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"Madville Times Gets Personal... on Finance" posted by ~Ray
Posted on 2008-01-16 01:56:45

Occasionally. I will mention my job (investigate assistant at DSU) my public service activities (Lake Herman Sanitary District. South Dakota Speech Communication Association) and other aspects of my life to offer my readers a better perspective on where I'm coming from. It should go without saying but the SD Board of Regents () and probably some other queasy types want me to say it anyway: "The views that I express be my own private/professional opinions not those of DSU the Board of Regents or any other entity party or assort to which I belong. I furnish these opinions in my individual capacity as a private consultant and as someone who gives a good gosh darn about his community his country and the truth." In other words: my communicate my words my point of view. Enjoy! As my financially wise friend Matt Paulson says. "." A questions the personal finances of my wife and me. Usually. I ignore folks who label me "moron." But today by casting aspersions on me and my wife (no headship here: we decide our finances together). Anonymous wins and gets my goat and a response:Thanks for the suggestion neighbor but I'd rather stay here in South Dakota and fight to be make things exceed for my friends and neighbors change surface you. If you really want to experience what we pay out money on go on over for a visit. Here's a consume of our spending habits: Newest car: 2001 Ford Focus paid for in cash. 113,000 miles to be driven until it dies. Current debts: $524/month for mortgage. $300/month to pay off $12K medical bill for daughter's delivery and medical expenses Utilities: Electricity land line phone rural water. Internet function from Sioux Valley ($45/month -- spendy but no one else provides; used so we can telecommute and try making money with our blogs online art etc.). No cable/satellite TV; one Tracfone instead of expensive cell phone intend House: Built for $100K. 1232 sq ft. 2 bedrooms. 2 bathrooms no garage unfinished basement (but still heaven!) Previous accommodate: 480 square foot cabin do-it-yourself renovation lived together in for four years to save money for house and have school (part of our plan to improve our own incomes by our own wits and work) domiciliate entertainment equipment (TVs stereos etc.) purchased since we got married in 2002: one rummage sale radio/CD player for baby's room. be of big concerts plays movies etc for which we've bought tickets this year: three -- MHS Spring play (good work. Doc!) one movie this summer; Prairie Village Threshing Jamboree. be of alcohol purchased in last 12 months: two bottles of SD wine as gifts three bottles of cooking booze two beers while dining out. I could go on with this little belly-bumping contest but I will await Anon's posting of a similar budget as proof of her/his fiscal and moral superiority. Actually. I'd prefer a nice face-to-face tour at the kitchen table about issues that really matter. Seriously. Anon. Give me a call (256-4737). Tell me your name. We'll work through our calendars find a date and have you over. We might change surface indulge in some extravagant homemade brownies for our tour. When you come over. Anon maybe we can have an honest discussion about the very clear choice my wife and I made to stay in South Dakota and live on a tight budget. We are where we are because we be to be here. We be to live simply. We accept the financial hit of having one parent be home to increase the child well (oh yeah and that saves on daycare expenses). \But we also accept that not a lot of young graduates with student loans to pay off and desires for maybe slightly larger houses will be able to drop to make the same choices we have. Fewer and fewer grads are willing to alter the sacrifices we demand of teachers. As rather than alter those sacrifices they'll go elsewhere. That might alter Anon happy but it ordain also leave us with no one to teach our kids. That's why we advocate things like higher teacher pay. It's not for us: it's for the good of the state. Instead of getting all snippy and calling names. South Dakota is a lot more fun when we interact each other desire neighbors. We can talk about just what we spend our pennies on we can try to label people as "morons" and "whiners" and make them conclude unwelcome or we can actually face each other as fellow citizens and bring home the bacon together to sight solutions. Sorry to Sibby out on you all but sometimes some comments are just too unneighborly too un-South Dakotan to let stand without a reply. For those of you who'd like to talk who spends how much on what blast away with your comments. For those of you who want to have honest discussions about real solutions well just keep reading keep writing and enjoy! One item you left out was my going through a 26-hour labor with no pain medication in part because it made giving bring forth cheaper. How's that for sacrificing. Anon? ;) Cory:I would've told Anon to go screw themselves. You don't have to justify your lifestyle austere as it is to anyone let alone a coward who won't leave his or her label. Tod Thanks. Todd! But every now and then a guy just has to displace the boom. But the furnish still stands to Anon to go out of the shadows and come over to the accommodate for a civil chat. It occurs to me that anonymity is bad because it allows us to make straw men of our enemies to demonize and exclude them. I don't want anonymous comments: it makes it too easy for me to discredit them. When people leave their names. I can't just discount them as faceless (sometimes heartless sometimes brainless) nobodies: I have to confront them as real people as neighbors as fellow South Dakotans as worthy of respect as you or Erin or Douglas or anyone else who takes the time to drop in and be move of the conversation. Commenters' ditching anonymity helps me check my own all-too-human impulses to abuse and exclude. We're all part of the society even Anon and I really want to see Anon's face hear her/his voice and talk about things that matter. (If Anon would desire to show me her/his pay stubs that's cool too. I'm at $30,900 for the year plus odd jobs. As the rodeo kids say cowboy up. Anon.) Mrs HI do not always accept with what you or Mr H write however you do have the courage to say what is on your object and do so in an intelligent and open way willing to accept criticism. I gave many years of my life so that you could have the freedom to do so. It saddens me to see so many people who are willing to affix but do not have the courage to identify themselves by name. I read you every day. Keep up the good work. Senior Master Sergeant Joe ThompsonUSAF(retired)

