Conquering Your Financial Empire

Avocados Cost Millennials a Chance at Prosperity

Published May 21, 2017 in Debt , Real Estate - 1 Comment

Hey everyone, I’m a Millennial.  Rather shocking I’m sure.  It’s amazing a young fella like me can find time to write a blog in between stuffing myself with avocado toast and mochachinnos and working 24 hours a week.  If you didn’t catch the reference, you’ve probably avoided reading the news in the last week.  Click the link to catch up.  A brief recap: Aussie developer Tim Gurner said that, in no short sum of words, the biggest obstacle Millennials face in wealth creation and home ownership is themselves.

Needless to say, I’m rather perturbed by Gurner’s assessment.  I know personally, I’m not the preferred audience of his Millennial bashing.  I am an educated, money-saving, hustler.  Heck, I get mad when my kid only eats half of his $7 kid’s meal!  I only want to pay $3.50!  It’s not the words that upset me.  It’s the perspective.  Gurner is intentionally ignoring all of the data that says, even though he’s only a decade older than me, he entered a vastly different marketplace than I did – in terms of both home prices and opportunities. Continue reading

Door Knocking: A True Professional’s Guide

Published May 14, 2017 in Sales , Small Business - 3 Comments

As a Realtor who focuses primarily on digital marketing, I’m tasked with following a LOT of social media.  Some of this means I’m posting advertisements or fun things to read on my business page, sometimes it means getting involved in a community discussion on a Facebook thread.  All of it involves getting to know those around me to increase my brand.  No, I’m not your friend JUST to try and push my wares down your throat.  I am genuinely a people person and I love helping those around me.  However, I am in sales.  I am a salesman.  If you don’t know that I’m a salesman, you can’t be faulted for not purchasing from me.  It’s my job to tell you.

That’s the crux of sales though isn’t it?  In order for you to know about me, I have to interrupt your day with something you didn’t necessarily ask to be informed about.  I might do that via an e-mail, phone call, radio ad, or knocking on your door.  However, no matter which way I do it, I’ve interrupted your day.  So where does this topic stem from?  Well, as I said, I follow a lot of social media.  Turns out my fellow community mates aren’t a huge fan of door-knocker solicitations.  As it also turns out, I am a door-knocker solicitor.  How’s that for conflict in our little story?  Consequently, this article will be a little bit of backstory on my sales approach and why I do it.  I’d also like to give some tips to fellow door-knockers. Continue reading

Septic Tank vs. Sewer: Fight of the Century

Published May 7, 2017 in Real Estate - 4 Comments
septic tank vs sewer

Here it is ladies and gents, the battle of the century.  A colossal and magnificent foray between two heavyweight contenders.  A battle that has raged on for decades and will continue for many more to come!  What will the Fates decide at the end of this story?  Only time will tell who is the victor in the Battle of the Bacterium. . .

In the Red Corner, we have Septic Tanks!  These lean, mean, underground fightin’ machines are localized on a property and filled with bacteria.  Whether you go number one or number two, the tanks turn it all into goo!  The technology hasn’t changed much since the days of cesspits, but if it ain’t broke don’t fix it!

Aaaaand in the Blue Corner, we have a modern-day Sewer System!  Sleek, heavy, and all-around movers and shakers, these systems are expansive.  Each home is hooked up to a central line and all of the refuse is taken to a central location.  A one stop shop for your slop! These waste facilities are state of the art.

In the tale of the tape, the septic tank has age and experience on their side while the sewer system has a centralized knowledge and funding to support it.  We’re ready to move now to the Octagon.  Septic vs. Sewer.  It’s Garbage Time!  LET’S GET IT ON! Continue reading

How to Decide on an Offer Price for a House

Published April 30, 2017 in Real Estate - 1 Comment

I’m always looking for new and exciting things to write about.  Especially when those ideas come from readers of the blog.  Consequently, I was fishing for ideas from some of my co-workers at my sheriff’s agency when one of them posed an excellent topic.  How the heck do you decide on an offer price for a house?

