STRIVE to live relatively debt-free. Sharply define what is a need and what is a want. For most things, frugal gurus tell us to buy only when we have the cash for it. Don’t mortgage your future for a mere whim, particularly that which strokes your ego. Debt can have you in a stranglehold. Many have found this out a tad too late.

During these unusual almost post-pandemic days in some parts of the world, money is as tight as the shapewear ads we see on those voluptuous women trying to smooth out those wobbly bits of blubber. And because we are all predisposed to make money quick, (yup, that’s the greed motivation written in our DNA), there will be creative cons and persuasive scams proliferating among all classes of society preying on the masses.

Steer clear of scams from high places, slick talkers or even regular looking, doe-eyed Joes with a business card listing non-existent companies they purportedly own.

TRUST BUT VERIFY ALWAYS before letting go of your hard-earned savings on investments that guarantee results in the future. Be your own personal financial guru if you can. Read up. Ask around. Process the information and decide. Err on the side of caution.

The financial industry makes more than $400 billion on fat intermediation fees, charges or loads or what people like me, simply call being the middleman. Guess where that money is coming from? It’s all perfectly legal and protected by fine print disclosures.

Yup, it comes from you and me and millions of…

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