BETTER EIGHT HUNDRED IN CASH THAN A THOUSAND ON CREDIT!

Credit cards teach you to be a debtor. The credit card companies will tell you that credit cards will teach YOU how to manage your money. The truth is THEY are managing your money! When you are using a credit card whose money are you using? It’s their money, that’s why they can charge interest!

What you are learning to do is manage debt. Totally different don’t you agree!

“A debt is a debt, whether it’s margins or mortgages and debts are all the same, no matter how you try to camouflage it. You never get much out of it except trouble. On the farm or on Wall Street, if you use other people’s money, it costs you more than it’s worth.” Sue Sanders, U.S. oil producer.

Common definition of dead beat: One who persistently fails to pay personal debts or expenses

Commonsense definition: This isn’t someone who robs Peter to pay Paul. This person can’t even rob Peter!

When you live on cash, you understand the limits of the world around which you navigate each day. Credit leads into a desert with no visible boundaries.

Navigate with care

Jacques
CreatingWealthThatLasts

CASH IS BETTER THAN CREDIT!

Nothing seems expensive on credit. If you have cash on hand and you have been saving for a long time-you will be slow to part from it, believe me! Do you have credit card craziness?

Few people realize that by using credit cards only they will be spending much more than if they were using cash. When you are using a credit card it often seems that you are not spending money. When the credit card bill comes in then reality sets in.
People from Beverly Hills to Boca Raton are deep in debt due to the misuse of credit cards.
Let’s look at some facts:

1. Over half the families that earn less than $10,000/yr have over $1,000 in credit card debt.
2. About 40 % of people twelve to nineteen have access to a credit card; 36% of high school seniors have an ATM or debit card of their own.
3. Over the past ten years there has been a 50% increase in the number of people under 25 filing for bankruptcy. Most due to out of control credit card debt.

Do you see why they want to give credit cards to high school students? They get them hooked and most are hooked for life. It’s a national tragedy and no one seems to care. They seem to think they are victims and some may very well be.

Money is a poor man’s credit card. Stay with cash and stay away from credit cards.

Jacques
CreatingWealthThatLasts

ARE YOU SERIOUS ABOUT SAVING MONEY?

Most people will tell you they are in debt and can’t save anything. How true is this? Look at your own situation. Where are you financially?

If you have any amount of credit card debt, get rid of it. How you may say can I do this? I can only make the minimum payments as it is. Get rid of your cell phone, get rid of your cable, stop going to the movies, etc.

Does this sound drastic to you? If it does you are not really serious about getting out of debt. Do you know that years ago people would be put in a debtor’s prison if they could not pay their debt. What if this was still true today, do you think people would think twice before incurring needless debt?

You don’t ask a broke person or someone who is debt on how to handle finances. People might look like they have it all together: nice house, nice cars, clothes, vacations, boats, you name it. Chances are they are in debt up their eyeballs.

How many pairs of jeans, shoes, shirts, coats, etc do you really need? If you are like me you probably have clothes that you have not worn in months.

One way to save money is not to spend the money you do have. Pretty profound huh! Learn from my mistakes, I was in debt on three different occasions in my lifetime and the last time I got out of debt I made a promise to myself and my family that we would live debt free from this point on.

You sleep better at night and have a clear conscious. Try it, I’m sure you’ll feel the same way.

Jacques
CreatingWealthThatLasts

IS THERE REALLY A RECESSION?

Supposedly we are in a recession. Is this right? Have you gone by a restaurant lately and the parking lot is empty. I haven’t. McDonald’s is experiencing almost 8% growth since the beginning of the year. Granted it’s not an upscale restaurant but people are still eating out. If they really thought about it, eating out is not really necessary if you are having difficulty meeting your bills.

I have been a businessman for over 30 years and I can honestly say that people will buy what they want regardless of whether they can afford it or not!

The media will tell you that we have high unemployment at this time. Perhaps this is true but I don’t really see people making an effort to conserve their cash or hold back on major expenses.

Ever try to go to a Lowe’s or Home Depot on a Saturday or Sunday? You’d think that everyone was building a house based on what people are buying.

Have you seen the figures on what people are spending on going to the movies on weekends? Multi-millions every weekend! Is this a way of escape or fighting depression-buying and spending.

