Topics to Explore in 2015

- extreme saving
- alternative investing
- DIY skills and self-education
- what the numbers and ratios mean
- questioning what "they" say
- killing your tv

And finally make a big list of to-do 's, should-do, and dreams.  Pick and item and get started.

You should never be bored.

2015 is your year.  Get to work.

Be Resolute and Confident in 2015

Hey Mr and Mrs Peerless,

Be resolute, confident, and assertive in 2015.

Don't let your health or finances decay in 2015.

Chase your passion with all your energy and all your soul.

Make the decisions you need to.

Keep thought cops, nosey, and #batshitcrazy out of your hair.

Don't worry about the judgment of the non-judgemental thought cops and other parasites.

Go to www.renegadeuniversity.net and make a written plan for 2015.

Leave #batshitcrazy or give him some candy. But get to renegade university dot net and see how you feel after reading the two pages of quotes.

#Batshitcrazy won't approve.

Be resolute. Be assertive. Be confident.

2015 is your year.

Make The Best of Everything

9 Personal Finance Ideas for 2015

1) Bank gas savings.  Invest or pay off debt with the cash you save at the pump.  Use your store rewards card and save a little more.

2) Ask your new U.S. Representative to repeal laws that discourage overtime.

3) Call your creditors and ask for better terms.  If your creditors say yes, you can pay off debt faster.  Shop around if the answer comes back no.

4) Open a second checking account.

5) Start using TOR and Lifelock.

6) Keep an eye on oil & gas stocks.  Buy some DVN when gas stocks bottom out.

7) Use YouTube, your library, and/or Kindle Unlimited for self-education and DIY projects.

8) Use Vanguard Index funds.  Calculate what you save on fund expenses over 10 or even 40 years.  Find out how much all expenses you'll incur with each account and fund.

9) Another idea is to open a brokerage account at a discount brokerage.  Holding 10 to 20 good stocks is cost effective as well.  Again: compare fees.  10 or more well chosen stocks can be as good as a mutual fund.

10 Personal Finance Ideas That Help the Most

There are things you can do to improve your personal finances, and even make your retirement possible. This article contains ten common sense personal finance ideas that could power you through to your financial goals.
1) Find a way to save, invest, and earn what you need. You can volunteer for overtime. You can search for part-time, casual, and seasonal employment. Could you get a less expensive home closer to work? Get good (for real) at work that most people aren't good at. Become the "go-to" person at work.
2) Get out of actively managed funds. In Money mastery, Tony Robbins explains beyond a doubt, you want index funds, not managed funds. You'll save tens of thousands in fees.
3) Buy an annuity or two from Vanguard. Vanguard offers very low fees. Why give retirement funds to a salesman? If you are worried about retirement income and/or young, it's a good idea to have an indexed annuity or two that mature when you are 70.
4) If you have extra funds that you could afford to lose, consider speculating in individual stocks. If you have market experience, are smart, and are willing to learn, you could search for stocks on your own.

5) Invest at least half of all pay increases. If you're young, this one makes all the difference.
6) Back to saving. Eat cheap most of the time. Go to a discount outlet (or farmer's market) and buy produce, bags of salad, ravioli, chicken, tuna, and staples. It won't hurt your health.
7) Resist pressure from salesmen, bad "councilors," phony friends, and TV to put on the dunce cap. Be wary of trolls making problems in your circle or at work.
8) Buy protective "puts" for large or risky holdings. A related rule is to "play with the house's money." That is to take your principal and leave profits invested.
9) Take the long-term view. Maintain a short-term focus and a long term vision. Ask yourself where your spending, employment, investing, and how you spend your spare time are leading you long-term.
10) Choose to give your brain a work out. Ask yourself questions like:
- How can I afford it?
- Why not?
- What if?
- How can I _____?
- Is there a better way?
Incorporating these ideas and more ideas that I'll lead you to, will lead to a bigger net worth in a few years.

I have no connection to Tony Robbins. BUT, read his book!
I have been the web master of http://www.renegadeuniversity.net since 2006.
You'll find almost 1000 more ideas at Renegade University. Plus, you'll find motivational quotes and videos to help you escape the rat race.

