davidpandone.com - MoneySmart Publications

Banish the Darkness

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Within minutes of posting the following on Facebook, those who run Facebook, either by employee or by AI-bot, banned the attached image which presented the evidence. I swear all the people in involved with that company belong in jail. Such abusive behavior and fraud; and they have the gaul to sit in judgement of others.…… Continue reading Banish the Darkness

How to Prepare for Financial Crisis

What can be done to brace for a market crash? What did people need that they didn’t have in March of 2020? This is what individuals, households, businesses, and countries need to have but didn’t in the Spring of 2020: When the market lost 33% over the course of four weeks from February to March,…… Continue reading How to Prepare for Financial Crisis

Issues with Capitalism and Oligarchy

The video below is an excerpt from the Personal Financial Education series at https://www.davidpandone.com The series strives to present and prepare people on the topics of money, finances, and growing their wealth* which should be taught in school, but isn’t. Saved from the cutting room floor, excerpted here, and added as bonus content to the…… Continue reading Issues with Capitalism and Oligarchy

Guilt-Free Spending (part 2)

Part II When you keep a budget, you should know where your money is, where it went, what it’s being used for, and how much you have reserved for your personal use. The reason that many people don’t have money is that they don’t plan to have money. Really, that’s not a flippant statement. People…… Continue reading Guilt-Free Spending (part 2)

Guilt-Free Spending (part 1)

Part I ‘Why do I feel guilty spending my own money?’ is a question that many people struggle with. The seeds of this article stem from that question I saw posted in an online forum that I really had the desire to address. When I tried to access the answer page to submit an…… Continue reading Guilt-Free Spending (part 1)

The Game You Write Your Own Rules For…

Empowered to do what you’d like to do and to be who you’d like to be. All too often these days people, organizations, and ‘authorities’ are making all too many decisions ‘for your own good’. If you’d like to retain or recover more of the ability to make your decisions based on your own values,…… Continue reading The Game You Write Your Own Rules For…

Wealthy And Rich Are Not The Same! Part 2

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Wealthy And Rich Are Not The Same! Part 1

What Makes Money Work? Part 2

The Magic of Compound Interest: When you invest your money and earn, for the sake of simplicity, 10% annually on a thousand dollars of capital ($1000), you would have $100 in profit or yield (which is taxed as earned income by governments in most states, but let’s ignore that for now). When you’re ready I…… Continue reading What Makes Money Work? Part 2

Simple, But Easy?

Set your sights on the far horizon, you're going places!

I can relate to hesitation about a belief in financial success. When I was younger I chose two careers that interested me greatly, but didn’t pay particularly well; music and photography. I enjoyed them both, and I was good enough at each to scratch a living from them, but financial success or excess was not…… Continue reading Simple, But Easy?