There are groups of people today who have been prudent and have cash on hand to buy stuff at pennies to the dollar. They were not spending needlessly before and they certainly are not doing so now. They are buying assets at distressed prices.

Which group are you in?

Jacques
CreatingWealthThatLasts

BEING THANKFUL FOR OUR MEN AND WOMEN IN THE ARMED SERVICES!

Memorial Day started shortly after the civil war when a young woman put flowers on the grave of one of her friends who had died in the war to honor his memory and sacrifice. Another woman joined her in his activity and over the years is became a national holiday honoring all the service men and women who have sacrificed for our freedoms.

Freedom comes at a price and the price is blood. The shed blood of our fathers, brothers and sisters, sons, and daughters. It is a tremendous price to pay and hundreds of thousands have died to provide us the freedom we enjoy today. Most of these would have been teenagers not yet met and women who would never enjoy what their sacrifice bought.

The freedom to be free, live life to the full, worship as we please, raise families, and enjoy all that God has provided. There are billions of people today who do not enjoy these freedoms. As much as the world seems to hate the United States, we have been a selfless people and have sacrificed with blood what freedoms we have and have offered the same to the entire world.

God will not forget this sacrifice! Take time to remember our fallen soldiers and do not take for granted the freedom you enjoy in this great country of ours.

Jacques
CreatingWealthThatLasts

IF YOU WANT TO CREAT WEALTH, YOU NEED TO SWEAT THE SMALL STUFF!

If you could save $1 a day would this make a difference? If from birth to age 65 you invested a dollar a day ( $365) in a tax free account you would have over a million dollars at retirement.

If it’s too late for you, think what you could do for your children or grandchildren. By the way, it’s not too late for you.

Look around your home at items that you purchased for under $50. Hey, it’s just $9.99 or $19.99 right. How many of these items did you really need?

When your co-worker says let’s do lunch-you say no! Right? But you say, there is a special at only $5.99 for the entire meal and it includes dessert!

Cut out the long distance service on your phone and use a calling card. You’ll be surprised that you don’t need to talk to your friend across the country for hours at a time.

Do you know you can save $115 a year and 54,000 calories by not putting cream cheese on your bagel? You’ll look a lot better to!

When you do go to dinner at a restaurant don’t take an appetizer, dessert, and drinks. Don’t burn money, if you smoke, quit! If you drink, stop! This will save you a small fortune over a lifetime.

Don’t use ATM machines. They charge you to take your own money out. Not smart.
Are you starting to get the picture? Start sweating the small stuff!

Jacques
CreatingWealthThatLasts

GETTING CONTROL OF YOUR FINANCES!

Have you ever wondered where all your money went by the end of the week? You are not alone. This can be a HUGE problem if you don’t get a handle on it.
Here are a few guidelines:

1. Remove yourself from temptation: Don’t go shopping at the mall as an activity when you have nothing to do. The malls don’t have anything that your really need at this moment. People are lured by sales to buy stuff they don’t need because they think the price is right.

2. Keep a spending journal: Jot down everything thing that you buy. I mean everything including the pack of gum.

3. Leave your credit cards at home: You really can leave home without them

4. Ask why before you buy: Do I really need this? Can it wait? Why am I buying this? Your answer will probably be that you don’t need it.

5. Give yourself a time out: If you are really tempted to buy something-sleep on it. I’m sure that if you do this, you will not go back to buy it the next day.

6. Clean house: You’ll be surprised at the stuff you bought that you don’t need or haven’t used in a year.

7. Learn to say no to your spouse, kids, etc: Nobody really needs the new doodad that everyone has.

Nothing complicated in the above. Just be prudent every time you go out. Buying for the sake of buying will keep you poor and in debt.

Jacques
CreatingWealthThatLasts

RESOURCES FOR WOMEN ENTREPRENEURS!

Business today is not only a man’s world. More women are starting businesses than men are: 2-1. Here is help for the women who want to control their own destinies:

1. Association of Women’s Business Centers: www.womenbusi-nesscenters.org. They represent women business owners and provide training, education, mentoring, and financing.
2. Black Women Enterprises: They provide education, networking, and technical resources for its members.
3. eWomenNetwork.com: Online directory of female business owners. 10,000 members with chapters in Canada and the U.S.
4. MANA, A National Latina Organization: www.hermana.org. Promotes Latin business women.
5. National Association of Women Business Owners: www.nawbo.org: 8,000 members. Networking opportunities
6. National Women Business Owners Corporation: www.nwboc.org: Runs a national certification program for women-owned and controlled businesses.

