ࡱ> @ lbjbjFF ,,,       $0XXXP,0^ZZZ "$$$$$$$o R"\H fffH  ZZh]HHHf Z Z"Hf"HH6  Z PeX|^fs0#X#800    # hH6lHH00 200 MONEY ATTITUDES A great percentage of the population has prejudices or hang-ups about money. Some have been inherited from childhood, and others acquired from peers. A better understanding of these hang-ups can help us all manage our financial resources more effectively. Lack of Confidence I cant (manage my money). I definitely cant (make informed investment decisions). I dont know how to (find out what I want to know - and even if I did) I couldnt trust myself (to interpret the information correctly). Ive never had to (pay the bills on my own). Im not sure if I can (follow through). A lack of confidence is not confined to one sex, but it has been more prevalent in women. Regardless of the changing roles, some women still feel that showing competency in financial situations is unfeminine. Many men still maintain complete control of the family finances, however poorly they may manage them. While these relationships are shifting, lack of confidence discourages learning new information and skills. Overconfidence I already know what I need to do (there is little new I can learn). Ive been managing my money very successfully for years (I really do not need any help). The opposite of underplaying financial competence is knowing all the answers. This is more common with men. They have been told they are expected to know it all - the masculine mystique. In many cases, the financial situation has been handled well, but can be improved upon. Sequential Thinking First I must take care of this and when that is done, I will take care of that.... This type of thinking is typical of the couple who cannot plan for retirement until the children finish college, or the affluent young adult who cannot set aside money for emergencies and take care of paying current obligations. Procrastination Desire for perfection. Unless I can make X percent on this investment, I wont go into it. Unless you can guarantee that I will earn X amount by this date, I just wont act. Sequential thinking. I will act as soon as I have all the facts. The economy straightens itself out. When I get a raise. When my spouse gets a job. Avoidance of painful subjects. I cant think about dying or buying insurance. I dont want to think about becoming disabled. The perfectionist fears discovering a financial decision was not the best possible move. Sequential thinkers and procrastinators have an inexhaustible supply of reasons; there will always be another contingency. The person avoiding painful subjects will delay acquiring adequate insurance because he or she is unable to think about death or the possibility of disability. Lack of Definite Goals I put long hours in every day; I just dont have time for anything else. People without goals are not shiftless or lazy, just extremely shortsighted. Some continue to work 10 to 14 hour days both bragging and complaining about the long hours, but with no plans to change or upgrade their circumstances. Goal Confusion I don't have enough money to travel. I cant seem to plan for my vacation. I never have the money to do what I really want to do. Some people know exactly what they want - a vacation in Europe or Mexico, maybe the purchase of a second home - but they have never had the money to reach their goals. They allow secondary goals, eating at gourmet restaurants or buying expensive gifts to pre-empt their primary goals. To help solve these six money hang-ups, talk with a professional. Recognition of the problem is the first step towards a solution. A financial advisor can suggest a number of ideas to help overcome money mismanagement.  Paul E. Ferraresi  Founders Group Report  CREATEDATE \@ "MMMM d, yyyy" \* MERGEFORMAT July 9, 2004 PAGE 1 For advice on this topic or other areas of your financial life, contact me at:  HYPERLINK "mailto:pferraresi@foundersgroupinc.net" pferraresi@foundersgroupinc.net * (713) 871-5919 Founders Group, Inc * 4635 Southwest Freeway, Suite 162 Houston, TX 77027 * Fax (713) 425-0346 Page  PAGE 2  CREATEDATE \@ "MMMM d, yyyy" \* MERGEFORMAT July 9, 2004  +  + 89:;K괬}mW}m+h>+hM56B*CJ4OJQJaJ4phhM6B*CJOJQJph(h>+hM6B*CJOJQJaJph h}hMh}hMCJOJQJaJhMjhMUhChMCJ^JaJhChlCJaJhlCJaJhCCJaJhChC5CJ\aJhChCCJaJhChZI^CJaJ  + , J K   H I t u   + , s t  ^gdC & FgdC gdC & FgdCgdCgdCxgdZI^k RS89:;KL%&  ^gdC & F gdC gdC & FgdCgdC !$$& #$/Ifb$gd4} & F gdC gdCgdC & F gdCvvvtkit&`#$ !$&dPgdN ! $&dPgd4} ! $&dPgd5Kkd$$IflTT t 6 644 lae4 PQ¸}reeZh}hMOJQJh}hMCJ^JaJh0uhM0JCJjAh0uhMCJU hMCJjhMCJUhMCJ^JaJhM0JmHnHu hM0JjhM0JUhM)h[6B*CJOJQJmHnHphuhM6B*CJOJQJph'jhM6B*CJOJQJUphPijkl !$&dPgdN$$dNa$gds+n$a$gdQ !"()*+,-Z[ghiklйÞuqdhChMCJ^JaJh[)h[6B*CJOJQJmHnHphu'jhl6B*CJOJQJUphhl6B*CJOJQJphh[0JmHnHujhl0JUjhlhl0JUhlhl0J(h>+hl6B*CJOJQJaJph"hl6B*CJOJQJaJphn&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:pm`/ =!"#`$%n&P+p h,p h-p h.p h/R 4 h5 h6 h7 h:pl/ =!"#`$%Dd4   c hA. 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