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<channel><title><![CDATA[
	
	180 Degree Financial Coaching
	
	 - 180 Degree Financial Magazine]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine]]></link><description><![CDATA[180 Degree Financial Magazine]]></description><pubDate>Tue, 20 Jan 2026 05:18:08 -0600</pubDate><generator>Weebly</generator><item><title><![CDATA[Dealing With Creditors-What You Need to Know-Video-Chris Hogan]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dealing-with-creditors-what-you-need-to-know-video-chris-hogan]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dealing-with-creditors-what-you-need-to-know-video-chris-hogan#comments]]></comments><pubDate>Mon, 09 Oct 2017 16:44:29 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dealing-with-creditors-what-you-need-to-know-video-chris-hogan</guid><description><![CDATA[ 	 		 			 				 					 						   					 						 						 						 						 							#wsite-video-container-520692707408562530{ 								background: url(//www.weebly.com/uploads/5/6/8/8/5688024/dealing-with-creditors-with-chris-hogan_660.jpg); 							}  							#video-iframe-520692707408562530{ 								background: url(//cdn2.editmysite.com/images/util/videojs/play-icon.png?1507241246); 							}  							#wsite-video-container-520692707408562530, #video-iframe-520692707408562530{ 								background-repeat: no-rep [...] ]]></description><content:encoded><![CDATA[<div><div class="wsite-multicol"><div class="wsite-multicol-table-wrap" style="margin:0 -15px;"> 	<table class="wsite-multicol-table"> 		<tbody class="wsite-multicol-tbody"> 			<tr class="wsite-multicol-tr"> 				<td class="wsite-multicol-col" style="width:50%; padding:0 15px;"> 					 						  <div class="wsite-video"><div class="wsite-video-wrapper wsite-video-height-282 wsite-video-align-left"> 					<div id="wsite-video-container-520692707408562530" class="wsite-video-container" style="margin: 10px 0 10px 0;"> 						<iframe allowtransparency="true" allowfullscreen="true" frameborder="0" scrolling="no" id="video-iframe-520692707408562530" 							src="about:blank"> 						</iframe> 						 						<style> 							#wsite-video-container-520692707408562530{ 								background: url(//www.weebly.comhttps://www.180degreefinancialcoaching.com/uploads/5/6/8/8/5688024/dealing-with-creditors-with-chris-hogan_660.jpg); 							}  							#video-iframe-520692707408562530{ 								background: url(//cdn2.editmysite.com/images/util/videojs/play-icon.png?1507241246); 							}  							#wsite-video-container-520692707408562530, #video-iframe-520692707408562530{ 								background-repeat: no-repeat; 								background-position:center; 							}  							@media only screen and (-webkit-min-device-pixel-ratio: 2), 								only screen and (        min-device-pixel-ratio: 2), 								only screen and (                min-resolution: 192dpi), 								only screen and (                min-resolution: 2dppx) { 									#video-iframe-520692707408562530{ 										background: url(//cdn2.editmysite.com/images/util/videojs/@2x/play-icon.png?1507241246); 										background-repeat: no-repeat; 										background-position:center; 										background-size: 70px 70px; 									} 							} 						</style> 					</div> 				</div></div>   					 				</td>				<td class="wsite-multicol-col" style="width:50%; padding:0 15px;"> 					 						  <div class="paragraph">Need advice or a free consultation.&nbsp; Contact Tom Ginn<br />tom@180degreefinancialcoaching.com<br />We can get you on the right track and move to a place and mindset of prosperty thinking.<br /></div>   					 				</td>			</tr> 		</tbody> 	</table> </div></div></div>]]></content:encoded></item><item><title><![CDATA[Mutliple Sources of Income]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/mutliple-sources-of-income]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/mutliple-sources-of-income#comments]]></comments><pubDate>Sat, 20 May 2017 13:52:05 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/mutliple-sources-of-income</guid><description><![CDATA[ Multiple Sources of Income (MSI) is a technology that will permit you to multiply your present income by providing service beyond that which you are presently providing at your primary source of income. ADDITIONAL SERVICE &ndash; ADDITIONAL INCOME.Through MSI Technology you will earn many times what you are presently earning at your primary source of income.MSI is a concept that has been adopted by virtually all wealthy people.Multiple Sources of Income is exactly what it says it is:INCOME FROM [...] ]]></description><content:encoded><![CDATA[<span class='imgPusher' style='float:left;height:0px'></span><span style='display: table;width:332px;position:relative;float:left;max-width:100%;;clear:left;margin-top:0px;*margin-top:0px'><a><img src="https://www.180degreefinancialcoaching.com/uploads/5/6/8/8/5688024/published/msi.jpg?1495288550" style="margin-top: 5px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; border-width:1px;padding:3px; max-width:100%" alt="Picture" class="galleryImageBorder wsite-image" /></a><span style="display: table-caption; caption-side: bottom; font-size: 90%; margin-top: -10px; margin-bottom: 10px; text-align: center;" class="wsite-caption"></span></span> <div class="paragraph" style="display:block;"><a>Multiple Sources of Income (MSI) is a technology that will permit you to multiply your present income by providing service beyond that which you are presently providing at your primary source of income. <strong>ADDITIONAL SERVICE &ndash; ADDITIONAL INCOME.</strong></a><br />Through MSI Technology you will earn many times what you are presently earning at your primary source of income.<br /><strong>MSI is a concept that has been adopted by virtually all wealthy people.</strong><br />Multiple Sources of Income is exactly what it says it is:<br /><strong>INCOME FROM MULTIPLE SOURCES</strong><br /><strong>MSI is not another JOB.