Monday, February 21, 2011

Making Money

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<b>News</b> Corp. to Buy Shine Group for $663 Million - The Hollywood <b>...</b>

Rupert Murdoch's News Corp. is to acquire the entirety of Shine Group, owned by daughter Elisabeth Murdoch.

<b>News</b> Crew Attack: TV <b>News</b> Crew Attacked While Covering Shooting

SACRAMENTO, Calif. (AP); A group of about two dozen angry mourners attacked a news crew reporting on the killing of a 27-year-old man in California.

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"It takes a special kind of person to keep going back into threat areas," a Logan colleague tells Us.


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Thursday, February 17, 2011

Making Money Fast


Of all the interesting new tech that seems poised to garner a lot of buzz in 2011, near field communication (NFC), is probably the most exciting. If it takes off, it will transform the ways we communicate, share, and make payments with digital devices. This will likely take years to happen, but the groundwork is being laid right now. And RFinity is one of those companies at the forefront.


While Google and Apple are responsible for generating much of the buzz about NFC at the moment, the technology goes far beyond simply having the right type of chip in your mobile device. For example, how do you handle different types of data transfers being made from one device to another? And how to you ensure that they happen as quickly as possible? And most importantly, how do you ensure that they happen securely? Those are the things that RFinity is thinking about.


The company has just raised $4 million from Horizons Ventures in Hong Kong. And the space has gotten so red hot, in fact, that we hear they’re already out raising another round.


And it’s an easy bet for investors to make not only because of the space, but because of where the project originated: The U.S. Department of Energy. Specifically, RFinity was born when a bunch of infrastructure security experts working for the government were assigned to find all the vulnerabilities in cell phones. Through software they came up with, they were able to quite easily eavesdrop, manipulate SMS messages, and even compromise LAN security. Then they set out to figure out a way to stop people from doing those very things. That work led directly to RFinity.


Work originally began in the person-to-person and person-to-vendor sales space by way of mobile applications that route transactions through RFinity’s own secure servers. But now that NFC appears ready, RFinity is making sure they’re ready for it. The idea is that their technology could cut out the middle man here: themselves.


Obviously, the company isn’t going to share all the details on how they secure NFC transfers. But the basic overview is that they verify an incoming NFC signal and ask for a user’s permission before taking any action. Further, if the action is a transaction, it requires a PIN, just as you might do an ATM withdrawal. That’s all pretty standard. But the key is one-time-use transaction codes that RFinity creates on the fly along with complex cryptographic signatures. These ensure that an transaction is secure since it means that every transaction can only happen once. Even if those numbers were intercepted by a hacker, they would be useless beyond the one-time payment.


And even if your phone is lost or stolen, a thief couldn’t do anything without your PIN. And you can remotely shut down your NFC capabilities via RFinity. It’s enough to make me wish I could throw out all my credit cards right now. “Today’s identification and transaction systems are based on what? A magnetic strip on the back of a card, based on a 1950’s technology that relies on a base station to read the information embedded as a series of simple magnetic markers in plastic tape,” writes Josh Jones-Dilworth, who is working with the company to bring them to market.


Again, NFC as a technology is great and potentially game-changing. But the software is still needed to make it actually work. And some of the big guys began realizing that early on as companies like PayPal, Bank of America, and even Subway have been testing out different things with RFinity for some time. In fact, RFinity has actually been doing field tests of the software end of their technology since 2009 in places like Idaho, well before most people in the U.S. had ever thought about NFC.


But now people are starting to care. And soon, they could be caring a lot more. NFC is already built-in to Google’s new Nexus S device — and the company has put out a call for developers to start using the tech. Rumors have the next iteration of the iPhone gaining the technology as well. In other words, I suspect we may be seeing acquisition rumors starting to fly around RFinity in about six months or so. Provided their technology proves up to the NFC challenge, of course.



