August 15, 2017

Things about Australia I Never Knew

I have always been fascinated by Australia. When I was 12 my neighbors grandchildren from Australia visited her for the summer. Not only was he adorable but his accent had me falling in love! 

I have wanted to travel there since but I became a US Homebody and never got the opportunity to go. Recently I have done some research and investigating on the vacation of my dreams and that makes me want to visit Australia even more now than I wanted when I was a kid. 

Here are some of the things I have discovered:

 If you visited one new beach in Australia every day, it could take you up to 27 years to see and visit them all. I could think of worse ways to spend 27 years!
There are 60 designated wine regions in Australia. Your bound to find a wine you love with those type odds!

Australia has 3.3x more sheep, baaa, than people. WOW! All I'm going to say!

There have been no deaths in Australia from an icky spider bite since 1979. Which is good since I hate spiders! Australia does however have sharks, snakes and massive salt water crocodiles. And those have been known to have an impact on life expectancy in some instances. 
The world's largest sand island can be found in Australia - Fraser Island!

Australia has the world’s longest golf course measuring more than 850 miles long. I'm not a golf fan but if you want a vacation with your man and he loves golf, he can golf while you hit up one of those many gorgeous beaches!

The Great Barrier Reef is the planet’s largest living structure

Australia is the 6th largest country by size, a massive 2.9 million square miles. And even though its size is massive the population is only 22.6 million.

The Australian coat of arms features 2 endemic animals; an emu and a kangaroo. Both of which can only move forward, which is widely considered a symbol of progress and represents the notion that the country is never going backwards.

Australia has 516 national parks.

Most people are Protestant or Roman Catholic.

Kargoorlie, a remote town in the state of Western Australia is currently the worlds largest producer of gold.

Now you know more about the beautiful island! 

Here is an interview with someone from Australia! He has served as Australia’s senior government official to the G20 economic summits and has represented the prime minister at the United Nations Framework Convention on Climate Change. His name is Andrew Charlton. Read the interview HERE.

You can read another wonderful article on Andrew Charlton HERE. This article was posted on Quarterly Essay, Australia's leading journal on politics, culture and debate.

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August 6, 2017

Free Sample of SASMAR Personal Lubricant

Free Sample of SASMAR Personal Lubricant 
Chicago, 2 August 2017: Personal lubricant brand SASMAR, announced today that it has launched a global lube sample campaign allowing consumers to try one of their long lasting formulations that will be mailed to them free of charge and no purchase is required.

SASMAR aims to enhance the quality of consumers lives with its personal lubricants that are designed to replenish moisture, feel silky and soft on the skin and actually help to increase the pleasure of lovemaking for both partners. The free sample campaign is designed to encourage consumers to experience the high quality of SASMAR personal lubricant formulations and also for consumers who have never used a lube to try personal lubricant for the first time.

The stigma associated with personal lubricant being only for those that experience vaginal dryness or couples “not doing it right” is a myth and our goal with this free sample offering is to communicate the message that SASMAR lube adds fun and excitement for all couples says Laurent Joly, Assistant Brand Manager. “The number of requests received in the past days is incredible and we are looking forward to getting the samples out for people to try!”he further added.

SASMAR was founded in 2005 due to increasing demand from consumers wanting to buy high quality intimate lubricant that did not give them thrush, dry out quickly or get sticky from a supermarket or pharmacy without needing to order it online and wait days for delivery. True to its promise the company now has its range of water-based, silicone based, warming and flavored lubes in more than 60 countries globally, is a major supplier of lubricant to the United Nations and other non-profit governmental organizations working on the prevention of HIV/Aids and reduction of unwanted pregnancies around the world. SASMAR lubricants are FDA cleared and tested compatible with natural rubber latex, polyisoprene and polyurethane condoms providing assurance to consumers of quality that can be trusted to enhance their love life instead of complicating it.
This isn’t the first time SASMAR has run a free lube sample offer, in 2006 the company launched its silicone lubricant with a huge sample giveaway within Australia that lasted many months and resulted in more than 200,000 samples being distributed across the country from their then headquarters in Sydney.
The SASMAR free lube sample offer is available to consumers in United States (USA), United Kingdom (UK), Australia and most of Europe and being over the age of eighteen is a requirement.

