Bryan C. Fleming

Building personal wealth is not hard if you understand math. All you have to do is take in more money than you spend. Yet, life isn’t as simple as a math equation and there are various personal factors that can uproot even the best-laid plans. Cash, for instance, may be plentiful when we are single and working, and become scarcer when we are married with several children as dependents. Life also can have a way of throwing unexpected curves like layoffs, disease, divorce, and more. For those occasions, we have to turn to savings or loans to help us through the rough patches. So, how can we make the road a little smoother if we’re not blessed with stunning good luck? Good financial planning can help you stay ahead of the game.

Financial Planning

The time to plan for your future is now. You may be in college, just graduated, or just divorced - it doesn’t matter! There are certain milestones everyone wants to achieve and can plan ahead of time to finance. Things like a wedding, the birth of a child, or retirement are all events that can be planned ahead. Begin to learn how financial products work and how you can make your money grow. The earlier you start, the more it will grow through the power of interest. Find a financial counselor and get a financial check-up yearly.

You should review your insurance needs with them to see if you are covered enough in case of an accident, a health emergency, or the death of a spouse. Insurance is one area that many people fail to investigate until it is too late. Look ahead, and find out what insurance you should be carrying and make sure it covers you in case something unfortunate happens. This is the best way to help you smooth out the path ahead, when the future is murky and you don’t know how good your luck might be.

When things in your life seem Almost too much to handle, When 24 Hours a day is not enough, Remember the mayonnaise jar And 2 cups of coffee.

A professor stood before his philosophy class And had some items in front of him When the class began, wordlessly, He picked up a very large and Empty mayonnaise jar And proceeded to fill it with golf balls.

He then asked the students If the jar was full. They agreed that it was. The professor then picked up a box of pebbles and poured them into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls.

He then asked The students again If the jar was full, They agreed it was. The professor next picked up a box of sand And poured it into the jar. Of course, the sand filled up everything else.

He asked once more if the jar was full. The students responded with a unanimous “yes.”

The professor then produced Two cups of coffee from under the table And poured the entire contents Into the jar, effectively Filling the Empty space between the sand. The students laughed. (more…)

Everyone wants to reach the upper ranks in life.  What most people don’t know is that to do it you must engage yourself in a personal development program.  It’s called personal development because nobody can do it for you.  You must do it yourself.  Nobody can force you.  You must motivate yourself and put the time and effort into it if you want to achieve more in life.  Sadly most people education ends after high school or college. (more…)