One of the reasons American management isn’t what it used to be is that most companies do not give a rat’s ass about employees. Yes, you’ll get the usual human resources blather about how “our employees are our most important asset”, but actions on this front speak vastly louder than words. In the 1970s and early 1980s, management gurus and the business press argued that one reason German and Japanese manufacturers were trouncing their American counterparts was that they had better employee relationships. But even though there is still a mini-industry dedicated to producing corporate “leaders”, US companies too often see employees as costs, and their objective is to get buy spending as little as possible on them, rather than treating them to the extent possible as allies in building a more successful, profitable venture.


An article in the “You’re the Boss,” a New York Times column, demonstrates how deeply these warped values have taken hold in American business. Now admittedly, this feature focuses on small businesses, and these enterprises are often on the knife edge of survival. At the same time, every now-big company was a small company once, and presumably a venue like the New York Times is trying to help these companies perform better and for those that have significant potential, to chart a path that increases their odds of achieving it.


So consider this discussion:


Last spring I exchanged e-mails with Amy Christensen-Waddell, president of Albion Swords, which makes reproduction swords and armor (and I thought my business was niche!). Discussing employee pay, she asked: “If your people are making a lot of money, do you find it makes them more loyal?” I didn’t give her an immediate answer, but the question has been in the back of my mind since then. Here’s my current thinking….


But what about for the rest of us, for the unglamorous companies with mundane work, for the bosses with feet of clay? We’re going to have to think of loyalty differently. We’re going to have to buy it — by which I mean providing a package of pay, benefits, and workplace atmosphere that’s good enough that our employees can’t easily find better pastures…..


Unfortunately, for many years I was paying my people more than I could afford, and more than they could find elsewhere. Making that payroll was often excruciating. My employees were very happy with their paychecks, but the high costs were bleeding the company white. I cut wages by 20 percent in 2008 and partially restored them in 2009. Through all of that, I had no defections. My conclusion: I was paying more than I needed to.


There’s got to be a sweet spot in the middle where you pay enough to prevent defections but no more. Additional wages and benefits, beyond your employee’s next best choice, are paying extra for something you have already bought.


Now on the surface, this all sounds reasonable enough: employees can’t be relied upon to be loyal, so since they are mercenaries, the boss should pay just enough to keep them from bolting, but no more. But read the language more carefully. The author sees himself as having to buy loyalty, which is barely a step removed from seeing workers as commodities.


And how we got here is conveniently omitted from this picture. Managements at companies big and small have institutionalized short job tenures. But many people, particularly those who do not see themselves as being on a career fast track, value stability and the social contact that comes from a steady job. And if you’ve ever run a small venture, or even a small department in a company, having someone quit is hugely disruptive. You have to scramble and try to get the same amount of work done with fewer hands, and you run the risk of losing customers if you miss deadlines or let your product/service quality slip. And it’s a drain on your time to find and screen potential replacements, and a new person needs to be trained. So there are real risks and costs associated with losing staff. Yes, the author advocates paying enough to avoid attrition, but his attitude is employees come, employees go, rather than employees are the guts of his enterprise.


My experience over and over again is that hiring better people pays for itself, and once you get them, it’s worth it to pay more to keep them. In some industries, the output gap between “high” and “normal” can be very wide; in software development, top programmers are estimated to be ten times more productive. If you’ve ever had the good fortune to hire a superb secretary, you’ll similarly know that supposedly low level staff can be hugely efficient and critical working oars in larger teams. And there are other ways to pay people besides hard cash, for those that are strained. One firm I know was very tolerant of staff maintaining weird hours as long as they kept in touch with the mother ship and got their work done on time; it attracted people of a Bohemian temperament who in return for an interesting combination of indulgence of their quirks but insistence of high standards on client work, got considerable bang for its limited buck.


I’d be curious to get reader input, but I have a sneaking suspicion that most companies that made the transition from startup to long lived ventures didn’t get there by setting wages as just above the level where employees would actively shop there resumes. Running a small business is hard, and cash-strapped employers often have to make difficult compromises, but I am bothered by the fact that this piece sets standards so low. An employer not have the luxury of treating his employees as well as he would like to, or as his workers might deserve, but if he fails to set this as an aspiration, it is guaranteed not to happen.



