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PAYCHECKS!   INCOME!!  NOW WHAT?

 

 

How do you move forward financially

 with a little devil on one shoulder telling you to

                    "SPEND SPEND SPEND”,

and a smaller angel (with a tiny voice) on the other

                              shoulder saying

                        “SAVE SAVE SAVE"?

       

          Which voice will dominate your thoughts?

 

IMMEDIATE GRATIFICATION   or  SAVING AND FINANCIAL DISCIPLINE ?

 

It can’t hurt at all to have a little boost to your financial literacy to smooth things out a bit…..or alot. That boost is what this website is all about. You may think that one day you’ll get that one big payday that sets you up for life……THAT'S EXTREMELY UNLIKELY...DON'T PLAN FOR IT!  Remember that military doctrine states “Hope for the best, but PLAN FOR THE WORST”.  You should do that too!

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This website will give you TOOLS  to make better decisions.

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Here's what you'll find in the SUBSCRIBER AREA.

 

1.  The impact of a regular savings plan will be evaluated, and will even be supercharged to allow escalating savings rates as your income increases. Small monthly contributions can lead to impressive savings over time.

 

2.  You'll be able to employ user-fillable forms to understand and execute  strategies for evaluating significant purchases, including automobiles. A financial term, Net Present Value (NPV), will provide a basis for comparing two or more purchase ideas.  Variables in that analysis might include differing sales prices, down payments, interest rates and loan term. 

 

3.  You'll have the tools (user-fillable forms) to quantify the short and long-term financial impact of discretionary spending, including up-scale pickup trucks and tattoos, as examples. The financial loss over time due to excessive spending is HUGE. 

 

4.  The financial merits of purchasing a home versus renting will be reviewed. You'll have a battle plan, again using user-fillable forms, to compare the options.  NPV will be employed as a useful metric. 

 

5.  Long-term performance of multiple investment classes (individual stocks, mutual funds, indexes and real estate as examples) will be compared. How you invest WILL play a significant role in controlling the size of your nest egg.

 

6. The role of the Federal Reserve Board (Fed)  in controlling interest rates may be much larger than you think......  more than a U.S. President.  Control of interest rates by the Federal Reserve Board (Fed) and the independent markets  will be shown to have a dramatic impact on your financial plan.  Interest rates also have a dramatic impact on nationwide economic performance/Gross Domestic Product (GDP).

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7. Finally, a road map for your investing journey will be presented. The case for being a relatively passive investor will be discussed, given that most people don't want to sit in front of a computer screen reviewing company financial data for hours at a time........ and more importantly, the relative success of more passive investing styles.

 

 YOUR ASSETS ARE IN AN INSIDIOUS RACE WITH INFLATION, AND MUST OUTPACE IT!  IF THEY DON'T, YOUR ASSETS AREN'T REALLY GROWING AT ALL!

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Your decision-making must be based much more on sound financial analysis, rather than a wild guess or what you wish to happen.  BELIEVING YOU HAVE THE ANSWER WITHOUT DATA IS A ROAD TO RUIN IN MANY WAYS .