Finances

Tax Free and Risk Free Money

Tax Free and Risk Free Money

I’ve recently been hit with the realization that what we’ve been taught about IRA’s SEP’s, 401K’s, etc. is a big crock for two reasons: Putting of paying taxes (what they call tax deferred) is a horrible idea. Diversifying your money in the various mutual funds is very risky, at best. Much has been written on this over the years, but let me summarize this briefly, and in plain English. Taxed…

Rich’s Bucket List

Rich’s Bucket List

For me, in my life right now, this may be one of the most important blog posts I have written in a long time. It’s my bucket list. I turned 51 last month, and as I move toward the autumn of my life, I want to create a list of things I want to accomplish before I kick the bucket. This bucket list will require some changes in my life…

Three Things For The Next 8 Months

Three Things For The Next 8 Months

Whew… it is almost May. I hate being that person who says, “look at the time go by.” That’s the thing, I don’t want to watch time go by. I’ve become too aware of the shortness of days over the last 9 months. So many people have passed that were close to me. I want to savor and relish the days and hours. That got me to thinking… what are…

What’s Up For 2009??

I have been spending quite a bit of time thinking and planning for the new year… 2009.  There’s lots to consider, and much to be hopeful about.  One thing is for sure.  I never felt better about my decision to be doing what I am doing on the Internet than I do right now. After spending time with different family and friends over Christmas, hearing about layoffs at their jobs,…

McCain or Obama – Does It Really Matter?

I have mentioned before that in the grand scheme of things, Americans are putting WAY TOO MUCH emphasis on the outcome of this election.  Why? Because in the larger picture, no one president (even with a majority in the house or senate) can control your life… for the good or bad.  I am 100% behind McCain and Palin.  100%.  But, that doesn’t mean I am putting my hope in them. …

Success Diminishes Opportunities

I don’t know how many of you saw the Warren Buffett interviews this last weekend.  I didn’t watch all of them, but I was able to see enough to impress me with the wisdom this man has.  While I am not all about worshipping the wealthy, there are a few people that are worth your attention when they speak because, generally, their wisdom goes beyond just making a buck… it…

Biting Back At Gas Prices – Part 2

This is part 2 of my original post on how to beat the gas prices.  If you missed that post, just go to Fight Gas Prices. Now, I mentioned that most Americans are seeing an immediate hit on their budget of about $400 extra bucks a month.  So, if you bring home $3200 per month, you just lost 12.5% of your income due to the compound effect of the rising…

Biting Back At Gas Prices

I’m really sick of all the stuff with gas prices.  There’s no reason for it except for the fact that both the oil companies and the OPEC nations can do it to us… because they know we’ll pay.  Also, I’m sick of the comparisons saying “Gas in America is cheap compared to England.”  Who cares.  That’s not even a fair comparison because of the use of public transportation and how…