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Tuesday, February 15, 2011

How to Making Money


Why The Arguments That The Huffington Post Must Pay Bloggers Is Misguided: Payment Isn't Just Money

from the you-made-the-choice dept

We didn't mention the whole AOL buying Huffington Post story earlier this week, because there just didn't seem to be that much to say about it. It was an interesting deal, to be sure, and I'll be curious to watch what AOL does with the property, but, beyond that, it seemed like just another content acquisition deal. However, almost immediately after the deal went through, I started seeing some rumblings on Twitter, picking at the scab that has always annoyed a certain group of people about The Huffington Post: that it doesn't pay most of its writers. Sure enough, it didn't take long for this issue to start to spread, with the inevitable summary line of: "Hey, HuffPo became famous because all these people worked for free, and yet, they don't get a cut of the sale."



That story is now snowballing. Dan Gilmor wrote a blog post arguing that it was the "ethical" thing to do to start paying bloggers. Douglas Ruskoff said that he'd no longer blog on the site for free. And, of course, a bunch of cranky HuffPo contributors have created a whole campaign arguing that Arianna Huffington had no right to sell the site, since it was built off of their free labor.



They're all wrong.



Of course, we've been through this before. Five years ago, Nick Carr tried to argue that all the various big Web 2.0 sites like (at the time) Digg, YouTube and MySpace were really digital sharecroppers exploiting labor. As we argued at the time, this was hogwash. People were using those sites because they provided a valuable service. The reason they provided labor was because they got something of value in return -- whether it was attention or hosting or distribution or reputation.



Three years ago, we saw an almost identical controversy after AOL bought Bebo and musician Billy Bragg demanded some of the $850 million AOL paid (in retrospect, a massively bad decision). Bragg argued that Bebo made this money based on all of the "free labor" of musicians who used the site. But that ignored the fact that those musicians got tremendous value in using the Bebo platform to connect with fans and distribute their music... all for free. The folks who got to keep the money were the ones who took the actual risk. The ones who had to cover the expenses to keep the site and the service running, even when it wasn't making enough revenue. They took the risk, they should get the reward. The people who used the site did so of their own free will knowing quite well that the benefit they got from using the service was worth it to them at the time. Along those lines, if Bebo had struggled and faced bankruptcy instead of a massive buyout, would Bragg have felt obligated to give them money to keep it going? Similarly, if HuffPo had been running out of money, and Arianna had gone back and demanded that those who used the platform pay up retroactively, how would these people have reacted?



There are more ways to "get paid" than with money.



The reason that people chose to blog for free at the Huffington Post was because it's a fantastic platform for exposure. It brings traffic like no one else out there, and if you want to present something in a way that's likely to get more attention than on your own blog that no one visits, posting at HuffPo can be quite a good way to go.



And that's the point: the people who chose -- of their own free will -- to post at the Huffington Post for free did so because they clearly got value out of doing so. Otherwise, why would they have done so in the first place? To then say that the only proper thing is to pay them is completely missing the point. It's an attempt to retroactively go back and change the terms of a deal. If you wanted to get paid directly for what you write, fine, don't write for the Huffington Post. It's that simple. Go out and pitch your stories to publishers who pay freelancers. But don't go back and complain afterwards when the folks who actually did take the risk of putting together the site, financing it, organizing it, hiring the staff, buying the servers, paying for the bandwidth, and building it up so that it was such a successful platform, then get paid for their efforts.



69 Comments | Leave a Comment..


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The foreign correspondent was the victim of a "brutal and sustained" attack.

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David Siteman Garland inspired this roundup (Thanks, David!) with a post on 35 visionary women entrepreneurs that just happened to include the founder of Small.

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The foreign correspondent was the victim of a "brutal and sustained" attack.

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David Siteman Garland inspired this roundup (Thanks, David!) with a post on 35 visionary women entrepreneurs that just happened to include the founder of Small.

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The foreign correspondent was the victim of a "brutal and sustained" attack.

