Why Financial Planning is More Important for Entrepreneurs The fox knows many things, but the hedgehog knows one big thing. Archilochus An employee must know what the employer wants, but the employer must know what everyone wants. Employees’ insurance and tax-deferred retirement accounts are most often set up, funded and managed by their employers or…
Starting Over as a Newly Independent Woman It happens; things don’t work out and actions must be taken to adjust and move on. A ship that has survived a violent storm at sea may have to undergo extreme adaptations before continuing its voyage. Passengers may be pressed into service; crewmembers promoted and a first officer…
New to the Finance Game? The most popular outdoor game on the planet involves an object, in the shape of that planet, that is often spotted as if to represent seas and landmasses. Hundreds of millions play the game, while billions are football (soccer) fans. But for a person had never seen nor heard of…
April 5, 2019 By Sterling Neblett If the United States economy were an 18-wheeler, its driver might be singing along with Dave Dudley, “I got my diesel wound up and she’s a runnin’ like never before.” The driver would be looking at clear skies, and a wide-open highway, but an unreliable fuel gauge. Unemployment is…
Independent Income: Precious Liquid “Mama may have, Papa may have But God bless the child that’s got his own.” Billie Holiday All life needs water, some need an ocean, others make do with remnant desert moisture. All members of human society need income. For some of the few remaining untouched indigenous people, income may be…
Independent Financial Success: Blueprint, Recipe or Plan Time is the one commodity that is most needed for completion of any project and also that is in shortest supply. Time is a measure of life in hours, days and years, and only one life is allotted per customer. Given enough time, most anyone can accomplish most…
Independent Expenses: The Hard Part “The journey of a thousand miles begins with one step.” Lao Tzu And the first step is the hardest. Whether just starting an independent financial life, starting one over or taking over the controls that have been operated by another, there is fear, frustration and failure involved in any learning…
Health Savings Accounts: Tax-exempt Life Savings Investments preserve the value of wealth. No more precious possession does a person hold than health, because health affects the quality of life, the one irreplaceable asset. Food, shelter and clothing were once the necessities of survival. But now survival within human society that dominates the habitable and productive…
Banking for Business When Walter White quit his job as a high school chemistry teacher and began manufacturing the best blue ice methamphetamine on the planet, he did not plan for the tidal wave of cash that would come his way. When no more duffle bags of hundred-dollar bills could be stashed anywhere he felt…
Assets: Growing Wealth Assets: Growing Wealth All investments can be divided into two categories, those the investor owns and those that are loans. Two Ways to Invest Own Loan Real Estate Savings Natural Resources Certificates of Deposit Common Stock U. S Treasuries Fine Art U. S Agencies Rare Collectibles Corporate and Municipal Bonds Everyone…
An Entrepreneur’s Plan B Entrepreneurs do not take the risks they do with their time, their money and their reputations in order to secure a comfortable retirement. They do it because that is who they are and what they do best. Some people choose to work at the factory, while others choose to fund, build…
Achieving Balance as a Newly Independent Person “So be sure when you step, Step with care and great tact. And remember that life’s A Great Balancing Act. Dr. Seuss “Everything changes, nothing stands still,” according to Heraclitus. And for some people, at times life can be like living near a glacier. In winter everything is…
What is an Inverted Yield Curve and Does it Matter? What is an Inverted Yield Curve and Does it Matter? March 28, 2019 By Sterling Neblett Centurion Wealth Management On Friday, March 22nd the yield of the United States Ten-year Treasury Note dropped below that of the Three-month Treasury Bill for the first time since…