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Blog postAssets – liabilities = net wealth
This is your personal balance sheet. We’ll explore it a bit more in later chapters.
List and total all your assets – your bank accounts, your house (market value), your car, your jewellery – and deduct all your debt – overdraft, mortgage, balance owing on your car, credit cards, loans, store accounts. The result is how much you are worth. Financially, not as a human being.
This might be a negative number, in which case you have more de -
Blog postInside was dark. Justin reached for a light switch, but Connor stopped him. “No need to tell them more than they already know. Where we going?”
Forced to discard his crossbow, and still favouring his wounded arm, Justin stepped carefully to the centre of the room and felt around a dark mass that took up most of the space. Grunting, he walked around the object, bending down on each side.
“WE KNOW YOU’RE IN THERE. YOU CAN’T GET AWAY.” A spotlight hit the shop window, forcing Con -
Blog postWilliam Shatner requested stock options instead of cash when he was hired to be the face of Priceline in 1997. His wise negotiating paid off over the years when the company’s stock went through the roof.
He is quoted as stating that if saving money is wrong, he doesn’t want to be right.
Be like William Shatner.
Income = net salary + investment income + other income (part-time work, lottery winnings, garage sale)
Most of your initial savings will come from your -
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Blog postIf Connor hadn’t ducked to avoid the expected crossbow bolt, he might have caught one of the unexpected bullets that ricocheted off the doorway.
Justin did catch one. Gertie broke free and launched herself across the gap, wrapping her arms around him as he tried to move deeper into the doorway to find cover.
“Get off me! Get down!”
“But Justin –”
He swung her into the wooden door hidden in the shadows. The thud drowned out her grunt. Connor rolled to join them, -
Blog postWhile there are ways to increase your income, it’s pretty much fixed at any point in time. Don’t let that limit you in terms of building wealth. Decide how much you want to save. Set yourself a target for the end of the year. Make it a stretch, but not completely unreachable.
Then look at the resulting equation. Deduct your monthly savings amount from your net income. This tells you how much you have left to spend every month.
We’ll discuss this in more detail in the following -
Blog postGertie laughed. The laugh of the insane. “You always were two steps behind.”
Connor turned to face her, his hands on her shoulders. “We’re going to find a car and get the hell out of here.” Built-up area, plenty of residential, there had to be something.
Steal a police vehicle? Let’s call that plan B.
He peered up and down the street. Listened. Waited. Some shouting from 4th Avenue, otherwise nothing.
He pushed her out of the alley, hand on the collar of her to -
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Blog postWhat’s that you say? You can’t afford to save money? Your bills drain every last penny from your bank account every month?
Who controls those bills, those annoying debit orders? No, it isn’t your bank manager. Or your creditors.
Try again.
The bills are the result of previous decisions you made. Now it’s time to make fresh decisions.
Save a budgeted amount every month before you are tempted to spend that money on new shoes. AND manually transfer anything that’s -
Blog post“Have you got any other wires on you?” Connor shook the girl.
No answer.
“Do you have any other wires?”
Gertie stared at him wide-eyed and whimpered a little.
“Answer. Quickly. I don’t have a problem strip-searching you, but if you don’t answer soon, that police patrol will be back here and blow both of our brains out.”
“The Drop will protect me. You’ll go to hell.” Gertie’s eyes were full of tears, but she held firm.
“Close enough.” He grabbed -
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Blog postIncome – expenses = surplus/ (shortfall)
Simple enough, right? If you spend less than you earn, you will have cash left over. If you spend more than you earn, you will have a shortfall.
You may have noticed that I did NOT say, “if you earn more than you spend.” Spending less and earning more are NOT the same thing. This is an important distinction, critical to your new attitude.
Now that you have taken the decision to improve your financial situation, this is the next -
Blog postThis was Connor’s cue to leap across the rooftop, wrap his arms around Gertie, and carry her with him over the wall, onto the sloping steel roof, and thence to the ground. Fortunately, behind the crossbow-wielding new arrivals.
