Both of those things excite me.Notice I didn't state my monetary goals??

Given that we are entering into a period of global macro economic uncertainty and tightening monetary policy here in the states, its no surprise stocks are declining. 

Market cycles are built into current monetary policy.

Thus, the very common and first step before promising any marketing happenings to paper is to create a financial plan for the monetary year.

The first goal is to acknowledge that a simple monetary pur,hase will not make you happy.    

If you get a judgment for monetary amounts, you still might not get paid anything on that judgment. 

I am very upfront when you put in an app of what my monetary requirements are.

I do a non-monetary gift and card (like a small Hickory Farms box or gourmet popcorn).

Ironically, cheap and greedy people rarely get wealthy, frugal and generous people do all the time, though being frugal and generous is no guarantee of it, it is a darn good place to start and stay IMO and has its own rewards well in addition to monetary riches.

The lender has an actual monetary loss.