Archive for July 9th, 2008
Posted by: in Your Business
I confess, I’ve been sliding towards Apple for a long time. I purchased an iPod a few years ago, and used iTunes. My old PC/laptop is on its last legs (almost 3 years old), and everyone has been saying “buy a Mac.” I was hesitant until a friend allowed me to try his, and I was hooked!
The ideal things about the Mac:
* No need for stupid, intrusive spyware. The PC-Cillin was nearly worse than the viruses it was supposed to protect me from.
* Easy to hook things up and get started. The MACBook found my printer and got it going easily and swiftly. Same with everything else. Windows always made things such a struggle.
* Everything I need (software, downloads) I have the ability to find for Mac. Like word processing. I use OpenOffice (open source, free stuff) and iWork. I hardly even use iWork!
I feel like I’ve been in a dark cave and just came out into the light. I swear, things just don’t have to be as difficult as Windows makes them. Why did I wait so long?
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Posted by: in Your Business
To continue my interview with Bill Losey, about National Retirement Planning Month:
Q: Bill, you mentioned in our last discussion about emotion in making retirement decisions. I’ve a financial background and I always thought I was making un-emotional decisions, but after reading Retire in a Weekend I realized I was letting emotion rule me. What are your thoughts on that?
A: We humans are emotional beings. Most of our decisions are based on emotion, even when we think we’re being rational. (We kind of think we’re Mr. Spock, but we’re not? Exactly.) That’s the true value of hiring a third celebration objective observer. This person can help you develop a plan and strategy, ask questions like, “Why do you want to do this?†and help you consider goals and priorities. And we make you write it all down, so when you want to do something later, we can say, “Well, you stated your goal was X; how does this new idea fit with that?â€
Decisions we make about money come from our upbringing and family. Here’s a swift example: Many women I talk to who are in their 50’s and are widowed or divorced have “bag lady†syndrome. They have nice portfolios but they’re afraid to take out any money and they deprive themselves, because they are afraid of being “bag ladies.†(I know exactly what you mean, Bill! I have a good friend with whom I have a standing joke about ending up as a “bag lady!) As an advisor, I remove the emotion from the equation and give my clients the approval to do what they want to do or keep them from doing something they really don’t want to do, based on their original plan.
Q: So can baby boomers do their own retirement planning? Does everyone need to pay a financial planner?
A: Sure you can do it yourself.
Here are some tips if you want to do your own retirement planning:
1.Create that written strategy, with goals and specific objectives.
2.Remember the emotional factor, and stick to your plan.
3.Recognize that “I can’t guarantee squat.†Plan for things to change.
4.Recognize that a “set it and forget it†strategy doesn’t work. You’ll need to revisit your portfolio periodically.
5.Read financial magazines and newspapers, but take their recommendations with a grain of salt. The funds they advocate as “best†are often advertisers. And by the time the magazine goes to print, the fund may not be doing as well as it was months and months ago.
When the Internet started booming, people thought it would be the end of the financial planning business. On the contrary, what’s happened is that people are bombarded with so much financial advice that they don’t know what to do or who to believe. This day, financial planners are more in demand than ever. It all comes down to your comfort level with doing it yourself.
If you go to the National Retirement Planning Month website, you can get a free copy of Bill’s book, Retire In a Weekend, and have an chance to win a daily drawing for a lottery ticket…and more!
pic courtesy Bill Losey
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Posted by: in Your Business
I confess, I have been sliding towards Apple for a long time. I bought an iPod a few years ago, and used iTunes. My old PC/laptop is on its last legs (almost 3 years old), and everyone has been saying “buy a Mac.” I was hesitant until a friend granted me to try his, and I was hooked!
The ideal things about the Mac:
* No need for stupid, intrusive spyware. The PC-Cillin was nearly worse than the viruses it was supposed to protect me from.
* Easy to hook things up and get started. The MACBook found my printer and got it going easily and quickly. Same with everything else. Windows always made things such a struggle.
* Everything I need (software, downloads) I have the ability to find for Mac. Like word processing. I use OpenOffice (open source, free stuff) and iWork. I hardly even use iWork!
I feel like I’ve been in a dark cave and just came out into the light. I swear, things just don’t have to be as difficult as Windows makes them. Why did I wait so long?
Share This
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Posted by: in Your Business
To continue my interview with Bill Losey, about National Retirement Planning Month:
Q: Bill, you mentioned in our last discussion about emotion in making retirement decisions. I have a financial background and I always thought I was making un-emotional decisions, but after reading Retire in a Weekend I realized I was letting emotion rule me. What are your thoughts on that?
A: We humans are emotional beings. Most of our decisions are based on emotion, even when we think we are being rational. (We kind of think we’re Mr. Spock, but we’re not? Exactly.) That’s the true value of hiring a third celebration objective observer. This person can help you develop a plan and strategy, ask questions like, “Why do you want to do this?” and help you consider goals and priorities. And we make you write it all down, so when you want to do something later, we can state, “Well, you said your goal was X; how does this new idea fit with that?”
Decisions we make about money come from our upbringing and family. Here is a swift example: Many women I talk to who are in their 50’s and are widowed or divorced have “bag lady” syndrome. They have nice portfolios but they’re afraid to take out any money and they deprive themselves, because they’re afraid of being “bag ladies.” (I know exactly what you mean, Bill! I have a good friend with whom I have a standing joke about ending up as a “bag lady!) As an advisor, I remove the emotion from the equation and give my clients the approval to do what they want to do or keep them from doing something they really don’t want to do, based on their original plan.
Q: So can baby boomers do their own retirement planning? Does everyone need to pay a financial planner?
A: Sure you can do it yourself.
Here are some tips if you want to do your own retirement planning:
1.Create that written strategy, with goals and specific objectives.