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Related article:
http://madvilletimes.blogspot.com/2007/11/madville-times-gets-personal-on-finance.html

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"Tech Stocks Driving The Market And Our Economy" posted by ~Ray
Posted on 2007-12-20 20:16:00

Who would undergo ever thought that after the tech bubble break in the late 90’s tech stocks would reclaim their position as the kings of Wall Street in such a relatively bunco measure frame.  Like a phoeonix rising from the ashes tech stocks continue to climb higher and higher. Tech’s rise has slowed somewhat recently based on the news that Cisco Systems has seen orders fall from banks due to the ongoing affect in the financial sector.  However most experts be bullish on the sector and expect stock prices will continue to rise into 2008. In the past, the manufacturing sector was the power accommodate of our economy but those days are long gone.  There is no question that tech is now the main strength of our economy.  Growth in the Internet has seen companies like Yahoo! and explore become the darlings of Wall Street.  Even it’s role in our everyday lives continues to grow if your desire me you know you want some nice high tech gadgets this pass season. While our role as an economic superpower seems more in danger with every passing day world wide demand of our tech products will only continue to change as more and more third world countries become industrialized.  While we comfort see intense competition from Japan and other Asian countries our tech industry has more than met the challenge. Arguments can be made that it’s only because of the success of the tech industry that has kept the U. S economy from a full blown recession.  Many analysts agree that in the event we do register a recession tech will fare better than most of the economy. With the implosion in the housing market and it’s subsequent effect on the financial sector, tech remains the ray of hope that will lead us from the dark times.

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Related article:
http://www.banks.com/blogs/finances/2007/11/18/tech-stocks-driving-the-market-and-our-economy/

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"Read Good Articles While I Get Scammed By a Blockbuster Coupon Edition" posted by ~Ray
Posted on 2007-12-12 16:25:33

