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Why Isn’t your Budget Working?

September 25, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

How to Break the Minimum Credit Card Payment Mindset

September 17, 2009 by Smart Investing · Leave a Comment 

I’ve been spending a bit of time lately discussing credit cards and debt because it’s an important issue for many people. Unlike a lot of bloggers I’m not against credit cards completely. They are a financial tool just like any other. They can be a powerful tool when used correctly, but they can also cause you harm if used incorrectly. The problem is that credit cards are designed for failure by default. The features that are built into a card such as high interest rates and low minimum payments

Why Isn’t your Budget Working?

September 10, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

Why Isn’t your Budget Working?

September 8, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

Why Isn’t your Budget Working?

September 7, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

Why Isn’t your Budget Working?

September 5, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

Why Isn’t your Budget Working?

September 5, 2009 by Smart Investing · Leave a Comment 

Have you created a budget, only to throw it out within a week or two? So many people take the time to start their budgeting — excited to make changes to their life — only to throw them out the window in a few weeks. Every New Years, people promise to change their finances. But as soon as February rolls around, they’ve already fallen off course. Why are their budgets failing? The main causes of budget failure actually start before you even sit down to prepare a budget. By being aware of these

Academic luftmensch takes reality shower

August 27, 2009 by Smart Investing · Leave a Comment 

Posted by Michael O'HareTomorrow is my first day teaching for the fall semester. Not my first by decades, but distinguished for me by a deeply dismaying failure of my company's leadership and of the State of California's political machinery. The second has been discussed exhaustively; we've tied a Gordian knot involving so many threads from so many mistakes that it's very hard to see how any realistic set of actions can undo it: term limits, budgeting by initiative, safe districts, Propositio

Guarantee Your Publishing Success

July 11, 2009 by Smart Investing · Leave a Comment 

Guarantee Your Publishing Success By Patricia Fry Do you want to write the next best-selling novel? Maybe you dream of landing a contract with Random House or selling a million copies of your book. Perhaps you simply want to be widely read. How can you guarantee this kind of publishing success? Let me start by revealing the sure path to failure. It isn’t a matter of holding your mouth wrong while engaged in writing. It has little to do with the distractions in your household or your choice

California’s Education Crisis Made Manifest in Redwood City

June 11, 2009 by Smart Investing · Leave a Comment 

If you want to know exactly what the effects of the California state budget crises in general, and the failure of Measure E specifically , will be for the individual students and families of Redwood City , scroll down. I hope this report might make a few more people less apathetic. At the very least it will crack open the non-hardened heart. The notes below are a compilation of my live twitter feed from last night's Redwood City School District board meeting, the public portion of which l

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