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Aunty

Aunty is a new senior citizen and loving this phase of her life. Less responsibilities, less fear of being weird, able to do more of the things that I want to do! Older, yes, slower, yes, but life is even more wonderful in my golden years and I look forward to even goldener ones.

Number of Entries : 365

5 things you never knew your cell phone could do

5 THINGS YOU NEVER KNEW YOUR CELL PHONE COULD DO There are a few things that can be done in times of grave emergencies. Your mobile phone can actually be a life saver or an emergency tool for survival. Check out the things that you can do with it: FIRST The Emergency Number worldwide for Mobiles is 112.  If you find yourself out of the coverage area of your mobile; network and there is an emergency, dial 11 ...

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Real Estate Wealth

Real estate is the most solid way to wealth if you step solidly.  I recently re-attended one of those free 2 hour presentations of Rich Dad education with 2 of my friends offering a free gift just for attending.  I like those free events - they pump you up and get you going and they then push a 3 day class for the great bargain price of great discount off the "original" price of $995.  They are selling educ ...

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For Young People

If you are young and starting off, get a job that you enjoy and do your best at that job - you owe that to your employer.  It is not just that they owe you a paycheck.  You owe them your best effort to earn your pay. Learn about investing.  Learn from as many people as you can at first.  Just don't buy those super expensive programs or courses.  Lots of them start off with a lot of bull and hype and tell yo ...

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For Uncles and Aunties

If you are older (fellow Aunties and Uncles), you probably did it the way we all assumed was the right way.  You scrimped and saved and bought your own home and have been paying very high mortgage payments for the past many years.  However, you are almost all paid off, and you have a lot of equity in your home, or it is already paid off and you feel really good about that, especially since your home has gre ...

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Financing

The #1 response I hear that hold people back from investing is, "But I don't have any money!"  Robert Kiyosaki says money is a tool.  Can you agree with that?  If you can, then what would you do if you needed to do a job and you didn't have the right tools to accomplish that job?  You find a way to get it so you can do the job.  Same as money.  Find a way to get it (legally). We all have unique situations a ...

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Taxes and the IRS

There is a saying that 2 inevitables in life are death and taxes.  If that is so, it is just man's nature to try their darnedest to avoid either. I don't want to die (yet), but when the end comes, I go.  Regarding taxes, believe it or not, I don't mind paying.  If I benefit from the roads, bureaucracy order, police, firemen, post office, clean air and water regulations, freedom of choice, democracy, etc, et ...

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Find your Focus

I have read or tried a lot of excellent techniques on time management, setting goals, achieving greatness, etc.  I start off in one direction, then get side tracked and move in another direction, and many times at the end of the day/week/month, I haven't done much.  My problem was too much of everything. Having too many wants, passions, concerns, goals, techniques will pull you in too many directions and yo ...

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Why LLCs?

Here are notes that I took during a Michael Bowman (favorite attorney) did for BOSS Business Services/Anderson Business Advisors. I use Michael to form the LLCs for me in Nevada.  I have filed for our own LLCs in Hawaii via the Hawaii State website.  LLC renewals in Hawaii are only $12.50/year.  LLC renewals in Nevada are $400+.  So why do I even have Nevada LLCs?  Because currently, our rental income prope ...

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Legal Entities

I take a LOT of classes, read a lot of books (audio books are fantastic and I sometimes pop them into my car while driving long distances), and learn as much as I can as well as I can in our quest to become financially free as risk free as possible.  Legal entities are a must.  You might never be a victim of a lawsuit or an IRS audit, but if you ever are, you will be glad you set up your business/investment ...

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Mortgage acceleration payoff programs – some caveats

Do NOT waste $3000 on the Money Merge Account program from United First Financial to eliminate your mortgage in a few years.  It is cumbersome, time consuming, and limited.  All their hype about algorithms and such with the juggling of at least 2 accounts is easier achieved with chunk payments.  [This company has changed their name to "Worth Unlimited" - same players, same game.   Mahalo to Joe Taxpayer for ...

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