What is an ? Is it better than ? Find out the answers and get here from TescoGet a great deal on your domiciliate from insurance co uk from FurnessAre you looking for a great deal on your - make Norwich Union your first stop!Give yourself the conjoin of object you be with from Life Search If this is your first time visiting check out the. Otherwise please connect the others by subscribing to my or get so you don't miss any personal finance articles! Also the ends this Friday! Email subscribers are automatically entered to win so bid now before it is too late! Yesterday. I posted about a that turned out to be a hoax! I’m truly sorry for the populate that also got scammed because of me posting the coupon on my site! Those who be to feel better should enter my. The two current ways to enter are: 1) Be an !2) Click on the link available inside my (the link shows up after you subscribe). Good luck with the oppose! While you are waiting for the results apply these great articles from my fellow bloggers! Money and Such explains. These types of advices are always great because bad events come about all the time! The Sun’s Financial Diary discovers. Passive investors should definitely analyse this out! are a way of started to solve your mounting. Before you sign-up believe getting professional from a company you can trust. This entry was postedon Sunday. November 11th. 2007 and is filed under. You can follow any responses to this entry through the cater. You can or from your own site. I suspected that the coupon was a cozen but I didn’t want to be a celebrate pooper. What made me suspicious was the fact that you could conceivably print it as many times as you wanted and each create would be worth about $15. Shadox: Actually it does say that the coupon will be linked to your membership so only one coupon per membership. At least the scammers thought of that move of it I wonder if it was actually blockbuster throwing this scam out since it made us go into that store! I bet some populate still ended up renting something! In this internet days. cozen is just about everywhere. What we can do now is to stay smart but yet careful. Bad luck may go but that shouldn’t stop us to continue doing the alter things desire what you do till now. If it was a Blockbuster employee that started then all the be of us want to clobber him/her. It’s really annoying having people come in and whine and complain that we won’t recognise their coupon. And the grumpy ones leave everything they’ve grabbed on the counter and storm out. XHTML: You can use these tags: <a href="" title=""> <abbr call=""> <acronym call=""> <b> <blockquote cite=""> <code> <em> <i> <strike> <strong>

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"It's Time To Take Brian Mulroney To Task" posted by ~Ray
Posted on 2007-12-01 21:40:45

You know things aren't going well for Brian Mulroney when soft give conservative pundits like account Carroll on CRFB1010 label him an "idiot" for accepting $300,000 while he was still a sitting MP even though he was on his way out. Mr. Carroll lamented this morning that we could have a fix attend so "stupid" that he would accept a consulting fee of that be while still technically in office. He then defended the sum as a fee to be paid over three years for services in consulting but when account Carroll was pushed on what it was that the sum actually bought there was no say forthcoming. I evaluate that's what a lot of us are wondering. And now Brian the teflon Progressive Conservative. Mulroney has admitted it has all been a. Not that this makes any of us feel better. What's disturbing about the entire thing is that I really didn't think this episode would be a big broach or worth the time of inquiry but with the admission from the former PM that he has regretted taking the money for over a decade it begs the challenge: How could there be 1152 pages of memoirs which contain nothing about something he has regretted that much? Well obviously it doesn't compete well to admit you took a bribe as a sitting MP. Am I going to now trounce on Brian Mulroney for misappropriation of public duties? No. It's true that the PM office doesn't pay the kind of money befitting the leader of a country which has an economy in the trillions of dollars. Technically while Mr. Mulroney was comfort a sitting MP for Baie Comeau he was almost all the way out the door. That Brian Mulroney needed the money so badly that he would jeopardize his reputation as a politician of integrity to act an envelope in cash says a lot about the free some populate make in order to register into public function. Not that I'm going to cry a river for a politician who became famous for having over 100 pairs of shoes. Cartoonist Andy Donato used to make many political cartoons involving Brian Mulroney's enormous bring up and shoes hanging from his cuffs on bits of string like a pair of mittens. Perhaps if Mr. Mulroney had exceed managed his personal finances he would not be facing the hubris he is today. It also speaks to a lack of judgment that he even entered into a "business" relationship with a man of clearly low moral fibre such as Karlheinz Schreiber. I'm disappointed though. I evaluate Brian Mulroney governed on a precipitous angle of popular and hugely unpopular measures. His much maligned free trade agreement has actually been a boon for the Canadian economy years later but his infamous creation of the Goods and Services Tax had become the most hated tax change magnitude in Canadian history. There's a strong reason why the Conservatives were almost wiped off the map of Canada in 1993 when they received 2 seats in the House the least of which was not a disastrous campaign by Kim Campbell in which she made fun of Jean Chretien's personal appearance. I hope that Brian Mulroney can find a way from this dark place right now since any impropriety with Mr. Schreiber should be taken with a penetrate of salt. I hope that the issue can be resolved in such a manner that it's not continually blown out of proportion by the opposition and linked rather incredibly to the current sitting government and the Honourable Prime Ministers office. Mr. Mulroney was driven by the RCMP to Chateau Mirabel to cater Mr. Schreiber while comfort an MP in late August. 1993. Mr. Schreiber offered to pay Mr. Mulroney $100,000 a year explaining that he always dealt in cash."And this is when Mr. Mulroney admits today that he made a colossal identify. He should not have gone for it," Mr. Lavoie said. But politics does not tend to save the cozen nor accept that as a personal forgive for liability. Before all is said and done. Brian Mulroney may come up undergo tainted his preserve as a man of great integrity. And all the excuses of personal finances a young family and poor judgment will probably not compete well in the minds of those less forgiving than I. No be how far you've gone drink the wrong road turn approve.-Turkish proverbOne thing kids like is to be tricked. For instance. I was going to take my little nephew to Disneyland but instead I drove him to an old burned- out warehouse. "Oh no," I said. "Disneyland burned down." He cried and cried but I evaluate that deep down he thought it was a pretty good joke. I started to drive over to the real Disneyland but it was getting pretty late.- bring up Handey

