Category: Uncategorized

Have You Done a Credit Check on Your Fiancee?

Do You Take advice from Complete Strangers?

I was doing my bit to stimulate the economy today while shopping at Target-just some odds and ends. I’m walking down the bath and body soap aisle, yes, I still believe in using soap when I noticed a woman smelling the body soaps and looking perplexed. I casually said lot’s of choices.

She looked at me and said I’m buying this for my fiancee, most of these are pretty much in your face! I suggested one that I have used in the past and kept for guests to use as well. Then I said:

Well, have you done the obligatory background and credit check-just jokingly. She said no, we’re so compatible but why do you suggest the credit check? I told her I was just being a smart aleck however, if there is one thing that can cause immediate marital problems it’s all about the finances.

I suggested if I were ever to get married again; I would want to know where my second starter wife to be, was financially and more importantly, do we have similar views and practices on money matters. She thanked me, and told me that was one suggestion she was going to take from a total stranger in the aisles of Target! We then went our separate ways…

Would you give similar advice to a complete stranger? Has this issue ever crept up quickly in your relationship?

Sales Jobs Are Where the Big Money Is

Sales jobs are some of the best ways to become financially independent, from my personal observations! In particular, sales jobs that pay a base salary plus commission. My good friend  worked selling yellow page, had full benefits, a salary and commission opportunities. He earned over $250,000 a year and retired early. Granted, he was a very good sales person and worked hard. I mention sales because it truly is a great way to make a lot of money until you go out on your own and become self employed-that is where we mint the most millionaires.

If you have a college degree and advanced degrees you may become a data scientist, one of the hottest jobs around, but be prepared to have a PHD in mathematics-this was way out of my league 😉 I personally have seen more millionaires who were in some form of sales and to that end I’m going to make it easier for you who choose that path.

I have added a new tab to my site called sales jobs. It will take you to a sales job board which is updated daily. There is no cost to you and I have included sales and marketing jobs which are with salary and some that are straight commission-for the brave of heart. Give it a try and please feel free to make any suggestions as to what you might like to see and what you find helpful.

Good hunting and hopefully sales and marketing jobs may enhance your journey to financial freedom!

Happy Easter

Whatever your religious affiliation-or lack of; I look at this day as a day of renewal and a time to restart our good intentions if necessary. Here’s a cool quote from The Secret life of Salvador Dali:

At the age of six I wanted to be a cook. At seven I wanted to be Napoleon. And my ambition has been growing ever since.

How about about-Does your ambition continue to grow?

How Reliable are Those Yelp Reviews?

Amazon, Yelp and similar sites rely on customer reviews to help users with their purchases. A nagging concern of shoppers, however, is how reliable these critiques are. I’m sure, you too, have wondered this-Right?

Bundle,  is a New York City based start-up and has turned to a source it deems more objective: credit card data. Bundle receives data on credit card transactions from Citi, one of its investors. The data is stripped of personal details, but every cardholder is tagged with a unique identifier so spending can be tracked.  Read more »

Hartford Says Goodbye to Annuities

Hartford Financial Services Group Inc.unveiled a radical overhaul of its business in an effort to revive its share price, according to the Wall Street Journal. The hedge fund manager, John Paulson, has been calling for drastic changes at the 200 year old insurer. The biggest surprise-Hartford said it would stop selling variable annuities, the retirement savings product the company had helped revolutionize.

The company put its life insurance arm up for sale to focus on its property and casualty insurance business. I’m mildly surprised because I was under the impression that their insurance sales were profitable.

I do know this, many a financial consultant made lots of money selling those front loaded and expense ridden annuities. Variable annuities were a pretty expensive vehicle for retirement purposes and with the advent of more “no load” variable annuities; Hartford was probably feeling the competition.  I’ve seen spectacular long term returns from variable annuities but they tended to be the exception rather than the rule.

RIP Hartford variable annuities! Have you ever owned a variable annuity-what have been your results?

I Got the Nasty from AT&T

Here’s how my Sunday started out:

ATT Free Msg: Your data usage has reached 3GB this month. Using more than 3GB in future billing cycles will result in reduced speeds. You can use Wi-Fi to help avoid reduced speeds. Visit www.att.com/datainfo or call 866-344-7584 for more info.

What’s ironic about this message is just a few weeks ago I wrote a post called Using Small Claims Court. Come to find out, I have the same plan as the guy I wrote about and the judge said:

Pro-term Judge Russell Nadel found in favor of Spaccarelli in Ventura Superior Court in Simi Valley on Friday, saying it wasn’t fair for the company to purposely slow down his iPhone, when it had sold him an “unlimited data” plan

Who says the little guy can’t get justice? Have you heard of similar experiences?

Budgeting When You’re Broke

Suffering from a lack of cash? It’s likely that you don’t follow a budget that reflects your earnings. I saw this article over at Yahoo Finance and thought it made some good points for folks who aren’t quite where they need to be cash flow wise. Here are the major points:

Avoid Immediate Disasters

Don’t be afraid to request bill extensions or payment plans. My take, it’s much better for you to be proactive and contact your creditors rather than wait for them to call you-your leverage goes down dramatically. Read more »

Dr. Suess

We’re all a little weird and life’s a little weird, and when we find some one who’s weirdness is compatible with ours, we join up with them and fall in mutual weirdness and call it love.

Alex Gery quotes Dr. Suess

PS We just hope that their financial goals are compatible with ours 😉

Domain Names as Money Makers

One of my favorite Rolex WatchesI received an email last month from Justin. He says:

Hey Steve. Good thing i found you. I also received an email on behalf of Rolex for registering the domain name (not disclosed for privacy). I would love to know how it was resolved. I can’t get  a hold of anyone and the attorney that sent it is gone for a while.

Justin found me because of a post I had written back in March of 2006 concerning Domain Name Infringement. I had purchased the domain name Rolex Watch Leasing because of my passion for mechanical watches and I thought there might be a market for leasing Rolex watches….boy, was I naive 😉

Long story short, I got the cease and desist letter from Rolex and since I did not renew the domain name or host the website with the domain name; they did not pursue the matter. Just beware of this little lesson before you go out and waste your money on a great domain name!

 

Cash Flow Strategies for Kids

There is a great post today over at Get Rich Slowly by guest author Natalie Peace. The article is called 5 Unusual Ways to Raise Successful Children! This is a must read for adults and their parents-Enjoy!

 

Dansette