You see, this co-worker has a friend who was shopping for homes and making offers without me!  A travesty in and of itself!  I’ve since rectified the initial problem by convincing her I’m the bestest Realtor out there.  However, she was frustrated because she didn’t really understand how to make an offer price and felt like the Realtor wasn’t being straight with her.  Common problems, sadly.  Do you go above asking?  Below?  When is it appropriate to make a full-price with contingency offer?  All valid questions and all things I will discuss. Continue reading

Interest Rates: Will They Ever Go Up?

Published April 23, 2017 in Budget , Retirement Planning - 2 Comments
Interest Rates Don't Make Sense

Do you remember a time when your savings account could fetch 4-5% returns a year?  Pepperidge Farm remembers.  Alas, we live in a bottomed-out interest rate environment.  Granny and Gramps are unsure of what to do with their retirement money, because the historical go-to for liquid funds isn’t providing a steady enough return to recoup some of their living expenses.  Yikes!  Hopefully it’s not too upsetting for the grandparents though; otherwise you may need to have the talk.

Personally, I was predicting a 1-1.25% increase in the Federal Funds Rate (FFR) this year and that might be good news for people looking to put more of their assets into a conservative savings account.  Especially since December of last year we’ve seen an uptick of half a percent in the FFR.  But don’t get too excited.  An increase in the FFR isn’t necessarily a predictor of the market interest rate! Continue reading

United Airlines: Did They Just Crash and Burn?

Published April 17, 2017 in Brand Management , Small Business - 4 Comments

In case you missed it, an Asian man was drug off a United Airlines flight after being randomly selected to get booted.  If you’re looking to chuckle at another man’s plight, I encourage you to check out United Airline memes.  In true internet style, they’ve created a stunning recollection of the event.  United gets lambasted.

Really quickly though, I’d like to get one thing straight.  United Airlines HAS.  NOT. Lost $300-500 million.  They’ve lost $1.81 in their stock price.  That’s not ‘real’ money; it’s not revenue.  It’s stock that United Airlines lost possession of years ago when they sold it for financing.  And frankly, PR incidents like this have made companies lose far more than $1.81.  For all the hoopla, they’ve lost 1.23% in their stock price.  Companies lose more than that for bad quarterly earnings!  Heck, I’ve lost more than that on Fitbit!

This article though will be my own take on the do’s and don’ts, and then finally, what could United Airlines do differently? Continue reading

My First Trade Show and how I Survived

Published April 9, 2017 in Career , Small Business - 2 Comments
CFC at a heroes trade show

As a young guy growing up, I was a big dude.  So big in fact that I used to work security and door watch for a couple travelling toy conventions that used to come through town.  I wasn’t unfamiliar with trade shows; however, I had never worked one as a vendor.  That all changed recently.  It was a great time and I’m going to tell you all about it!

Before we get into my experiences running my first vendor booth, I’d like to address something quickly.  Cash Flow Celt is expanding scope!  I was having a lot of trouble writing ‘just’ personal finance articles.  It felt like a narrow approach because I’m passionate about small business and marketing as well.  I also felt like I needed to start a NEW blog and add a NEW item on my plate to go forth with real estate marketing and making a spotlight for local business (not to mention more hosting and domain fees).  That’s when I got the idea to just use the platform I have and just link the two.  Consequently, you’re going to see an expanded breadth of content where I really just write about whatever the heck I want to write about.  If you want to see a really well put together blog that covers multiple ideas tied into the same theme, check out!  He’s a Marine who served time overseas, came home and is now a police officer in California; all the while writing – as an aspiring blogger – on a quaint little smart device from his patrol car.  His blog format is why I felt I could be successful with this CFC refocusing.

