Monthly Archives: June 2007

Take Control of Your Finances

By |June 14th, 2007|

Managing Your Money
According to Dave Ramsey

I believe with everything within me that your most powerful wealth-building tool is your income. Ideas, strategies, goals, vision, focus and even creative thinking are vastly important, but until you get control and full use of your income to build wealth, you will not build and keep wealth. To build wealth, you will have to regain control of your income.

When we fail to plan, we plan to fail and so there is always too much month left at the end of the money. EVERYONE needs a written budget.

Sometimes I hear, “well, I kinda, sorta know where my money is, ya know. I know what it is going to, ya know. I do my planning in my mind, ya know.” Having a written plan is absolutely necessary. Kinda, sorta knowing what’s going on with your money isn’t going to get you to your goals. Developing a written plan gathers, organizes, categorizes and analyzes information about your money situation. As you do your written plan you will be amazed that answers to money problems will appear easily.

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Insurance: Prepare for the Unexpected

By |June 14th, 2007|

Did you know that from a financial planning perspective, being adequately insured takes priority over saving and investing?  This is because just one unfortunate incident (such as a fire, car accident, or injured guest) could single-handedly wipe out your entire life’s savings if you haven’t protected yourself with insurance.

Fortunately, military families don’t have to worry about paying for expensive medical insurance because we have Tricare (and also dental, if you’ve elected coverage).  There’s SGLI (life insurance for active duty and also available for their families), and if you’re driving in most states and on any military installation, then you’re required to have adequate car insurance, as well. Homes that are mortgaged are usually adequately insured because of bank requirements. However, two areas where you might not be properly insured are Renters’ and Business insurance.

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Drowning in Debt?

By |June 14th, 2007|

Five easy steps to stay afloat. 

Brian McGlinchey, CERTIFIED FINANCIAL PLANNERTM practitioner

USAA Financial Planning Services

The average American has almost $8,500 in credit-card debt. If you’ve got debt, rest assured that a little planning and a lot of commitment can get you debt-free.

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Working Your Way Out of a Work-at-Home Slump

By |June 14th, 2007|

When something is new it’s always easy to be motivated. It’s new. It’s exciting. But what happens when your business becomes ‘hum drum” to you? It happens to the best of us. A slump. A rut. Downtime. Low productivity. We all experience these low periods where our energy wanes and our motivation weakens. We look at the work before us and think, “Why bother? What’s the point?” We can’t get moving. We procrastinate. Days, weeks, and perhaps even months go by, and we seem to accomplish very little. Unfortunately, most work at home business owners choose to move on to the next new and exciting thing. When the right thing to do is to stick with what you’ve got. Sure, even the best network marketers, the best salespeople all hit down time. The secret is they know how to make it through a slump and get right back up on the horse. How do they do it? Here’s a few suggestions related specifically to work at home business owners to help us get out of our home-based business slump. […]

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February is Time Management Month And So Much More!

By |June 14th, 2007|

A friend and business associate informed me that February is National Time Management month. I had no idea! There seems to be a month for everything these days, and I am pretty sure most months are pulling double, triple, or quadruple duty on being designated as a month for something. Out of curiosity, I wondered how many observances were assigned to February. The answer – over 30! I found the familiar observance of African American History month to the health conscious American Heart month. National Pet Dental Month occurs in February, I discovered, because my dog needs her teeth cleaned and I receive 10% off the service. And, I am not kidding, February is also Return Shopping Carts to the Supermarket month and National Hot Breakfast month. […]

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Inner Cheerleader Beats Stress

By |June 14th, 2007|

Do you realize you are always in a conversation? You’re going to argue, I know. You do not spend every moment of your day with other people engaged in discussion. True, but what about the conversation in your head? […]

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Let Your Dreams Take Flight

By |June 14th, 2007|

MOVING. This is a word military service members and their families hear all too often. As a military spouse myself, I understand completely what one must do to prepare for such a life altering event.   Not only does moving disrupt your family’s routine, your children’s friendships and your household, for many it also means putting a career or a dream on hold, again. […]

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Welcoming Customers

By |June 14th, 2007|

You’d think that every entrepreneur would consider it essential to welcome potential buyers and clients to their business, but experience shows that’s not always the case. Browse at any flea market or craft fair and you’ll see numerous vendors who are reading a book or chatting with other vendors while ignoring the crowd. And it’s not just exhibiters that do this: many businessowners seem to wear a “Do Not Disturb” sign — defying anyone to ask them questions or offer them money. Smart entrepreneurs make it their mission to let others know that they are in business to serve. Whether it’s homebased, virtual or bricks and mortar, truly welcoming entrepreneurs are constantly looking for ways to draw others to their business and to make every encounter as pleasant as possible. Here are a few welcoming ideas to include in your own repertoire. […]

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Communication: The Key to Balance in Business and Life

By |June 14th, 2007|

Angie Morgan, Co-Founder of Lead Star, LLC and Author of the Best-Selling Book Leading from the Front (McGraw-Hill)  Last month I was in a crisis.  I was in Texas providing a training workshop for a client.  My husband was back in Virginia, preparing for his first day of work at the Pentagon.  My son, Judge, was going to spend the whole day with his babysitter.  I thought all of my bases were covered until my husband called, announcing that he wasn’t going to get home that evening until 6:30pm. My babysitter needed Judge picked up by 5:00 pm.  We now had a gap in our childcare plan and we were both in a panic. […]

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Beating the Work Alone Blues

By |June 14th, 2007|

One of the most difficult things for new entrepreneurs is the isolation that often accompanies launching a business. If you plan to work alone, you can head off the blues by incorporating these ideas into your schedule. […]

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