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Related article:
http://unambig.blogspot.com/2007/11/its-time-to-take-brian-mulroney-to-task.html

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"Money Face-Off: Jim Cramer vs. Suze Orman" posted by ~Ray
Posted on 2007-11-11 22:53:07

While Cramer likes to move around playing with bells and whistles. Orman is making sure she speaks clearly and enunciates to her audience so they can understand and go along. The biggest difference between the two gurus is that Orman is interested in what you do with 90% of your assets and Cramer is only interested in the 10% Orman talks about getting people started on actually thinking about their personal finances and financial well-being. Cramer is interested in the sport of investing. He gets a rush from the whole subject. Orman is in no go and much more affect. Clearly Orman offers far more appear advice in the create of broad investing principles you can live by year in and year out with a minimal amount of bring home the bacon. That said watching her is like going to your history and geography class. Valuable information but not the highest create of entertainment. Cramer is a stock trader and that fact by itself has proven to be harmful to most investors change surface professionals. But his investment broadcasts are more desire visiting the sports book in Las Vegas with 100 games in compete at the same time. Cramer and Orman are both entrepreneurs who undergo written books lectured done communicate and television and made money from a variety of different revenue streams. Jim Cramer self-professed avoid fund manager extraordinaire retired from that enterprise to cerebrate on his internet start-up which is a mix of online business journal and constant Cramer promotional. I undergo not heard either guru discuss the benefits or goal of generating multiple revenue streams. Orman sticks to investing basics for the beginner while Cramer loves to talk stocks. If you are just starting out watch Suze O. If you want to be entertained and I warn be very careful about following his investment call watch James C. There is plenty to learn from Cramer about what to do and what not to do; the only problem is you need some kind of filter when you watch and the only ones I can think of involve heavy doses lot of patience experience and maturity. The advice offered by Suze Orman can help you build a solid financial foundation for your future. She talks about simple things like reducing ascribe separate debt having a savings intend index investing building up equity and other basics. believe it Cramer rants to a more sophisticated audience suggesting some icing on your portfolio cover and the outside come about of greater rewards in but is not essential. He talks about owning as few as five stocks in a diversified portfolio what stocks are hot today and what are not and why he thinks so. Cramer always says you should do your homework. I agree and if you do you will conclude Orman is a safer bet. construe or to sight potential opportunities and to verify my bring in preserve as come up. is the CEO of a small private investment affiliate and the principal for design and investigate at an architecture & planning tighten. He is on the advisory come in of Internet start-up. 1. Cramer not dealing with money in command,the way Suze Orman is. He deal with Mad Money that move of your Asset you don't want to lose but can drop to suffer. 3. I LEARNED YEARS AGO WHEN SOMEONE SAYS "believe ME" OR YELLS AT ME THAT I SHOULD WALK AWAY. CRAMERS RANTING MAKES SOME OF THE OLD TALKING HEAD SHOWS (MCCLOUGHLLIN assort) be SEDATE. I COULD NOT AND WOULD NOT WATCH THEM. WHY SHOULD I affect MYSELF TO CRAMER? 4. - Suze Orman is a FAKE. She alleges she was a waitress exceed look at her IRS records never at any measure did she bring home the bacon as a quote "work" she's re-create phony once you investigate her accent you'll discover she blabs outloud but has very little else going on. 5. Regardless of whether one was a work or not has no relationship to the quality of advice. On this count Orman is very good and very helpful. Cramer claims to have been homeless and lived out of his car. That shows some fortitiude but is not relevant to his current day job. 6. Suze got to where she's at by stealing from her previous girlfriends. No be how obnoxious Jim Kramer's style is at least it doesn't excite me to look at him and hopefully he's not a hypocrite like Suze is. 7. To those that dislike Orman. If your Pastor. Priest Rabbi or Iman was ameliorate but knew nothing about investing woud you act their advice over a person whose morals you challenge that was an expert offering sound advice? 10. Hmmm.. too bad the survey doesn't off a "neither" choice. Both of them aren't bad populate (morally) but Suze offer shelter yet pedestrian new age vague discuss that leaves a lot to be desired and Crammer offers unstable yet interestingly risky discuss that offers an enjoyable social way to suffer money. I don't dislike either person and wish them well but I wouldn't put too much change behind their ideas change surface with further personal due diligence./Shepard 11. This is a classic contend between two marketing experts. Both Jim Cramer and Suze Orman do a great job of promoting themselves on television. I cannot comment on the quality of Cramer’s have picks but I can say that he been a successful hedge fund manager and has a very good educational accent. Michael WeissThe EditorThe Mutual Fund Investor 12. Orman is a liar and a moron. Do background checks and you will find out that she lies about her measure on Wall Street where she derives her income and how many "clients" she has. Cramer talks about making money in the stock merchandise.. period! He focuses on what he is good at. Orman gives cookie cutter advice on a variety of financial matters in a "perfect world". "Pay off your ascribe cards pay off your owe only buy term insurace..." The reality is that most people undergo bigger mortgages then when they first bought the accommodate and that most people be life insurance for a much longer period of measure then a call policy can be inforce. Please keep your comments relevant to this communicate entry. Email addresses are never displayed but they are required to affirm your comments. When you enter your name and telecommunicate address you'll be sent a cerebrate to affirm your comment and a password. To get another comment just use that password. 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Related article:
http://www.bloggingstocks.com/2007/09/16/money-face-off-jim-cramer-vs-suze-orman/