This is not a complete list but provides a base where information and support can be obtained. For most women, the thought of being your own boss might seem out of the question. Why should it? In a lot of the different jobs that I had I reported to women managers and found that they had insights that men do not readily have.

Go for it Girl!

Jacques
CreatingWealthThatLasts

HELP FOR YOUR NEW BUSINESS!

Do you think the government will help little old you? They are giving billions to big companies but what does the government have to offer to ordinary people?

Try the Small Business Administration. www.sba.gov This site can offer you invaluable information:
1. Start up basics: A solid tutoring program covering all the basic stuff everyone needs to know.
2. Planning: An entire section on all aspects of starting a business.
3. Marketing: Examples on how to develop low cost or no cost marketing plans for your new business.
4. Financing: Information on how much it will take, how much you might need, and how to apply for a government loan.
5. Workshops: A complete list of workshops and expo’s offered by the SBA all over the country.

The SBA has a special department geared towards woman entrepreneurs, as well.
Other options from the SBA:
1. Loan guarantee programs.
2. Microloan programs.
3. SCORE program: You have access to retired business people who provide free consulting for your business: www.score.org

No more excuses. All the help you need is readily available.

Jacques CreatingWealthThatLasts

MYTHS ABOUT BEING IN BUSINESS FOR YOUSELF! PART II

Myth # 4: NINE OUT OF TEN NEW BUSINESSES FAIL!
• Do 90% of businesses actually fail? According to the Small Business Administration, two thirds of new businesses survive at least two years and about half survive at least four.
• These statistics don’t take into account those people that just quite without giving themselves a chance.
• It also does not take into account those people who actually quite because they find out starting and building a business is HARD work.

Myth # 5: YOU NEED A LOT OF STUFF TO GET STARTED!
• You need a business plan, business card, stationary, office space, etc. No, No, No!
• You can work out of your home on your kitchen table. All you would really need is a computer, printer, and phone.
• Having an office outside of your home is not necessary unless you are planning to have a typical brick and mortar business. Be really careful about these types of businesses.

Myth # 6: YOU HAVE TO BE PASSIONATE ABOUT THE BUSINESS YOU CHOOSE!
• It is true that if you really like what you do, it will be easier to some extent, however, do you really need to be passionate about something in order for you to make money?
• How many people working in the real world do you think are really passionate about their work? Statistics tell us that 80-90% of people working HATE their jobs.
• What people are passionate about is being their own BOSS and having more control of their future!

Take the plunge! Be your own Boss!

Jacques
CreatingWealthThatLasts

MYTHS ABOUT BEING IN BUSINESS FOR YOUSELF! PART 1

We need facts and not myths when thinking about starting our own business. Too many people are scared off buy these myths. Over the next few days, I will be discussing these. Let’s get started!

Myth # 1: YOU NEED A LOT OF MONEY TO START!
• According to a recent article in INC. magazine, the average start up cost of most of the new successful companies recently started was $25,000. Many where under $5,000. A business started by a woman for $3,000 was eventually sold for 1 BILLION!.

Myth # 2: YOU NEED TO HAVE EXPERIENCE!
• This is true to some extent. If you have no prior experience in a particular field, you will need some type of guideposts along the way. However, with the birth of network marketing companies and numerous companies offering training on the Internet, it is possible to obtain mentorship and loads of information geared to starting any type of business that you choose.
• You only need the willingness to learn and the ability to be a good student.
• The government is also a good source of free training through the Small Business Administration.
• There are also numerous volunteer organizations staffed by veteran entrepreneurs whose experience you can tap.

Myth # 3: YOU NEED A LOT OF TIME!
• People will tell you you’re too busy! Who isn’t busy these days?
• The truth is you can get started part time at 2-3 hours per day initially. If you commit 2 hours per day that’s 60 hours per month-720 hrs per year. That’s equal to 30 full days per year.
• Where do you find the two hours per day? STOP WATCHING TV!

More to come!

Jacques
CreatingWealthThatLasts

HOW MUCH ARE YOU WORTH?

Let’s take a look at the world of employees. Employees seem to break down in three basic categories:
1. 20% fall in the bottom group.
2. 60% fall in the middle group.
3. 20% fall in the top group.