</strong><br /><strong>MSI is not a better JOB.</strong><br /><strong>MSI is not even a JOB.</strong><br />&nbsp;<br />MSIs are a way of adding a new dimension of excitement and fun to your everyday life, while you are becoming very wealthy.<br /><strong>An MSI is an idea with which you are in harmony.</strong><br /><strong>An MSI is an idea that enables you to provide service to humanity in a lawful manner for which you will be fairly compensated. The compensation you receive from each MSI could be minimal or it could be millions of dollars per year.</strong><br /><strong>An MSI should not interfere with, nor cause you to jeopardize your position at your primary source of income.</strong><br />&nbsp;<br />It&rsquo;s been explained that an MSI (Multiple Source of Income) is not another job. In fact, it&rsquo;s not even a job. It should be viewed as a source of income that is passive. Many people confuse creating an additional source of income for themselves as getting a part time job. Though that is one way of creating an additional source of income for yourself, it&rsquo;s&nbsp;not one we recommend. Why? Because, you&rsquo;re trading your time for money and eventually, you&rsquo;ll run out of time.<br /><strong>Begin developing MSIs.</strong><br /><strong><strong>Set an immediate goal to have 15. Fill in the spaces provided and make this your Wheel of Fortune<br />&#8203;</strong></strong><br />&nbsp;<br />Another important point to consider when you create MSIs is: you want to focus on creating &ldquo;passive&rdquo; sources of income as often as possible. By passive we mean that it shouldn&rsquo;t take a lot of your time or energy &hellip; it&rsquo;s just something that&rsquo;s there, where you receive money on a regular basis because you contributed in some way or another. Granted, there may be an initial output of time and energy to get it started and it may or may not be extensive, depending on the MSI. But, after that start up phase, it&rsquo;s considered mailbox money or earning money while you sleep.<br />&nbsp;<br /><br /><br />HerYou can get really creative with MSIs. If you&rsquo;re an independent contractor &ndash; let&rsquo;s say you&rsquo;re a graphic artist &hellip; you could create a piece of artwork (maybe a book cover) and instead of charging your regular fee up front for the design, opt to take a percentage of the total sales and offer to design it for no upfront fees. You&rsquo;ll more than recoup your investment of time &hellip; and it will be money that keeps coming to you as long as the person keeps selling their book.<br /><a><strong>Begin developing MSIs.</strong></a><br /><strong><strong>Set an immediate goal to have 15. Fill in the spaces provided and make this your Wheel of Fortune</strong></strong><br /><br /><br /><br /><br />t<strong>YOU DECIDE ON THE NUMBER OF MSIs YOU WILL HAVE</strong>&nbsp;<br />If a person advances confidently in the direction of their dream and endeavors to live the life they have imagined, they will meet with success unexpected in common hours.<br />&ndash; Thoreau<br />&nbsp;<br />HOW RICHES COME TO YOU<br />&nbsp;<br />Never look at the visible supply; always look at the limitless riches in the formless substance and know that they are coming to you as fast as you can receive and use them. Nobody, by cornering the visible supply, can prevent you from getting what is yours.<br />&ndash; Wallace D. Wattles<br />&nbsp;<br /><br /></div> <hr style="width:100%;clear:both;visibility:hidden;"></hr>]]></content:encoded></item><item><title><![CDATA[Drip..Drip...Drip]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dripdripdrip]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dripdripdrip#comments]]></comments><pubDate>Sun, 03 Apr 2016 19:35:57 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/dripdripdrip</guid><description><![CDATA[ We all have experienced the &ldquo;drip-drip-drip&rdquo; of a leaky faucet. It&rsquo;s not only annoying, but if left unattended, it could add up to thousands of gallons of wasted water and a very large water bill. Individually each water droplet that is wasted is a fraction of a penny, but over time the pennies will add up to dollars. Many of our everyday purchases are also causing a drip on our finances. Some of it is due to poor money management and others are due to our lack of attention to [...] ]]></description><content:encoded><![CDATA[<span class='imgPusher' style='float:left;height:0px'></span><span style='display: table;width:145px;position:relative;float:left;max-width:100%;;clear:left;margin-top:0px;*margin-top:0px'><a><img src="https://www.180degreefinancialcoaching.com/uploads/5/6/8/8/5688024/4004219.jpg?135" style="margin-top: 5px; margin-bottom: 10px; margin-left: 0px; margin-right: 10px; none; max-width:100%" alt="Picture" class="galleryImageBorder wsite-image" /></a><span style="display: table-caption; caption-side: bottom; font-size: 90%; margin-top: -10px; margin-bottom: 10px; text-align: center;" class="wsite-caption"></span></span> <div class="paragraph" style="text-align:justify;display:block;">We all have experienced the &ldquo;drip-drip-drip&rdquo; of a leaky faucet. It&rsquo;s not only annoying, but if left unattended, it could add up to thousands of gallons of wasted water and a very large water bill. Individually each water droplet that is wasted is a fraction of a penny, but over time the pennies will add up to dollars. Many of our everyday purchases are also causing a drip on our finances. Some of it is due to poor money management and others are due to our lack of attention to detail. At times it can be difficult to detect financial leaks, but with some proper tools, you will be equipped to fix the financial &ldquo;drip-drip-drip&rdquo;.<br /><br />The average smart phone owner uses 256 MB of data each month but pays for 10 GB. With a simple review of your usage, you could significantly save on your plan every month.