Even the worst possible news can lay the foundation for a positive future.
“It’s all in your head”, as someone wise once told me. There are always two sides of the coin, and always another way to look at something. Consider the following examples.
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Want to save more? Sometimes, having a good career is just the way to do it. So, how do you advance your career? Listen to what this guest poster has to say.
I ran the marketing team for a technology company in Silicon Valley in my previous job. One of my direct reports, a smart and talented young man, would come to me with virtually every decision he had to make. No matter how many times I explained that I expected him to make decisions himself, he would invariably come to me a few hours later with another. At one point, the email from this individual accounted for about 30% of my daily email traffic. I left my previous position to join my current employer two years ago, but I can tell you that things may not have ended well for this otherwise excellent employee had I stayed with the company.
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Over the holidays, my husband’s family spent quite a bit of time with us. His brother mentioned that he is expecting a nice, large tax return. “I use it as a sort of savings account,” he said. “That way, I know I’m getting something back.”
Before I could help myself, I blurted out: “But why? You’re giving a free loan to the government. That’s money that could be working for you!”
My brother in law’s remark isn’t really very rare, though. Many people view their tax returns as a sort of savings plan. They don’t claim all of their exemptions when they fill out their W-2 forms, or they have extra money withheld from their paychecks for taxes. That way, when the end of the year comes and it’s time to prepare the tax return, a tax refund is offered. In fact, the IRS reports that the average tax refund is more than $2,000. While that is a nice chunk of change, getting it back from the government isn’t exactly the most efficient way to build wealth.
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A Mcdonald’s combo now costs $7 but it used to be less than $5. Then again, the McChicken sandwich used to cost $2.45 and it’s only a buck now.
Inflation is a phenomenon that most people hear about often. The media reminds us of it, our financial planners talk about it and if you need a play by play, just talk to grandma for the nickel Coca-Colas that they save their money to buy.
Inflation is real, inflation is scary and inflation will erode our purchasing power. But yet, inflation is exaggerated.
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Most people in this country have at least one subscription that they pay for regularly, be it a magazine or newspaper. For newspapers, It’s a waste of money under the best of circumstances because news is fresher online. I mean, even small, local papers have an online edition. For magazines, even if you really read them, can still be bought using creative ways for a cheaper cost.
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Seriously.
You think I’m just joking, but retirement is no laughing matter unless you already accumulated millions and retired early (in which case you can laugh out loud 24/7). I think everybody should max out their Roth IRA, right now.
Here’s why.
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