Joe Sangl

• Money Help: Maximize money when shopping for Christmas presents Published 11/15/2009 at midnight

  A great to way to prevent overspending for Christmas is to prepare a special budget for Christmas. Jenn and I save a little money each month for Christmas. In November, we prepare a plan for that money.

• Money Help: With a little research, purchasing used items is a great way to save money Published 11/08/2009 at midnight

  I have discovered, however, that new does not always equal better. In fact, I have learned many times that I can purchase used items, save a ton of money and receive an equal level of performance.

• Money Help: Ways to teach your children about managing their money Published 11/01/2009 at midnight

  It is important for our daughter to learn to give, save and spend some of the money she receives. We require that the spending plan includes 20 percent for giving, 20 percent for saving, and the rest is for spending ...

• Money Help: Look to your ‘heroes’ in your drive toward financial freedom Published 10/25/2009 at midnight

  We all have that person or persons we look up to when we think of wealth or money management.

• Money Help: Save money by planning for the future, paying cash for large purchases Published 10/18/2009 at midnight 1 Comment

  Adjust your monthly spending plan to include this new savings fund. If it helps, you can establish a separate savings account with an automatic bank draft that will move this money from your bill paying account once a month. This ...

• Money Help: Details are important to the success of managing personal finances Published 10/11/2009 at midnight

  Details can drive one crazy. The solution? Find ways to automate the details, or find someone to address the details for you.

• A raise: You get what you negotiate, not what you deserve Published 09/27/2009 at midnight

  The No. 1 way to receive a pay raise is to become more effective at helping your organization produce better results. I once heard Dave Ramsey, a noted personal finance and leadership expert, state, “Your pay raise becomes effective when ...

• Refinancing can be a valuable tool for restructuring debt Published 09/11/2009 at 9:34 p.m.

  I usually respond that it is essential to restructure high-interest debt to low- and no-interest to gain traction toward debt freedom

• Social media offer numerous opportunities for business owners Published 09/08/2009 at 4:05 p.m.

  You can use Twitter, Facebook, MySpace, Linkedin, blogs, Web sites, Tokbox and Skype, to name a few.

• Tenacity, vision, belief — a few of the characteristics great leaders share Published 08/22/2009 at 6:24 p.m.

  I recently had the tremendous opportunity to speak to hundreds of leaders.

• Do your customers know they are important to you? Published 08/10/2009 at 12:26 p.m.

  We value our customers!” How many times have you seen a statement similar to this at the businesses you visit?

• Too many distractions can cost huge amounts of time and money Published 07/25/2009 at 10:33 p.m.

  State your vision and obtain accountability to start on the path to financial wellness.

• Money Help: Save money on groceries using coupons Published 07/18/2009 at 9:39 p.m.

  The Web offers plenty of resources in helping you save at the grocery store.

• Looking for the greatest deals around us in a down-turned economy Published 07/13/2009 at 1:34 p.m. 1 Comment

  I heard recently that the No. 1 leading phrase used lately in the online world is “in this down economy”

• Dabbling in stocks sharpens interest in investment world Published 06/27/2009 at 5:20 p.m.

  I want to be clear that the vast majority of my investments are in mutual funds (that are comprised of hundreds of individual stocks), real estate and small business. However, one reason I continue to invest small amounts of money ...

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