FREE 2014 Calendar and Day Planner Download!

by Ron Haynes

Its getting to be about that time … time to get your new calendar set up. If you use a day planner, here is an 8.5×11 inch model that costs you nothing but some paper, printer ink, and a three ring binder. And it’s pretty functional too with a heavy emphasis on goal setting and achievement. The […]

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Why I Bought Life Insurance On My Kids

by Ron Haynes

One of the biggest myths surrounding the purchase of life insurance is that you’re only insuring income. Nothing could be farther from the truth. Don’t believe me? Skip asking an investment advisor and just ask anyone who’s lost a loved one and had to go back to work the day after the funeral as if […]

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5 Reasons to Abandon Television

by Ron Haynes

Abandoning television is a serious step in today’s society. Television is both a fantastic resource and a faceless attacker of wealth. It has the ability to inspire and the ability to depress. It can make you happy and scare you to death, it can inform and educate, but it can also help you waste your […]

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Don’t Let Short Term Needs Overwhelm Your Long Term Goals

by Ron Haynes

With the majority of us living longer than the inventors of Social Security ever anticipated, it’s becoming obvious that few of us are saving enough for a prolonged retirement. Consequently, there has been a great deal of discussion about the “pension crises” and the upcoming “savings gap”. Yet this does not indicate that we are […]

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Maximize Your Money When You Belly Up to the Buffet

by Ron Haynes

A sluggish economy has a way of making people look for bargains. I recently heard on the radio that “all you can eat” buffets are doing a blistering business because people want as much for their money as they can get. I don’t blame anyone there. Buffets can be great places to get more bang […]

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Beware of Black Friday Bait and Switch – Here’s How

by Ron Haynes

Inside the store, shoppers were willingly herded like cattle through doors and chutes to certain areas, spellbound by the “deal.” They all carried ad circulars and previously purchased packages while speaking loudly of their plans and strategies. Some used their cell phone browsers to look up other deals at other stores, others announced their plans by speaking to “team members” (I’m assuming family) in strategic code over handheld radios with all the crispness and precision of a team of Green Berets. “Did you get the LCD? What’s your location? Send Bobby to get in the DVD player line and I’ll hook up with him there. Send Hannah to either the RC toys line or the GPS line and get back with me when they arrive. Over.”

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Are You Ready For Black Friday?

by Ron Haynes

photo credit: djliciousThe symptoms are all there: long, slow yawns, droopy eyelids, long lines of people waiting outside in the cold at 4:00AM. It’s Black Friday! Black Friday is the Friday after Thanksgiving here in the US and it kicks off the start of the traditional Christmas shopping season. Supposedly called “Black” Friday because it’s […]

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Five Signs of a Troubled Company

by Ron Haynes

Troubled companies often have too many people making rules at the expense of principles. Principles should be the guiding forces behind everything a company does. The most important principle: Customer Satisfaction. A company that initiates a rule for every potentiality without considering how those rules will affect a front line employee’s ability to attract and retain customers will have frustrated employees and dwindling customer transactions.

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Mining the Miners: A Different Way To Make Money

by Ron Haynes

Levi Strauss arrived in San Francisco in 1853, just 5 years after gold was discovered at Sutter’s Mill in California and opened the western branch of his family’s dry goods store. In the years after gold was discovered, hundreds of thousands of people arrived in the Golden State to pursue the American Dream and Levi […]

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The Problem With Financial Gurus

by Ron Haynes

Today, gurus are everywhere. They’re on television, the Internet, and most forms of media. It’s hard to turn on the radio and not hear some self-acclaimed financial expert tout the joys of everything from debt reduction to using paid advisors who pay him to push their services on his audience. But please remember one thing […]

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An Overlooked Way to Save Energy in Your Home

by Ron Haynes

Building experts have known for years the importance of having a “tight” home. By taking small steps such as caulking, using moisture barriers, increasing insulation, and replacing poorly performing windows, homeowners and builders have been able to increase the energy efficiency in today’s homes. But there’s one area that has been overlooked: leaky duct work […]

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The Myth of Self Discipline

by Ron Haynes

In reading the lives of great men, I found that the first victory they won was over themselves … self-discipline with all of them came first. —Harry S. Truman Myth: Self discipline is something that you either have or don’t have. Fact: Self discipline is a tool that you use or don’t use. Self discipline […]

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Money is 100 Percent Emotional

by Ron Haynes

Take just a few moments and complete the sentence: “If I had a lot more money, I would [fill in the blank].” Of all the people I have asked to fill in that blank, it never ceases to amaze me how diverse the replies are: “…retire, relax, and travel.” “…get rid of the shackles of […]

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