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CBS <b>News</b>&#39; Lara Logan Sexually Assaulted in Egypt - Celebrity <b>News</b> <b>...</b>

The foreign correspondent was the victim of a "brutal and sustained" attack.

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David Siteman Garland inspired this roundup (Thanks, David!) with a post on 35 visionary women entrepreneurs that just happened to include the founder of Small.

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Valentine's Day is here. Talk about a recognizable brand! But what can this day of love teach you about improving your business by building better customer.


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CBS <b>News</b>&#39; Lara Logan Sexually Assaulted in Egypt - Celebrity <b>News</b> <b>...</b>

The foreign correspondent was the victim of a "brutal and sustained" attack.

Small Business <b>News</b>: Ladies Make The <b>News</b>

David Siteman Garland inspired this roundup (Thanks, David!) with a post on 35 visionary women entrepreneurs that just happened to include the founder of Small.

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CBS <b>News</b>&#39; Lara Logan Sexually Assaulted in Egypt - Celebrity <b>News</b> <b>...</b>

The foreign correspondent was the victim of a "brutal and sustained" attack.

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David Siteman Garland inspired this roundup (Thanks, David!) with a post on 35 visionary women entrepreneurs that just happened to include the founder of Small.

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Friday, February 11, 2011

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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

autosport.com - F1 <b>News</b>: Kubica vows to return this season

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Oct. 15 '09 Vizcaya Democratic Club by UN1SON


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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Sony to search PS3 hacker&#39;s computer PlayStation 3 <b>News</b> - Page 1 <b>...</b>

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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Sony to search PS3 hacker&#39;s computer PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Sony to search PS3 hacker's computer.


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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

Sony to search PS3 hacker&#39;s computer PlayStation 3 <b>News</b> - Page 1 <b>...</b>

Read our PlayStation 3 news of Sony to search PS3 hacker's computer.


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Oct. 15 '09 Vizcaya Democratic Club by UN1SON


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The <b>News</b> About John Thune Is That There&#39;s No <b>News</b> About John Thune

Last week, it was reported in Politico that Sen. John Thune (R-S.D.) was leaning against running for president. On Thursday, Carl Cameron of Fox News reported that Thune is leaning against running for president.

autosport.com - F1 <b>News</b>: Kubica vows to return this season

Robert Kubica is convinced he will return to the Formula 1 track a better driver once he has recovered for the injuries he picked up in last weekend's rally crash, as he insisted he 'must' get back this year.

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Read our PlayStation 3 news of Sony to search PS3 hacker's computer.


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After having published over one thousand articles on various topics involving the foreclosure crisis from the high point of the market in 2006 until the present, it is clear that the latest scandal involving banks, title agencies, and county government recording offices is nothing new. With all of the fraud and abuses of consumers and the real estate process that have come to light since the Federal Reserve lowered interest rates and encouraged the housing boom, this latest instance of fraud is logical and should have been predictable by almost everyone.

In essence, the robo-signing scandal covers various types of fraud involving possibly fraudulent affidavits, foreclosure paperwork, and mortgage transfer documents. When a homeowner gets behind on their loan and the servicing company decides to foreclose, it is supposed to do a thorough review of the documents to prove it has the legal authority to go ahead with removing the homeowners. It must have proper authorization from the trust that holds the note, and it must verify that the trust actually has legal ownership of the promissory note.

But servicing companies and other banking institutions have apparently not been doing their due diligence, instead automatically signing off on hundreds of thousands of foreclosures with little or no proof that they have any legal right to sue the house or advertise its forced sale. And this is where the real problems begin for homeowners attempting to save their homes from this insidious fraudulent foreclosure process.

From the title agencies processing mortgage transfer documents and recording them with county clerks or recorders offices, to so-called "foreclosure mill" law offices churning out hundreds or thousands of foreclosures every day without any review, there has been little checking that the banks and servicers are doing everything legally. And when the case goes to court, the lawyers for the financial institutions lie to get a foreclosure for their banking clients and earn their fee, while the judges are more inclined to believe a university educated lawyer rather than the homeowners who may or may not be behind and may or may not owe the bank money even if they are behind. But when the courts are backed up with the huge number of foreclosure, a thirty second hearing may be all that property owners are given as their "day in court."

