Category Archives: Personal #s

Top of the Curve

In my posts on the Curve and it’s components I talk a lot about “the top of the curve,” the point where the curve begins moving down and to the right. In personal finance terms it’s the time we no … Continue reading

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Keeping Your Eye on the Ball

If I had to choose the most important component of personal financial planning it would be tracking. By tracking I mean the willful act of orienting oneself relative to his curve. The more habitual and routine the act the greater … Continue reading

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Basic Financial Literacy – Part 3

Fin Lit – 1 & 2 covered the first two Ts of the personal finance environment, scarciTy and creativiTy.  This post begins discussing the third environmental factor, realiTy which I organize into the buckets that follow: -Time -The Natural Forces … Continue reading

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Compound Interest – The Eighth Wonder of the World

What did Albert Einstein, Bernard Baruch and the Baron de Rothschild have in common? They all said that  “Compound interest is the Eighth Wonder of the World” “‘Wonder”  means something awesome and inspiring; think Grand Canyon, the Taj Mahal, and … Continue reading

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Automate It!

The idea of budgeting is scary to most people.  It’s charged with trepidation and misconception.  Most think it’s time-consuming and complicated.  I liken it to dieting, no one really wants to admit they have to and the few who do … Continue reading

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Basic Financial Literacy – Part 2

In Fin Lit -1 we discussed the first of the 4 Ts, scarciTy.  This post tackles the second environmental factor, creativiTy.   There is a unique unbreakable connection between the two albeit a paradoxical one.  Scarcity feeds creativity. The knowledge … Continue reading

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Basic Financial Literacy – Part 1

To be literate about personal finance one needs to know a bit of economics. 1st to the big question! Tick Tock……Tick Tock……….Tick Tock………. If they were we wouldn’t need to worry.  We could get anything we wanted any time we … Continue reading

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Curve Components – Part 4

Curve Components – Part  3 dealt with the impact of economic factors beyond our control.  This post discusses two common factors within our control but just like the macro forces they too can cause major curve damage, uninsured loss and … Continue reading

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Curve Components – Part 3

In Curve Components Part 1 and Part 2 I addressed the elements that make up one’s personal curve.  In the following I’ll bring in other factors, factors beyond our control which can do real damage to the shape of our … Continue reading

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Curve Components – Part 2

In “Curve Components – Part 1” I introduced 8 elements (E1-E8) that go into a plan curve’s construction.  In this post I’ll add elements 9 and 10 and go on to discuss how it comes together. We left off in … Continue reading

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