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5. Not giving it time to work. It’s an adage in marketing that if you’re going to say it, say it at least 3 times. Until 1968, but Adidas shoes’ popularity quickly spread among both serious and casual athletes and quickly became the top selling American sports shoe. At the 1972 Olympics, every official as well as the vast majority of athletes wore Adidas shoes. The Adidas company also was highly successful in creating and selling its own line of sportswear.

Enterprise surpassed Hertz Corp. As the largest rental car outfit earlier this decade, says Neil Abrams, president of travel specialist Abrams Consulting Group, and the Enterprise brand alone buys close to 800,000 cars a year. He praises the Taylor family for its environmental efforts, noting that as a private company, Enterprise doesn’t have to answer to Wall Street.

The reverse is also true as with films, stars are known to cut their rates for a prestigious name. And competition can get fierce, especially among the women. I’ve listened to one actor endorsing a major cosmetic brand gloat about bagging it, comparing the ads in her kitty to those in her rival’s.

This is endemic. It sucks. You are not alone and you have more presence and awareness and passion than you allow yourself to believe. “If a young professional, say she is 25, earns $50,000 per year, saves $5,000 each year, and places this money into her company’s 401(k) balanced mutual fund or even an ETF, which earns 8% annually on average; she could end up with $1.3 million in retirement assets,” said John Barnes, a certified financial planner with Barnes Financial.That number assumes no company matches, additional contributions or salary increases.The 5 minute 401(k) investment planBut in reality, you’ll probably earn more money over the course of your life.A better strategy is to slowly increase your contributions over time as you get raises, until you reach the legal maximum currently $18,000 a year.After that, you can invest any additional money in an IRA or a taxable mutual fund account.Step 2. Figure out how comfortable you are with riskGenerally speaking, the younger you are, the more risk you can afford to take on.The stock market can be volatile, but young people have a unique opportunity to take on risk because they have plenty of time to recover from market setbacks before retirement. So it’s pretty common for people under age 30 to have 90% or even 100% of their savings in the stock market, said Pearce Landry Wegener, a wealth management advisor at the Summit Place Financial Advisors.But asset allocation or how you divide up your money between stocks, bonds, cash or other investments is a completely personal choice.If you’re not all that comfortable with risk or need money in the next few years, invest a larger chunk of your money in safer assets like bonds.Step 3.

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