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	<title>Money And Investing</title>
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	<link>http://www.moneyandinvesting.net</link>
	<description>Making you richer every day.</description>
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		<item>
		<title>Fixed Cost vs. Time and Materials</title>
		<link>http://www.moneyandinvesting.net/2009/07/04/fixed-cost-vs-time-and-materials/</link>
		<comments>http://www.moneyandinvesting.net/2009/07/04/fixed-cost-vs-time-and-materials/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 09:27:14 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Independent Consulting]]></category>
		<category><![CDATA[Contractor]]></category>
		<category><![CDATA[fixed cost]]></category>
		<category><![CDATA[hourly rate]]></category>
		<category><![CDATA[Indpendent Consulting]]></category>
		<category><![CDATA[professional services]]></category>
		<category><![CDATA[Working Independently]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/?p=313</guid>
		<description><![CDATA[In Professional Services terms there are two general ways of pricing a project:



 
Fixed Cost
Time and Materials


Unit of Cost
Project
Time (hour or day)


Most Risk
Consultant
Client


When to do it
Clear Expectations
No Fixed Set of Requirements



Fixed Cost is preferable in many situations.  Alan Weiss agrees on his consulting books.   Some of the reasons why:

Provide Value &#8211; Not Time.  You want to be known [...]]]></description>
		<wfw:commentRss>http://www.moneyandinvesting.net/2009/07/04/fixed-cost-vs-time-and-materials/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IOU vs. Promisory Note</title>
		<link>http://www.moneyandinvesting.net/2009/07/01/iou-vs-promisory-note/</link>
		<comments>http://www.moneyandinvesting.net/2009/07/01/iou-vs-promisory-note/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 11:52:18 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[current rates]]></category>
		<category><![CDATA[debtor]]></category>
		<category><![CDATA[gift taxes]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[promissory note]]></category>
		<category><![CDATA[promissory notes]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/?p=298</guid>
		<description><![CDATA[An IOU (I Owe yoU) is an acknowledgment of debt, normally specifying debtor, the amount owed, and sometimes the creditor.  A Promissory Note is a contract specifying unconditional terms on how to pay the debt, including interest (if any) and time of repayment.  The State of California is issuing IOUs to their vendors (essentially telling [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Salary Reduction, Now What?</title>
		<link>http://www.moneyandinvesting.net/2009/06/29/salary-reduction-now-what/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/29/salary-reduction-now-what/#comments</comments>
		<pubDate>Mon, 29 Jun 2009 22:07:35 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Careers]]></category>
		<category><![CDATA[Compensation]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[forms of compensation]]></category>
		<category><![CDATA[Job]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Salary]]></category>
		<category><![CDATA[salary reduction]]></category>
		<category><![CDATA[Work and Career]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/29/salary-reduction-now-what/</guid>
		<description><![CDATA[An alternative to being laid off could be a reduction in salary.  Companies are doing it when they do not want to lose trained and valuable employees, but they do have to reduce costs.   I do not think I would advice a company to do so.  A salary reduction makes everyone [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You do not have to be employed</title>
		<link>http://www.moneyandinvesting.net/2009/06/27/you-do-not-have-to-be-employed/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/27/you-do-not-have-to-be-employed/#comments</comments>
		<pubDate>Sat, 27 Jun 2009 12:52:41 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Salary]]></category>
		<category><![CDATA[steady paycheck]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[Work and Career]]></category>
		<category><![CDATA[workforce]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/?p=291</guid>
		<description><![CDATA[In an age of around 10% unemployment, a question comes up to my mind:  Why do we want to give the impression that everyone needs to be employed? It doesn&#8217;t even reflect current practice.  Half of the people are completely happy with the idea of not working.  And I do not even [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>QuickBooks &#8211; Nothing Beats Free</title>
		<link>http://www.moneyandinvesting.net/2009/06/25/quickbooks-nothing-beats-free/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/25/quickbooks-nothing-beats-free/#comments</comments>
