Joes Map

This is the car that is probably the coolest thing to hit the road since cars were invented, it is named Tesla and runs entirely off electricity or batteries. The car is super fast going from 0 to 60 in less than 4 seconds and looks super cool. The price tag is a little steep for the average Joe like myself but i am looking forward to seeing this technology put in all automobiles here in America because we need to get off our dependence on foreign oil here otherwise our economy may collapse but definitely a recession if nothing is done to get America off oil.

And if what ever the next fuel source is needs to be environmentally friendly, people talk about how we should grow our next fuel source and some suggest making something from our food supplies as a fuel source and to all of them I say no, we need to have our cars run of electricity and have solar panels recharging the batteries for our cars. IF people in the north east want to heat there homes with bio fuels i say for it but our cars need to run off batteries that can be recharged from solar panels or other solar means.

Technology, innovation, saving money, and doing it in style. That’s what I’m posting about!

This is something that I make all of my clients do, and everyone should do it at least once a year. Look into your insurance. Are you paying for insurance that you really don’t need? I was paying for earthquake insurance for years, and I love far away form any major fault lines.

Is your insurance enough? Believe it, you can save a lot of money by having more insurance too. If you have a lot of jewelry, or guns, or a home office, make sure that those things are covered by your current policy. I have heard weeping horror stories about entire collections that were destroyed by a fire, and the people who lost it all thought that everything in their home was covered, but their policy did not cover more than $1,000 for jewelry, and their collection would of cost for than $10,000 to replace.

Be sure to find out what your policy covers, is it replacement value, or current value? This could cost you in several ways, it is good to know before you need to replace computers for your business that you will be able to replace them if something happens.

Another thing to keep an eye out for is coverage for your land, home or business itself. Many people are surprised to find that their policy only covers 80% of the value of the home, this is common, it protects your mortgage holder, but it doesn’t do much for you if have $50,000 in equity, yet your insurance will not pay you a dime of that.

Most of my clients end up adding some coverage to their policies, and it costs very little, but it’s the only way to get the peace of mind that they thought they should already have.

Most people I have talked to know that they can pay off a mortgage in 15 years instead of 30 by paying extra money each month, but most people do not do it. When friends are looking to buy real estate I often try to talk them into buying something cheaper. It makes much more sense to me to have something you can pay off quickly, own, and get into buying more property.

If I told you that living in a slightly cheaper neighborhood today could net you 3 houses to own in the same time you would be paying for that big house that stretches your budget, would you consider it then?

Another way to convince friends to calculate their mortgage payments and options is to give them the jail scenario. If you have no house payment, and bills, you would be free. Free to do what you want when you want. If you have that mortgage bill coming every month for 30 years, that’s like a life sentence. Wouldn’t you rather be free in 15 years instead of 30?

Start calculating your mortgage options now!

Mind mapping is not my favorite term for it, but it’s what most people know it by I guess. I think mind mapping, or getting the flow out on paper as I like to call it, is a powerful tool. I have drawn so many mind maps over the years, it has helped me accomplish the multiple businesses and relationship goals I have set for my life. With getting the flow out on paper I would just have too much stuff stuck in my head.

It’s a great way to get rid of stress for me, and helps to get it all out. I am often amazed at how much easier I can sleep, or move on to other things once I have jotted down all my semi connected random thoughts. I also find new area of inspiration, and sometimes find things that are deep in my mind that I had not been overly consciously aware of.

Last year when it came time to get everything together for vacation I had to use a mind map. It is rare that I get to spend two weeks are from work, and there were so many things on my mind, without a mind map we would have never made it to Hawaii, much less been able to have a good time while there. My mind mind helped me plot out everything that needed to be done before we left, and helped me stay on focus to have a good time and enjoy it while we were there.

The vacation mind map saved me time and money, I recommend everyone jot down mind maps on a regular basis.