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Providing Helpful ResourcesThe Reality of Taxes, Interest, and Fees
The average American pays more than half of their income to a mixture of taxes. Off the top of my head, there is income tax, property tax, sales tax, gasoline tax, school tax, and state tax to name a few. Experts estimate that in 2014 Americans paid 54.24 cents per...
Cash Flow Opportunities
As you move forward in your financial journey, you should continuously ask yourself, "What opportunities do I have available to me that will free up extra cash that could help me progress faster toward financial freedom?" Additionally you should ask, "What erodes my...
Have You Ever Bought a New Car?
If you ever bought a New Car, you know that depreciation will devalue the car over time. The steepest depreciation occurs in an auto's first two years, when its wholesale value plummets 30 to 40 percent of its original sticker price. So it's not long before the value...
Debt Elimination Before Investing
I am often asked why I hold to the concept of eliminating debt before I promote investing. Many clients believe that minimally servicing their debt in concurrence with investing their surplus cash will give them greater financial security long term. My argument is...
Budget – Stop the Excuses
Most people cringe when they hear the word "Budget" and many people deny that they even need one. Budgeting lies at the foundation of every financial plan. It doesn't matter if you're living paycheck to paycheck or earning six-figures a year, you need to know where...
Why do people avoid budgeting?
There are many people who don't believe in the concept of budgeting. They believe they know where their money is going even if they had no money left before their next pay check. Most people believe that they aren't earning enough to meet their expenses when the...