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Monthly Archives: March 2018

The Story About Bob

Does This Story About Bob Sound Familiar To You, Or Anyone You Might Know?

Bob is a 54 years old and 35 lb. overweight.

He has 3 children from his first wife and has helped raise 2 more with his 2nd wife’s kids.
Out of them all, 1 has a career, 1 just enlisted the military, 1 just went to college, and the other 2 are floundering. They just got out of High School, are unmotivated and floundering. He hopes they get jobs soon because he is tired of feeding them.

Bob’s wife Sally is about 40lb. overweight as well, and recently she got diabetes.
She works part time in the local Subway slinging mayonnaise on sandwiches for a little extra money.

She had a good job with a local attorney until she got diabetes. When she was out for medical issues, her boss hired a young blond to fill in. The scumbag laid her off and is now getting divorced.

Bob and the wife had once dreamt of retiring to Florida, but they are coming to the cold hard realization that their retirement dreams are slipping away.

He used to think he could quit at 65 or 67, but as it now stands, he has serious doubts. It’s beginning to look like he is going to have to work for the rest of his life.

http://www.mybudget360.com/new-american-retirement-plan-retirement-savings-predict-retirement-age-life-expectancy/

  • The divorce from his first wife 10 years ago set him back
  • Raising step kids with a 1/2 deadbeat dad slowed the retirement saving.
  • The dot com bubble obliterated his 401k and it never came back.
  • The Real Estate correction wiped-out the equity in the house, not that is was that much, but it was something.
  • Property taxes and insurance go up every year and its hard enough keeping them current!
  • Credit card debit is manageable, but high. However, the credit ratios are high so his scores are low and he is paying high interest charges on everything.
  • The house needs work and he can’t sell it for much more than he owes unless he fixes it up. However, he lacks the cash to do anything so he is stuck in a bit of a “Catch 22” situation.

As for the job, The overtime he used to get vanished with the economic collapse and Pay raises and Christmas bonuses went out the window too.

Heck – he’s just happy to have a job because most of the competition went out of business, or moved to China and half of his friends lost their jobs.

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March 16, 2018

How To Improve A Business in An Afternoon

How To improve a Business in an Afternoon

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