<br /><br />Check your auto insurance policy every year. Most auto insurance policy holders renew their plan with their current company each year without investigating the competition. Family needs change each year, and switching plans &nbsp;could reduce your monthly bill.<br /><br />Use a programmable thermostat. If you don&rsquo;t currently have a programmable thermostat in your home, get one. You can purchase a moderately priced model for about $40. If you already have one, make sure you&rsquo;re taking full advantage of its features &ndash; some models allow you to program a different temperature for different days of the week. On average, every degree you raise your thermostat in the summer or lower it in the winter saves 2% on your energy bill.<br /><br />Eliminate your Home Telephone line. As long as you have a reliable Internet connection and at least one cell phone in your home, you can save big by eliminating traditional land line service. Products like MagicJack connect a land line to your personal computer via USB, so you can still have the comfort of speaking on a telephone without shelling out the big bucks. Skype is also a convenient (and for most calls, free) alternative to a land line.<br /><br />Make a grocery list. American families throw away about 25% of all the food and beverages they purchase when they do not have a shopping list. Buy what you need, use what you have, and make less if you don&rsquo;t like leftovers.<br />Take some time and do your research. With some minor adjustments, your financial drip will be fixed. &nbsp;<br /><br />Contact Tom to help stop the drips in your budget.<br /></div> <hr style="width:100%;clear:both;visibility:hidden;"></hr>]]></content:encoded></item><item><title><![CDATA[College Students Need to Knows About Staying Out of Debt]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/college-students-need-to-knows-about-staying-out-of-debt]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/college-students-need-to-knows-about-staying-out-of-debt#comments]]></comments><pubDate>Fri, 18 Mar 2016 17:01:43 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/college-students-need-to-knows-about-staying-out-of-debt</guid><description><![CDATA[College is the first taste of financial independence for many young adults. For the first time they may be paying their own bills, deciding how to spend their money and managing debt. Unfortunately, college students don't always make the best decisions. "We've found that the average college student does not come equipped with the information they need to manage their money successfully," says Jacki Brossman-Ashorn, director of the Student Money Management Center at Sam Houston State University i [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;">College is the first taste of financial independence for many young adults. For the first time they may be paying their own bills, deciding how to spend their money and managing debt. <br /><br />Unfortunately, college students don't always make the best decisions. "We've found that the average college student does not come equipped with the information they need to manage their money successfully," says Jacki Brossman-Ashorn, director of the Student Money Management Center at Sam Houston State University in Texas.<br /><br />That's why it's crucial to discuss personal finance with college-bound kids. Here are seven money-management tips:<br /><ul><li><strong>Understand student loans.</strong> Impress on your kids that these loans are not "free money." They need to know that student loans must be paid back with interest and how large these loan payments will be. That knowledge can persuade students not to spend borrowed funds frivolously.<br /></li><li><strong>Use debit cards, not credit cards.</strong> Talk to college students about having a debit card attached to a checking account with no overdraft protection. That way, they can spend only money they actually have. In fact, new regulations prevent students under 21 from getting a credit card unless they have a job or have their parents cosign the account. Think carefully before cosigning for your child's card -- their mistakes could hurt your credit rating.<br /></li><li><strong>Create a budget.</strong> What's the root of most student financial problems? "It boils down to spending more than they have coming in," says Brossman-Ashorn. The solution: Establish a budget that outlines sources of income (jobs, student loans, parent contributions) and necessary monthly expenditures (cell phone bills, food, books). What's left after paying for those needs is the amount they can spend on their "wants," like concert tickets or take-out meals.<br /></li><li><strong>Track all expenses.</strong> Financial websites and smartphone apps make it easier than ever to track cash expenditures. Students should record all their purchases, even seemingly insignificant ones. They'll see the impact that little things like a late-night pizza can have on a budget.<br /></li><li><strong>Leave the car behind.</strong> Unless students absolutely need a car on campus, they're often better off walking, biking or using public transportation during the school year. Forgoing a car saves on gas, maintenance and campus parking fees.<br /></li><li><strong>Eat cheaper.</strong> Campus meal plans or cooking at home (for off-campus dwellers) are much cheaper than eating out. If they have a meal plan, make sure they use it. Paying extra for a meal that could have been eaten on campus can drain spending money fast.<br /></li><li><strong>Shop smarter.</strong> Exhort your student to stay alert for ways to save. Textbooks alone can cost about $1,000 a year, but students can slash that amount in half or more by shopping online, purchasing used books or even renting them. Student discounts also are available on everything from movie tickets to bus fare, so encourage your kids to take advantage of them.