{"id":584,"date":"2021-04-19T04:15:54","date_gmt":"2021-04-19T11:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=584"},"modified":"2024-04-27T11:23:32","modified_gmt":"2024-04-27T18:23:32","slug":"personal-finance-for-dummies-its-as-easy-as-a-b-c-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id584-personal-finance-for-dummies-its-as-easy-as-a-b-c-2.html","title":{"rendered":"Personal Finance For Dummies: It’s as Easy as A-B-C"},"content":{"rendered":"

\"\"<\/a>Most procrastinating high school and college literature students know that when they’ve put off their reading assignments to the point where they no longer have the time to actually read<\/em> the book, they can always rely on Cliffs Notes.<\/p>\n

Some kids are hooked on Cliffs Notes like a bad drug. Heck, I’ll bet well over half of you used them when you were in school.<\/p>\n

Don’t deny it; I know you did.<\/p>\n

Not me, though. Okay. Maybe I did a few times — but only as a study guide after reading the books in their entirety.<\/p>\n

Well … most of the time.<\/p>\n

Anyway, for those of you who want a quick and easy read on the basics of good personal finance, I’ve put together a series of quotes and general wisdom regarding money and personal finance that are the official Len Penzo dot Com version of Cliffs Notes.<\/p>\n

In fact, you can call this my A-B-Cs of good personal finance.<\/p>\n

Best of all, after reading these little nuggets of financial wisdom<\/a>, you may not become an instant expert on the subject — but you should have enough knowledge to at least get a passing grade.<\/p>\n

Here we go:<\/p>\n

A<\/span><\/strong>nnual income, twenty pounds; annual expenditure, nineteen pounds; result, happiness. Annual income, twenty pounds; annual expenditure, twenty-one pounds; result, misery. — Charles Dickens in his book David Copperfield*<\/em><\/p>\n

B<\/strong><\/span>uy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing. — J.P. Getty<\/p>\n

C<\/strong><\/span>ontent makes poor men rich. Discontent makes rich men poor. — Benjamin Franklin<\/p>\n

D<\/strong><\/span>on’t tell me what your priorities are. Show me where you spend your money and I’ll tell you what they are. — James W. Frick<\/p>\n

E<\/strong><\/span>mpty pockets never held anyone back. Only empty heads and empty hearts can do that. — Norman Vincent Peale<\/p>\n

F<\/strong><\/span>or a happy marriage, wise is the husband who understands that what’s hers is hers and what’s yours is hers<\/a>. — Len Penzo<\/p>\n

G<\/strong><\/span>ood habits result from resisting temptation. — an ancient proverb<\/p>\n

H<\/strong><\/span>e is richest who is content with least. — Socrates<\/p>\n

I<\/strong><\/span>f you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem. — J.P. Getty<\/p>\n

J<\/strong><\/span>ust remember: Any man who has $10,000 left when he dies is a failure. — Errol Flynn<\/p>\n

K<\/strong><\/span>eep an emergency fund of at least three month’s living expenses. — common financial wisdom<\/p>\n

L<\/strong><\/span>end your money and lose your friend<\/a>.– English proverb<\/p>\n

M<\/strong><\/span>oney never made a man happy yet, nor will it. — Benjamin Franklin<\/p>\n

N<\/strong><\/span>ever spend your money before you have it. — Thomas Jefferson<\/p>\n

O<\/strong><\/span>ctober: This is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February. — Mark Twain<\/p>\n

P<\/strong><\/span>lenty of people despise money, but few know how to give it away. — Francois Duc de la Rochefoucauld<\/p>\n

Q<\/strong><\/span>uit using credit cards for making any purchases unless you intend to pay off the balance in full at the end of every month. — common financial wisdom<\/p>\n

R<\/strong><\/span>ich people plan for four generations. Poor people plan for Saturday night. — Gloria Steinem<\/p>\n

S<\/strong><\/span>olvency is entirely a matter of temperament<\/a> and not of income. — Logan Pearsall Smith<\/p>\n

T<\/strong><\/span>he art of living easily as to money is to pitch your scale of living one degree below your means. — Sir Henry Taylor<\/p>\n

U<\/strong><\/span>nderstand that there is no dignity quite so impressive, and no independence quite so important, as living within your means. — Calvin Coolidge<\/p>\n

V<\/strong><\/span>olatility in your retirement portfolio can be minimized via diversification, including precious metals<\/a>. — common financial wisdom<\/p>\n

W<\/strong><\/span>ants may be easily satisfied either by producing much or desiring little. — Marshall Sahlins<\/p>\n

X<\/strong><\/span>erox stock price on April 17 of selected years (adjusted to account for any splits and\/or dividends)<\/span>: 1970 – $14.15; 1999 – $55.13; 2009 – $5.92. The moral of this story is that even buy-and-hold investors need to know when it’s time to sell. — Len Penzo<\/p>\n

Y<\/strong><\/span>ou’ll be much better off financially if you strive to be anonymously rich<\/a> rather than deceptively poor. — Len Penzo<\/p>\n

Z<\/strong><\/span>illow should never be considered an accurate gauge of your home’s value. — Len Penzo<\/p>\n

So there you have it: My Cliff’s Notes version of Personal Finance for Dummies. By the way, did you notice the predominant theme among the majority of those quotes? Here’s a hint: It’s the first commandment of my Ten Commandments of Personal Finance<\/a>.<\/p>\n

In the meantime, keep studying these notes — I guarantee they’re your quickest path to success in Personal Finance 101<\/a>.<\/p>\n

Now go get your ‘A’.<\/p>\n

____<\/p>\n

* From what I learned after reading Cliffs Notes<\/p>\n

Photo Credit: Cliffsnotes.com<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

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