In With the Old, Out With the New…

Confusing title? At first glance sure, but keep reading. A new year means another chance to change everything that you didn’t quite seem to get to last year. Was one of those changes buying a new cell phone? What was wrong with the old one? Did it make phone calls like it was intended to do? Maybe you wanted to upgrade to a new phone because of the text messaging feature, the camera, the email alerts, or the fifty-trillion applications that you never use.

Buying a new car is always a blessing. Why did you buy one? Was it to get the new model that looks and drives like the old model, but costs ten thousand dollars more? The ten thousand dollars amount – exaggerated I know – is for the added comfort of two extra cup holders on the doors, just in case the four in the center aren’t enough.

The old way of wearing clothes seemed fine. You put on a shirt to cover the top portion of your body, and pants or skirts to cover the lower. The new way to wear clothing is to show as much titty and ass-crack allowed by law. Isn’t there an old law for indecent exposure? Sneakers that light up so kids can see themselves when they’re outside playing at night. Uh, the old way was to have your ass in the house before it got dark.

A savings bank between your mattresses may not gain interest but taking it into the bank opens up a whole new world. It is the avenue for a pleasant exchange with the teller, and it provides security and light chatter to get the teller through the work day. The new – online banking, ATMs, and hidden fees that show up when you have no money to pay them. Overdraft!

Respect. What has happened to teaching our children about or adults living in respect? Adults are not supposed to swear, but we do. In the old days children would sneak and swear when adults weren’t around. The new children? Awww, Lawd! Somebody wash that child’s mouth out with bleach! They don’t use the proper salutation when addressing us either. Somewhere Miss, Mr. and Mrs. was replaced with whatever they felt like saying at the time.

 Who decides to keep changing technology? Who are we keeping up with? What is happening to the technology of your family? When a fifteen year old boy texts his mother to tell her that he got his girlfriend pregnant we have gone too far! Sex and texting? Awww, Lawd! Sitting at the dinner table eating as a family isn’t the same when everyone is checking their Blackberry. We really did leave having dinner as a family to Beaver

An old saying that has been around for centuries is to never burn a bridge, because you never know when you might have to cross back over it. How many bridges have you burned to keep up with the new? Understandably old may not have a place in your life. You may have gained so much new weight that your old clothes don’t fit. You may have made decisions that changed the outlook on your life, and old relationships have to remain as is.

Life is forward motion. Standing still or living in the past is coffin fodder. We have to embrace change if we want to stay in the know. Record album, 8-Track, cassette tape, CD and MP3. The joy of going into the fast-food restaurant has been reduced to sitting in a line full of exhaust to receive a bag from the drive-thru. One window for orders; the next your edible delights. Get the product to the consumer as quickly and as compact as possible. Choke and go.

I love new. The internet and blogging, new shoes, new opportunities, you know, the new positive stuff. New is wonderful, familiar is comfortable, but old has always been reliable and reassuring. Can new become old and have lasting value, or is it new for such a short period of time that it fades away without a memory?

We decide what is best for our lives. If new is causing your decision-making process chaos to your megabyte memory storage files, press ctrl+alt+delete and save out with the new and in with the old.

I luv yah’ll

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Intimate Conversation with Author and Wealth Coach Deborah Owens

Intimate Conversation with Author and Wealth Coach Deborah Owens

Deborah Owens’ passion is helping people of all incomes build wealth. She is a sought after speaker and expert on the topic of entrepreneurship and financial empowerment.

Deborah is the Wealth Coach on My Generation TV which airs nationally in 30 million homes. She is author of “Confident Investing: A Wealth Building Guide For Women” and “Nickel and Dime Your Way to Wealth”. Her new book “A Purse Of Your Own” is scheduled for publication by Simon and Schuster in 2009.

Deborah is host and executive producer of “Wealthy Lifestyle Radio” a personal finance talk show that airs on the NPR affiliate WEAA 88.9 FM in Baltimore, Md.

She is sought after speaker and has toured nationally with B.E.S.T. featuring Bishop T.D. Jakes and Magic Johnson, God’s Leading Ladies, Working Women Events and The NASD Office of Individual Investors. Deborah is President of Owens Media Group LLC, which creates financial empowerment programs for companies and organizations.

• INTRODUCE US TO YOUR BOOK:
A Purse of Your Own is a book that shares how women can create wealth. This books shares the attitudes and behaviors of financially successful women.

• WHERE ARE YOU FROM?
I was born and raised in Detroit, Michigan and have lived in the Baltimore Washington DC metropolitan area for the past 17 years. I have spent more than twenty years in the financial services industry and am a former vice president and regional sales and marketing manager with a global mutual fund company.

• WHY WAS THIS BOOK SO IMPORTANT TO CREATE?
This book is part of my larger vision which is “The Power of the Purse Campaign” to engage, enlighten and equip one million women to become financially empowered. Although women have made great strides and earning more income far too many of us are not achieving financial independence. We must change our mindset from earning income to building wealth. My true passion is sharing that society can build wealth on any income.

• HOW WILL YOUR BOOK IMPACT RELATIONSHIPS?
This book encourages women to make sure they put aside funds for the long term. It will require making their financial future a priority. This is a distinct change in societal norms which encourages women to sacrifice for others. This book implores women to create a purse of their own.