Now back on to the show! Continue reading

Tale of Tails: Why Small Business Works

Published April 3, 2017 in Small Business - 2 Comments

I was getting ready for work one morning and peered into my dog’s cage – as I always do – and something caught my attention.  Something that I’ve seen a hundred times and never paid any mind.  There they lay, sleeping soundly: one on a large bed, the other on a mish-mash of blankets and propping his head up with a small, hamburger pillow mashed between his gigantic paws.  My two dogs, cozily asleep, held the key to why small business works!

Hear me out.  Just because I get up at 4:00AM doesn’t mean this was a sleep-riddled thought of a brain struggling to work.  I have two dogs.  One is a medium sized yellow lab mix who occasionally responds to the name of Bran (that’s pronounced like Brawn).  He’s about 45 pounds. The other is a small Rat Terrier and Chihuahua mix named Sceolan (pronounced Shkeeolan).  He steps to the plate at a whopping 15 pounds.  As you can probably guess, Sceolan gets the big bed; Bran gets the scraps.  When Sceolan growls, Bran moves.  When they wrestle, Sceolan wins.  The only time Bran comes out on top is when I accidentally drop some food on the ground and he evolves into the Hungry, Hungry Hippo and swallows everything in his path.  Some things just aren’t worth fighting for.

The point remains though.  Sceolan embodies why a small business stand up to big business (or an entrenched competitor).  Even in a difficult environment, the little guy can win.  It just takes some grit and determination.  Continue reading

Bologna: The Deli Meat That Could

Published April 1, 2017 in Policy Analysis - 4 Comments
April Fool's Day 2017

Today, I’d like to mix it up a bit and tell you all about something dear to me.  Being the Cash Flow Celt, it’s not strange idea that I’m very frugal.  With the every rising costs of food, I’m always looking for great ways to eat cheap.  Enter the man, the myth, the legend…Mr. Bologna Sandwich

Due to the variation of bologna around the world, as well as its versatility, I wanted to take a moment and sing the praises of the unsung hero.  The mystery meat gets a lot of flak, but stands strong as the fourth most popular lunch meat garnering 10% of all deli meat sales.  Ham and Turkey make up 59% of all total sales. Continue reading

Valentine’s Day 2017: Pick-up Lines for Champions

Published February 14, 2017 in Policy Analysis - 0 Comments

I promised you all an extra post for Valentine’s Day in my last article.  I’m nothing if not a man of my word.

So, in tune for our special, sappy holiday I’d like to present you some pick-up lines.  Not just ANY pick-up lines of course.  These are special.  They’re all finance and economics related!  Use these on any lovely lady you find and you’re sure to shoot above your production possibilities curve!  Most of these are written by yours truly.  A couple of been rehashed through the years.

….On another note, if you end up slapped or cold and wet due to the use of the lines, I am in no way responsible.  I’m blaming your delivery – these are golden.

Let me know what you think of ‘em!

Econ Pick-up Lines

  1. In a closed system of me and you, we’ll have to increase our unemployment targets. We’re about to introduce some friction in the economy.
  2. Love is a highly inefficient marketplace; equilibrium never intrudes. Well, we have no shortages in our market even with my price floor set on loving you.
  3. X Marx the spot, Cupid must have got me in his view. I’d like to get more than just Das Kapital invested in you.
  4. Don’t look to the Fed ‘cause this inflation won’t quit. We’re on the Road to Serfdom; my interest in you is at 100%
  5. I could think of baskets of X* and Y* all day, but I’m indifferent to them all because I still end up with U*
  6. Dang girl, the way you looking my demand is inelastic. I’ll pay any price you charge ‘cause you lookin’ fantastic.
  7. Compared to other men I’m the wealthiest of all and by more than a small sum. You can tell Lorenz you broke the curve ‘cause you keep my Gini at 1.
  8. You look great; getting ready must be a labor of love. Supply curves aren’t the only thing bending backwards for you.

Happy Valentine’s Day everyone!

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