Sample offer page page:

Ozeri Touch II Digital Kitchen Scale

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 NOTE: remove the battery insulating strip before attempting to use the device.

June 16, 2017

Let Dad Know You’re Concerned About His Health

With Father’s Day Coming Up – Is It Time
To Let Dad Know You’re Concerned About His Health?

June brings both Father’s Day and Men’s Health Month, making the timing perfect for adult children to have a talk with their aging dads to make sure they’re taking care of themselves and will be around for many more Father’s Days to come.

“Men are notorious for skipping their annual checkups and sometimes need a little nudging to set up a doctor’s appointment,” saysPawan Grover, M.D., ( a surgeon and patient advocate.

“But those checkups are very important because so many serious health problems can be headed off with a little preventive care.”

Screenings and yearly physicals help to detect prostate cancer, high blood pressure, diabetes, cardiovascular problems or other conditions that can be treated if discovered early enough.

Fortunately, the majority of American men do touch base with health professionals, even if not at the rate women do. 

A 2014 survey by the Centers for Disease Control showed that 61.5 percent of men said they had been in contact with a physician or other health professional within the last six months, although that could just be a phone call. That compares to 74 percent of women.
But 13.7 percent of men hadn’t had any contact in more than two years, as opposed to just 5.7 percent of women.

That’s where adult children can step in, Grover says.

“They should let dad know about their concerns and that they want the best for him,” he says. “Tell him you want him to still be around to play with the grandkids and you want all of you to be able to enjoy life together for as long as possible.”

The U.S. Department of Health and Human Services offers guidelines on what should be checked and when, including:
• Blood pressure. Have your blood pressure checked once every two years. High blood pressure, if not brought under control, can cause strokes, heart attacks, kidney problems, and heart failure.
• Cholesterol. Starting at age 35, have your cholesterol checked every five years. You might want to start even younger, though, if you have diabetes or high blood pressure, if heart disease runs in your family, or if you smoke.
• Diabetes. Get screened for diabetes if you have high blood pressure or if you take medication for high blood pressure. Diabetes can cause problems with your heart, brain, eyes, feet, kidneys, nerves, and other body parts.
• Colorectal cancer. Testing for colorectal cancer needs to begin at age 50 and even earlier if there’s a family history of the disease. 
“Men who put off doctor’s visits need to realize they may be causing themselves long-term harm,” Grover says. “They probably think, ‘Nothing is wrong so why should I go to the doctor?’ But it’s not a good idea to wait until those underlying health problems start showing themselves.”

About Pawan Grover, M.D.

Dr. Pawan Grover ( is a graduate of the UMDNJ- Robert Wood Johnson Medical School (Rutgers Medical School). He did his residency at the Texas Medical Center and spine interventional Fellowship with world-renowned specialist, Professor Michael Cousins in Sydney, Australia, who is widely considered as the father of interventional pain management. Dr. Grover has also worked as a television medical correspondent with Fox news, CNN and has been featured on the Discovery Channel, NBC, ABC, CBS and PBS.  In response to his work in medicine and humanitarian efforts, he was given a national award at the White House from President Clinton and First Lady Hillary Clinton.

June 15, 2017

Cannabis Industry Legitimized Through Digital Currency

Cannabis Industry Legitimized
Through Digital Currency

There is an old saying that “cash is king.” But when it comes to forming a legitimate business or industry in the United States, digital currency has dethroned cash.

Those in the cannabis industry, which operates mainly in cash, know this all too well, as their industry is having trouble legitimizing itself, raising money laundering and monitoring fears from the U.S. government. Banks, which are federally regulated, are hesitant to work with cannabis companies because marijuana is still illegal under federal law, and that’s why it’s forced to be a cash-only business.

