MATERIAL AND FINANCIAL MATTERS
AND STRATEGIES



This section is not meant to provide massive coverage of the subjects.  Other sites will be referred to.  However, where I do not find what I want, I write on specific strategies and tactics (and logic!).

(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.)

  Be sure to review the FINANCIAL AND MATERIAL RESOURCES section, for books and useful
      websites and other resources.

  See also the: FINANCIAL OPERATING NOTEBOOK - A system with forms to organize and
      operate the financial aspects of one's life.   

CONTENTS:

      See separate section for:    BUSINESS, CAREER, WORK.
 

SECT. I - PERSONAL MONEY MATTERS (This page)

                    Investing - Don't waste time and money.  Use the 80-20 rule!  Includes, of course,
                       "compounding".
                    Psychology of Money - Money In Our Minds.
                    Taxes - The basic, rational, easier ways. 
                    Financial planning - Then scroll thru the following: 
                           Estate Planning 
                           Money - Viewpoints about money
                           Retirement
                           Home - Rent or buy; Location; Mortgages - 15 or 30 year, Prepay? Etc.
                               Home And Real Estate Contents/Links
                           Money-flow management
                               Spending & Efficient Buying  (Spending And Expenses Contents/Links)
                               Credit management (and fraud protection)
                               Debt management - See also home equity lines
                           Insurance
                                Do You Need Life Insurance?  The Intelligent Use Of Life Insurance        
                    Lifestyle - Efficient living, compact living
                    Travel, Vacations - What are your ideal vacations?  Buy a timeshare?
                                                 Cheapest?  Making it easier.

SECT. II - GENERATING MONEY INFLOWS - BUSINESS, CAREER, WORK (Separate page.)

                    Generating Money Inflows: Business,Career, Work - The link to the page, 
                        which 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.

                    Choosing Your Career, Business Contents Links - Do it right!

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".

               The Quicker/Better/Easier Way To Wealth Vs. Reality - Read this.  It could save you
                   alot of money and alot of time and make a big difference in your life.
                   Wisdom Of The Seasoned - Although on trading, it applies to all money
                       opportunities.

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

               Financial/Material Websites and Services          
               Recommended Websites and Services website page and
               RECOMMENDED BOOKS AND TAPES website page. 


SECT. I   PERSONAL MONEY MATTERS (ClarkHoward.com is a good site.)

Best Overall Financial Strategies, In Order Of Efficiency and Effectiveness - Being developed, but posted anyway

INVESTING - Investing Main Page - Go to this page, replaces this section.

See also The Financial Operating Notebook: Site Map VA  

Books

    Several books are recommended. See Recommended Books and Tapes and order via the link
       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

                Should I Buy Real Estate Properties Myself?  
                The Time Value Of Money, Compounding - Understand this, as Einstein calls it the
                   "eight wonder of the world."

                Section:  Is my manager performing?
                     Which Approach Works And When - Consider using these yardsticks and this
                         perspective to better do a reasoned evaluation.
                     Should I even have an investment advisor? - The tradeoffs are great.  Be
                         sure to read this. 

Get Rich Quick...

   The Attraction: A Quicker/Better/Easier Way To Riches Vs. Reality - You can't deny economics
       and the 10 realities that apply here!!!!
   The Trading Wisdom Of A Seasoned Professional, For The Unseasoned - Follow this and
        you'll 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. 
                      www.bankrate.com for interest rates on anything (CD's, mortgages, etc.)

TAXES

                 How To Split The Income Taxes For A Couple Married In Later Years - most people
                    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 - Moved to Estate Planning Contents/Links page.


Money - Viewpoints About

                   Sentences About Money - Converting Disempowering to Empowering 
Free e-book: Science Of Getting Rich, Wallace B. Wattles.  Provided via the following website:
                      www.journey-to-success.com/success_step_two then click on available download
                      in the middle of that document.

Retirement

                    Do I Have Enough?  Prolonging Your Money Over More Years - Many people
                      miscalculate how much money they'll need to retire.  This very safe strategy
                      allows them to have more income for a longer life.
                    Social Security - Take It Now Or Take It Later? - This could be a vital decision in
                       many cases and in others it could provide a distinct advantage.

             Home related:  www.bestplaces.net, www.homefair.com, www.relocationessentials.com

Home And Real Estate - Go to Home And Real Estate Contents/Links.


Spending And Expenses:   Go to Spending And Expenses Contents/Links

A critical part of spending involve one's housing.  See Home And Real Estate Contents/Links


Websitewww.personalfinancebudgeting.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.
                         See Financial Resources.

                    Hard Money Borrowing - When you can no longer borrow based on income or credit
                         and you have an asset (almost always real estate), this may be your only
                         alternative.


LINK TO TRAVEL, VACATIONING PAGE




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The Financial Success Checklist - Follow this and life will be much easier and work better.