May

4

Where do you think they will get money from?

May 4, 2008 | 2 Comments

Banks have not been doing well lately.  They got caught into a sub-prime mess of their own co-creation (the American Consumer, and overseas mortgage backed investors being their accomplices).  They have also co-created a secondary mess: credit cards.
In the Old Days banks got money from charging Interest.  In the 90’s and 2000’s they got money [...]

May

2

Real Shareholder Activism - Where is It Now?

May 2, 2008 | Leave a Comment

Back in 2000, when we discovered many of the Executives (CEO, CFO, CIO, CxO) where either directly cooking the books or looking the other way when their subordinates did so to please them, many shareholders felt they needed to take more control over the companies where they invested.
Generally, shareholders can exercise some control over the [...]

Apr

25

CDC Says Smoking Hurts Productivity

April 25, 2008 | 1 Comment

“CDC: Smoking hurt productivity.
Early deaths caused by smoking cost the nation about $92 billion in
lost productivity from 1997 to 2001…  Smoking reduces life
expectancy an average of about 14 years by way of lung cancer, heart
disease, and other illness….”  Found in USA Today, Friday 1st of
July 2005.
Statistics are just that… statistics.  But more, and more frequently [...]

Apr

17

NEED is a Four Letter Word

April 17, 2008 | Leave a Comment

Humans need air, potable tap water, food, and warm shelter. Humans want a TV, designer jeans, a 4,000 sqft. house, an iPod, and a Nissan Pathfinder.
There is nothing wrong in wanting something. It is natural to work hard to acquire or do the things you want. Buy what you want, just don’t fool yourself.
How many [...]

Apr

8

What Happens With Our Kids?

April 8, 2008 | Leave a Comment

“Seventeen of the nation’s 50 largest cities had high school graduation rates lower than 50 percent” (cnn.com) — at least that is what the America’s Promise Alliance says (bear in mind it was founded by Collin Powell, ex US Secretary of State and ex Chairman of the Joint Chiefs of Staff under Republican administrations). [...]

Mar

26

Value : Recession Resistant

March 26, 2008 | Leave a Comment

CNN reported today that Nursing is a recession proof job.  While it certainly tops my list of recession resistant jobs, there are many others: and they do not necessarily have to do with the degree printed on the diploma.  Job resistance, in my opinion, is based on value and how much someone needs that value.
Value [...]

Mar

25

Getting Paid to Learn

March 25, 2008 | Leave a Comment

I recently started doing tutoring to college students in exchange for money.  I do charge considerably less than my standard professional rate.  However, the benefits surely go beyond the pay:

Up To Date - The concepts in today’s software engineering courses (Computer Science and Electrical Engineering)  are the same they where 15 years ago.  The technologies [...]

Mar

13

Money Zen

March 13, 2008 | 3 Comments

I have friends who tell me that they do not want to be like me. They do not want to worry about money or find a better job. Yet, they complaint that they do not have enough money and that they dislike their jobs but still have to do them to earn their living.
I advice [...]

Mar

10

Dual Income vs. Stay At Home

March 10, 2008 | 1 Comment

Many people have made articles about the difficult decission families face when both of them work and they have kids. The article Dual Income Families and the Economics of the Stay at Home Parent suggests that for a $40,000 earner, the actual after-tax and after child care expenses take home amount drops to a [...]

Mar

10

Schools : How to Get Good Education? Choices…

March 10, 2008 | 2 Comments

Education is priceless but our wallets are not bottomless.  We all want the higest education for kids, but there is a point where we have to call it enough - not because we want to, but because we can’t go further.  The governemnt provides education for kids in the US.  Fairly good one compared to [...]

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