But Steve Janjic, CEO of Amercanex (, the first fully electronic cannabis marketplace, is changing that through an electronic wallet known as ACE Pay.
“The only legal way for the industry to do what it is doing is because of our system,” Janjic says. “We had to build a real payment system for it to survive. Without a regulatory system, we would never get the buy-in of the federal government, which now has everything it needs to regulate the industry, collect taxes, etc.”

According to a report in the Wall Street Journal, nearly 20 percent of Americans do not have access to electronic banking, a bank card or a credit card. Because of this, they deal in cash.

ACE Pay provides a bank account for those who utilize the system, forcing money to change hands electronically, much like PayPal.

Janjic says that those on the system can obtain a physical card if they desire, and that the ACE Pay system is fully automated so banks do not have to add extra staff. Thanks to a proprietary algorithm, those who are on the system will only be allowed to purchase cannabis once a day and minors will not be allowed to make purchases.

Currently, 37 states and the District of Columbia have either legalized some form of marijuana use or possession, or are in the process of doing so. Colorado has been the most successful, fully legalizing marijuana in 2012. Despite its success, Janjic says that 30-35 percent of the state’s marijuana is still purchased on the black market because of its cash-based nature.

“There are many states that could gain from fully legalizing marijuana,” Janjic says. 

“Struggling states could start growing cannabis, which could help turn their economies around.”

If other states in the union choose to follow Colorado’s model, it could be a windfall in new revenue for those states. According to Fortune, Colorado collected more than $150 million in taxes from the legal sale of marijuana in 2016. The first $40 million annually collected from taxes on marijuana sales is earmarked for public school projects. Not only is the cannabis market in Colorado generating tax revenue for the state, it is also creating more than 18,000 jobs annually.  

About Steve Janjic

Steve Janjic is CEO of Amercanex (, founded to provide a transparent, neutral and non-manipulated marketplace for institutional cannabis-industry participants, including growers and retailers. The company, a commodities exchange for the rapidly growing industry, strictly adheres to the centralizing regulatory and reporting requirements to local and regional regulatory authorities. 
Janjic is also the former global head of eFX Sales and Distribution at Tullett Prebon, one of the world’s largest institutional brokerage firms, with 168 years in the marketplace. While with Tullett Prebon, he has established a global sales force focusing on institutional e-commerce and prime brokerage sales/distribution teams.


Too much caffeine caused the death of a 16-year-old high school student from South Carolina who collapsed during class last month, according to the county coroner. Davis Allen Cripe died from a caffeine-induced cardiac event causing a probable arrhythmia. 

During an arrhythmia, or abnormal heart rhythm, the heart may not be able to pump enough blood to the body, and lack of blood flow affects the brain, heart and other organs. The teen consumed three caffeine-laced drinks -- a cafe latte, large Diet Mountain Dew and an energy drink -- in a two-hour period before collapsing in his classroom at Spring Hill High School on April 26, Watts said. (Source: CNN)

 So where does this tragic news leave adult java lovers?

How much caffeine can I drink a day?

"Most people can safely take in about 400 milligrams of caffeine daily or about 4 cups of coffee," says Dr. Christopher Calapai D.O., a New York City Osteopathic Physician board certified in family and anti-aging medicine. He adds that, “the limit varies from person to person.” It’s difficult to assign an exact amount for everyone because people can have different sensitivities or reactions to caffeine based on age, medical history, and tolerance. However, there is enough research available to make a recommendation based on an individual’s weight.

To keep it safe, health experts recommend a maximum daily dose of 400 mg. To see what this means for you, check out the caffeine in some of these common drinks:

Starbucks Coffee (16 fl oz): 320 mg caffeine
5-hour energy (1.93 fl oz): 207 mg caffeine
Dunkin Donuts regular (16 fl oz): 203 mg caffeine
Starbucks Latte (16 fl oz): 150 mg caffeine
Coffee, brewed (8 fl oz): 133 mg caffeine
Red Bull Energy Shot (2 fl oz): 80 mg caffeine
Red Bull (8 fl oz): 80 mg caffeine
Tea (8 fl oz): 53 mg caffeine

But how, exactly, can the world's most popular drug kill?

