Timothy Kramer

My friends call me Tim. You can call me the same too :) I’m the creator of this blog and happy you here with me. I talk about money issues on this blog most of the time. Do I have credentials to talk about finance? I’m a certified financial planner professional and with more than ten years of senior management level experience in banking, business development, consulting and training. I love to offer valuable tips on self-development. My experience in interacting with junior managers, entrepreneurs and business owners has led me to write on the subject involving financial literacy and entrepreneurial development.

Why am I creating this blog? Most financial advisors like to use fancy words such as upside capture ratio, beta, and standard deviation. Who cares about this fanciness of financial words? Not even a percent of the entire population. I am here to let you understand these complicated things in simple or layman’s term. As a result, you’ll know the importance of investing for yourself. If you don’t start, no one else will. That’s why I’m here and grateful that you are here as well. If you want to contact me, please click here.

It’s my pleasure to help you gain complete control of your money situation so that you can experience the real taste of financial independence at the soonest possible time. I can assure you that it tastes delicious! When I graduated college with a Finance degree, I didn’t know about investing. If I did not know a thing about investing as a Finance major graduate, how about the others who are majoring some fill in the blank subjects? Are they going to figure out? In my case, if I did not stumble into a career in the financial services industry, I couldn’t find solutions to my financial mess.

My parents always thought me the importance of saving money. Did I listen? Like most people, I didn’t. The problem right there was that they always encouraged me to save but never thought me the way. Since my parents didn’t show me how, I did not mind it and focused on more important things for me that time.

Six months of my career as a financial planner nothing much had changed. Of course, I thought about investing but it wasn’t still my priority. Until a client meeting changed my priority. They were a couple in their early 60’s and believed it was the right time to meet with a financial planner. When we got down to business, I learned that their savings were just a little over $30,000 together with small socia