100 Word Flash – Plan for the Future…


His cell phone has a hinge. He’s been driving the same minivan for 15 years. His dinner is water and a bologna sandwich. He has a twenty inch TV without cable. Every dime scrutinized, every penny saved. Never uses credit. Nothing wasted. He checks his savings and 401K every month. Each year he analyses his Social Security payout statement. His sacrifice will pay off in retirement. It’s going to be done right. Travel anywhere he wants, eat anything he pleases. He won’t be dependent on anyone. For his 64th birthday his doctor gave him a surprise gift of six months.

Weekly Fortune Cookie

Fortune Cookie (2)

“But Wait, if you order it now, we’ll send you a second one free.”

“Act now for this limited time offer.”

“Let me talk to my manager and see if I can do a little better.”

There are so many so-called opportunities that bombard us every day that we have an entire industry built around ‘temptation’…it’s called marketing strategy.

It usually involves offering something for little or no work and risk free. But remember my friends, if it sounds too good to be true, it probably is.

For example, let’s look at one of the biggest scams there is…the lottery. It offers the “opportunity” for instant wealth (at only the odds of 300,000,000 to 1). Think about it…If I could save $1 per day for 50 years (18 years old to 68 years old) and put that money into a jar in my back yard, I’d have $18,250, not counting leap days.

In a Money Market savings account at just 1% interest it would leave me with $23,646.

Now, if I invested that same $1 in an ETF (Exchange-traded Fund) at 11.23%, I could have $698,450.

That my friends, is a true opportunity.