Like other stimulants, caffeine raises blood pressure, boosts heart rate and temporarily shrinks blood vessels. Dr. Calapai explains that, “In excess, the effects can be deadly by causing a heart attack, stroke or other cardio-vascular-related problem. Researchers think daily caffeine intake can increase the risk of coronary heart disease, but the results so far have been inconclusive.”

It’s also important to realize that medical conditions can affect sensitivity to caffeine. “If you have anxiety, panic disorder, heart arrhythmia, high blood pressure, diabetes, take medication or have any sort of medical condition, then you may tolerate less caffeine and should speak to a doctor,” says Dr. Calapai.

There are “caffeine overdose symptoms” that are important to watch for. 

These include:

Jitters, Restlessness, and Nervousness
Increased heartbeat
Heart palpitations (cardiac arrhythmia)
Cardiac arrest

Dr. Christopher Calapai, D.O. is an Osteopathic Physician board certified in family medicine, and anti-aging medicine. Proclaimed as the "The Stem Cell Guru" by the New York Daily News, Dr. Calapai is a leader in the field of stem cell therapy in the U.S. His stem cell treatments have achieved remarkable results in clinical trials on patients with conditions as varied as Alzheimer's, arthritis, erectile dysfunction, frailty syndrome, heart, kidney and liver failure, lupus, MS and Parkinson's. He has worked with Mike Tyson, Mickey Rourke, Steven Seagal, and Fox series Gotham's, Donal Logue; he was a medical consultant for the New York Rangers. Connect with him via twitter @drcalapai or at

June 6, 2017

How To Beat The Healthcare Odds

How To Beat The Healthcare Odds
In These Uncertain Times

Concerns about healthcare are on the rise in the United States.

A recent Gallup poll revealed that Americans list healthcare as tied for the nation’s No. 1 problem, right along with dissatisfaction with government. Each of those was named by 18 percent of the people polled, far outdistancing any other worry.

Maybe it’s no coincidence that those two issues cause equal amounts of anxiety among Americans, says Chris Orestis, Executive Vice President of GWG Life (

"There’s a lot of debate in Washington about what role government should play in healthcare, and I think a lot of people are worried that lawmakers aren’t coming up with good answers," says Orestis, who has written extensively about what he refers to as the nation’s Healthcare Hunger Games.

"That Gallup poll is an indication that people around the country have come to realize how important healthcare coverage is for them, and how easy it is to lose it."

With so much uncertainty about what would replace Obamacare if the move to repeal it continues, it may fall to each individual to take measures to make sure the odds are in their favor, Orestis says.

The key to doing that, he says, is to understand how to get the most out of what you already have. 

Some factors to consider include:
  • Weigh employer-provided options.
  • Most Americans get health insurance at work, and usually there are coverage options to choose from. Employees need to consider how much medical care they think they and their families will need in the coming year. "If you don’t expect to need a lot of healthcare, select a plan that has lower premiums, but higher deductibles and co-pays," Orestis says. "If you know you’ll need lots of care and prescriptions, choose the plan with higher premiums, but lower deductibles and co-pays."
  • Make sure you understand Medicare.
  • Medicare offers numerous choices that allow people to put together the best combination of benefits for their needs and budgets. But beware, Orestis says. "Enrolling in Medicare can be complicated," he says. "If you’re not careful, you can miss out on coverage you need or pay more in premiums, co-pays and deductibles than you realize or can afford."
  • Plan for long-term care.
  • Many people eventually require some type of long-term care, such as a nursing home or assisted-living facility, and the cost is hefty. It can be difficult to qualify for Medicare and Medicaid to pay for long-term care, and if you do qualify there are restrictions, Orestis says. Long-term care providers prefer some sort of private pay, such as personal savings, long-term care insurance, annuities or exchanging a life insurance policy for long-term care benefits. "You need to plan ahead," he says, "because the worst time to start planning is when you’re already in a crisis."
Ultimately, the best strategy is to stay healthy so you need as little healthcare as possible, Orestis says.

