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Web Log

This is it.  Steve “Guz-E” deGuzman’s very own, actual BLOG.  What more could you want? Please join the discussions. And there is video too!

“Wherever You Go, There You Are.” 

 

Original Hooters restaurant building illustration, featuring outdoor signage and rustic exterior, representing the iconic American sports bar and restaurant chain.

Wingman Book Outline with Podcast Audio

“From Florida Bar to Global Brand: The Untold Story of Hooters” Introduction: The Global Phenomenon of Hooters Brief overview of Hooters today as a worldwide brand. Teaser of the journey from a small Florida bar to a global empire. Introduction of the book’s central…

Another Source for a Down Payment

Another Source for a Down Payment

Borrowing from a 401k, 403b or the cash value of life insurance policy is a common financial strategy. While taxpayers are not allowed borrow from either a traditional or Roth IRA, they can withdraw funds before age 59 ½ for specific purposes like a first home…

Anticipating the Cost of a Home

The largest expenditure a buyer has when purchasing a home is the down payment which can range from zero for veterans or 3.5%, 5%, 10% and 20%. With mortgages come closing costs which can be another 2-4% and must be paid at settlement in cash. Most mortgages require…

Personal Finance Review

Even if Benjamin Franklin never actually used the expression “a penny saved is a penny earned”, the reality is that it has been a sentiment for frugality for centuries. He did say: “Beware of little expenses; a small leak will sink a great…

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If and when I get anything to email you, I will.  I promise.  It could be a while – so, do not expect anything anytime soon.