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4,,,,
28555 Heatherbrook Ct. ` 10
Farmington Hills 48331
N. of 12 Mile, W. off Haggerty onto Heatherbrook,
then left on Heatherbrook Ct.
he small things always
matter most! Planning and
managing your personal
and home finances is
always key, day in and day out.
When I ran the $18 billion Kmart
merchandising depart-
ment, the one lesson I
best recall is that, with
all that huge clout, we
made half a penny on
each dollar. So if a pen-
nies count at $18 billion,
then you certainly can
see how you must man-
age your own pennies
daily.
I recently attended
a function that had me
step back and realize
that perhaps we still
have not learned the lessons that
the past 18 months have taught
us. We have suffered under the
pressure of the market: rapid and
frightening deflation. Like the word
or not, we crashed.
In that crazy and frankly scary
environment, I want to share some
insights and facts: what they mean
and how they apply.
• Lesson #1: You
must manage your
own money; no one
else can do that for
you. This means
you have to at least
know what you
have and be smart
about what you
think you need.
Notice that I say
"need." I strongly
endorse and support financial
advisers; a great CPA and financial
adviser are keys, but you have to
know what you have and what you
need. You own that.
When I say need, this means
not what you want or like, but
truly the basics to get by. There
is too much fun and not enough
need out there. I am almost 55
and I think back on how I grew
up. Surviving was being happy to
have nice clothes to wear, a hot
meal and once a year, if we saved
all year, we got to take a drive and
vacation for a week. It took one
year of saving daily to get that
one-week vacation, but that made
it mean a lot.
What do you need: not want.
Then the CPAs and financial advis-
ers will help get you
there.
• Lesson #2: "When
the markets are the
worst, or as one person
once said, when there
is blood in the streets,
you buy. So if you watch
what you do, make the
smart and logical invest-
ing choices when things
get bad, you buy deals;
this means the stock
market, cars, homes,
whatever, but take
advantage of down markets.
The smart business people of
the world do it all the time. The
real estate moguls have thrived on
bad times. Scoop up great proper-
ty in the down times and sell later
during the high times. But to have
the money to scoop the deals, you
need smart controls day in and
day out.
You must have
the tools to be able
to navigate through
the good and
bad times. Lucky
individuals will, in
some instances,
have these tools
naturally; but often
the key is build-
ing relationships
— partnerships
that span from the CPA you use to
the bank relationships you have.
Daily, there are decisions to
make. If each and every day you
are able to rely on a solid sup-
port network, then when the ups
and downs come, reacting smart
is easier with the team approach.
More to come! L
You must have
the tools to be
able to navigate
through the good
and bad times.
"Thanks to The Jewish News and
the great team efforts of
Jan Haskell at The Jewish News
& George Robertson at Cranbrook
GMAC Real Estate, we sold our
house in record time of less than
60 days!!!"
Kevin & Tillie Browett
40
December 10 2009
F. Kevin Browett is chief operating officer
of Jewish Renaissance Media, parent
company of the Detroit Jewish News. He
is a former executive with Kmart Corp.