"If you invest in your physical, mental and emotional health today," he says, "you’ll be repaid with a better lifestyle and less need for doctors and prescription medicine in the future."

About Chris Orestis

Chris Orestis, Executive Vice President of GWG Life (, is an over 20-year veteran of the insurance and long-term care industries and is nationally recognized as a healthcare expert and senior care advocate. He is a former Washington, D.C. lobbyist who has provided legislative testimony; the author of two books: "Help on the Way" and "A Survival Guide to Aging"; a frequent columnist with a currently popular series entitled "The Healthcare Hunger Games"; and has been a featured guest on over 50 radio programs and in The New York Times, The Wall Street Journal, USA Today, Kiplinger’s, Investor’s Business Daily, PBS, and numerous other media outlets.

June 5, 2017

Leave A Lasting Legacy

Leave A Lasting Legacy In This World
While You Are Here And After You Leave

While most of us will not be world-class Olympic athletes, Oscar-winning movie stars or generals who command great battles, we still have a desire to leave some type of mark on this world.

For many people that desired action is leaving a legacy while financially securing themselves, their families, their causes and charitable organizations long into the future.
Patrick Renn ( has found a way to help others leave a legacy and reveals those strategies in his best-selling book, Finding Your Money’s Greater Purpose.

"Each of us, through our contributions as volunteers and benefactors, holds the power to change the course of society for the better," says Renn.

Renn suggests a number of ways to build a legacy and keep contributing to society even after we have left this world.
  • Charitable Gift Annuity.
  • This is a contract between a donor and a qualified charity that can supplement retirement income and also give you a tax deduction. The annuity involves the donor making a gift to the charity and, in exchange the charity provides the donor with a lifetime fixed income stream.
  • Give a gift of stock.
  • Let’s say you have a gain on a stock and want to give that to charity. To do so, you could sell it, pay the tax and give what’s left or you could first make the stock itself a gift. This gives you the full benefit of the gift as a tax deduction, and you avoid paying the capital gains tax.
  • Donate your house.
  • You can make a commitment to leave your house to a charity after your death. By doing this, you can live in the house the rest of your life and receive a tax deduction. In all likelihood the charity will sell the house after you die and the money from the sale will end up as your final donation.
  • Leave your retirement plan to charity.
  • Leaving money to a charity from your retirement plan could save a lot of headaches. A retirement plan is one of the worst assets to die with because of the taxes associated with it. Leaving the plan to a charity could be the most tax-efficient strategy for that money.
  • Give your family choices with a donor advised fund.
  • You can leave your family a say in where your charitable donations are going via a donor advised fund. Family members could recommend where money from the fund is going now and after you’re gone.
  • Donate a life insurance policy.
  • Insurance policies that no longer serve their purpose are a good place to look for charitable opportunities. Many people have outdated life insurance and have now outgrown their original need. Instead of cashing the policy in or just dropping it, why not consider donating it?
"I feel that part of my mission is to show people that they can take advantage of certain financial procedures if only they know about them," says Renn, founder and president of Renn Wealth Management Group. "With a bit of planning, such procedures could benefit them and the causes and institutions they care about."

About Patrick Renn

Patrick Renn, author of Finding Your Money’s Greater Purpose, has been a CERTIFIEDFINANCIAL PLANNERTM for more than 35 years and holds a bachelor’s degree from in business administration from Villanova University and an MBA from Loyola College. Renn – who currently lives in Georgia – is the founder of Renn Wealth Management Group Inc. (, the former president of the Georgia Society of Certified Financial Planners and former president of the Georgia chapter of the International Association for Financial Planning. He is the past president of the Georgia Special Olympics, is the current chair of the Day 1 Endowment and has served on countless other charitable and endowment boards.

June 3, 2017

Are Women Prepared For Life Alone
As They Age?

The trends are clear – as women age the odds are they will be living alone, largely because of either divorce or widowhood.

