In Napoleon Hill’s “Outwitting the Devil,” an interview between an Earth-bound being and the devil takes place in which the concept of the drifter is revealed by the enemy.  When asked what the characteristics of a drifter are, the following list is presented.  Shortly thereafter, a list of characteristics of a non-drifter are outlined.

The Characteristics of [...]

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Borrowing to save?  Yep.  That’s what I said.  Borrowing to save.

If you know me, you know that I detest debt.  I will NOT borrow money, and I also won’t lend it.  I have enough of a history of debt, and I’m done with it, permanently.  It’s [...]

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Note: The numbers used here are fictitious and are simply an example to help you understand the process.

Every debt you have carries a minimum payment.  Whether it’s your credit card, car loan, signature loan, or mortgage payment, you have a minimum that you need to pay every [...]

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Co-signing for a loan is as good as taking the loan yourself.  If you co-sign, you owe the balance too.

There are plenty of people who want it now who can’t have it now who decide to ask you to help them get it now.  Don’t do it.  If they can’t get a loan on [...]

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…but you wouldn’t know it would you?  Most of your friends and family will contest any attempt to show them that not having a credit card is a good thing.  They’ll argue with you about not being able to rent a car, or purchase a hotel room, or book [...]

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