More from: financial



Crisis like a boss

photo of a Cessna 150 taildragger

Cessna 150 taildragger. This work has been released into the public domain by its author, Ahunt at English Wikipedia. This applies worldwide.

I flew Pipers at Purdue. Student pilot thing. It was fun and when I returned home to South Bend I continued casually working on my pilot’s license.

The club in South Bend had Cessnas instead of Pipers, but it’s all good. Coming back to the airport one flight I was a bit high on final approach. You add one click of flaps on downwind, another on cross wind, and the third on final. The flaps create drag to slow you down so that you loose altitude and eventually you gently land.

I was a bit too high on final, and the easy fix for that when flying a Piper is to turn the aircraft slightly sideways, what we call crabbing, to present a non-streamlined surface to the wind and slow down more and loose more altitude. But in a Cessna crabbing with full flaps disrupts airflow over the wings and control surfaces: you loose all of your lift and most of your controls, and immediately begin to fall like a 985 pound rock, quite literally. And that is exactly what I did.

Anywhere this is uncomfortable, but on final approach it can easily mean death. I did what I had learned to do: I kicked rudder like my life depended upon it, because it did. My little falling rock turned back into an aircraft a foot or two above the ground and gently kissed the runway then stopped, directly on top of the numbers at the start of the runway. I had to accelerate again to drive to the off ramp and back to the hanger.

If I had not been trained how to handle that crisis I would not be here today. Because I did get trained, and took action immediately, I survived that crisis and 40 years and four kids later I’m writing this little missive to you, now.

We are entering now into a financial crisis unlike anything our nation has experienced before, and the expectation is that it will get much worse before it gets better. Seventy-eight percent of Americans cannot afford to miss one paycheck. If you are not one of them chances are you know some who are. Your past paycheck-to-paycheck financial practices won’t work in this new aircraft – it’s a sure way to crash hard.

My public charity is making a special effort to help your family make it through this crisis by teaching you some simple financial steps that you can take to protect your family. Adult Life Training, Inc. is a public charity, we get no money for this.

Adult Life Training will start our 3rd FREE Financial Peace class series Tuesday April 7 at 7:00pm EDT. If there are not 2-3 families signed up by then then we will delay starting another week or two to allow them time to register.

This free public workshop has been underwritten by a generous grant from the 3Rivers Federal Credit Union Foundation. 3Rivers is Here for you: here for good. If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you. https://www.3riversfcu.org/

This special set of FREE public FPU classes is available to everyone at home via Internet using the free conference app from Zoom.us in Windows, Mac, or your Android or iPhone, or by opening in your web browser.

You will need the membership kit sold by Ramsey corp to participate. You can presently get a free trial membership at https://www.daveramsey.com/.

You will need the FPU membership kit to view the videos and use the other financial survival tools on the FPU web site. We will all watch the video before class, then meet on Zoom to discuss and answer any questions on getting through this crisis.

Registration link (and access to buy the Ramsey kit from Ramsey) is http://fpu.com/1116938. The Zoom.us meeting link will be sent to you the week before the first class.

There are three things that are useless to you as a pilot: the airspace above you, the runway behind you, and what you could have done a tenth of a second ago. In a similar way, what you could have done financially is irrelevant: you need steps now that you actually can do to get through this! Letting your financial things just do whatever they are going to do during this present financial crisis, or trusting someone else to save you, is how you turn a crisis into a tragedy. But there are some really simple things everyone can do to stop their financial tailspin.

Register now, get the training you need now: survive and maybe thrive a little in this present struggle. The Registration link is http://fpu.com/1116938.


Can you afford to miss work for two weeks if we are all instructed to stay at home?

Can you afford to miss work for two weeks if we are all instructed to stay at home? You should be in this class – two weeks seclusion would not be an issue for you now if only you had been doing this before!

We have only done lesson #1 so far. Come. Class is FREE. If you did not buy the official Ramsey “membership kit” we will provide a lesson handout for you to use. Just come.

You work too hard to hurt like this! It doesn’t need to be this way! Just come, learn, and never face this stress again!

We will help you get a plan you can do that will work. For free. We’re a public charity, not a for profit business that wants to sell you something. We are supported by local businesses who want to make life better for everyone in our community.

There is no question that this process called Financial Peace University works – it works. The only question is if you choose to benefit. Our FREE FPU class started March 9, 2020 (Monday) at 7:00pm. Come and join Monday at 7:00PM. Register at  http://fpu.com/1113078 or JUST COME.

Our thanks to 3Rivers Federal Credit Union Foundation for continuing to support our effort to provide FREE financial skillz classes to our community. 3Rivers is Here for you: here for good.

ALC campus, 3301 E Coliseum Blvd, Fort Wayne, IN 46805  Door #4, 7:00PM.

This free public workshop has been underwritten in part by a generous grant from the 3Rivers Federal Credit Union Foundation. 3Rivers is Here for you: here for good. If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you. https://www.3riversfcu.org/

Business owners: If you would like to underwrite our work to make this community a financially stronger, happier, place to live, please call John at 260.432.0014 x128 T-F 12:00-4:00, email jdnash@alt-fw.org, or donate with the PayPal button at the top right of our web pages. Our immediate goal is $7,500 to underwrite one year of shopping cart advertising in local groceries to reach as many people as possible. Everyone has to eat! People will see it. Ad space on our QR code connected landing page is limited to no more than seven businesses who underwrite at least $1,000 and will be up all year. We can update underwriter’s ads as needed.


Free FPU Starts Monday 3/9

picture of missed targetWould you expect to hit a target by closing your eyes and just letting what happens happen? Doesn’t your financial life matter enough to take aim?

80% of Americans cannot afford to miss one paycheck but it needn’t be like that. You work too hard to get to the end of your life and have nothing to show for it. We will help you get a plan you can do that will work. For free. We’re a public charity, not a for profit business that wants to sell you something. We are supported by local businesses who want to make life better for everyone in our community.

Our FREE FPU class starts March 9, 2020 (Monday) at 7:00pm. Come and join Monday at 7:00PM. Register at  http://fpu.com/1113078 or JUST COME.

Our thanks to 3Rivers Federal Credit Union Foundation for continuing to support our effort to provide FREE financial skillz classes to our community. 3Rivers is Here for you: here for good.

ALC campus, 3301 E Coliseum Blvd, Fort Wayne, IN 46805  Door #4, 7:00PM.

This free public workshop has been underwritten in part by a generous grant from the 3Rivers Federal Credit Union Foundation. 3Rivers is Here for you: here for good. If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you. https://www.3riversfcu.org/

Business owners: If you would like you would like to help us help you make this community a financially stronger, happier, place to live, please call John at 260.432.0014 x128 T-F 12:00-4:00, email jdnash@alt-fw.org, or donate with the PayPal button at the top right of our web pages. Our business partners are the wind beneath our wings! We need volunteers to assemble and teach classes and we need money to buy advertising.