What may be less clear for many of them is whether they are prepared for that life alone – both emotionally and financially, says Susan L. Hickey, a financial professional at Your Own Retirement LLC (

“Although both men and women could live three or four decades in retirement, it’s more likely for women because they have longer life expectancies,” Hickey says. “But they also often have less in savings, and smaller or no pensions, so their longevity can work for them and against them.”

Almost half (46 percent) of women who are 75 or older live alone, according to the U.S. Department of Health and Human Services’ Administration for Community Living.

But women, many of whom are heads of households, don’t always do a good job of planning for their retirements because they spend so much of their time thinking about the needs of others – their children, their spouses, their aging parents, Hickey says.

“They need to realize that their happiness and security in their later years can hinge on so many things, and not just their savings,” she says. “So many factors come into play.”
Hickey says some mistakes women make in planning for retirement, and what they can do to correct those mistakes, include:
  • Failing to participate in planning. Many women traditionally have left the retirement planning to their husbands and that’s a mistake, Hickey says. Women should be actively involved. They need to understand their financial situation, what would happen if their spouse dies and where all the important papers are kept. When a meeting happens with a financial professional, they should be part of that and help make the decisions.
  • Underestimating how long they will live. For some reason, many women have trouble imagining just how long retirement might last. Life expectancy for women in the United States is about 81, and that’s an average. Many women will live into their 90s and some will pass 100. When planning and saving, women need to consider that they might still be living 30 or 40 years after they retire.
  • Failing to protect their health. Maintaining your general health and well being is important because medical costs can eat into retirement money, Hickey says. The nest egg that someone thought would be more than sufficient can start disappearing quickly when there are significant medical issues. Women need to make sure they get exercise, eat healthy meals and keep up with those doctor visits.
“So much of this is connected,” Hickey says. “When women feel that they have a good financial plan in place, they are more likely to feel secure and that’s good for both their physical health and their emotional health.”

About Susan L. Hickey

Susan L. Hickey ( is a financial professional at Your Own Retirement, LLC. She helps guide clients, many of which are single women or female heads of households, on the many facets of planning for retirement. Because of her advocacy Sue combines numerous elements of retirement income planning through the use of insurance products, which includes strategies for claiming social security benefits, Medicare costs, long-term care concerns as well as traditional income needs.  She holds her life and health insurance licenses, and has earned the distinguished Retirement Income Certified Professional designation.

June 2, 2017

Unexpected Strategies For Fighting Allergies

Unexpected Strategies For Fighting Allergies

Wheezing and sneezing definitely isn’t the most invigorating way of getting through the day.

But runny noses, congestion and itchy throats are an unfortunate fact of life for the more than 50 million Americans who suffer from nasal allergies that can be triggered by tree pollen, grass pollen, dust mites, pet dander, mold and other causes.

Some experience their worst moments in the spring. For others the agony arrives in the fall. And some unfortunates deal with the problem year-round.

Max Wiseberg understands and identifies with their watery eyes and every “achoo” that escapes their lips.

“I had hay fever all my life and I tried everything,” Wiseberg says. “I took pills. I underwent acupuncture. Either the remedies didn’t work, gave me headaches or made me drowsy.”

Not one to give up, Wiseberg mulled the problem between sneezes and finally latched onto a wonderfully crazy idea during a conversation with his sister. She suggested that it would be marvelous if there was something you could rub on the base of your nostrils to trap the allergen invaders before they could enter the nasal passages and begin their insidious work.

Inspired, Wiseberg created an organic, natural nasal balm that he dubbed HayMax™ (, which could accomplish just what his sister envisioned – act as a block against pollen, dust or pet allergen.

Less allergen in the body meant less for the body to react against.

“It was like magic and I was greatly relieved,” he says.

