Hi All,

Here is today’s financial tip. Consider riding your bicycle to work.

If you live in an area where it is possible to ride a bike to work, give it a try. This will save you in two ways. First, you won’t have to pay for automobile expenses like gasoline and maintenance. Second, the regular exercise will help to stave off ill health. This means that you could save money on health care in the long run.

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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