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Think and Grow Rich

Think and Grow Rich

I started reading the book, "Think and Grow Rich", as recommended by a friend (thanks Shawn!). The book was published in 1937, and contains principles that are timeless. In fact, you fans of the film "The Secret" will find the principles, many using the same words and language, contained in this old book by Napolean Hill.

I read part of the introduction. Then found it interesting enough that I read part of the story aloud to my wife. 3 hours later, we had read the first 2 chapters and begun following the advice in the chapters, making plans for our future.

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Relative Earnings

Relative Earnings

I've been reading the book The 4 Hour Workweek. Aside from some unneeded expletives, the ideas in the book so far are great. One example given is similar to the following:

If you were presented with the following 2 jobs, which would you choose?

Job 1: A lawyer earning $160,000/year working 80 hours/week.

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Inspiration for "The Secret"

Inspiration for "The Secret"

As I understand it (from listening to "The Secret" DVD, commentaries section,) the inspiration that triggered the author to write the book and make the movie began with the book "The Science of Getting Rich" by Wallace Wattles. I've begun reading this book. Despite being almost 100 years old, it has a very compelling beginning.

"Whatever may be said in praise of poverty, the fact remains that it is not possible to live a really complete or successful life unless one is rich. No one can rise to his greatest possible height in talent or soul development unless he has plenty of money, for to unfold the soul and to develop talent he must have many things to use, and he cannot have these things unless he has money to buy them with.

A person developes in mind, soul, and body by making use of things, and society is so organized that man must have money in order to become the possessor of things. Therefore, the basis of all advancement must be the science of getting rich".

To a large degree, I have to agree with this. One must attain to some level of financial success to experience the good things of this earth, which are many. That is why it truly pays to invest in education, personal development, budgeting and living frugally so you can afford these advantages in life.

Is it possible to be truly successful in poverty?

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Can I afford to work for myself?

Can I afford to work for myself?

Good question. Having just grappled with this, let me share some pointers.

Being an entrepreneur, especially starting out, is challenging. Much has been written about startups. This blog entry is about how to afford it.

Chances are you are a bright, self-moivated individual, working for some large corporation or a mid-sized company, earning a reliable paycheck, but frustrated. You are frustrated because you don't have enough time to focus on your own business ideas and you just can't build momentum with your full-time job taking so much time. Furthermore, you are noticing that management in your full-time job are not as competent as you once thought and this too is frustrating you, making you start to dislike your job.

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Celebrating the little things

Celebrating the little things

Having watched the DVD "The Secret" with my wife, and agreeing on most of the points made therein, we now often joke about their example of  "getting a check in the mail". For example, if we had budgetted $150 for our electricity bill and the bill comes in at only $130, to us, this is a $20 check in the mail.

We've found that we can celebrate these little things by using the plans from our budget. Of course we are looking for ways to continuously save money and become more efficient, but these little celebrations really help!

These mini celebrations help keep our attitudes positive and our minds on the goal of becoming financially independent. Now, paying our bills is less of a burden, because we're excited to see if a bill is actually a "check in the mail".

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Paying off mortgage in retirement?

Paying off mortgage in retirement?

Interesting article from Financial Times on a trend away from buying a house early in life due to increasing cost of housing.

Interesting article from Financial Times on a trend away from buying a house early in life due to increasing cost of housing.

This highlights the need for proper personal financial management, education and budgeting early in life. If you don't have these basic skills coming out of college/university, it can be a real challenge.

This education is typically free, so you have to get it. Talk to any financial planner, the internet is filled with links about it. This blog outlines some points, but is in nowise complete. My personal favorite is Personal Finance for Dummies :) A great intro and straight to the point.

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The Next Millionaires

The Next Millionaires

In our personal finances, we typically have a relatively fixed set of resources (our income, assets, etc), but the technology we use to manage these resources can make all the difference.

I recently read the book The Next Millionaires by Paul Pilzer. Its a great book on the new economics that will shape our generation and challenges many old economic principles. One of the great gems I found was an equation that Paul discovered.

W = P * T

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