COUPONING At first, I thought coupons and discount cards were not worth the trouble. I had a discount card in Rochester, NY, for the great deals. Upon a move to Phoenix I was going to skip it my first grocery trip. 15 minutes later I was adding up how much I would save with the
GIVE YOURSELF A RAISE In business you get two kinds of managers. Some are the classic salesman or entrepreneur. They are “Top Line” guys. By this I mean they care mostly about the top line of the income statement, which is the net sales line. Any problem, they feel, can be solved by bringing in
What shift should you work if given a choice? The path to the “hustle” life is not direct. Even when you have it going, you might take a “regular” job for a short time because you need to, the money is just too good, or it is a part of your plan for being
TV IS NOT WORK REALITY. REALITY IS NOT WORK REALITY Americans are a depressed lot. Antidepressant pills get prescribed like candy. In a wealthy society, in a land of plenty. Often well-off people at that, people who’s basic needs are more than met. Why is this? I am convinced a large part is our
Flipping Expenses to Income or Savings Why are broke people always broke? I have talked about it all over this site, but one big reason is they are always giving their money to someone else. With that, they rarely give it to themselves, and hardly ever have someone give them money. All the while they
What They Don’t Teach in School Most people get very poor training in money management. Schools once had “Life Skills” class that touched on it. Parents sometimes teach it and sometimes don’t. From my experience, maybe 20% of people reach adulthood knowing how things work. I knew of one woman who in college got her
Commoditized Degrees All these years of more and more college students 1960-1990s had a weird effect on demand. HR people started getting more and more resumes with a college degree. As time went on, a degree was added as a formal or informal requirement. HR people cannot be blamed here since their attitude was “if
The Opinion of College is Radically Changing! In 2017, the value of a college degree is being questioned like never before. While building for some time as costs rose, the change in attitude really started changing around the time Barack Obama was elected President in 2008. There were twin reasons for this. The first was