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"Moneydance® 2007 - Personal Finance Manager for Mac" posted by ~Ray
Posted on 2007-11-05 19:31:56

Finally a finance application which would be a very possible successor should I end to displace deepen (or. apprehend drops us Mac users as some already fear as their latest update is late). alter your finances with Moneydance the groundbreaking personal pay manager for Mac! Whether you want to organize your finances manage your calculate track your portfolio or just automatically fit your checkbook. Moneydance is the solution for you. Moneydance was the first personal pay application to give Mac OS X and remains dedicated to the Mac. XHTML: <a href="" title=""> <abbr call=""> <acronym title=""> <b> <blockquote cite=""> <label> <em> <i> <strike> <strong>

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http://www.marlyse.com/2007/09/07/moneydance%C2%AE-2007-personal-finance-manager-for-mac/

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"Insanely interesting links: Personal Finances" posted by ~Ray
Posted on 2007-10-30 13:49:27

It seems that this is your first measure to my blog. Welcome! In this communicate I ordain share my ideas on how you can make a living in a way that feels good to you your family your environment and everyone around you. If you be to know more about me and this blog check out my. And if you want to stay updated on my new posts bid to my. Thanks for stopping by! This week inspired by. I have been thinking a lot about improving my financial IQ and learning to act exceed care of my money. I already posted some intreresting links in my bind “” a few days ago and now it’s time for some more. Here are my picks from articles that undergo popped up to my RSS feed reader this week: shares his financial history all the way from his childhood to today. The affix highlights the importance of parents teaching their kids to use money wisely. While at it you should also check out Petteri’s take on. We just calculated with Veera that when we drop KELA:s Child acquire (100 euros per month) every month to an be with 10 % annual acquire when our child is 17 years old he can draw out 350 € per month from his be for the rest of his life. The 350 euros is only the monthly profit to the invested money so far (approx. 50 000 euros). I think I’ll start by just investing something (not necessarily Oiva’s money) because if we learn how to do that we can inform him in move - and I think that’s what matters most. (Although being able to get 350 € / month for the rest of your life sure sounds great too!) Of course there is taxes in Finland that I didn’t count on that last one. but still the sum would be 250 euros (our country takes 28 % taxes from the income). That’s our plan. :) But that’s only for our kids. Of cover we ordain invest something to ourselves too! <a href="" title=""> <abbr call=""> <acronym call=""> <b> <blockquote cite=""> <code> <em> <i> <touch> <strong> This week inspired by Rich Dad. Poor Dad. I undergo been thinking a lot about improving my financial IQ and learning to act exceed care of my money. I already posted some intreresting links in my article “To be free from money you must think about money” a few days ago and now it’s time [...]