Who do you think is worth more to an employer? Jack Welch, the legendary CEO of General Electric, used to let go the bottom 20% of his managers each year. Take about pressure to produce!

Let’s examine the three levels of employees:
1. Bottom 20%:
a) Barely get to work on time.
b) They are clueless and are focused on getting a check at the end of the week. End of discussion.

2. Middle 20%:
a) Basically good people.
b) Hard working.
c) Focused on their job only. Not focused on the business as a whole.
d) Usually not happy or satisfied at what they do.

3. Top 20%:
a) They GET it!
b) They have goals, are motivated, want to advance and increase their income.
c) They have direction in life, are usually more positive and upbeat.
d) The try to look good, speak well, and are usually concerned about their co-workers.
e) They tend to run things; they fire the bottom 20%, hire and give raises to the middle 60%, and they lead the top 20%.
f) They also earn significantly more than the other two groups.

Where do you fit in? If you’re not at the top, you now know what to do.

Do it!
Jacques
CreatingWealthThatLasts

LIVING ONE DAY AT A TIME!

Do you have any regrets about the past? Are you anxious about the future? Most of us have made a lot of mistakes and we need to let them go. This is a part of life that is gone and that lives only in our memories. That past can paralyze your future if you don’t forgive yourself and move on.

The past is dead and you cannot change it no matter how many times you go over the sordid details.

The future is uncertain with a myriad of circumstances completely beyond our control. We can worry, fret, lose sleep, get ulcers, etc. But whatever we do, we cannot control or change all of the elements that we have no control over.

We can have an immediate impact on the present: second by second, minute by minute, hour by hour, day by day. Today is all we really have. We can be happy anytime we decide to! We can enjoy today! We are alive today!

If we learn to concentrate on today, everyday, we need not let yesterday’s failures cloud our day or let tomorrows uncertainties steal our joy!

Living in the present is the only way to live and enjoy everyday life. Tomorrow will take care of itself when we get there.

Live for today, everyday!

Jacques
CreatingWealthThatLasts

GETTING PROMOTED IN A BAD ECONOMY!

You really can get a promotion in a bad economy. The economy may be going through challenges at this time but the fact is that employers still find it difficult to find good employees.

Let’s look at some reasons why employers often hate their employees:
1. They don’t do their jobs.
2. They don’t do what they say they will do.
3. They come to work late.
4. They leave early.
5. They come to work with personal problems and everyone knows about it.
6. They have no initiative and what to be told what to do.
7. They punch the clock or watch it a long time before punching out.
8. They are content with mediocrity.
9. They complain.
10. They gossip.
11. They never say thank you.
12. They have bad attitudes.
13. They smoke and take smoke breaks.
14. They surf the Net, check personal emails, and spend time instant messaging their friends.
15. They lie.
16. They steal.
17. They do good work, not great work.

So how do you get promoted? DON’T DO THE ABOVE!

Jacques
CreatingWealthThatLasts

WHAT DO YOU DO WITH YOUR HARD EARNED MONEY?

Are you sick of the stock market and all the shenanigans associated with it? Who do you believe? I subscribe to different business magazines and it’s amazing what conflicting advice you can get.

If you are looking for research tools the following may be helpful (I said maybe!):
1. www.morningstar.com
2. www.valueline.com
3. http://finance.yahoo.com
4. www.mefea.com
5. www.aol.com-personal finance section.

The problem today is who can you really believe. All the so called experts have been dead wrong.

My advice for what it’s worth:
1. Cash at home.
2. Short term CD’s
3. Being more liquid is better.
4. Paying cash for discounted homes. Hey, the real estate market will go up sometime!

Save, save, and save some more. Forget all the financial pundits. Use your common sense. It’s not as common as you may think!

Jacques
CreatingWealthThatLasts

DO YOU HAVE EVERYTHING UNDER CONTROL?

If you do, let me know your secret. Is it really necessary to have everything under control? Life has a way of throwing you curve balls.

If you are a control freak, you will wear yourself down and everyone who is close to you. In today’s world we have our home life, work life, life with our spouse, life with our kids, sports and homework with our kids, home chores, hobbies, church work, housework, bills to pay, taking care of ailing parents: Are you tired yet?