Fortunate for Connor. Not for the new arrivals. Trapped in a crossfire for the few seconds it took Vihaan to run out of ammo and die – not necessarily in that order – the new boys jerked and jumped in a freakish dance that would have made Michael Jackson green -
Blog postMost financial questions don’t have quick and easy answers. “Where should I invest for the best returns?” “What if I want to double my money?” “Will I have enough to retire?” The answers to these questions require an understanding of the time you have left to save or invest, your investment goal, your attitude towards risk, the current state of the world economy, your monthly expenses, and various other factors that are beyond the scope of this simple book.
Nothing worthwhile is ever -
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Blog postThe three men on the roof dropped back into their defensive positions, this time with no specific direction. They didn’t need to speak. Just a glance let them read one another’s intentions.
Connor crawled across the rooftop, heading for the top of the stairs. The other two spread out to cover opposite corners.
Had the convoy doubled back?
A crossbow bolt thudded into the wooden railing at the top of the stairs, inches from Connor’s face. Not the police, then. Before he -
Blog postThis is not a university textbook. We won’t be exploring technical mathematical models relating to stock valuations.
These are just some basic formulas that you already know. If asked, you could list them yourself. But people lose sight of them, and complicate their own lives unnecessarily.
Over the years, many people have asked me to help them with their finances. After looking at their budgets and bank balances, I would advise where they could cut some expenses, juggle month -
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Titles By John West
25 Gates of Hell: A Horror Anthology
Oct 29, 2020
by
John West,
R.L. Burwick,
Alex R. Knight III,
Jill Girardi,
Dane T. Hatchell,
Brandon Scott,
Shane Woods,
Rich Restucci,
Liam Bradley,
Gregg Chamberlain
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666 (Dark Drabbles Book 11)
Aug 31, 2021
by
Black Hare Press,
G. Allen Wilbanks,
Micah Castle,
Megan Feehley,
Colin Leonard,
Sheri White,
Armand Gloriosa,
Radar DeBoard,
Reuben Paul,
S.A. O’Driscoll,
Jodie Angell,
Scott G. Gibson,
Matthew Wallace,
Delena Brothaigh,
Dusty Burford,
Arlo Gorevin,
Buck Charger,
Ali House,
Emma Phillips,
Kara Jones,
David Green,
R. Wayne Gray,
Marcelo Medone,
Chris Hewitt,
Adrian David,
Jay Faulkner,
River South,
Brian Rosenberger,
Dana Branch,
Beth W. Patterson,
K. Wren Reeds,
Ann Wycoff,
Doug Jacquier,
Bex Pinckney,
Jenniefer Andersson,
B.A. Nielsen,
Collin Yeoh,
Dustin Pinney,
L.T. Emery,
Brian Maycock,
T.A. Arnold,
Louise Zedda-Sampson,
Grace R. Reynolds,
Delfina Bonuchi,
Kurt Adam,
P.R. Tough,
Daytona Bulove,
Jaimie McGivery,
Mike Murphy,
Matt Scott,
Dorann Brooke,
Brooke Percy,
James S. Austin,
John Kujawski,
L.T. Ward,
Frances Lu-Pai Ippolito,
D.J. Tyrer,
Henry Myllylä,
Peter Caffrey,
Blaise Langlois,
Mason Santiago,
Catherine Kenwell,
Robyn Fraser,
Blakewood Grey,
Kateri Tough,
L.N. Hunter,
J.D. Frain,
Jay Alexander,
Jaden Apollo,
Zedonk,
Gus Wood,
S.J. Crowe,
Jade Cinders,
Denver Grenell,
Kimberly Rei,
M. Korps,
Oliver C. Seneca,
Suann Amero,
Renee Schnebelin,
Christopher T. Dabrowski,
Julia Mraczny,
Benjamin Goldstein,
Garrison McKnight,
Christine Bottas,
Simon J. Plant,
Robin Braid,
S. Jade Path,
Aaron Lebold,
Jonathan MacDonald,
August Quinn,
Destiny Eve Pifer,
Meera Dandekar,
Michelle Brett,
K. Wreeds,
J.C. Haggerty,
John Lane,
Wondra Vanian,
August van Stralen,