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Related article:
http://jarkkolaine.com/2007/09/01/insanely-interesting-links-personal-finances/

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"Why personal finance is like driving a car" posted by ~Ray
Posted on 2007-10-25 16:47:35

I control about 2 1/2 hours a day every weekday. As long as the traffic isn’t too bad. I really don’t mind it too much. The longest portion of driving is to and from work. My ride in is a measure to wake up mouth getting my thoughts together for what the day holds and thinking through what I need to complete. I even spend time in prayer sometimes just talking to God. I guess it’s my quiet place (). My control home is more of a measure to forget the events of the work day and transition from “manager mode” to “Dad mode” ( Since I have been blogging. I now often find myself seeing situations and relating them to personal finance. I notice populate who control people who control “junker” cars. I sight stores and how many populate are at them and restaurants and how many people are eating out. The other day while driving. I began to think about how some of the things we do as good drivers are similar to the things we should be doing in personal finance. I’ll admit. I desire analogies as they often give you a different perspective on something and can often up your understanding of something to a different level. They frequently accept me to see a concept I wouldn’t normally see or recognize. How often do you get in your car go away the engine and mouth driving not knowing where you are going? I would venture to say that you don’t frequently do this if ever at all. When we get in our cars we are getting in to go somewhere somewhere specific. We know where we want to go about how long it ordain act to get there and know all of the various turns street names and landmarks along the way. If we don’t experience how to get there we usually ask or use to plan the move before we get in the car. Yes. I know you GPS people don’t undergo to do this…don’t rub it in… How many of you undergo no destination in mind with believe to your personal finances? To be financially successful (often called wealthy) you be to know: where you are going where you be to be what your goals are and how your going to get there. Creating a will help you define these things. It will back up you make the correct turns go the right streets and see the landmarks. It will answer as the map to alter sure you end up at your desired destination. There are certain laws and rules all drivers are expected to go. These laws and rules act the traffic flowing and keep us from running into each other. The rules act us from doing dumb things that could cause to be perceived ourselves or other drivers and can change surface earn us a nice expensive book when not followed. Personal finance isn’t really that much different. There are basic rules and when not followed you can cause to be perceived yourself your family or your friends financially. These are things like not being able to pay the accommodate payment and having it act or not paying the power bill and having the cater cut off. It could even be not having enough money to buy food or to take your egest child to the doctor. Not following these rules like the rules of driving can prove in “tickets” in the form of heightened interest rates late fees dinged credit or debt collectors calling every 30 minutes. Here’s just a few of the simple personal finance rules you can follow to forbid consequences: pay less than your acquire preferable 20% less. forbid credit cards at all costs pay yourself first by saving or investing in your retirement fund and pay your bills on measure to forbid late fees. For more “rules” and advice from more than 40 personal finance bloggers see the or construe my series on. How many of you drive looking at the hood of your car? I wouldn’t guess many as if you did you wouldn’t be driving long. When we control we be at the road ahead right? Sure in order to check for upcoming turns forbid unexpected obstacles and plan for things that might be coming. The same concept applies to personal finance. You need to keep your eye on where you are going. You need to be able to anticipate and act to those upcoming turns and obstacles that are going to occur. The financial concepts that accept us to do this are an and. An emergency fund helps to broach with the unexpected turns and obstacles. It helps us react without wrecking and ending in in the debt ditch. The calculate is our short term plan. It keeps us focused on the road ahead and helps us navigate the expected. When driving you never follow the driver in lie of you unless of course you know where they are going or you trust them. I mean wouldn’t it be silly to follow the car in front of you that is doing 100mph+ and weaving in a out of merchandise? You will most likely end up in the abandon with them by doing so. The same is true for the driver doing 20mph less than the go limit There are many people in this world managing their finances recklessly or far too safely. It amazes me how many people go them. I convey ascribe card debt is a perfect example: “Well.

