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You are here: Home / Archives for debts

“I’m freaking out! Call me please!”

November 25, 2012 by Scott "Q" Marcus Leave a Comment

One of the nicest adjectives applied to me is “avuncular,” the kindly, wise uncle-type.

Being courteous — as well as avuncular — I always shut off my phone while at the movies. Upon exiting, its screen exhibits “You have five voice mail messages.” My cell number is closely held, so that many messages unto itself is odd; even worse, they’re also all from the same young man from down south who regularly seeks my guidance. Seeing so many messages from him in a two-hour time span, I fear the worst and quickly tap the link for message one.

“Hey, it’s me, can you call me back when you get a chance? Later. Bye.”

His words say “casual” but he’s attempting to cover the dusting of nervousness sprinkling his tone.

Message two arrived 15 minutes later.

“Me again, just wondering if you got my last message. I know you’re busy, but when you have a minute, I need some advice and knew you could help… Okay, thanks.”

Anxiety is increasing but is still reigned in.

Twenty minutes later,

“I guess your cell is turned off. But, as soon as you turn it on, I really need you to call. It’s important. Please. I need your help.”

He’s pleading, abandoning the illusion of being off-the-cuff.

I would have phoned right then, but two messages remained, with what could be additional essential information. I listen to the next dispatch, which arrived 30 minutes ago. His frantic voice explodes from the speaker:

“I’m freaking out! Please, please, please call me back!! It’s urgent!”

My inner parent is red-lining. I really want to call, but feel it’s important to get the last piece of data — which turns out to be 180 degrees different in attitude; tranquil, peaceful, and calm like a placid lake:

“Never mind the previous calls. Sorry to bother you.”

Relieved, but confused, I dial his number.

[Read more…]

Filed Under: Asking for help, humor, Newspaper Column Tagged With: anxiety, anxiety level, attitude, debts, guidance, humor, stress, wise uncle, worry

Let not Retirement be a Concern – Plan from beforehand

March 27, 2012 by Scott "Q" Marcus

nest egg financial planning retirement

You’ll need financial security throughout your life.

However, the need increases more when you retire, since you lose the steady source of income you had till then. You might have intended to take a long vacation or set up a new business after retiring from your job. You might have planned to enjoy your life, relax and indulge in your hobbies.

Having debts might spoil your plans for retirement. Setting aside a particular portion of money, for debt repayments as per your debt management plan, will reduce the cash flow that you’ll need to turn your plans into action. It is advisable to plan early for your retirement, so that you don’t have to leave any of your wishes unfulfilled. The following tips might just be helpful as you start planning for retirement.

Tips for retirement planning

Your requirements don’t reduce after retirement. Only you’ll have more free time for your family as well as for those desires, which you might have neglected this long. So, why not make efforts yourself to lead a comfortable life after retirement? Make use of the following tips, and start building up funds from now onwards for your life, post-retirement. [Read more…]

Filed Under: Baby Boomers, goals, Guest Author, planning Tagged With: aging, budget, cash flow, debt management plan, debt repayments, debts, financial planning, financial security, income and expenditure, job, monthly mortgage payments, priorities, retirement tips

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