The most amazing part of this whole scandal is that the media is treating it as if it is new and just being discovered. Maybe the media is just discovering it year later, but such foreclosure fraud has been going on since the early 2000s at the latest, and possibly even earlier. Working directly with foreclosure victims in 2004, it became apparent that neither the lawyers nor the banks nor the mortgage servicers really had any idea of why a foreclosure was happening or could produce evidence that the parties foreclosing had a legal right to do so. Homeowners just got caught up in the system, and no amount of begging, pleading, or even paying money could stop the process at times.

The only major revelation in this current robo-signing scandal is that so many processing companies and title agencies were given mass authorization to sign off on mortgage documents as vice presidents of banks, notaries, and other representatives. For signing purposes, these title companies were the big banks, processing tens of thousands of mortgage transactions and transfers every week, and the people doing the paperwork had little or no idea of what a promissory note actually does or stands for. And this is when these workers even had to put their actual signatures on one of the thousands of documents that crossed their desks every day; in some instances they did not even have to do this, as their signatures were automatically electronically added to documents.

But is this robo-signing fraud a huge surprise after the numerous instances of fraud discovered in the process of approving these mortgages in the first place? So many people qualified for huge loans by overstating their incomes, banks overstated the quality of these loans in order to package them into triple-A rated securities, which they then sold around the world and then bet on the ultimate worthlessness of the loans. Courts have discovered lawyers for banks committing egregious errors and fraud when prosecuting foreclosure cases, with paperwork being lost or mixed up.

All of the fraud that has become such a noticeable aspect of the banking and real estate industry is unfortunate, but should be expected to continue. After all, not a single major player in the scandals has gone to jail, and the largest financial institutions have received more money in bailouts from the federal government than they have received fines from regulatory agencies. With no accountability for their crimes and financial rewards of hundreds of billions of dollars for destroying people's lives, who could possibly expect the banks to straighten up and begin imposing any kind of quality control on their lending processes?

Tuesday, February 8, 2011

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

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Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

Small Business <b>News</b>: Marketing Your Online Business Like Arianna <b>...</b>

With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

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With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

Small Business <b>News</b>: Marketing Your Online Business Like Arianna <b>...</b>

With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

Richard Gere is close to nabbing the lead role in 'Arbitrage,' a financial drama about a troubled hedge fund magnate desperate to complete the sale of his.



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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

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With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

Small Business <b>News</b>: Marketing Your Online Business Like Arianna <b>...</b>

With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

Richard Gere is close to nabbing the lead role in 'Arbitrage,' a financial drama about a troubled hedge fund magnate desperate to complete the sale of his.



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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

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With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

Richard Gere is close to nabbing the lead role in 'Arbitrage,' a financial drama about a troubled hedge fund magnate desperate to complete the sale of his.



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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

Small Business <b>News</b>: Marketing Your Online Business Like Arianna <b>...</b>

With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

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Bad <b>news</b>: Centrist group collapses after party is captured by <b>...</b>

In other “centrist Democrats imploding” news, Jane Harman announced today that she's quitting Congress, which almost certainly means she'll be replaced by someone more liberal, and Heath Shuler turned up on Scarborough's show to confirm ...

Small Business <b>News</b>: Marketing Your Online Business Like Arianna <b>...</b>

With the announcement today that online media giant AOL will buy the Huffington Post for $315 million from entrepreneur and founder Arianna Huffington, online.

Nightly <b>News</b>: Richard Gere Is in &#39;Arbitrage&#39;; &#39;The Beaver <b>...</b>

Richard Gere is close to nabbing the lead role in 'Arbitrage,' a financial drama about a troubled hedge fund magnate desperate to complete the sale of his.