<br /></li><li>If you haven't already taught your kids the fundamentals of money management, the transition to college is a great time to start. You can instill habits that will help keep them out of money trouble while on campus &ndash; and put them on the right financial path as they enter adulthood.<br /></li></ul><br />180 Degree Financial Coaching<br />College Student Coaching<br />Contact:&nbsp; <a href="mailto:tom@180degreefinancialcoaching.com">tom@180degreefinancialcoaching.com</a><br /><br /></div>]]></content:encoded></item><item><title><![CDATA[5 Tips for Starting a Debt-Free Conversation With Your Wife]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/5-tips-for-starting-a-debt-free-conversation-with-your-wife]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/5-tips-for-starting-a-debt-free-conversation-with-your-wife#comments]]></comments><pubDate>Sat, 12 Dec 2015 16:16:58 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/5-tips-for-starting-a-debt-free-conversation-with-your-wife</guid><description><![CDATA[5 Tips for Starting a Debt-Free Conversation With Your Spouse-The hard conversations are usually the most important for couples. So, if you&rsquo;re feeling the need for a talk about a debt-free future, but your spouse isn&rsquo;t quite on board, here are some tips for jump-starting that discussion today. When you were dating, you and your spouse could talk about almost anything. But married couples find that some conversations are harder than others. And if you&rsquo;re not on the same page abo [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><font color="#2a2a2a"><font size="4">5 Tips for Starting a Debt-Free Conversation With Your Spouse-</font><br /><font size="4">The hard conversations are usually the most important for couples. So, if you&rsquo;re feeling the need for a talk about a debt-free future, but your spouse isn&rsquo;t quite on board, here are some tips for jump-starting that discussion today. <br />When you were dating, you and your spouse could talk about almost anything. But married couples find that some conversations are harder than others. And if you&rsquo;re not on the same page about getting and staying out of debt, those talks can be really tough.<br />But the hard conversations are usually the most important for couples. So, if you&rsquo;re feeling the need for a talk about a debt-free future, but your spouse isn&rsquo;t quite on board, here are some tips for jump-starting that discussion today.<br />1. Stop procrastinating.<br />Sure, it&rsquo;s easier to avoid the conflict by putting off &ldquo;the talk,&rdquo; but that&rsquo;s probably not what&rsquo;s best for your marriage. For married couples, getting out of debt is definitely a team sport, so you have to talk about it. Remember, when you said &ldquo;I do,&rdquo; God turned two people into one (Genesis 2:24; Matthew 19:4&ndash;6). As Chris Brown says, &ldquo;Conflict is inevitable, but drama is a choice.&rdquo; Work together and have the difficult conversation now to avoid problems later.<br />2. Reject fear.<br />This goes along with the first point because fear can paralyze us and cause procrastination. But it goes deeper than that. If you know something is right, you can&rsquo;t give in to fear. God doesn&rsquo;t operate in fear, and He doesn&rsquo;t give you a spirit of fear (2 Timothy&nbsp;1:7), but of love. You have to step out boldly with your spouse even if it means stepping out of your comfort zone.<br />3. Ask questions&mdash;and listen to answers.<br />If your spouse is hesitant, you&rsquo;ve got two options for finding out what&rsquo;s going on. You can lecture your better half, but nothing shuts people down faster. Or you can ask questions and really listen to the answers. Questions prove that you want to work together, and they assign value to the one being heard. Just as important, questions break down walls and help you find some common ground. Ask about retirement dreams and your family&rsquo;s emergency fund. Remember, the idea is to start the conversation about being debt-free some day, so let it be a dialogue&mdash;not just a lesson in money management.<br />4. Explain the benefits of being debt-free.<br />Don&rsquo;t get all preachy or come in with a ton of charts. That&rsquo;s no different than lecturing. But try casting a vision for what&rsquo;s possible. Dream about how generous you could be if you were completely debt-free or how you could leave a legacy for your family. The things holding your spouse back might be making it hard to look up and see the horizon. Give your loved one permission to ask, &ldquo;What if . . . ?&rdquo;<br />5. Pray about it.<br />Honestly, you can&rsquo;t change your spouse, but God can. He also can uncover areas where you can be more flexible. And He&rsquo;s promised to give you the wisdom you need if you&rsquo;re willing to ask (James 1:5).<br /><br />Larry Burkett said that if two spouses are exactly alike, one of them is unnecessary. And when it comes to getting out of debt, both of you are very necessary. But it takes communication and a lot of respect.<br />Your spouse probably won&rsquo;t transform overnight, but you can gently open the door for debt-free discussions. And when that door is open, hope gets to be part of the conversation.</font><br /></font><br /></div>]]></content:encoded></item><item><title><![CDATA[Setting Goals]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/setting-goals]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/setting-goals#comments]]></comments><pubDate>Thu, 24 Sep 2015 13:33:39 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/setting-goals</guid><description><![CDATA[&ldquo;Putting Knowledge Into Action&rdquo;  Goal Setting Principles That Work  5 Steps to Goal Setting  Keep in mind: &nbsp;Two reasons people do not complete goals.  &middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stuff will happen, such as major illness, car accidents, job loss, death of spouse and the list goes on.