Article Source: http://EzineArticles.com/?expert=David_Drews

Ultimate LTBH ETF Portfolio

What do you think of this?

One ETF with the following funds:

20%  SP 500
20%  VNQ (Real estate index, U.S.)
20%  Biotech index (FBT, IBB, BBH)
20%  Robotics etf (ROBO)
20%  CLM income CEF

There could be a second ETF that uses leverage on the above portfolio.   A leveraged ETF would provide a hefty dividend.  (One could use PIP in place of CLM, as CLM is a CEF).

You could add an India ETF too.

No promises or guarantees of any kind implied.  This isn't really an "ultimate" portfolio.

Happy hunting.

How to Achieve Short Term Goals

It can feel like a daunting responsibility to embark on achieving your upcoming objectives. This overwhelming feeling can lead us to energetic stagnation making us confused and sad. Once these feelings take root we could benefit from an external boost to return to empowerment and mental clarity. Below are three steps that you can use to find your way out of the cloud to achieve your short term goals.

Move in the direction: Once you know the short term goal you want to achieve, start moving yourself physically in that direction. If you have a full-time job then, it is imperative that you begin to write a schedule of when you can do one or two objectives per week in the direction of accomplishing your short term goal. If you want to be a real estate agent then, you start by finding out what classes are available, what real estate trade organizations that you can join and read success stories to learn how others are thriving in your career aim. An important step towards achieving your short term goals is to move in the direction of what you want to do.

Gratitude Practice: When starting a journey to accomplish an objective it is easy to see what is missing or wrong with us. However, practicing gratitude keeps your mind open to possible opportunities and ideas that you would not receive if your mind is full replaying the lack and negative thoughts from your mental playlist. If you have a job that you do not like at this time, be grateful of the income that it provides that enables you to join a real estate organization and have access to all of its knowledge. Teaching your mind what to think and discard is a requirement when working toward short term goals. A success coach can show you how to work on discarding your negative thoughts.

Visualize: When you are sitting around and your mind drifts back to lack or 'what's wrong thoughts,' redirect them by seeing yourself living the life you want. If you need some help visualizing, write it down. The physical action of writing can lead your thoughts in the direction you want to go. Going back to the real estate example, if you want to become a real estate agent or broker in your area see yourself showing beautiful homes to prospective buyers. In your down time, watch Million Dollar Listing and see yourself showing and serving your clients excellently to get their dream home. These actions will support you in accomplishing your short term goals.

Although it is easy to agree with and believe the above steps are beneficial to reach short term goals, it is difficult sometimes to do them. Just as New Year's Eve resolutions, we start out well but then one thing leads to another, and we stop. We will write down our goals and resolutions, but not complete one thing we had listed. Before you realize it, one incomplete task becomes two then three. When this happens, contacting a success coach would be helpful. Success coaches can see your goals and co-create a plan of action when you feel confused on how to get started and support you in the process. Success coaches are your accountability partners; they believe that you can accomplish your goal, and they inspire you with ideas regarding actions you can take to reach your short term goals.
There is a practical approach to achieve your goals. Actions, thoughts and beliefs can turn your life around when they are all compatible and moving toward to the same aim. If you find that you are in need of support, you are among many that also have the same situation. If this happens contact a success coach to help you move forward, get clear, empowered and reach your short term goals.

JoAnn Youngblood King is a CTA Certified Success Coach, Author and Owner of Live Your Potential is a member of the Coaching Training Alliance, the Association of Coaching & Consulting Professionals on the Web and the International Association of Coaching. JoAnn, who has a diploma in Small Business Management, is a Business Trainer and Facilitator for Project Enterprise, an organization that provides access to business loans, business development services and networking opportunities for entrepreneurs and small business owners. To find out more about achieving your goals visit http://www.liveyourpotential.blogspot.com/2014/09/a-success-coach-helps-you-activate-your.html

Article Source: http://EzineArticles.com/?expert=JoAnn_Youngblood_King