Jan

31

To Employ or Not To Employ

January 31, 2008 | Leave a Comment

That is a question every successful independent consultant faces. When business is good, work starts to accumulate, and new contracts start to show the need for growth, it is normal to think you need more employees. I have felt that. And I may need to hire employees at some point. […]

Jan

24

Reusable Shopping / Grocery Bags

January 24, 2008 | 1 Comment

People are switching from the flimsy plastic bag to reusable bags. A very good idea, in my opinion. They do help save the environment a little (I am not convinced they do it as much as other measures you can take). They can also save you some cash. My local supermarkets […]

Jan

24

Keep It Nice and Tidy

January 24, 2008 | 1 Comment

Homes are not selling easily.  House prices are falling.  2007 challenged the old-age idea that Real Estate doesn’t go down (at least in a nationwide level).  Investing World Today suggests reasons why a particular home may not be selling, worthy of reading when you need to sell a home in this very difficult market.  In […]

Jan

24

2008 Financial Resolutions

January 24, 2008 | 2 Comments

Here is a list of my 2008 Financial Resolutions:

2008 Financial Resolutions

Goal

Description

Stay Independent
I like the independent consultant’s life.I also like all of what I am learning.
My goal is to be able to stay independent without loosing my shirt.
The only way I would go back to a permanent employment is if they offered me a $200,000 base […]

Jan

24

2007: Financial Resolution Review / Scorecard

January 24, 2008 | 3 Comments

Every year I have been posting Financial Resolutions. This keeps me honest with what I say I will do. I am a strong believer that you should share your goals and objectives with your friends: as they will hold you against them and will nag you until you finish them (your real friends […]

Jan

23

Paying Mortgage Early?

January 23, 2008 | 2 Comments

The traditional wisdom in the USA is that paying a mortgage early doesn’t make too much sense when you compare it to putting money into savings or investments. The Sub Prime crisis make me think again about this situation.
The first thing I have in mind is what interest rate you got from your bank. We […]

Jan

22

How do we get our cheap goods now?

January 22, 2008 | Leave a Comment

The market slump we saw in the last couple of days is a reflection of a breakdown in one of the most interesting money cycles in history. It seems that American (and other industrialized) consumers have been on a shopping spree for goods produced by emerging economies. Those economies didn’t knew what to […]

Jan

16

When It Pays To Take The Long Warranty? – Water Heaters

January 16, 2008 | Leave a Comment

On very few things I get impressed by the warranty ratings. Cars could be one thing. But Water Heaters warranty ratings is definitively one thing I do watch. Blueprint For Financial Prosperity ponders the question about paying double for the water heater with the extra warranty ($755 12 year vs. $355 for the 6 year). […]

Jan

16

Quicken WillMaker - Review

January 16, 2008 | 4 Comments

One of my 2007 Goals was to prepare all of the disaster-related papers. Those include:

Last Will - Who inherits what.
Health Care Proxy & Health Care Directives - Who can make live saving or live terminating decisions on your behalf. Two documents for this purpose.
Durable Power of Attorney - Authorization to make financial decisions […]

Jan

16

Turning a Recession Into An Opportunity

January 16, 2008 | Leave a Comment

There is no denying that recessions are not good for anyone. People and companies are cash strapped and are afraid because they do not know when things will get better. Recessions do not give any reasons to celebrate about them.
Recessions, however, provide opportunities. Proactive people pick up themselves from the sad […]

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