&nbsp; The average person will have 1 major event in any 10yr period.&nbsp; So the importance of an Emergency Fund becomes a major part of your goal planning.&nbsp; The ke [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;"><strong style="" "mso-bidi-font-weight:="" normal"=""><span style="" "font-size:9.0pt;line-height:115%;mso-bidi-font-family:="" calibri;mso-bidi-theme-font:minor-latin"="">&ldquo;Putting Knowledge Into Action&rdquo;</span></strong><br /><span style=""></span><br /><span style=""></span>  <strong style="" "mso-bidi-font-weight:="" normal"=""><span style="">Goal Setting Principles That Work</span></strong><br /><span style=""></span><br /><span style=""></span>  <strong style="" "mso-bidi-font-weight:="" normal"=""><span style="">5 Steps to Goal Setting</span></strong><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="">Keep in mind:</span> <span style="">&nbsp;</span></strong>Two reasons people do not complete goals.<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong>Stuff will happen</strong>, such as major illness, car accidents, job loss, death of spouse and the list goes on.<span style="">&nbsp; </span>The average person will have 1 major event in any 10yr period.<span style="">&nbsp; </span>So the importance of an Emergency Fund becomes a major part of your goal planning.<span style="">&nbsp; </span>The key is how you react to serious setbacks.<span style="">&nbsp; </span>Do not let them make you a victim.<br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style="">Procrastination or Doing Nothing.</strong><span style="">&nbsp; </span>You control the variables.<span style="">&nbsp; </span>The decisions you make <strong style=""><em style=""><u style=""><span style="">today</span></u></em></strong> will control your outcome. <span style="">&nbsp;&nbsp;</span>Create and implement<span style="">&nbsp; </span>new <span style="">&nbsp;</span><strong style="">Intentional Disciplines</strong>.<br /><span style=""></span><br /><span style=""></span>  <strong style=""><u style=""><span style="">The 7 Goals</span></u></strong><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong>Physical<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Intellectual<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Career<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Social<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Financial<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Family<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span>Spiritual<br /><span style=""></span></strong><br /><span style=""></span>  <strong style="" "mso-bidi-font-weight:="" normal"=""><u style=""><span style="">The 5 Steps for having a successful goal plan</span></u></strong><u style=""><span style="" "font-size:14.0pt;="" line-height:115%"=""></span></u><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style=""><span style="">Specific:</span></strong><span style="">&nbsp; </span>i.e. I want to Lose 20 pounds, not I want to lose weight.<span style="">&nbsp; </span>I will have 3 months of expenses in emergency fund; know the exact amount i.e. $9000.<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style=""><span style="">Measurable:</span></strong><span style="">&nbsp; </span>You can track the goal.<span style="">&nbsp; </span>The budget will show you the reality of where you are in your goals setting and success.<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style=""><span style="">Time Limit:</span></strong><span style="">&nbsp; </span>I will lose the 20 pounds by a specific time or I will have my emergency fund completely funded by a specific date, I will be out of debt by <strong style="">specific</strong> <strong style="">date</strong>.<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style=""><span style="">Your Goal:</span></strong><span style="">&nbsp; </span>Can&rsquo;t be someone else&rsquo;s goal.<span style="">&nbsp; </span>You will not lose the 20 pounds because someone else wants you to lose the 20 pounds.<span style="">&nbsp; </span>You will not get out of debt because your coach wants you out of debt.<span style="">&nbsp; </span>It has to be your <strong style="">desire and passion</strong>.<br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:symbol;mso-fareast-font-family:symbol;mso-bidi-font-family:="" symbol"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><strong style=""><span style="">Written:</span></strong><span style="">&nbsp; </span>Those that accomplish goals have a written plan.<span style="">&nbsp; </span>That is reviewed frequently.<span style="">&nbsp; </span>Those that accelerate their goals read them daily and make adjustments when necessary.<span style="">&nbsp; </span><strong style="">Seek council</strong> before making life changing decisions. <br /><span style=""></span><br /><span style=""></span>  <strong style="" "mso-bidi-font-weight:="" normal"=""><span style="">&ldquo;Putting Knowledge Into Action&rdquo;</span></strong><strong style="" "mso-bidi-font-weight:="" normal"=""> </strong><br /><span style=""></span><br /><span style=""></span>  <strong style="" "mso-bidi-font-weight:="" normal"=""><em style=""><span style="" "font-size:14.0pt;="" line-height:115%"="">Keys to Success are the decisions you make:</span></em></strong><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="">Ask the question:</span></strong><span style="">&nbsp;&nbsp; </span>Will this decision I am about to make going to move me <strong style=""><em style="" "mso-bidi-font-style:="" normal"="">towards</em></strong> my goal or <strong style=""><em style="">away</em></strong> from my goal?<span style="">&nbsp; </span><br /><span style=""></span><br /><span style=""></span>  <strong style="">Procrastination</strong> is the number one reason that kill goals.<span style="">&nbsp; </span>I will get to it tomorrow, which leads into next week to next year.