We have only a few things that we can control: our attitude is a good one. We can’t control others and the only thing we can do is offer advice, if it’s asked for.

I find it’s a full time job just taking care of my attitude! How about you? Controlling your attitude is a minute to minute endeavor and it will determine to a great extent how you live your life and how successful you will be.

Across the street from one of my homes, is a residence for handicapped people. Watching these people on a day to day basis make me count my blessings. For some of these people, there is absolutely nothing that they can control.

Let go of those things you can’t control. You will be less stressed believe me.

Jacques
CreatingWealthThatLasts

BUYING A HOME VERSUS RENTING!

Everyone tells you that you should own your own home, as it’s an investment. An investment is something that produces income. A home is NOT an investment no matter how you look at it. A home costs you money and it’s negative cash flow.

If your home is not paid off you are paying a mortgage. But, and here is the big BUT: you have the following:
1. Taxes.
2. Insurance.
3. Utilities.
4. Heating.
5. Maintenance

The experts will tell you the following:
1. You can’t afford not to buy.
2. Buying can be cheaper than renting.
3. Homes make a great investment.
4. The government wants you to become a homeowner.
5. You don’t need a huge down payment.
6. You don’t need perfect credit.
7. It’s never too late.

My advice:
1. It can make sense to own your own home if you can afford IT! A lot of the bankruptcies today are caused by people who bought too much house.
2. You can afford not to buy.
3. In some sections of the country it’s cheaper to rent than to buy a home.
4. Your home is not an investment.
5. Without a good down payment, you are increasing the costs of your home ownership. Paying more interest.
6. You don’t need perfect credit but they charge you for it. Higher interest rate.
7. Even though the market prices for homes are lower, can you really afford the long term debt?

Before you buy a home, consider all the associated costs. You will be glad you did.

Jacques
CreatingWealthThatLasts

CAN’T KEEP A BUDGET!

If you can’t keep a budget you have company-the GOVERNMENT! That’s why they take money automatically from your paycheck every week. If you are self employed, you need to send in quarterly payments.

Unfortunately, we can’t print money like the government when our budgets don’t work out. The major key to this is automatic payments to yourself.

As in automatically taking out money for savings, you need to automatically take out money for your daily, weekly, and monthly obligations. When your check comes in every week or every two weeks don’t start spending it without a plan.

Your plan does not have to be very fancy just detailed and accurate. If you have taken the time to total your monthly bills, you know exactly what is owed and you know how much money you need to cover these.

Priorities include mortgage, rent, car payments, and utilities. You need a place to live and a vehicle to take you to work or your place of business. Pay these FIRST!

Don’t spend on nonessentials until your bills are covered. Most people take their check, go out to eat, to a movie, buy something on impulse and will easily go through $100 without thinking. They also will not know where the money went or why they can’t pay the bills.

Jot down every penny you spend on a daily basis. Believe me this will be an eye opener.

A major key to staying out of debt is to watch where your money goes and to pay your monetary obligations on time-every time.

Jacques
CreatingWealthThatLasts

PAY YOURSELF BEFORE YOU PAY THE GOVERNMENT!

How is this done you may ask? Pretax retirement accounts: IRA’s, 401k’s, 403 B plans and SEP IRA’s!

For working people this is an absolute must. This is TAX DEDUCTIBLE for you. Only 15% of working Americans are taking advantage of this. The government takes about 27 cents out of every dollar in federal income withholding taxes.

On top of that local governments can also do the same. Open a pre-tax account and start putting a portion of you income in it. There are certain limits as to the total amount you can put aside on a yearly basis and this changes year to year.

As an example, let’s say you put $100,000 in an investment that generates 10% a year. At the end of 30 years you would have-$661,000. However, if you had this in a tax deferred account the amount would be-$1.7 million!

A good way to start is to save an hour a day of your income. Say you make $50,000/yr, that’s about $25/hr. That would equal $6,250/yr.

To do:
1. Put a portion of your salary into a pretax retirement account.
2. This should be at least an hour a day of your income.
3. Start now!

Jacques
CreatingWealthThatLasts

GETTING OUT OF DEBT AND SAVING !

As I have said previously, it’s important to get out of debt. It’s also important to be saving and both can be done at the same time. Financially speaking, putting off saving in order to pay off your debts can be a huge mistake.