		<pubDate>Thu, 25 Jun 2009 20:29:04 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Independent Consulting]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Indpendent Consulting]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Working Independently]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/25/quickbooks-nothing-beats-free/</guid>
		<description><![CDATA[For my business accounting I use QuickBooks Pro.  But to tell you the truth, chances are I would be equally happy with the QuickBooks Simple Start Free Edition 2009.  I have less than 20 customers (big ones).  And most of what I do need accounting for is create invoices, pay bills and print checks &#8211; [...]]]></description>
		<wfw:commentRss>http://www.moneyandinvesting.net/2009/06/25/quickbooks-nothing-beats-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cashing on Rewards</title>
		<link>http://www.moneyandinvesting.net/2009/06/12/cashing-on-rewards/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/12/cashing-on-rewards/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 13:35:58 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[airline miles]]></category>
		<category><![CDATA[airplane]]></category>
		<category><![CDATA[fuel surcharge]]></category>
		<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/12/cashing-on-rewards/</guid>
		<description><![CDATA[It used to be that American Airlines was the only one giving miles.  Then all airlines started giving them, followed by hotel chains.  Then the credit cards, and lately the stores.  Everyone seems to be giving points or miles for every dollar you purchase.  Over time you end up accumulating a bunch of &#8216;currency&#8217; that [...]]]></description>
		<wfw:commentRss>http://www.moneyandinvesting.net/2009/06/12/cashing-on-rewards/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Capital One Gives Cold Shoulder</title>
		<link>http://www.moneyandinvesting.net/2009/06/12/capital-one-gives-cold-shoulder/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/12/capital-one-gives-cold-shoulder/#comments</comments>
		<pubDate>Fri, 12 Jun 2009 13:21:00 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/12/capital-one-gives-cold-shoulder/</guid>
		<description><![CDATA[I have had this Capital One Visa for years, about 10 to be precise.  Great card.  7.9% fixed interest rate.  That is, until now when they tell me they will hike it up to 13.9%.  All in their right.  They have given advanced notice and allowed me to reject the terms of the change (which [...]]]></description>
		<wfw:commentRss>http://www.moneyandinvesting.net/2009/06/12/capital-one-gives-cold-shoulder/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Child &#8211; First Account Oppened</title>
		<link>http://www.moneyandinvesting.net/2009/06/11/child-first-account-oppened/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/11/child-first-account-oppened/#comments</comments>
		<pubDate>Thu, 11 Jun 2009 12:02:18 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Children]]></category>
		<category><![CDATA[Family]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/?p=285</guid>
		<description><![CDATA[We just opened the Child&#8217;s first bank account.  A regular savings account will do, under Uniform Transfers to Minors Act.
&#8220;In most states, minors do not have the right to contract, and so cannot own stocks, bonds, mutual funds, annuities and life insurance policies. In particular, parents cannot simply transfer assets to their minor children, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security Card Arrived</title>
		<link>http://www.moneyandinvesting.net/2009/06/10/social-security-card-arrived/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/10/social-security-card-arrived/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 18:47:35 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Social Security]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/10/social-security-card-arrived/</guid>
		<description><![CDATA[Sorrow and Joy.  Sorrow because the Federal government has decided to start normalizing our child &#8211; converting him into a traceable number.  At the same time, it allows us to do things like open bank accounts for him and deduct him from taxes (if only we where not phased out).  One thing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Child</title>
		<link>http://www.moneyandinvesting.net/2009/06/10/new-child/</link>
		<comments>http://www.moneyandinvesting.net/2009/06/10/new-child/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 18:42:35 +0000</pubDate>
		<dc:creator>jose</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Children]]></category>

		<guid isPermaLink="false">http://www.moneyandinvesting.net/2009/06/10/new-child/</guid>
		<description><![CDATA[We got our first child in the last few weeks.  A lot of excitement and joy.  As this blog is about financial matters, we will probably discuss the financial decisions we take in this process.
Fortunately we haven&#8217;t really had any major expenses so far.  A few diapers and a crib that we [...]]]></description>
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		<slash:comments>0</slash:comments>
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