<span style="">&nbsp; </span><strong style=""><em style="">Do it now!</em></strong><br /><span style=""></span><br /><span style=""></span>  <strong style=""><em style="" "mso-bidi-font-style:="" normal"=""><span style="">Word of Wisdom:</span><span style="">&nbsp; </span></em></strong><strong style=""><em style=""><span style="" "font-size:14.0pt;line-height:="" 115%"="">Wise men gather council!</span><span style="">&nbsp;&nbsp; </span>~ paraphrased from Moses the wisest man to ever live.</em></strong><br /><span style=""></span><br /><span style=""></span>  <strong style=""><em style="" "mso-bidi-font-style:="" normal"="">Build </em></strong><strong style=""><em style=""><u style=""><span style="" "font-size:12.0pt;line-height:="" 115%"="">your team</span></u> of like minded people.<span style="">&nbsp; </span>The journey will be light.<span style="">&nbsp; </span>Ask for council from those that have the wisdom to show you how to put &ldquo; Knowledge into Action&rdquo;</em></strong><br /><span style=""></span><br /><span style=""></span>  </div>]]></content:encoded></item><item><title><![CDATA[Financial Freedom with a coach]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/financial-freedom-with-a-coach]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/financial-freedom-with-a-coach#comments]]></comments><pubDate>Sun, 06 Sep 2015 16:39:58 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/financial-freedom-with-a-coach</guid><description><![CDATA[Many people are looking for the golden goose, the magic wand, a one pill solution to solving the maze of financial decisions we are faced with daily, such as how to set up a budget, planning retirement,&nbsp; getting out of debt,&nbsp; paying off the house, saving for children&rsquo;s college, dealing with creditors and the list goes on and on.   The questions we often ask are; &nbsp;  Where do I begin? &nbsp;  Am I getting the right information and direction?   Who can I trust?  The answer may  [...] ]]></description><content:encoded><![CDATA[<h2 class="wsite-content-title" style="text-align:left;"><span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">Many people are looking for the golden goose, the magic wand, a one pill solution to solving the maze of financial decisions we are faced with daily, such as how to set up a budget, planning retirement,<span style="">&nbsp; </span>getting out of debt,<span style="">&nbsp; </span>paying off the house, saving for children&rsquo;s college, dealing with creditors and the list goes on and on. </span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">The questions we often ask are; <span style="">&nbsp;</span></span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">Where do I begin? <span style="">&nbsp;</span></span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">Am I getting the right information and direction? </span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">Who can I trust?</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" color:#7f7f7f;mso-themecolor:text1;mso-themetint:128"="">The answer may be a financial coach.<span style="">&nbsp; </span>A Financial Coach can help you sort out the maze of issues that keep us stuck and confused.<span style="">&nbsp; </span></span><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="" "font-family:&quot;times="" roman&quot;,&quot;serif&quot;;color:#7f7f7f;mso-themecolor:text1;="" mso-themetint:128"="">What is a financial coach?</span></strong><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">A financial coach is knowledgeable about debt, credit, savings, retirement, budgeting, paying for college and spending wisely.<span style="">&nbsp; </span>Financial Coaches are not financial planners, we simply walk with you through this financial maze.</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:symbol;mso-fareast-font-family:symbol;="" mso-bidi-font-family:symbol;color:#666666"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">A BAD Financial Coach will sell you a debt consolidation plan or debt management plan.</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:symbol;mso-fareast-font-family:symbol;="" mso-bidi-font-family:symbol;color:#666666"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">A GOOD Financial Coach is someone who will work with you to improve your money situation.</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:symbol;mso-fareast-font-family:symbol;="" mso-bidi-font-family:symbol;color:#666666"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">A GREAT Financial Coach is one who will explain how money works and bust the myths about debt that we have been sold for so long.</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:symbol;mso-fareast-font-family:symbol;="" mso-bidi-font-family:symbol;color:#666666"=""><span style="">&middot;<span style="">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">The BEST Financial coach is one who has the heart of a teacher, not a salesperson.</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">No matter where you find yourself in this financial maze, my work as a financial coach will offer you common sense solutions that are best suited for your situation.