means. Living below your means is critical to your financial success. In order to achieve financial independence you must spend less than you earn (at least through the first half of your earning years). This can be difficult especially when many of us live paycheck to paycheck. The […]

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Millionaire Rule #1: Invest in Yourself. I cannot overemphasize the importance of this rule. It is critical to your financial success that you spend time investing in yourself as this most likely will determine how much income you earn. It also significantly boosts your self-confidence. Whether you attend a college, vocational or trade school, it […]

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After looking for what seems like years, my husband and I finally purchased our dream home. Buying a home is filled with excitement but can also contain financial risks, e.g., selling your home under a contract that is contingent on the buyer selling her existing home. While the process can be time consuming and hurdles […]

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Just recently on NBC news was a special about the road to retirement. I’m in my early forties so much of my immediate focus is on maximizing 401k contributions and growth not on receiving retirement benefits. However, when the broadcaster mentioned a return of 8%, he caught my attention. Thanks to DVR, I was able […]

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To give or not to give that is the question … why do some people generously give and others do not. Does it stem from religious beliefs? Do some of us have an emotional pull that wants to help those in need? Do you believe in order to get you must give? Or is it […]

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Characteristics of a Millionaire

March 1, 2013

Can you select which of these two couples is the Millionaire? Couple #1 Couple #2 If you selected couple #1 you are wrong! Many millionaires achieved financial independence through hard work and sacrifices. They are discipline to live well below their means. Millionaire Rule #2: Live Well Below Your Means. Characteristics of Self Made Millionaires […]

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Give It Away

October 8, 2012

This week our church encouraged us to be generous – to perform random acts of kindness. They challenge each family member to choose something they can give away to a friend or someone from work or school. The donated item should be in excellent condition and hold some form of personal value. They also instructed […]

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Ways To Save on Beauty

October 3, 2012

I just recently visited an upscale salon for a haircut and highlights and it cost me a staggering $200 – that’s about a week’s worth of groceries for my family! My appearance is important to me and I’m certainly no spring chicken so this prompted me to explore my beauty options and look for ways […]

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Career Plan

September 26, 2012

Managing your career and obtaining an education are two key factors that determine your income level. Your career will most likely last you the rest of your life so it is important to select a profession that you find enjoyable and fulfilling. Millionaire Rule #1: Invest in Yourself. When planning your career, you should consider […]

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What is Social Security?

September 10, 2012

Social security is a mandatory insurance that will provide benefits in the event of death, disability, health problems or retirement. It is not an investment and should not be treated as your primary source of retirement support. Even though social security allows some of today’s senior citizens to live in modest comfort as opposed to […]

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