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In a strange twist of fate, it's okay to be average. Funny right? Being average gives us the advantage of using our brains to get ahead. Luckily, we can increase the productivity of our brains by reading and taking action. In "Retirement Planning for the Average Person," we talked about the "don'ts" for the average person. We average people don't have the luxury of buying nice vehicles and going on expensive vacations. Eventually, when we become rich,...
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The average person is risk-averse and won't take any chances with their money. Understandable, at least for now. However, we still need to keep our money working, even if we receive a small return on investment. The Super Safe Savers will get you heading in the right direction, with little to no risk. However, their biggest disadvantage is losing ground to inflation. The Super Safe Savers include high yield savings accounts, certificates of deposit,...
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You've come a long way to get where you are at. Whether you are in the military or not, you have sacrificed much just by going to work every single day. You have dealt with traffic, bad bosses, and countless frustrating phone calls.
My name is Josh, and I am an active-duty US Marine with the rank of Master Gunnery Sergeant (E-9). I have seen a lot in my years-been to Afghanistan, served in Africa and Turkmenistan.
However, one of my greatest accomplishments,...
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There are tons of "net worth" millionaires roaming the streets. Don't be fooled by their bragging and showboating. Most of them bought the right property at the right time. Or they invested in Tesla and let Elon Musk do the heavy lifting. The question becomes if they sold their stocks or homes, how would they invest the money to achieve the same results? Building a high net worth doesn't always take much financial education. We need to buy a home,...
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Life is full of tough choices, so I present another one for you to mull over. USDC and Series "I" Bonds currently offer yields over 9%. Where should you invest your hard-earned money? Inside, I go over why so many people value having a large stash of USDC. Also, we look over the historical yields of Series' "I" Bonds. These high yields won't last long; however, their safety is unwavering. Of course, as investors, we want to diversify into both of...
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The greatest threat to our wealth in our 70s is long-term care or some other medical emergency.
We can prevent these scenarios from destroying our lives by preparing as early as possible.
We can use long-term care insurance to dampen the costs of being put in a home. However, we can also use passive income to pay these costs.
By planning to make tons of passive income, we ensure we get the care we need moving into our later years. This protects...
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It is a new age, and it comes with a new financial product. I logged in to pay my car note, and I had the offer to skip a payment. Wow, for a $25 fee, I can be in the same financial position as last month. Make no mistake; this is a dangerous proposition. It is essentially a payday loan to yourself-putting a bandaid on the problem. Instead, finding the source of your financial trouble is much more challenging. Prepare yourself because it will only...
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Are you entering the Christmas season in debt? Do you want to enjoy Christmas in a debt-free, cash-flow-heavy environment? You can have it all and then some, but it comes at the cost of financial discipline. First, you must determine your emotional connection to money and spending. Next, you must live on a budget and pay down all your debt. Saving and planning are the next steps. Finally, creating passive income from assets will give you a positive...
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Do you want to work for 35 years to receive $3,000/month in social security benefits? That sounds like a bad deal to me. I would rather create a $3,000/month paycheck by age 45 and grow it into a $20,000/month paycheck by the time I turn 66. But where do you start? I choose income investing as my investing style of choice. It's not for everyone because it requires knowledge, research, and faith in the system. However, if you can understand the order...
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Investing doesn't mean you have to jump headfirst into the stock market. We can build an excellent portfolio using only interest from debt. Treasuries from the US Government are a great way to earn a return on your investment dollars safely. Remember, low risk equals low return. Since treasuries are low-risk, you won't get great returns. But sometimes, safety is its own form of return. Combing treasuries with a high yield savings account, "I" bonds,...
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The world has undergone some changes. Long past is the days of working for the same company for 20+ years and receiving a nice pension. We have to survive on our own today.
The gig economy tells us that we can work how we like and grow if we want. However, it doesn't tell us how to build ourselves towards retirement. We have to create.
We need to create a business, a retirement, and a dream. It's all on us; nobody is going to save us.
The first...
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The most significant risk in your 60s is overspending on your family. We worked so hard to grow our income and assist our children, but our top priority is to protect our wealth.
We cannot make emotion-based decisions. We would love to send our grandkids to private schools or buy massive houses, but it may not be in the cards.
We have to make decisions based on facts and logic. Our choices affect the long-term health of our family for generations.
We...
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In the olden days, allocating a portfolio between 60% stocks and 40% bonds and using the 4% withdrawal method would yield excellent results. You could outlive your investments. Today-not so much. Bonds yields are at all-time lows, and factoring in inflation puts you at a negative return. So what's an investor to do for fixed income? There are many ways to combat low bond yields, and I go more in-depth inside the book. However, it is essential to utilize...
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Dividend Growth Investing is a beautiful way to spend your time and grow your net worth and income. However, many of us do not have the time to manage 15-25 dividend stocks in a DGI portfolio. Can we substitute Dividend ETFs instead of DGI stocks? Yes and no. I do more in-depth inside the book. However, there are pros and cons to letting an index manage your stocks via ETFs. I have Dividend ETFs in my portfolio, and they have performed well for me,...
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Eat millionaires for breakfast.
If there's one thing self-made millionaire Brad Sugars knows, it's that getting rich is a lot simpler than most people realize. In Billionaire in Training he puts you on the fast track to wealth creation through buying, building, and selling businesses-and doing it at a faster pace than you ever thought possible. Discover how to:
• Climb the 5 Levels of Entrepreneurs
• Buy promising businesses, increase their...
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It's time to step up our Passive Income game. We are progressing into deeper topics today as we jump into income investing, REITs, and royalties.
A misconception is that you need a lot of money to get started with real estate. Nope. Real estate is a mindset. Having a roommate paying you $500/month is the same as owning a home that nets $500/month.
Income investing can be risker than dividend growth investing because the high-yield securities are...
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Saving and investing are similar yet vastly different. They both require discipline with money and budgeting. However, saving is for protection, while investing is for generational wealth and retirement. Just because you are a saver doesn't mean you can't get a return on your money. Now, more than ever, there are safe places to store your money while obtaining yield. In this book, I compare Savings "I" Bonds, Treasuries, and USDC to see where you...
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Inflation is upon us, so how do we defeat it? I guess we could work more hours at our job. Or better yet, get a second job driving Uber or delivering pizzas. That sounds like a great idea.
I was just kidding. Don't solve your problems by exchanging your time for money. Every time we do this, we'll have to work more hours to earn more pay. It's a hamster wheel that we call the rat race.
Passive income is the answer. We need to build passive income...
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Building good "time and money" habits is difficult, especially if we are overcoming poor behaviors. One way to form good habits is to reward ourselves. Passive income is a mindset and a lifestyle. Every day we need to review our income sources and tweak them to get better results. If you invest in dividend-paying stocks and cryptocurrencies, then every day, you need to check the markets. If you invest in real estate, you should read a daily blog about...
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They told you that your 401K was enough for retirement? Were they lying, or can you survive on your 401K? A little of both. Even if you have millions in a 401K, you need to convert that money into productive income. Or you can create streams of income in addition to your 401K. Having a 401K, social security, and a pension are significant steps towards living a comfortable retirement. However, if you add dividends, bonds, royalties, rental income,...
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