At some point you have to come to terms with the real change agent in your life. It is not your parents. It is not your spouse. It is not your boss. It is not some politician or government entity. It is YOU. When you stop looking "out there" for someone to fix your problems, you can start looking within, and that is where the truth lies. It is that person in the mirror that will ultimately decide your fate. What you think will lead to what you do and that will ultimately tell us what direction your life takes going forward.


Mahatma Gandhi told us, "Be the change you wish to see in the world." He was right way back then and he is right today. Stop looking for someone else to change your life. YOU change your life. Once you make that shift within your mind, behaviors start to change, and habits are created. Instead of seeing problems, you find solutions. Instead of criticizing, you praise. You take full responsibility for your life because you understand who is in charge of it as you look in the mirror and say, "I AM the answer!"


"You are engaged in a life-and-death struggle with the financial services industry. Every dollar in fees, expenses, and spreads you pay them comes directly out of your pocket. If you act on the assumption that every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, you will do just fine." - William Bernstein


Why is the use of a credit card safer than a debit card?


This week I would like to highlight John Bogle and his wonderful book, The Little Book of Common Sense Investing. This little book is an ideal manual for the beginning investor. John Bogle is a true expert in the field of investing (he is the founder of the Vanguard Group) and he has a wonderful way of communicating difficult issues in simple ways that you can understand and then act on. Mr. Bogle does this through the use of stories, quotes, and a whole lot of facts. The book is an easy read (you will have it done in a week or less) and worth every penny you pay for it. Buy it. Read it. Act on it. Financial freedom to follow!

Are you Financially literate?