(To read the absolutely vital footnotes in a "Word" document on the internet, under "view" click print layout or put the cursor over the footnote number.)
websites and other resources.
operate the financial aspects of one's life.
CONTENTS:
SECT. I - PERSONAL MONEY MATTERS (This page)
Investing - Don't waste time and money. Use the 80-20 rule! Includes, of course,
"compounding".
Taxes - The basic, rational, easier ways.
Estate Planning
Money - Viewpoints about money
Retirement
Home - Rent or buy; Location; Mortgages - 15 or 30 year, Prepay?
Money-flow management
Spending & Efficient Buying
Credit management (and fraud protection)
Debt management - See also home equity lines
Cheapest? Making it easier.
includes the following areas:
Business - Including MLM, money making schemes, success, planning
Career - Selecting the right one and managing it is crucial.
Work - How you work makes a huge difference in your life.
See also: SUCCESS - Which covers the steps needed to get the results you want versus just
trying to use "positive" thinking and/or "The Secret".
alot of money and alot of time and make a big difference in your life.
Note: To be added to much later, as there are adequate books to cover the situation at a good level. There is much written already that is useful, so I've identified and recommended a few really useful books. This site will have a few supplemental, to-the-point directions and guides, plus some pretty darn workable insights, as this has been my area of practice for more than a quarter of a century.
For more references, see the
INVESTING - See also The Financial Operating Notebook: Site Map VA
Books
to Amazon.com. If you'll read one book, it might be
The Smartest Investment Book You'll Ever Read - The Simple Stress Free Way To Reach
Your Investment Goals, Daniel R. Solin - Do this and you'll do what works and what also
saves an enormous amount of time and cut any concern dramatically.
Summaries
"eight wonder of the world."
Section: Is my manager performing?
perspective to better do a reasoned evaluation.
read this.
Get Rich Quick...
and the 10 realities that apply here!!!!
save lots of headaches...
Other Resources
Several good comments and effective implementation have been made from the training in
Millionaire Mind (Be sure to get a scholarship to the initial one. The seminar comes highly
recommended by those who have attended it, without exception. However, beware that most
attendees to the free three day initial seminar spend alot on follow up workshops. )
Websites: See recommended websites.
TAXES
split this in an unrealistic way.
FINANCIAL PLANNING - See also THE FINANCIAL OPERATING NOTEBOOK: Site Map VA !
Websites (see Recommended Websites for a more complete list):
www.analyzenow.com - Good articles on retirement and a few simple free calculators. (The products or services are not endorsed by us.)
Book (see other recommended books also): The Total Money Makeover Workbook, Dave
Ramsey
Estate Planning
incentivize
leaks, then the incentives won't work. Avoid the enabling behavior.
Sudden Wealth - What happens to people when they receive unearned wealth.
Money - Viewpoints About
Free e-book: Science Of Getting Rich, Wallace B. Wattles. Provided via the following website:
in the middle of that document.
Retirement
miscalculate how much money they'll need to retire. This very safe strategy
allows them to have more income for a longer life.
many cases and in others it could provide a distinct advantage.
Home related: www.bestplaces.net, www.homefair.com, www.relocationessentials.com
Home
Related to borrowing:
resource is recommended for your understanding only, shopping for the service is
up to you.
funds, you can obtain a higher guaranteed rate of return on them than you can in
the investment market.
The Excel sheet to back up the calculations - If you have a spreadsheet
program you can use this with formulas already imbedded in them.
idea, then read the next one if you are being sold a "program".
conversations where people are ignoring compounding of interest and return.
caveats and alternatives in this piece - go directly to the discussion at the end if
you just want the bottom-line (key important points).
The house itself:
Appropriate size and high function - See Compact Space Living on
and/or reduce commute time for a better life.
surprised at the effects of the one you wouldn't have guessed would be the most
important!
Smart building of the "not so big" house: www.notsobighouse.com
Spending -
effective way for what you really want in life. The lifestyle you choose can be one
of the most life determinant choices you'll ever make.
highest effects and get 80% of the benefits with 20% of the effort.
Coming soon. If you want it sooner email to keithkahuna@yahoo.com.
Specitic Costs:
www.edmunds.com ("costs to own" calculator) and www.consumerreports.org.
Related to couples:
expenses.
way that does not reflect reality. Excel version of the couple's expense
worksheet you can modify.
Books:
Cut Your Spending in Half Without Settling For Less, Editors of Rodale Press -
Great resource and reference to be clear and remind yourself of what to do.
Consumer Reports (Year) Buying Guide, www.ConsumerReports.org
Websites:
About shopping: www.thegrocerygame.com, www.grocerysavingtips.com,
www.couponmom.com,
For savings: www.thegrocerygame.com, www.couponmom.com,
www.stretcher.com, www.grocerysavingtips.com
Credit Management
Identity Theft Resource Center www.idtheftcenter.org
Credit reports (one free per year per each of 3 bureaus)
www.annualcreditreport.com
Freeze credit reports. How to: www.privacy.ca.gov
Use only https websites for shopping
Debt Management
Under Homes, see Mortgage related. See also "Money", as there is undoubtedly a
money attitude and/or knowledge problem. Read at least 2-5 books in the area.
and you have an asset (almost always real estate), this may be your only
alternative.