Sunday, February 6, 2011

personal finance and budgeting


A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Bankrate predicts what's on the personal financial horizon for 2008 by QuizzleTown


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




A new year often means lofty resolutions, especially when it comes to planning and maintaining a travel budget.



Though there are many personal-finance sites and software out there, this year I'm resolving to use Mint.com's free online tool. You can create plans for saving toward retirement and buying a house, but I'll be primarily using the site for its Travel Goals, which help you set -- and stick to -- realistic travel budgets.



And though the tool obviously doesn't do the hardest part (you still have to save the money), it does track how far or close you are to achieving your Travel Goal.



For example, say you want to go to Hawaii for a week this summer. Once you create a budget by filling in the estimates for airfare, hotel, meals, and other expenses, you can then specify how much you will contribute to that Travel Goal each month.



If you underestimate how much you'd need to save per month, the online tool points out: "Oh no! You aren't saving enough each month to reach your goal on time." The tool then offers you two ways to fix your Travel Goal: increase your monthly contribution in order to reach your desired travel date or postpone your planned date to fit your monthly contribution.



If you stay on track with saving the specified amount each month, Mint.com's budgeting tool highlights (and adjusts) the projected date of when you can afford to take the trip. Save more, and you could afford to take your trip a month or two earlier.



But if you slack on your monthly savings, the date will be pushed back -- a reality check and an instant motivator. Once you mentally equate an unnecessary clothing purchase or an impulse buy to the consequence of delaying your trip by a month, saving becomes a little more real.



Granted, most people will buy plane tickets and reserve hotels with a credit card several months before actually taking the trip; the tool helps track if you'll be able to easily pay it all off after your trip. After all, nothing ruins a vacation more than coming home to bills that you're not financially prepared to handle.



To fund my travels this year, I've linked my Mint.com account to an ING Savings Account labeled Travel Fund.



How do you stay on track with saving up for a vacation?



[flickr image via epSoS.de]




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Bankrate predicts what's on the personal financial horizon for 2008 by QuizzleTown


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Bankrate predicts what's on the personal financial horizon for 2008 by QuizzleTown


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Bankrate predicts what's on the personal financial horizon for 2008 by QuizzleTown


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Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

Repatriation of ailing Filipino woman sought - Arab <b>News</b>

Arab News contacted on Saturday the embassy official concerned with the case but he did not answer the call. “We specifically requested that aside from providing her medical care, the embassy should also arrange her immediate ...

And now for some good <b>news</b> « Legal Planet: Environmental Law and <b>...</b>

The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


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Before you can begin mastering your personal finances, you need to understand what personal finance is all about. First, it's personal - meaning it's about you and it's unique to your situation. Second, it's about finances - meaning it involves money. Personal finance is more than just paying off debt, picking your investments, and buying your first home. Those things alone will not achieve your goals. Personal finance requires you to define your goals and dreams and then to apply the ideas and behaviors required to reach those goals. It's all about managing your money with an end in mind - achieving your goals.

Identify Your Issues

You probably aren't reading this article just for the fun of it. There is a reason you are seeking personal financial advice. Maybe you never seem to have enough money to make it through the month - or week. Perhaps you just need to figure out how to prepare yourself for those unexpected emergencies. Or you could be just fine, but you'd like to polish your financial plan and accomplish goals you never thought possible. Whatever your reason, it's important to begin by identifying the obstacles that lie ahead. Here are some common financial problems:

Repeated Overspending - We have all experienced the temptation to buy more than we can afford at some time or another, but making a habit of overspending will quickly destroy any financial plan. Debts can easily become too much to handle and prevent you from ever reaching your true financial goals.

Emergencies - Your car breaks down, your paycheck comes late, or you forgot about that insurance bill that only comes twice a year. Financial emergencies can wreak havoc on the best laid plans. By not preparing for these emergencies, you are setting yourself up for future failure.

Procrastination - Who hasn't put something off until the last minute? We're all likely to do this sometime or another, especially with long-term goals that don't seem very urgent. But saving for retirement is a lot easier if you start early - even if you're only saving a little bit.