<span style="">&nbsp; </span>I do not sell financial products,<span style="">&nbsp; </span>I only offer education and solutions that will lead you to the path of financial freedom. </span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">Start your path to Financial Freedom by contacting Tom for a FREE 30 Minute Consultation</span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">Email:<span style="">&nbsp; </span></span><a style="" href="mailto:tom@180DegreeFinancialCoaching.com"><span style="" "font-size:12.0pt;="" font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"="">tom@180DegreeFinancialCoaching.com</span></a><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;;color:#666666"=""></span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#666666"="">Call:<span style="">&nbsp; </span>262-565-6565</span><br /><span style=""></span><br /><span style=""></span>  </h2>]]></content:encoded></item><item><title><![CDATA[Saving for retirement: 4 Things every small business owner must do]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/saving-for-retirement-4-things-every-small-business-owner-must-do]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/saving-for-retirement-4-things-every-small-business-owner-must-do#comments]]></comments><pubDate>Sat, 29 Aug 2015 14:07:34 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/saving-for-retirement-4-things-every-small-business-owner-must-do</guid><description><![CDATA[Planning for the future is often difficult when the present moment is  just so busy, especially for small business owners who never have a  minute to spare. Indeed, according to&nbsp;a recent survey by TD Bank,&nbsp;nearly half of small business owners polled had no retirement plan in place (source: Entrepreneur).&nbsp;But  without the steady security of a built-in pension or 401(k) employer  match, planning for retirement needs to come first. Follow these 4 tips  to make your future a priority, [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;">Planning for the future is often difficult when the present moment is  just so busy, especially for small business owners who never have a  minute to spare. Indeed, according to&nbsp;a recent <a title="" style="" href="https://mediaroom.tdbank.com/2015-05-04-New-Survey-Finds-Small-Business-Owners-Uncertain-About-Retirement-Plan-Finances" target="_blank">survey by TD Bank</a>,&nbsp;nearly half of small business owners polled had no retirement plan in place (source: <em style=""><a title="" style="" href="http://www.entrepreneur.com/article/249118" target="_blank">Entrepreneur</a>).&nbsp;</em>But  without the steady security of a built-in pension or 401(k) employer  match, planning for retirement needs to come first. Follow these 4 tips  to make your future a priority, today.<br /><span style=""></span><br /><span style=""></span> <strong style="">Prepare for risk.<br /> </strong>True, most entrepreneurs are optimists at heart. But you have  to think about worst case scenarios to better assess risk and prepare  your business (and yourself) for some of life&rsquo;s hardships, such as  injury, illness, death, and so on.<br /><span style=""></span><br /><span style=""></span> If ever there comes a time when you can&rsquo;t helm this ship, what would  you like to happen to your business? Do you want to sell it? Do you want  to pass it on to someone else, such as your child? How much and how to  save for retirement will depend on the answer to these questions. Of  course, you&rsquo;ll have to take action to make sure all the legal  formalities are in place should you ever step away for whatever reason.<br /><span style=""></span><br /><span style=""></span> <strong style="">Meet with a financial adviser.<br /> </strong>An accountant or financial planner can help you make more  informed decisions about your money, including savings, taxes, and  investments. Once you know what you want, a financial planner can tell  you how to make that happen. It&rsquo;s just smart to get an expert to weigh  in on these matters, especially if the <a title="" style="" href="http://yodleinsights.com/make-every-dollar-count-5-bookkeeping-mistakes-to-avoid/" target="_blank">finance side</a>  of the business isn&rsquo;t your strong suit. If you don&rsquo;t want to meet a  financial adviser, at least take stock of what&rsquo;s happening. <br /><br /><span style=""></span> <strong style="">Start saving as soon as possible.<br /> </strong>Ideally, you started socking away savings for retirement as a  young person. Realistically, you probably didn&rsquo;t. Most people don&rsquo;t,  unless an employer is matching a 401(k) plan and there&rsquo;s a pension on  the table. In general, entrepreneurs are on their own. Whether you see a  financial planner or not, you need to decide how to save for  retirement. You have many options, including simple, SEP, traditional,  and Roth IRAs or regular or solo 401(k)s. Each has its pros and cons,  and with a little research you can find the one that is the best fit for  you.<br /><span style=""></span><br /><span style=""></span> <strong style="">Grow your business.<br /> </strong>Having a healthy business that is growing in stature and bottom line is a surefire way to be retirement ready. It will mean <a title="" style="" href="http://yodleinsights.com/beating-the-odds-6-secrets-to-success/]" target="_blank">more money for the business,</a>  its employees, and you. It will increase its value should you ever  decide to sell. While you might be tempted to keep putting money back  into the business, especially in its infancy, consider paying yourself  from the start. This way, you can build up savings well in advance of  retirement. And that far-away day won&rsquo;t catch you off guard.<br /><span style=""></span><br /><span style=""></span> <em style="">How are you planning for the future? Let us know in the comments below.</em><br /><span style=""></span><br /><span style=""></span></div>]]></content:encoded></item><item><title><![CDATA[Five Keys to Financial Success]]></title><link><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/five-keys-to-financial-success]]></link><comments><![CDATA[https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/five-keys-to-financial-success#comments]]></comments><pubDate>Tue, 18 Aug 2015 19:00:19 GMT</pubDate><category><![CDATA[Uncategorized]]></category><guid isPermaLink="false">https://www.180degreefinancialcoaching.com/180-degree-financial-magazine/five-keys-to-financial-success</guid><description><![CDATA[  Being a financial coach, many of my clients are looking for a quick fix or the magic pill to meet a particular financial goal or solution. &nbsp;&nbsp;The reality is there is no quick fix or magic pill to get you on the path of financial success.  