Eliminate Collision Auto Insurance – Boost the Budget!

Eliminate collision auto insurance - boost the budget!

  So I did something crazy last week… I was having a conversation with our insurance agent and just went off on a tangent about collision auto insurance. “What do we save to eliminate it?” I asked him.   “Well, Mike. If you don’t have collision coverage, and you get into an accident, you’ll have to pay 100% of the repair costs…”   Continue reading below to see why that above statement, although true, didn’t phase me in the least. Because I went ahead and eliminated collision auto insurance for both of our vehicles… Then I had to think of a bullet-proof pitch to sell Monica on the idea. Here’s that pitch:     Let’s start with discussing the benefits of collision auto insurance. This should be pretty straightforward: If you wreck your car and you are at fault, collision coverage will pay for the cost of your vehicle repairs after […]

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Hey Boeing – There’s No Wrong Time to Do the Right Thing

Hey Boeing - There's No Wrong Time to Do the Right Thing

  In this Current Events Friday’s Post (CE-Friday’s), we’re revisiting our friends at Boeing and asking why a company so large (and successful) can’t seem to get its act together with this international safety issue they’ve got going on. Then we apply the Boeing crisis to our lives and I’ll ask how you work to stay on the moral and ethical high ground.   CE-Friday’s – “What you need to know today in less than 500 words”       The Boeing crisis started well before the first crash   A couple of weeks back I wrote about a few recent events centered around two companies (Starbucks and Boeing), and more importantly the stark contrast of how those companies responded to recent crises.   Starbucks had a difficult issue around race and equality take place in one of their stores so they shut the company down for 4 hours, conducted […]

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4 Ways Mindfulness Can Help You Reach Your Money Goals

4 Ways Mindfulness Can Help You Reach Your Money Goals

  Mindfulness has been shown to positively impact many aspects of our lives, from physical and emotional well being all the way to career success. But, when it comes to your own personal finances, it can be to easy to overlook the benefits of mindfulness practices.    Today, we’ll help you understand exactly how meditation and mindfulness can yield those positive benefits.    As someone who’s been on the bad side of burnout, stress, and a near mental breakdown, I’ve seen first-hand how this daily practice can drastically change your condition and outlook. So if you’re someone who hasn’t tried meditation or doesn’t quite know where to start, let this post serve as yet more evidence in favor of understanding your thoughts and mental outlook.    My friend Bernz is here to clue us in. Take it away, Bernz…   (Photo courtesy of Justin Montemarano)       Unless you […]

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Why Estate Plans Aren’t Just for the Rich

Why Estate Plans Aren't Just for the Rich

  It’s been about 4 years since we created our estate plan. And while the main catalyst for us was the birth of our first daughter, buying our business, growing our net worth, and all the stress that comes with adulthood all helped reinforce with us the need to have an estate plan in place – should the worst happen.   The wrong assumption that I had always held was that estate plans were reserved for the incredibly high net worth folks. But I quickly realized that assumption to be categorically wrong. That’s because estate plans encompass more than just wealth.   As this post will outline, minor children, pets, businesses, assets, and even debts (yeah…) can stick around long after your gone. And rather than leaving things up to chance and heaping a mess on the loved ones you leave behind – this post is designed to educate you […]

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When playgrounds fight back

You know when you’ve got a perfect Sunday in the spring. “The birds are back in town” – and may or may not wake your wife up just a bit too early. Hey, the windows were open because there’s no topping a cool, crisp, freshness during the night. The temperature dips around the mid-50s in the early morning then climbs to a steady 73-75 at mid-day. There isn’t 1 visible cloud in the entire sky, and the plants are finally starting to buy the fact that it’s springtime (we’re in Ohio and day-to-day temperature fluctuations can be astronomical this time of year – flowers, freezing, flowers,…).   Monica and I knew this was one such Sunday. Most of the weekend chores were done on Saturday so we had some spare time. Secondly, we were in that solid window before dinner and right after Clara’s afternoon nap. Timing was right. It also […]

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Why Are you Loyal to the Business That Doesn’t Care About you???

