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Bob Lotich, CEPF®

How To Create A Will In Less Than 10 Minutes And For FREE!

written by Bob Lotich, CEPF® | Managing Money

Do you know what happens if you die without a will in place? According to Forbes: "If you die intestate–meaning without a proper will or living trust–your assets will be divvied up according to the law in the state where you live... Some states have stuck to the traditional approach of giving a one-third share to the spouse, with the children dividing the rest. Others give spouses one-half. Mississippi gives an equal share to the surviving spouse and each child; if there are nine children, the spouse gets a measly one-tenth of the estate... Even if you have no kids, your spouse may not get everything; in some states, the deceased spouse’s parents, siblings, nieces or nephews and even more distant relatives receive a cut."

Well, if you didn’t know (and I am sure you didn’t), this month is National “Make-A-Will” month. And while I tend to think manufactured holidays and “months” like this are silly, in this case I think it is a good reminder for those who haven’t taken this critical and simple step. So today I am […]

What To Do When You Hate Your Job (4 Keys To A Brighter Future)

written by Bob Lotich, CEPF® | Career & Work, Simplify

These are 4 important things to do when you hate your job…

How to get textbooks for free

written by Bob Lotich, CEPF® | Making Money, Saving Money

A simple method you can use to get your college textbooks for free!

This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.

6 Things You Can Buy That Will Pay for Themselves in a Year

written by Bob Lotich, CEPF® | Saving Money

6 things you can buy that will pay for themselves in a year

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!

How to overcome the fear of failure

written by Bob Lotich, CEPF® | Simplify

How to overcome the fear of failure

No one likes to fail, but often it is a critical component to our success. These are a few of the things I did to overcome my fear of failure

11 Steps To Starting A Small Business Online

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

11 Steps to take to start a small business online

These were the steps I took to start my online business and they will vary depending on the type of business you are wanting to start. Hopefully they will give you some ideas of some things you need to keep in mind as you progress!

Free Spreadsheet To Get Your Financial Life On One Page

written by Bob Lotich, CEPF® | Managing Money, Productivity, Simplify

Getting Control of your money by using a F.L.O.P., getting your Financial Life on One Page!

Being impacted by my uncle’s premature death and wanting to do everything I can do to help my wife, I decided to create a system for keeping things organized. It has been a work in progress over the last few years, but has evolved into a very helpful tool…

9 Reasons Paying Off Debt was one of the Best Decisions I Ever Made

written by Bob Lotich, CEPF® | Debt Help

9 Reasons Paying Off Debt was one of the best decisions I ever made

It has now been a few years since my wife and I paid off all of our non-mortgage debt, but the benefits still remain. It is absolutely one of the best decisions I ever made and I can’t help but wish that everyone I know could experience some of the joys of having all of […]

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