• WHAT WOULD YOU SAY HAS BEEN YOUR MOST SIGNIFICANT ACHIEVEMENT WITH THIS BOOK?
My most significant achievement has been the reviews that the book has garnered and its’ reception by women who are embracing the concept of forming Purse Groups to provide support and accountability on the path to financial freedom.

• SHARE WITH US YOUR LATEST NEWS OR AWARDS:
We have had very favorable book reviews. The first from Publishers Weekly which said, “sensible advice…a plethora of resource listings and sound suggestions make this a winner for women looking to gain financial freedom. Book Page said, Owens turns the purse metaphor into a wealth philosophy and provides tips, action steps and “purseonality profiles” for her seven must-have wealthy habits. It starts with cleaning out that purse to cultivate a Wealthy Outlook that allows you to dream big again. Some of the best advice comes at the end as Owens details how to start your own Purse Club and covers nine “pursessentials.” To that end, we have built a community at http://www.apurseofyourown.ning.com where women can obtain information on how to get started, communicate with one another and get support.

Purchase A Purse of Your Own today at Barnes and Noble
http://search.barnesandnoble.com/A-Purse-of-Your-Own/Deborah-Owens/e/9781416570813

Author: Deborah Owens
Book: A Purse of Your Own
ISBN-10: 1416570810
ISBN-13: 9781416570813
Website: http://www.deborahowens.com

The Power of One Wealthy Habit by Deborah Owens

The Power of One Wealthy Habit by Deborah Owens

The Power of One Wealthy Habit by Deborah Owens
Nutritionists will tell you that acquiring the habit of drinking eight glasses of water every day helps to take off the pounds. Is there a scientific basis for this recommendation? Not really. While water contains no calorie-reducing properties, people who drink a half-gallon of water daily are less likely to quench their thirst with sugary drinks that promote weight gain. What a difference one habit makes.

Why not apply this same approach to your finances by adding one wealthy habit to your lifestyle to reduce debt and jumpstart your financial future? That’s the way Kenyatta plays the money game, and it works.

Kenyatta is a young woman who called into my radio show in Baltimore recently. She was excited. “Ms. Owens, I made the maximum contribution to my retirement plan and put this year’s IRA contribution into another mutual fund,” she said.

If you thought building wealth required a major overhaul of your finances, I am here to tell you to simply start by developing one wealthy habit. For Kenyatta, that habit was saving money at an early age – a routine that keeps on paying her. Smart personal finance starts with one positive habit, like Kenyatta’s, which might not get you instant results, but becomes a lifestyle change that can bring many happy returns over the years. What is yours?

• Wealthy Habit No. 1: Show Me the Money
Track every dime you spend. One of the callers to my radio show shared that she and her husband kept every receipt and entered the amounts in a spiral notebook every evening. They knew exactly how much they spent and, more importantly, kept a running balance. The result was that they were debt-free and planning on early retirement. Now that’s what I call “show me the money.”

• Wealthy Habit No. 2: Cash Is King
Paying cash for your purchases can help you to put the brakes on frivolous spending. Leave the credit and debit cards at home. An all-access pass to your bank account can be detrimental to your wealth. Behavioral scientists have found that people are likely to spend twice as much when using credit instead of cash.

• Wealthy Habit No 3: Just Set It And Forget!
Want to buy a home or need to save more for retirement? Set up automatic investment programs and have the money deducted from your paycheck or checking account. If you put your money to work immediately, it won’t take a vacation or get lost on it’s way to the mutual fund. Systematic investment programs can help you to stay the course and develop the most essential habit of all: Saving.

One other suggestion I have is that you begin by deciding which one of these habits you are willing to commit to. Like a low or no-carbohydrate diet, if you try to make a total lifestyle change it will most likely result in a buying binge with your credit cards at the nearest mall. Commit to acquiring one wealthy habit at a time, and build on your success.

Meet the Author of A Purse of Your Own Deborah Owens passion is helping people of all incomes build wealth. She is a sought after speaker and expert on the topic of entrepreneurship and financial empowerment.

Deborah is the Wealth Coach on My Generation TV which airs nationally in 30 million homes. She is author of “Confident Investing: A Wealth Building Guide For Women” and “Nickel and Dime Your Way to Wealth”. Her new book “A Purse Of Your Own” is scheduled for publication by Simon and Schuster in 2009. (ISBN-10: 1416570810)

Deborah is host and executive producer of “Wealthy Lifestyle Radio” a personal finance talk show that airs on the NPR affiliate WEAA 88.9 FM in Baltimore, Md.

She is sought after speaker and has toured nationally with B.E.S.T. featuring Bishop T.D. Jakes and Magic Johnson, God’s Leading Ladies, Working Women Events and The NASD Office of Individual Investors. Deborah is President of Owens Media Group LLC, which creates financial empowerment programs for companies and organizations.

Deborah Owens Website: http://www.deborahowens.com

Purchase A Purse of Your Own today at Barnes and Noble
http://search.barnesandnoble.com/A-Purse-of-Your-Own/Deborah-Owens/e/9781416570813