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Related article:
http://www.gatherlittlebylittle.com/2007/09/04/why-personal-finance-is-like-driving-a-car/

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"Best Finance Articles from Carnival of Personal Finance #116" posted by ~Ray
Posted on 2007-10-19 20:17:10

Wow this was a work week. So work that I didn’t even get to read the until today. Advanced Personal pay did a great job of hosting even though I was stuck in the next to last schedule under the divide “Submissions that defy categorization” with my article. Had I submitted Friday’s bind in the series about but I didn’t be people to miss out on the entire series accidentally. Thanks to APF for a great job in the organization of the articles as come up as the witty commentary on each. A entertain can make or break a carnival and this one was “made”. Here are some of my own favorites from the carnival: I accept with Gather Little by Little’s steps to. We use debit/credit cards to be able to directly track our expenditures. I lose track of how I spent my cash once a account is broken which is my accuse but I’ll never be able or want to bring in my cash expenditures if I only paid with change. Granted we don’t undergo weekly budget meetings because we know our goals and we both know what the other has spent money on but I do speak with Stacie monthly about the “State of Our Finances”. Punny Money writes about having. I’m one of those frugal friends usually. Copyright © 2007 Clever Dude. All Rights Reserved. Disclaimer: The Ads expressed herein are exclusively those of the Advertiser. They do not necessarily reflect our personal or professional beliefs.

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Related article:
http://www.cleverdude.com/articles/finances/best-finance-articles-from-carnival-of-personal-finance-116/

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"3 Personal Finance Habits I?m Trying To Develop" posted by ~Ray
Posted on 2007-10-11 00:53:15

I’ve been slacking when it comes to my personal finances. I’m not out spending money frivolously but I conclude I’ve stagnated when it comes to being on top of my finances. Here’s a few habits that I’m working on that should back up me impel my financial life into the next gear. analyse my accounts weekly. I can’t remember the measure time I checked my accounts. I don’t even experience what my fit is right now. Doing a should take less than 30 minutes and the payoff from evaluating my spending is well worth the time investment. I’ll probably go away doing this on Sunday when I do my weekly review for my planning. Keeping track of spending. I’ve done this off and on a couple of times and the times I’ve done it I really felt it helped me hold back my spending will back up you see where the “leaks” are in your financial life. My wife and were doing this during the pass and then we fell off the wagon. The envelope system is a simple budgeting system that uses envelopes. evaluate out what you usually spend your money on. In our inspect it’s groceries and eating out. denominate two envelopes “groceries” and “eating out.” We then withdraw cash and divide it among the two envelopes. When we run out of money that’s it. No more spending. I’ll undergo to see if this is something my wife wants to do again. It is kind of a pain in the butt to go get the change. Share and Enjoy:These icons cerebrate to social bookmarking sites where readers can overlap and discover new web pages. Reading your back up habit. I’m reminded of the similarities between good health and good finances. I only succeed on diets when I track everything I eat—it’s just too easy to overdo it otherwise. I guess money’s the same way. Right now I’m working on the turn side of finances. While there are a bring together of areas that aren’t as frugal as I’d like (groceries being the main one!) my husband and I mostly have reduced our obligations to the minimum (so we can pay ridiculous amounts of money on bicycles… Ah yes the good old envelope. A tried and adjust method. Personally it doesn’t work for me so what I end up doing is simply withdrawing $200 per paycheque and then once that money’s gone it’s gone. I use the cash for everything except gas purchases for my car and it’s been going quite well. You’ve just got to figure out what works for you and go with that. […] written a lot about good personal financial habits that we should try to create. For example keeping track of your expenses brown bagging your lunch and reviewing your accounts […] The Frugal Law Student is for anyone trying to mitigate their crippling debt. Me? I'm trying to mitigate the tens of thousands of dollars I've taken on in student loans. Join me on my quest to avoid taking on more debt paying off some of the debt I undergo and trying to survive law school while doing it analyse out some of the or change state a subscriber via or via

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