Have you noticed that the stock market has been making large steps? There have been some days where the up or down total move is less than $30. However, I worry about the $100+ up or down moves in one day. Volatile.
Shaky ground. Uncertainty.
The recession is over per the definition but fear and unemployment remain. A recession is only recognized in the rear view mirror. It is a statement of past performances and not the reality we all see.
Up, down, up down, big moves.
Some say it's the time to get into the market. I'm not fully convinced.
'til later
Sunday, September 26, 2010
Friday, September 17, 2010
Team Family
I have known a few married couples who have maintained separate $. In all cases, both spouses worked earning their own incomes. They handle household expenses from $ contributed to by both.
I have known a few married couples who have failed at keeping $ separately. In those cases, the control of their own $ was more important than meeting mutual goals. Separate goals had precedence.
Bob and I have been married 35 years. In the beginning, he maintained a small checking account to control the flow of his travel expenses and reimbursements. I admit the fact that he did not reconcile this account bothered me. In the end, it became apparent we could handle the in and out flows of business reimbursements without going into debt.
As you can imagine, I maintain the bank accounts and reconcile each monthly. Beyond that, Bob and I have set financial goals together and worked together toward them.
I have not worked full time since 1978. My small W2s help with cash flow but do not contribute in a big way. I am not the quarterback but I am a fullback. We are a team.
'til later
I have known a few married couples who have failed at keeping $ separately. In those cases, the control of their own $ was more important than meeting mutual goals. Separate goals had precedence.
Bob and I have been married 35 years. In the beginning, he maintained a small checking account to control the flow of his travel expenses and reimbursements. I admit the fact that he did not reconcile this account bothered me. In the end, it became apparent we could handle the in and out flows of business reimbursements without going into debt.
As you can imagine, I maintain the bank accounts and reconcile each monthly. Beyond that, Bob and I have set financial goals together and worked together toward them.
I have not worked full time since 1978. My small W2s help with cash flow but do not contribute in a big way. I am not the quarterback but I am a fullback. We are a team.
'til later
Tuesday, September 14, 2010
Numbers Don't Lie
According to the latest statistics released by the Government, 15% (1 in 7) or 45,000,000 of us live in poverty.
In 20 months, Obama has raised that number by over 15%.
Let us look at the communities that have been under Dem rule for years. Have they won the war against poverty? Detroit? New Orleans? Miami? Los Angeles?
In fact, since the war on poverty was declared in the 1960s, the number of people on the "dole" has increased. The number living in poverty has risen.
Is it working?
'til later
In 20 months, Obama has raised that number by over 15%.
Let us look at the communities that have been under Dem rule for years. Have they won the war against poverty? Detroit? New Orleans? Miami? Los Angeles?
In fact, since the war on poverty was declared in the 1960s, the number of people on the "dole" has increased. The number living in poverty has risen.
Is it working?
'til later
Friday, September 10, 2010
Invoice
We receiving two regular invoices in postcard form. One is garbage removal which is issued quarterly. The other is our monthly water/sewage from a small municipality.
Because we receive roughly 80% of these postcards, I have given the disposal company our credit card. We had fallen behind over 6 months when I realized I hadn't seen a bill from them.
The water company has the power to cut us off if we get in arrears. We now pay them several months at a time and watch our credit dwindle close to zero when we send them several more month's. That bill is a flat amount.
I realize postage is saved by these companies but our mail delivery is not reliable.
'til later
Because we receive roughly 80% of these postcards, I have given the disposal company our credit card. We had fallen behind over 6 months when I realized I hadn't seen a bill from them.
The water company has the power to cut us off if we get in arrears. We now pay them several months at a time and watch our credit dwindle close to zero when we send them several more month's. That bill is a flat amount.
I realize postage is saved by these companies but our mail delivery is not reliable.
'til later
Wednesday, September 8, 2010
General Electric
No longer will incandescent light bulbs be made by GE.
It's time to start hording the light bulbs. Soon the only available ones will be those fluorescent ones. You'll need a large one if you do any needlework like I do.
'til later
It's time to start hording the light bulbs. Soon the only available ones will be those fluorescent ones. You'll need a large one if you do any needlework like I do.
'til later
Monday, September 6, 2010
Valuables
Once again I am convinced the most valuable things in my life are my health, my family, and my friends. All else seems to fade away.
Today is Labor Day. Many have plans that include picnics, parades, and travel. We have had our rest and tomorrow will be a normal, back-to-work day. A rest from our labors and a renewal. Mental health and physical restoration will make us strong enough to face the future.
'til later
Today is Labor Day. Many have plans that include picnics, parades, and travel. We have had our rest and tomorrow will be a normal, back-to-work day. A rest from our labors and a renewal. Mental health and physical restoration will make us strong enough to face the future.
'til later
Saturday, September 4, 2010
Earn What?
Stocks have rallied for now. The government has been purchasing its own bonds which is very scary territory. Savings are earning near ZERO. Real estate, although rates are tempting and prices have been dropped, is still quite shaky.
Where to put a little money that's safe but earns something?
I started this blog thing to help others with money problems, money concerns, and to share my life in regards to $. I feel like I've run dry. Have only been sharing my concerns politically and my exasperation in regards to the unknown future with the healthcare bill and the changes in taxes and regulations.
At a time when nearly 11.5% are unemployed in my state, I find myself counting my blessings and wanting to help others. We all want to help and yet many of us are tightening down the hatches as far as spending.
'til later
Where to put a little money that's safe but earns something?
I started this blog thing to help others with money problems, money concerns, and to share my life in regards to $. I feel like I've run dry. Have only been sharing my concerns politically and my exasperation in regards to the unknown future with the healthcare bill and the changes in taxes and regulations.
At a time when nearly 11.5% are unemployed in my state, I find myself counting my blessings and wanting to help others. We all want to help and yet many of us are tightening down the hatches as far as spending.
'til later
Wednesday, September 1, 2010
Can We Learn?
Can we learn by watching?
Over 90% of Cubans work for the government.
Recently the leaders have been lamenting how the workers are lazy and unmotivated.
As the US grows our government and more and more of us work for or are completely dependent upon big G Government, we will see lazy and unmotivated people.
I would go a step further and suggest, as my friend Star Parker does, that the cradle to grave entitlement, the government feeding, educating, healing, and entertaining generation after generation is actually enslaving people.
A land of free people with opportunities should not be enslaving people by providing everything.
It's been said the government has two jobs:
One. Teach a man to fish.
Two. Guard the pond.
Can we please learn from Cuba?
'til later
Over 90% of Cubans work for the government.
Recently the leaders have been lamenting how the workers are lazy and unmotivated.
As the US grows our government and more and more of us work for or are completely dependent upon big G Government, we will see lazy and unmotivated people.
I would go a step further and suggest, as my friend Star Parker does, that the cradle to grave entitlement, the government feeding, educating, healing, and entertaining generation after generation is actually enslaving people.
A land of free people with opportunities should not be enslaving people by providing everything.
It's been said the government has two jobs:
One. Teach a man to fish.
Two. Guard the pond.
Can we please learn from Cuba?
'til later
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