Rubini, Michael

The author was born during the second World War. It was a time of national pride and team effort. Our country was built on the principle of hard work which seems to have lost its appeal over the years. Credit was not readily available; people had to live within a budget. Saving up for something was the accepted way. In this day and age credit is easy to obtain and if not managed wisely gets people over extended. The author began to learn these principles at an early age and lived through the mistakes to share his wisdom with you. The author has been self employed most of his life and enjoyed t...