Saving Tips

March 23, 2020
blog_featured_coronavirus-1280x853.jpg

For what it’s worth I thought I’d share my thoughts.

As background, you should know that, as a hired gun stock investor from 1990 to 2000, I was able to both invest people’s money very successfully and also to call every major move of the stock and real estate markets from 1990 to 2008. Since then, however, I have been completely unable to do so and the reason as I see it is that we have had a rigged market since 2008.

Over 75% of all stock purchases since 2008 have been companies buying back their own stock, often using debt.. printed money.. to do so.

Lately, I believe I’m beginning to be able to call things again, as since Jan 1st I’m up 9% while the S&P is down 29%.. a 38% difference.

I believe we are facing a greater than 50% probability that we are entering no less than a depression.. a very bad thing for the stock market, the real estate market and, most importantly, for people’s jobs and lives.

Given this, I am and will be shorting.  I’ve stuck to a huge position in gold, silver, and gold and silver miners stocks. The miner stocks, in particular, have been decimated.. down about 40%, YTD. I believe, however, that the reason is massive market rigging by the big banks and the government to suppress the prices of those metals as they would otherwise undermine their interests. I do believe, however, that time is running out for them and when it does that gold and silver will skyrocket.

So there are my thoughts at this time. I hope it helps.


December 27, 2017
blog_featured_happy_girl_saving-1280x853.jpg

I’m sure I don’t need to tell you that the goal of any business is to make the most money it can, not to give you the best price, the best deal.

So how do you get that best price, that best deal?

It’s simple really. You ask for it.

The bottom line is that when people asked for a better price, they received it more than two-thirds of the time. 58% of those that ask for a lower medical bill get one, but over 70 percent of the time people just don’t ask. Either they don’t know the money’s there, don’t know how to ask for it, or are just uncomfortable doing so.

The money is there, but asking for it and especially how you ask, has a very big impact on whether you’re successful and especially on how much you save.

What you need to do is actually very easy and anyone can do it. Most of the time all you need to know is 3 simple things to do.. really simple.. and two simple sentences.

Do these things and most of the time the money is yours.. a lower price on whatever it is you’re buying and, in most cases a lower price for services.. all kinds of services.. cable, phone service, professional services of all kinds.

And like I said you’ll even have fun doing it. Kinda like playing a video game where you get paid in dollars, not just points.

What to learn more? Just go see my video course.. How to Get a Better Price or Deal on Almost Anything.   P.S. It’s free to all.

Continue to Course


February 20, 2013

Although cars are both necessities and often a pleasure to have, they consume a pretty amazing percent of our hard-earned money every year. The truth is that your approach to cars alone can truly alter your finances. So how do you win when it comes to car buying? Here are some steps to take that can make a huge difference:


March 1, 2012

Yeah, yeah, I know all too well that money isn’t the ultimate source of true happiness, but I tell you, having financial security and knowing that I’m making smart choices about my money sure do provide a nice warm feeling. Sadly, money has become a huge source of stress for most people and is now the number one cause of divorce, of health problems, and of unhappiness. If this is the case for you, you can change it if you decide to, and I believe you'll find it well worth the effort. Here are three straightforward yet very powerful steps to get you started.


January 27, 2012

There are so many advertisements out there for identity theft protection. They’d have you believe that that tens of millions of people have been the victims of identity theft and that the problem is growing by leaps and bounds. The commercials are emphatic that you just "can't afford" to be without protection. And over 50 million American's have bought into this idea, subscribing to one or more theft protection services at a cost $100-200 a year or more. So is it really the dire problem it’s made out to be and what should you do to protect yourself?


November 3, 2011

There are so many things you could do with an extra $1,000 a year. You could create an emergency fund for unexpected expense, such as a health emergency or car repair. You could put a big dent in your credit card debt. You could make some extra car payments and shorten the length of your loan. Or you could put it into your child's college fund to grow over time.