04
December

How much should I spend/Invest?

Posted by Bruce - in Blog, investments - No Comments

blue light

You work hard to earn the monies you need to support you and your family with the basic necessities of life but what do you do with the monies (G-D willing) after that? How do we decide what to spend on depends on truly what type of investment we are looking for. Are we the type of person who believes it’s important to save all their monies for a rainy day but what happens if we only see brightness during our lifetime? Or are we the type of person that lives for today and then has nothing for tomorrow? I believe in balance and here are the factors (below) I have tried to implement.

(1) Does the product/service that you purchase exceed the cost you pay for it? After that  that Porsche is gone to car heaven will you have enough memories of it, that it will keep you satisfied when you drive that Yugo (it’s a really cheap car)?

(2) Is this a product/service that you can consider an investment? You’ve bought an extra house in a location that you desire which also has the potential to be rented out and return monies to you.

(3) Does this product/service enable you be involved in something bigger then what you’re involved in now? Owning a part of a business that allows you a chance to grow with that business.

(4) Is this product/service more work then fun? I heard owning a boat is great until you actually own it because of all the work it takes to maintain this property.

(5) Will this product/service enhance your social goals? It is great to be involved in a business but will it take away so much time that you won’t have quality time with any friends or family?

(6) Does this product/service enhance my life in someway? Does it build on my intellectual, physical, and/or spiritual well being.?

(7) Will this product/service bring pride to me? Will I be proud that I tried this even after years have passed?

03
December

The perfect gift is them.

Posted by Bruce - in Blog, Solutions - No Comments

Excited

I believe it’s not necessary to buy a gift of extravagance to make someone happy but a gift that truly represents them.  Sometimes that means the most precious gifts come in small packages. How do you go about finding that special gift for your loved one or person that you don’t hate (too much). Here are some helpful hints.

(1) Find out what they truly like (ex sports team, fishing, reading, watching old Seinfeld episodes).  A present that combines their likes is the best like a book on a Seinfeld episode where Seinfeld went fishing in a Met’s outfit.

(2) If you can’t find their particular interest that meets your budget then buy something that you know that person wants but never would buy for themselves. It could be that special cologne, expensive Chocolate (my birthday’s 1/20) or sexy night gown (not for mom) .

(3) If you’re still out of the price range you can afford then buy them a practical gift. This is a gift that you know they need but don’t have. It could be that emergency radio if a storm hits, or even a heavy pair of socks for those that live in cold weather. Practical may not seem exciting but it truly is useful.

(4) Wait there’s still hope if you’re still strapped for cash. Give a card to this special person with a promise for a   service that they would enjoy (hey keep your mind out of the gutter) it could be cooking them dinner, or cleaning their room.

(4) Wrap the present or card in a fun original box.

(5) Feel good that you didn’t just get a gift certificate but gave a present that truly came from the heart.

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