By Stephanie Moulton Sarkis, Karl Klein
When you've attention-deficit affliction (ADD), you don't spend cash like such a lot other folks. Past-due accounts and impulsive spending can throw your funds into turmoil, and since those monetary pitfalls are at once relating to your upload signs, they could appear most unlikely to overcome.
The excellent news is that it's attainable to get ADD-related monetary disorganization less than keep watch over and start to get pleasure from a extra strong dating for your funds. upload and Your funds will express you the way. This pleasant consultant, written together with your upload in brain, contains info on every little thing you want to find out about coping with your funds and staying on top of things.
Read or Download ADD and Your Money: A Guide to Personal Finance for Adults with Attention-Deficit Disorder PDF
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Extra info for ADD and Your Money: A Guide to Personal Finance for Adults with Attention-Deficit Disorder
There are eight major factors or variables that have to be looked at, and their mix played with and adjusted until there is an answer suited to our future life and lifestyle. These eight variables need to be 49 20 good Summers 16/11/05 12:20 PM Page 50 TWENTY GOOD SUMMERS considered in turn, and decisions made regarding most of them to allow you to create a plan that will let you build a new, more relaxed and more peaceful life with financial comfort. The eight main factors you need to take account of in developing a plan to reduce your dependency on paid work and to have more time, are: • • • • • • • • The amount of capital you have; The lifestyle you want; The house you want; Whether you want to leave an inheritance to your children; The extent to which you will continue paid work, and for how long; Any other income you have; Your age (and therefore how long you expect to live); and Your investment returns.
In my experience, the buyer for your business is likely to be someone who already has some sort of connection to it—a customer, supplier, competitor or staff member. Certainly, you can sell it to some unknown member of the public, but this is often more difficult as you have to start from scratch. Putting in managers The returns from your business are likely to be so great that it is tempting to keep owning it, hiring someone else to manage 29 20 good Summers 16/11/05 12:20 PM Page 30 TWENTY GOOD SUMMERS it.
Patrick and Mary owned a very successful business. They were in their late forties and had owned and developed it for over twenty years. Their business was highly profitable and very valuable—a competitor had been trying to buy it from them for years. Patrick and Mary’s problem was that they hated the business. They had never much liked running it and after twenty-odd years of long hours they were fed up. I calculated that Patrick and Mary would need around $2 million in capital to give them the passive income they needed to live the life they wanted.