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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.