Rowan Bell,
Benjamin Kurt Unsworth,
Nick Petrou,
Renee Cronley,
N.S. Reiss,
Steven Holding,
John West,
B.J. Thrower,
Charlotte Langtree,
Sean M. Palfrey,
Dasie Barkus,
Gloria Martin,
Sabeen Sadiq,
Lauren Winter,
Tom Trussel,
A.H. Syme,
Constantine E. Kiousis,
Gregg Cunningham,
Billie Griffin,
Eddie D. Moore,
Annya Alexander,
Maxwell Marais,
Keith R. Burdon,
Olivia Ava,
Kelly Matsuura,
Jameson Grey,
Bridget Haug,
Michael D. Evans,
Quinn Shepherd,
C. Danny Castro,
Russell Hemmell,
Stephen Herczeg,
D. Marie Brougher,
Shawn M. Klimek,
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Dorian J. Sinnott,
Bill Hughes,
John Ward,
Michael Anthony Dioguardi,
C. Daniela Castro,
C.D. Castro,
C. Dan Castro,
S.O. Green,
K.W. Reeds,
Amanda Evans,
Dani West,
Tuesday Fang,
Angel Spencer,
Guy Riessen,
Justin Allec,
Gordon Dunleavy,
Ainsley Davidson,
Amanda Cecelia Lang,
Jason Hardy,
Bernardo Villela,
Mason H. Hilden,
Joshua E. Borgmann,
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Peter Kerby,
Gary Clifton,
Hari Navarro,
Gene Lee,
Tracy Davidson,
D.B. Morvid,
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Jay Baird,
Mendel Mire,
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Mason Davidson,
S.J. Townend,
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L.J. McLeod,
Michael Gregory,
Clint White,
Paula R.C. Readman,
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Catrin Lawrence,
Beckett Van Stralen,
Darkbird Bat,
J.F. Garrard,
Cassandra O’Sullivan Sachar,
Raven Isobel Plum,
Mariya West,
Fred White,
James Flanagan,
Cassandra Angler,
Carla Eliot,
Darlene Holt,
Gabriella Balcom,
Rachel Reeves,
Amber M. Simpson,
K.J. Watson,
Rowan Skylar,
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Kevin Singer,
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Sam Lesek,
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Marie Dean,
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Petina Strohmer,
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Sundae Iris,
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Rotten Akers,
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Victor J. Amadeous Beowulf IV,
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Declan Liam McKendrick,
Birgit K. Gaiser,
Lyndsey Croal,
D.M. Burdett,
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Dorn Beaman,
Rajiv de Sega,
Sierra Silver,
Wednesday Paige,
Eddy Vegas,
Dawn Burdett,
Alyanna Poe,
Duran Blondel,
Sam Stephens,
Chris Bannor,
Denys Breuse,
Tammy Bird,
Trina Jacobs,
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Lauraine S. Blake,
R.A. Goli,
Peter J. Foote,
Jim Bates,
Jacqueline Moran Meyer,
Nicole Kay,
Sławomir Mazur,
Karen Thrower,
Burr Nadette,
Elizabeth Nettleton,
Christy Brown,
Grant Butler,
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Avery Hunter,
Mel Mulrooney,
Gary Rubidge,
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Payton Riley,
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Kendal Tomson,
Matthew M. Montelione,
Joanna Hawkers,
Jonathan Worlde,
Dáire Borke,
Jay Sykes,
Jonni Gore,
Kenna Robins
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Burning Roses: a decadent tale of sex, drugs, rock n roll & magick (Burning Books Book 1)
May 8, 2017
by
John West
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Big Day Out: a mad mercenary romp through the dystopian nightmare that Covid-19 might still become
Jul 1, 2020
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Dancing in Valhalla: and other twisted tales of music, magick, mayhem & murder (Burning Books Book 2)
Apr 21, 2019
by
John West
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