Emotional Decision-making - Financial decisions require prudent forethought and careful execution. By allowing our emotions to take over, we often make terrible financial mistakes. Those get-rich-quick schemes you see in infomercials late at night may seem like a good idea, but they're just another quick way to kiss your hard-earned money goodbye.

Personality Mismatches - Money & finances are one of the top reasons people get divorced. But how do you manage to create a financial plan when you are a saver but your spouse is a spender? By working together to create a solid basis for your personal finances, you and your spouse can utilize all your strengths to ensure financial success.

The Basics

Personal financial planning draws from aspects of finance, investments, insurance, law, employee benefits, and taxes. But you don't have to be an expert in all of these areas to reach your goals. Three basic rules will help you stay on track in your personal finances:

1. Money, income, and wealth are all different. Your financial situation doesn't depend solely on how much money you make - it really depends on how much money you keep. Personal finance focuses on the accumulation, preservation, and distribution of the money you keep - your wealth.

2. Be on your best behavior. All the nifty financial tricks in the world can't save you if you don't learn to control your spending, begin saving, and change your habits to achieve your goals.

3. It's an ongoing process. Managing your money requires more than creating a financial plan and following it for the next 10 years. It requires a lot more than just making sure you paid all your bills for the month. Personal finance demands that you are fully aware at all times of your responsibilities and actions - otherwise all your effort will be for naught.

Income Is Not as Important as You Might Think

If I told you I make $100,000 a year, you'd think that sounds pretty good, right? But what if I'm spending $150,000 every year? Doesn't sound so great now, huh? Income is important - but only to a certain extent. What's more important is what you do with that income and how much you keep at the end of the month. Your financial success depends much more on how you manage your expenses than the money you make on each paycheck.

Another important factor is your net worth. Your net worth is basically your assets (what you own) minus your liabilities (what you owe). Net worth is the real measure of financial wealth. You might live in a $300,000 home, but it doesn't mean much if you owe $270,000 to the bank for your mortgage. Take a minute and think about your net worth. Do you know what it is? Do you have any idea? Keeping track of this number helps you see where you are, where you came from, and where you are going.

What's Your Financial Type?

You may have heard of the Myers-Briggs Typology. To borrow from that system, think about how you would categorize your financial type. Are you aware or oblivious? Can you easily control your spending, or do you have problems? Are you committed to your financial goals, or do you lack follow-through because you haven't established firm goals yet? Are you an aggressive investor, or do you prefer to safely manage your risk by taking a more prudent route?

The answers to these questions can help you determine the make-up of your financial type. These questions can also help you realize the areas where you and your significant other may differ. Take the time to answer these questions honestly, and you'll soon find yourself on the path to a better understanding of your current financial behavior and what you may need to work on.

Your Habits Will Make You or Break You

The financial habits you adhere to will ultimately determine your success or failure. You can make all the plans in the world, but if you don't stick to them you'll never achieve your goals. Begin thinking about your current financial habits and ask yourself how you started those habits. Ask yourself if those are good habits - in that they will lead you to your goals. If you need to change your habits, what should you do instead and how will you make the change? Start today by thinking of a simple change you can make. Stick to that one little change for two weeks or four weeks and you'll soon find you can begin to make bigger changes. Eventually you will have all of your habits aligned with your goals, and you will be on the path to achieving your dreams.

Stay tuned for the rest of this Personal Finance series. We will cover net worth, financial math, budgeting, reducing debt, understanding credit, investing, insurance, taxes, education planning, retirement planning, estate planning, and other important topics along the way. In the meantime, you may visit Free Financial Plannerto get answers to your specific and unique financial questions.


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big seminar 14

Denver Broncos <b>News</b>: Horse Tracks - 2/6/11 - Mile High Report

Horse Tracks -- Your Daily Cup of Orange and Blue Coffee.

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The San Jose Mercury News reports that fish and birds are responding well to restoration of former salt ponds on the edges of San Francisco Bay to more natural tidal marsh. Continued operation of the salt ponds by Cargill Salt, ...


big seminar 14