You should tackle credit card debt first, as this usually carries the highest interest rates. It’s important to be saving from a psychological standpoint. If you have no savings whatsoever, you will feel broke and out of control.

Most people want to own their own home. This is a good goal but is it really necessary. If you have credit card debt and owe money on auto loans and possibly college loans, don’t add another debt burden by buying a house.

Everyone will tell you it’s a good time to buy a house with the depressed market and low interest rates. What most people fail to do is to factor in the overhead and upkeep costs which will include the following: taxes, utilities, insurance, etc.

A lot of people buy more house than they can afford and the upkeep is the kicker that sends them over the edge financially. Focus on one step at a time. Getting out of debt is a journey; a journey of discipline, delayed gratification, and perseverance.

If this describes you, instead of buying a house, start saving. Start with 2-5% and increase that to at least 10%. Keep at it. Your savings will add up to the point down the road where you can pay cash for a car and have a hefty down payment for a home.

Patience my friend, patience!

Jacques
CreatingWealthThatLasts

IF YOU’RE IN A HOLE, STOP DIGGING!

I
Pay cash for all your purchases. Think it can’t be done? I used to. I thought I would never be able to survive without credit cards. We all can!

Believe me if you save the money before you make a purchase and you have the cash in your hand, you will think long and hard before parting with it. Buying with a credit card is too easy. It does not seem like you are spending money. Reality sinks in when the credit card bill comes in.

If you’re in debt and you keep charging away you are digging a hole that will soon be overwhelming. Stop! Stop! Stop!

Dealing with debt doesn’t mean putting the rest of your life on hold. It means taking charge of your life! The real villain is the interest that you are paying.

Decide to stop using credit cards for things you can’t afford to pay in full at the end of the month. Never miss a credit card payment either. That’s called financial suicide.

See yourself debt free. Start with the simple things. Don’t get discouraged and don’t stop!

Jacques
CreatingWealthThatLasts

GETTING RID OF ALL CREDIT CARD DEBT!

Years ago the only credit cards you could get where Diners Club and American Express. You had to have excellent credit and you where required to pay your balance in full at the end of the month. They made their money by charging yearly fees.

What happened? Banks got in the business and realized that they could make money by letting people make minimal monthly payments and charge ridiculous interest rates.
Remember banks don’t want you to pay off your cards at the end of the month. If they can convince you to pay the bare minimum-they are in your wallet, month in and month out!

Do you know that if you put $10,000 on a credit card charging 19.98% a year and you paid the minimum payment it would take you 37 years to pay it off and you would pay almost $19,000 in interest charges.

Another way they make money is to charge late fees. They can charge you up to a $39 late fee and increase your interest rate up to 29%. Sounds like something the Mafia would do!

Normally you had 30 days to pay your bill, now it’s down to 21 days from the day it’s mailed out to you. Too bad if your away from home for an extended period of time.

Carrying any credit card debt is a VERY bad idea. Focus on getting rid of this monster!

Jacques
CreatingWealthThatLasts

GETTING AHEAD IN A TROUBLED WORLD!

Have you wondered how some people seem to get buy on very little? The world’s economy is lagging because people are not buying. People are starting to save more and the media paints this as a bad thing.

We could all get into more debt and the economy would start up and the news pundits would all be happy. What’s wrong with this picture? It is not cool today to be a saver and have money ahead of you instead of being in debt up to your eyeballs. This is what got the world into the mess we are all in today.

My advice-don’t spend money needlessly. There are a lot of things that would be nice to have but do we really need it? Do you need a CD player that will hold 10 CD’s! Do you need a cell phone that can take pictures, videos, play movies and record songs?

Spending small amounts of money everyday can lead to large amounts of money on a monthly basis. $5 lattes! $4 bagels. $4 ice creams. The list goes on.

If you are serious about getting control of your finances-the small things make a big difference. What you are saving on a daily basis can be applied to your existing debt. Focus on getting rid of any debt at all costs.

Bring a lunch to work! What will my co-workers think? Does it really matter what they think. Are they paying your bills.

I taught school for ten years and you could buy your lunch at the school cafeteria. Most of the teachers did so, including me. We had a teacher friend that taught school for close to 40 years and he brought a sandwich and apple to eat every noon. Who was the wiser one financially?

It’s the small things-stupid!

Jacques
CreatingWealthThatLasts