Why are you loyal to the business that doesn’t care about you???

  In this Current Events Friday’s Post (CE-Friday’s), I’m diving into what makes you stick around at the business that doesn’t seem to care… at all. I’ll share 2 experience, tell you what I think the answer is, then I’ll let you know some of what we do to keep folks excited to come back to our office.   CE-Friday’s – “What you need to know today in less than 500 words”     There I was – sitting, waiting, wishing…     In the lobby of my eye doctor, there was only 1 other patient and it wasn’t a particularly busy Friday late morning. Few patients had shuffled in before me and maybe one had departed. Operatories had open doors and weren’t filled.   Yet two ladies manned the seemingly desolate front counter. Upon which phones sat but didn’t ring…   And there I sat for 30 minutes.    […]

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When the Status Quo Can’t Make you Wildly Wealthy but This Can…

When the Status Quo Can't Make you Wildly Wealthy but This Can...

  In a sweet Inception-like game, I wrote this post which was originally published on The Money Mix. It’s all about how we’ve used small business loans to advance our business and personal finances, and it’s packed with actionable intel. Let us know your thoughts in the comments below!     “One hundred fifty thousand on the build-out, two hundred seventy-five on the business, and another couple hundred on the goodwill…” It was like a sick and twisted math problem, circa 1st grade, just adding up all the small business loans we had taken out. Was I stressed and burnt out, and (in an honest moment) just a little terrified…?   I was.   But, at the same moment, I would also admit to feeling as professionally “alive” as I had ever felt in the past. There we were, a married couple in our early thirties and now business partners. […]

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How to Make a Full-Time Income Working From Home

How to Make a Full-Time Income Working From Home

  About a month ago, we published a post about The 10 Best Work from Home Jobs for Stay at Home Parents in 2019. While many readers received some great ideas and enjoyed the post, there is a whole world of possibilities out there.   So, when The Money Mix approached me with this post to syndicate here, I was originally skeptical. But then I read through the post and saw that there were many differences in what they determine are the 10 Best Work from Home Jobs compared with what we had previously published.   If you found something in the first post that is helping you to earn a little extra income – Awesome! But either way – here are 10 more great options, each with an actionable and detailed explanation of how to get started earning yourself a work from home income.   Good luck!   This article […]

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Heads-Up! Early Retirement Can Be Bad for Your Health

Whether you put in your 40 years with the company or are on the 10-year saving spree leading to FIRE (Financial Independence/Retire Early) – you would be wise to glance past the finish line and consider some basic facts. It pains me to write this, but – early retirement can be bad for your health… I mean, really bad…   (Photo courtesy of MKulp Photography)   After years of hard work, early mornings, and late nights of working toward your career goals – that pot at the end of the rainbow can be one of the most dangerous ruses of your lifetime. In fact, retirement ranks in at #10 in terms of the average individuals most stressful life events (Source). Let’s start with the bad news.   Studies from these Harvard, US News and World Report, and Medical Daily articles all discuss some part of the frightening reality that early retirement has […]

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What Are you Doing with your Time, Talents, and Treasure?

  In this Current Events Friday’s Post (CE-Friday’s), Fr. Bob and I are asking you – what are you currently doing with your time, talents, and treasure…? Seriously, I want to know. We’ll cover why I’m curious then I’ll give my breakdown to wrap it up.   CE-Friday’s – “What you need to know today in less than 500 words”   (Photo courtesy of Steve W.)     So, here’s an update then a newsflash for me   Our family (me and the girls) are Catholic and I’ve recently learned that our priest has discovered this here blog… After sitting up a little straighter in church and cleaning up my vocabulary (a little), this revelation has led me to blend some of what I hear on Sundays with what you read here on the blog.   Don’t worry – I’m not going to take you to church…     But […]

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