2.Remember the emotional factor, and stick to your plan.
3.Recognize that “I can’t guarantee squat.” Plan for things to change.
4.Recognize that a “set it and forget it” strategy doesn’t work. You will need to revisit your portfolio periodically.
5.Read financial magazines and newspapers, but take their suggestions with a grain of salt. The funds they advocate as “best” are often advertisers. And by the time the magazine goes to print, the fund might not be doing as well as it was months and months ago.
When the Internet started booming, people thought it would be the end of the financial planning business. On the contrary, what’s happened is that people are bombarded with so much financial advice that they don’t know what to do or who to believe. Today, financial planners are more in demand than ever. It all comes down to your comfort level with doing it yourself.
If you go to the National Retirement Planning Month website, you can get a free copy of Bill’s book, Retire In a Weekend, and have an chance to win a daily drawing for a lottery ticket…and more!
pic courtesy Bill Losey
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Posted by: in Your Business
Hurricane season is upon us. Storms have ravaged the Midwest. Do you know how to prepare for disaster?The SBA is hosting a disaster preparedness discussion on the internet tomorrow (Thursday, July 10) at 1 p.m. EDT. The internet chat on “Preparing for Disaster - What Every Homeowner, Renter and Business Should Know.” For example:Do you know where your business records are? Are they backed up somewhere safe?Do you have computer files backed up somewhere off premises? How often do you back them up?Would you and your employees know what to do if a weather emergency happened during business hours? What would you do with customers/patients?What will you do to protect your building from a storm?I’m going to be traveling on Thursday, so I won’t be able to participate. Let me know what you think.
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We’ve often discussed Web 2.0 and millenials here at Pimp Your Work, so I thought I’d share this presentation with you. It was made by someone working for IBM, who got her job by using Web 2.0 tools.
Talking of these tools, please don’t forget to answer our latest open-thread question about using social networks in the office. Other readers have already shared their answers with us.
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Stocks tumble on uneasiness about financials - The Associated Press
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Filed under: Estates
While reading my morning guilty-pleasure blog, Celebritology, I encountered a post that referred readers to All Property Management, which recently listed, in its blog section, a number of celebs who own islands, along with a few details about each island. With the way the press hounds celebs, no wonder they want to get away from it all. According to the post, private islands really cost (um, we knew that), with the owner buying the land, supplying their own water and electricity, creating a waste disposal system and building a dock or an airstrip. Also, don’t forget security — if you’re off filming or do-gooding or having twins in France, you can’t leave the island unattended.
Here’s the list of celebs the post cited as island-owners: John Lennon, Marlon Brando, Mel Gibson, Johnny Depp, Nicolas Cage, Tim McGraw and Faith Hill, Gene Hackman, Robin Williams, Tony Curtis, Richard Branson, David Copperfield, Leonardo DiCaprio and Athena Onassis. See the gallery for a few of these retreat spots.
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Callers: Keep Utility’s Counter Open - The Ledger
Lakeland Electric In-Person Utility Payments May End Lakeland Electric Rate Hike Passes Outage Leaves 4,000 In the Dark Utility, Business Argue Over the Value of Ash Substation Fire Causes South Lakeland Power Outage Lakeland Electric Adds Shock to
Cops extort money on highway, arrested - Thaindian.com
Lucknow, July 9 (IANS) Three cops, posted with the Crime Branch of Lucknow police, were arrested late Tuesday night after the public caught them extorting money on the Delhi-Lucknow highway, police stated. Constables Rajesh Singh, Bachha Singh and
Two-year battle with contractor yields charges - St. Petersburg Times
Debbie Rowe, standing in her back yard in St. Petersburg on Tuesday, made payments to a contractor for home additions she states weren’t finished. For more than two years, Debbie Rowe pressed law enforcement to bring fraud charges against the
Voters OK fiscal measures in Arlington - Boston Globe
ARLINGTON, Vt.— Voters in Arlington have approved a pair of ballot articles — one that’ll combine separate town funds into a capital reserve fund, another that OKs $10,000 for cemetery maintenance. Officials say only 95 of the town’s 1,669
GM may try to shed brands, but market is tough - CNN Money
NEW YORK (Associated Press) - General Motors Corp. is reviewing its brands and might try to jettison some to raise money as it burns through cash at an alarming rate. But industry analysts state buyer interest in the brands most apt to be sold _ Buick
Asian money markets summary - Forbes
Copyright Thomson Financial News Limited 2008. All rights reserved. The replicating, republication or redistribution of Thomson Financial News Content, including by framing or similar means, is expressly prohibited without the prior written consent of
Militants in SE Asia rely on donations - experts - Reuters India
MANILA (Reuters) - Islamic militants across Southeast Asia have become increasingly dependent on donations, including zakat (alms), to finance bombings because governments have tightened bank controls, according to security experts. More than 50
Teen Accused of Sex With Child - The Ledger
LAKELAND | A 14-year-old Lakeland boy was arrested Monday after police say he had sex with a 5-year-old boy at New Birth International Ministries day-care center in Lakeland. Jamal Lattimore Wilson was charged with sexual battery. He was taken to the
Driver passes test after 27 years - Western Telegraph
A 62-year-old woman has finally passed her driving test - 27 years after her first lesson. Teresa Clarke, of Wroxham, Norfolk, went through 20 driving instructors, spent £15,000 in fees and had 450 hours of tuition. She also failed 12 tests
SNAPSHOT-Indian stocks, gold, bonds, rupee, money at 11 a.m. - Reuters India
The 2018 bond yield at 9.28 percent, from the previous close of 9.29 percent, as traders expected a sharp drop in global oil prices would ease the pressure on the central bank to tighten monetary policy
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