I just read an article over at ‘Smart Money‘ about how couples often make similar mistakes in regards to their finances. It brings up many good points and issues.

“Most of us don’t know how to talk about money,” says Mary Claire Allvine, a certified financial planner (CFP) and co-author of “The Family CFO: The Couple’s Business Plan for Love and Money.”

“People tend to be emotional and reactive about money, not strategic,” she says.

When emotions run high, people tend to make fiscal mistakes. Allvine’s solution: Approach family finances as if you were running a business. “If you put a business metaphor into the picture, you’d be surprised how much more methodical people are.”

In this article she talks about 6 common pitfalls that could arise if issues are not properly resolved.

1. Merging finances
2. Controlling debt
3. Spending habits
4. Investing Wisely
5. Money Secrets
6. Emergency Planning

Give the article a read, I think that you will find it full of good ideas and perspective for you.

Recently I was approached about a ‘business opportunity,’ but the guy couldn’t tell me about it right then. That didn’t seem to be to be an issue, there were a lot of people around. The guy gave me his card, and we set up a time to meet in a couple of days. I did a quick search on the company, because it occurred to me that it might be a pyramid scheme or multi-level-marketing.

I figured there were three options.

1. It was doomed to failure.
2. It was a pyramid scheme and doomed to failure.
3. It was actually legitimate.

I’d like to believe that I have a pretty good BS detector and would be able to figure out what are the pressing issues. So on the off chance that it was the third, I went to the meeting.

Nothing revolutionary happened that is of interest. It was basically a big ‘what if’ scenario. What if you didn’t have to work for the rest of your life? What if you could build equity in your sleep? What if you could get other people to make money, and it would make you money?

And then the meeting ended. He basically took half an hour to tell me that he was an affiliate marketer of sorts. The details would have to come to me at another meeting from on of his mentors.  This is starting to look more and more like a mlm (multi level mistake), but there could be a nugget of information stored in there somewhere.

A couple of days later and I find myself at another meeting…

Now that you have seen a couple of games that are great for developing strategy in groups, what about good old ‘one on one’ games? Well there are some great ones out there, just waiting to be discovered and played.

1. Hive - In this two player game you control half of the hive, a collective of insects and spiders buzzing, jumping, and scurrying around. You’re goal is to surround your opponent’s queen bee completely.

   Each insect has a different movement path that it can follow. Grasshoppers can jump over clusters. Ants can march around the perimeter. Beatles can crawl over the top. You can never break the hive into two parts, so everything is connected at all times.

   You will be able to either move one of your pieces, or place a new one on the table. The game is quick, and it jams in quite a bit of thinking into that time. I like to compare it with chess, every piece has specific move it can make, and the goal is to take out one piece.

2. Carcassonne Hunters and Gatherers – While this game can be played with up to 5 people, it really plays well with only two. So I have decided to include it here as well.

   The idea in the game is to control different sections of the land as they are ‘discovered’. Each turn you draw a tile and have to fit that into the game in a way that all the edges match. (Forests on Forests, rivers on rivers, and plains on plains) Then from there you have an option of placing one of your ‘meeples’ (miniature people) onto the board. Once that section is complete, you will score the points of it and get your meeple back.

   The game isn’t huge on strategy, you are at the mercy of which tile you draw. But there is quite a bit of tactics in where you place that tile, and if you do add a meeple to the board. It is defiantly worth a play.

3. Scrabble – Now Scrabble is a game that you have to have heard of before. Because of that, I’m not going to go into much details on it.

   Simply use your rack of letters to play words on the board in a crossword like manner. Placing the letters so that you get to that triple word score is key, but creating good words is also going to make a big difference.

   Like Carcassonne above, this game can be played with more players; however, Scrabble plays the best with only two.

I hope that these will be able to challenge you, and whoever you decide to play against. As in most games, the more you play the better you get, and the more ideas you can try. So give them a shot, and see what you think.

Do you have a favorite two player game that forces you to think?

Quite some time ago I wrote a series of posts about Benjamin Franklin, and his business prowess. The series of posts was following the 12 rules of management from a book written by Blaine McCormick. In one of the posts, ‘A Simple Recipe for Lifelong Learning,’ I briefly mentioned a bit about using board games to gain ideas and try different ideas and strategies. I thought it might be a good idea to show you a couple of board games that you might like to try out.

1) Settlers of Catan – In this game, you are trying to control the island of Catan economically. Each different type of tile has the ability to produce a different resource that you will use to develop roads, build settlements, upgrade to cities, and use for bartering with other players. At the start of every turn, resources are produced for everyone who has a settlement in the right area. Following that you have the opportunity to trade and build.

The great thing about this game is that the board is based on tiles. Each time you play the game there will be a different island, and the resource production rates will also be different for each game.

2) Ticket to Ride – Connect the world! Well, rather connect the United States with your rails. (There is also a German version, a Europe version, and a Switzerland map) In ‘Ticket to Ride’ you are trying to connect cities across America. Doing so will get you points in two different ways. Every time you lay down train tracks and if you can complete your secret route cards.

The route cards are very simple. They have two cities and a point value. If you can connect the two cities on your railway, you get the points. Otherwise they will count against you. The farther apart your cities are, the more it will be worth. The turns move along fairly quickly as it is easy to come up with your next move before your turn happens again.

During your turn you will have three options – take more route cards, lay down track, and collect train cards (which you use to lay down track). What is your backup plan when somebody takes your route? What is the best way to get from point A to point B? It’s not always a strait line in this game.

3) Puerto Rico -In the game Puerto Rico, you are trying to stimulate economic growth on the island and build up San Juan. You have several different ‘roles’ that you can choose during your turn. But when you choose one, everyone can do the action. So you really have to determine when the best times are to trade goods in the market, ship them off to England, build buildings, and harvest crops. Once a role is taken, it can not be used again until the next round.

You will also have the ability to build buildings in San Juan. They will allow you to do things such as getting better prices at the marketplace, being able to store more goods, and of course the ability to process the goods. The only thing that I should caution you about this game is the time. It will take around 90 minutes to play this game, even more time during the first run through.

Hopefully you will get a chance to play these games; however they all require 3 players minimum and go up to 5. (Settlers of Catan only goes up to 4, unless you buy a 5-6 player expansion.) There are also some great 2 player games to rack your brain, I’ll talk about them in an upcoming post.