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About Me

I'm not an expert in anythng nor would I want to be. I do know something about personal finance and personal money management. My company, 25 Fifty, has developend an online course on personal money management named The Essence of Money. The course is aimed at people 25-50 years old with a family income of less than $50,000 a year. Its purpose is to help the middle class. We know the middle class is hurting but it doesn't have to be that way. Money is the number one cause of divorce in this age group, it is a leading contributor to suicide and it is, of course, the reason most people get involved in online marketing. Studies show that the average family wastes 15%-40% of their income. In my more than 25 years of counseling families, I've encountered families that wasted 50% or more of their income but I have never found a family that wasted less than 15%. There is a way to fix this and it is not as difficult as you might think.

Education and Qualifications

For more than 25 years, I have been a life insurance agent and financial advisor. I have focused on the middle class. I've found that most families I talk to have the same financial problems. Unlike so called financial experts, I learned personal finance sitting across the kitchen table from famillies who desperately needed my help. I have all kinds of eductaion in the field and I have held a number of different licenses in addtion to my insurance license. For instance, I took a 3 year course on financail planning that mostly taught me a bunch of math I have never used. I have never found a client who was impressed or even cared about all the letters I could put after my name. The people I talk to want to solve their financial problems, get out of debt and take care of their children. I know how to do that! I had to select an area of expertise but none of them sound like what I do ---- help people.