For Wiseberg, the personal battle with hay fever was the beginning of a new business endeavor. Not every allergy solution arouses the entrepreneurial spirit in sufferers, but many remedies are perhaps nearly as magical, including:
• Sex. In one of the more creative solutions to the problem, an Iranian neurologist suggested in a 2008 study that sex might hold the key to hay fever relief. According to the neurologist, Sina Zarrintan, here’s why: At the point of orgasm the sympathetic nervous system constricts blood vessels across the body. This can help with the nasal congestion associated with hay fever because the congestion usually is caused by membranes becoming swollen from inflamed blood vessels. One downside for women: Zarrintan’s research applied only to men. 
• Pineapple and other luscious treats. Some foods are natural anti-histamines. Capers, red onions and watercress, for example, contain high amounts of the natural antihistamine quercetin. Toss in a side order of pineapple because it contains bromelain, which helps the body absorb quercetin. 
• Curry, the spicier the better. If you’re dining out Indian style, choosing the hottest curry on the menu can help your hay fever.  If you’re making your own curry, feel free to pour on the spices. Turmeric, an orange-yellow spice, widely used in curries and South Asian cuisine, is believed to reduce inflammation caused by the enzyme phospholipase A2, which is provoked into action by pollen in your system. 
For itchy-eyed allergy sufferers, there’s just one ultimate goal.

“You want relief,” Wiseberg says. “You’re not going to find a cure, so the next best thing is to avoid or block the pollen whenever you can.”

About Max Wiseberg

Max Wiseberg is the creator of HayMax™ (, a natural, organic balm that traps allergens when applied to the nostrils. As a lifelong hay fever sufferer, he was inspired to develop the balm when other allergy remedies didn’t work for him. Wiseberg, born and raised in Manchester, UK, regularly writes for newspapers, magazines and blogs on the subject of allergies and airborne allergens, and has appeared on TV and radio.

May 31, 2017

6 Ways To Reduce Stress And Anxiety In Your Financial Life

6 Ways To Reduce Stress And Anxiety
In Your Financial Life 

Trading in your morning coffee run to Starbucks for the pot of coffee in the office is never fun, but when finances get tight that drive-thru stop might be one of the first things to go.
But do you really need to give up the little things in life that make you happy? 
Al Zdenek (, the author of the book Master Your Cash FlowThe Key To Grow And Retain Wealth, doesn’t think so.

"It’s important to be able to hang onto those things you enjoy," says Zdenek, the president, CEO and founder of Traust Sollus Wealth Management. "You should be able to, just as long as you continue to make smart decisions on bigger issues that affect your future wealth."

There is a lot of financial stress and anxiety in the country. Zdenek says if you can eliminate financial stress from your life, your anxiety levels will go down. Here are some of the things he recommends to accomplish that:
  • Know what you need.
  • The unknown is the biggest stress driver. There is a cash flow per month that would allow you to live the way you want now and in the future. This is something you should know.

  • Fix broken cash flow.
  • Unfortunately, we have all made poor financial choices, some of which have been more costly than others. There is no need to continue this. There are ways to find solutions in everyday decisions that will allow you to start your cash flow going in the right direction.

  • Use debt smarter.
  • Many types of debt can be good; such as real estate, investments and investing in your business. Make your debt decisions like a well-run company and create wealth.

  • Make sure you have a road map.
  • Having a good financial plan is like having a good map and researching your trip ahead of time. You can wing your financial plan, but if you work less in life and get to your destination sooner, your life will be less stressful if you have a plan.

  • Don’t let your decisions come back to haunt you
  • . The bad decisions you make could come back to haunt you decades down the road. Learn how to avoid costly decisions and always make the correct financial choices, 100 percent of the time.

  • Work when you want.
  • People like to know when they don’t have to work anymore. A good advisor can set you up with a plan that will give you this option well before you reach retirement age.
"By consistently making the best financial decisions, people can find more cash flow to spend or save," Zdenek says. "That way they may achieve financial independence sooner, work less in life and have less anxiety and stress in their financial lives."

About Al Zdenek

Al Zdenek ( is the president, CEO and founder (1982) of Traust Sollus Wealth Management, a boutique wealth management firm dedicated to empowering people to transform their lives and live the life they wish now and in the future. This is done by consistently making the best financial decisions. His book, Master Your Cash Flow, shows readers how to achieve the wealth they need and then find additional cash flow and, if saved, build wealth sooner, work less years or have more wealth to live the lifestyle they desire now and forever.