Here are 5 Keys to having a successful plan.&nbsp;   Having a budget.      Your income is the most important asset you have. Without knowing where      every dollar goes you will never get a handle on the financial success      formula.Budgeting is a [...] ]]></description><content:encoded><![CDATA[<div class="paragraph" style="text-align:left;">  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;"="">Being a financial coach, many of my clients are looking for a quick fix or the magic pill to meet a particular financial goal or solution. &nbsp;&nbsp;The reality is there is <strong style=""><u style="">no</u></strong> quick fix or magic pill to get you on the path of financial success.</span><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="" "font-size:13.5pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;"="">Here are 5 Keys to having a successful plan.&nbsp; </span></strong><span style="" "font-size:12.0pt;font-family:="" &quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"=""></span><br /><span style=""></span><br /><span style=""></span>  <ol style=""><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">Having a budget</span></strong><span style="" "font-size:12.0pt;="" font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"="">.      Your income is the most important asset you have. Without knowing where      every dollar goes you will never get a handle on the financial success      formula.Budgeting is about cash flow management; where can I create money      to save, and where can I find ways to reduce or eliminate unnecessary      expenses?</span></li><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">Having an emergency fund</span></strong><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">. Without 3 to 6 months expenses to cover the      inevitable (Murphy&rsquo;s Law); it is not a matter of <strong style="">what </strong>but <strong style="">when</strong>      will it occur. By not having an adequate emergency fund, most people      resort to using credit cards, borrowing against 401K&rsquo;s, liquidating      retirement accounts; all of which having devastating impact on your      ability to win financially. High interest rates, tax penalties are a      couple of immediate negative consequences.</span></li><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">Staying out of Debt</span></strong><span style="" "font-size:="" 12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"="">.      Having debt is the most devastating of all financial decisions one makes. Debt      robs you of hundreds of thousands of dollars of your future income. Debt      keeps you always broke. Debt is the number one reason for divorce. Debt      also creates stress that ultimately causes chronic health issues. </span></li><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">Right types of Investments or savings strategies</span></strong><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">. Many people invest in insurance products such as Cash      Value (whole life), annuities, universal policies. Insurance products are      the most devastating product you can own for creating financial security      and long term wealth.If you have any of these types of insurances it would      be to your advantage to explore the solutions that will provide for better      protection and better returns than insurance products. </span></li><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"="">Discipline</span></strong><span style="" "font-size:12.0pt;="" font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"="">      is the most important quality you have to win financially; have a plan and      work it. The number one reason people become financially independent is      that they save regularly.It is not about saving a lot money or receiving      high rates of return, it is about the discipline.</span></li><li style="" "mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;="" line-height:normal;mso-list:l0="" lfo1;tab-stops:list="" .5in"=""><span style="" "font-size:12.0pt;="" font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"=""><br /></span></li></ol>  <strong style=""><span style="" "font-size:13.5pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:#1f497d"="">Contact Tom for a FREE 30 Minute Consultation on the above topics.</span></strong><span style="" "font-size:="" 12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:&quot;times="" roman&quot;"=""></span><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;color:red"="">Coaching Fee 50% OFF Coaching Packages.</span></strong><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;"=""></span><br /><span style=""></span><br /><span style=""></span>  <span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;"=""><br /> <a style="" href="mailto:tom@180DegreeFinancialCoaching.com" target="_blank"><strong style=""><span style="">tom@180DegreeFinancialCoaching.com</span></strong></a></span><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="" "font-size:16.5pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;"=""><br /> <a style="" href="tel:608-219-8592" target="_blank"><span style="">608-219-8592</span></a></span></strong><span style="" "font-size:12.0pt;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;mso-fareast-font-family:="" &quot;times="" roman&quot;"=""></span><br /><span style=""></span><br /><span style=""></span>  <strong style=""><span style="" "font-size:13.5pt;line-height:115%;font-family:&quot;times="" roman&quot;,&quot;serif&quot;;="" mso-fareast-font-family:&quot;times="" roman&quot;;mso-ansi-language:en-us;mso-fareast-language:="" en-us;mso-bidi-language:ar-sa"=""><br /> <br /> </span></strong></div>]]></content:encoded></item></channel></rss>