We are a small group of people who have learned the hard way that money doesn't quite work the way we were taught by our parents.  We have also noticed that the public school system doesn't teach this subject either.  We believe that is because the people in the school systems don't fully understand it.

Unfortunately, we have also had dealings with some business people who were not fully honest with us.  These business people led us to believe we were going to make great money, when in fact, they were the ones making all the money.

Our group has a collective of about 50 years of real estate investing experience.  About 43 years of stock market investing.  About 14 years of small business experience.  And 2 in our group have survived layoff without needing to file bankruptcy because they had already put some of our knowledge into practice.

Through our combined lives, we have learned how to identify those good and bad investments, along with the good and bad loans.  We have learned that a mortgage amortization schedule can tell you more than where you are in the loan.  It can show you how to save, and how much you can save, on that mortgage. 

We have learned that inflation is a major factor in our saving for the future.  We have also learned how inflation can eat up all of your interest on your savings.

As we see other people around us making the same mistakes we made; we have a strong desire to help them before it's too late.  This has grown into a desire to help more and more people to understand their finances.

Today there are banks with 40 year mortgages, 7 year car loans, long term car rental (called leasing), and 29% credit cards.  We feel that you, the public, need to know what we know, so you can avoid giving your hard earned paycheck to the greedy financial institutions in our society today.