It is the beginning of a new year.Soon we will have a new president and the stock market seems like it may be close to the bottom.Now we can all breathe easily because things are going to be better.Well, I am sorry to break it to you but if you have made bad decisions in…
American Cars Vs. Foreign Cars
I just heard an interesting fact about car manufacturers from the Chuck Bowen Podcast. My last post used car manufacturers as an example of good business models and bad business models. When a car manufacturer sees a change on the horizon they will make changes in the kinds of cars they make. Making more of some…
Learning Experience
When you decide to build a business you should begin with a plan. Part of that plan includes building a business model. This model outlines how you will serve your customers, how you will be paid, and the flow of the business. The business model should be based on providing the best value for your…
Tired at Work
Do you remember when you were a kid and you hated to go to bed? Back then you were excited to get up and have fun; and you hated taking naps because you were afraid to miss anything. That is when your life was filled with things you loved doing. As you have gotten older…
Service Economy
I have missed plenty of blogs lately, but the move is finally complete and my new job is going well. The position I have taken is something I have to learn and grow into so it is new and exciting. Plus it will help me to develop a new set of skills which will help…
The Lucky Ones
Recently, my time has been filled with job searching and coordinating my move back home.This was very time consuming and took focus away from developing my business and my blog.My transition is winding down and should end in about 2 weeks.Then I will be able to devote more energy to my blog.This leads me into…
Josh’s Philosophy
I found a video that encompasses my philosophy on personal improvement. Check it out here
Self Reliance
In the process of growing up there is some pain related to learning. An example would be riding a bike. Part of learning how to ride a bike is learning how to avoid wrecks. After you had your first bicycle wreck I bet you made every effort to avoid another wreck. This is because you…
Dave Ramsey is an Amazing Man
Dave Ramsey is a national talk radio host and author.His teachings are basically get out of debt, build an emergency fund, and then become wealthy.Over the last few years it may have seemed stupid to pay down your house considering the increasing values; it virtually could be used as an ATM.To many, it seemed that…
Look on the Positive Side
We are all worried about the economic future, considering the doom and gloom the media is conveying. We need to regain our hope. Here are some different points of view to consider and some steps to take to get your hope back. First, many needs are being created with these changes in the economy. This…
Free Money
I wanted to share this piece of info because I am running into too many people that believe that the money from the government is free.This money is not, for someone to receive money from the government it is taken from somebody else.One of the sources is debt issued in the form of bonds which…
Something for Nothing
I have found that helping people to reach their dreams can be very frustrating. I spend a lot of time with these individuals and give them the information and encouragement that they need. I tell them I will talk to them in about 1 week and see where they have progressed on their plan. At…
What Do You Want?
This week has been a very busy week for me so I do not have much of a post for you. So for this week I would like to know what my readers want to know. This blog if for you so I need to know what you want so I can give it to…
Letter of Encouragement
Here is a letter I wrote to a friend that has chosen to not join my business because they do not have time. Dear ??? and ???, I was a little bummed out that you guys decided against joining the business. That is fine, as long as you decide to change your future in some…
Debt, er’ Life Snowball
I have been sharing many things I have learned throughout this blog.I write here to help you.So I can serve you better I need some of your input.Now it is time for you to speak your mind.I want to know about you.I would like to hear your thoughts, questions, and comments on the subject of…
Monthly Payments
We Americans are falling into a horrible trap.The trap is thinking of our finances in the short term.We think we can afford something as long as we can pay the monthly payment; house payment, car payment, furniture payment, boat payment, credit card payment, motorcycle payment, etc.We no not consider that the financing companies are stretching…
Badge of Honor
Every day when I go to work I run into someone that feels the need to point out the many hours they have been working.As a note these are salaried employees, they do not get overtime.They tell me they were here over the weekend and over 10 hours every day last week.They try to make…
Wanna Be Rich?
In the book, 7 Habits of Highly Effective People, there is a diagram that depicts the urgency and importance of all of the things we do. The categories are urgent and important, urgent and unimportant, non-urgent and important, and non-urgent and unimportant. By understanding this categorization we can appropriately prioritize our tasks. The main categories…
Evil Money
All too often I encounter people that think I am a bad person because I make more money than someone else.On a grander scale many people believe that large companies are evil.Finally, some people are seen as bad because they produce products based on Christian ideals and do not give them away for free.All of…
Don’t Get Too Comfortable
This is a continuation of the previous post; but here I am going to explain why it is important not to irrationally fear discomfort.Let’s say you are an employee at Chevrolet and you have been offered a buyout to leave your job.You see the huge amount of money that you will receive if you take…