<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-3340326</id><updated>2011-11-03T00:42:40.736-07:00</updated><category term='todo'/><category term='strategy'/><category term='reading'/><category term='government'/><category term='...blogs'/><category term='commentary'/><category term='observations'/><category term='planning'/><category term='history'/><category term='follow'/><title type='text'>money...</title><subtitle type='html'>discovering behavioral investing</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>68</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-3340326.post-5885486645942406494</id><published>2010-10-06T06:31:00.000-07:00</published><updated>2010-10-06T06:47:57.128-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>Earnings-yield on S&amp;P 500 at two decade-high</title><summary type='text'>from ibtimes.com
The earnings yield (EY) on the S&amp;P 500 index is now above 7 percent, which is typically the kind of yield an investors would get from an average junk bond.

EY amounted to 7.09 percent for the S&amp;P 500 as of June 30, 2010 -- the highest quarter-end level in two decades.

This either means that stocks are very cheap (relative to bonds) and might make an attractive buy; or that </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/5885486645942406494/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=5885486645942406494&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5885486645942406494'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5885486645942406494'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/10/earnings-yield-on-s-500-at-two-decade.html' title='Earnings-yield on S&amp;P 500 at two decade-high'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-66796790529172116</id><published>2010-04-04T10:07:00.000-07:00</published><updated>2010-04-04T10:07:56.771-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>The Upside of Irrationality</title><summary type='text'>In The Upside of Irrationality article, the Investment Advisor author observes "If we rely too heavily on the expectation that people will act rationally, we can end up making mistakes when we design policies and institutions." This is a very thought-provoking article with many good observations that helped connect the psychology to financial behavior.

But is this the problem? It seems that way </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/66796790529172116/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=66796790529172116&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/66796790529172116'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/66796790529172116'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/04/upside-of-irrationality.html' title='The Upside of Irrationality'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-4135203315051382076</id><published>2010-03-23T13:18:00.000-07:00</published><updated>2010-04-02T16:31:17.761-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>behavioral economics</title><summary type='text'>And where does paternalism end and manipulation begin? Who gets to determine what is the social good of these choices offered? Just asking... :o)

...

The problem isn't the idea of universal health care - pretty much everyone agrees that it is shameful that a country that is willing to spend so much money on lavish lifestyles and military deployment beyond its own borders can still have millions</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/4135203315051382076/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=4135203315051382076&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4135203315051382076'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4135203315051382076'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/03/behavioral-economics.html' title='behavioral economics'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-873684100872792265</id><published>2010-02-13T07:43:00.000-08:00</published><updated>2010-02-13T07:45:45.693-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>Growth is everything</title><summary type='text'>German economic recovery falters
Germany's recovery from recession faltered in the final quarter of 2009, according to preliminary figures released on Friday.
The German economy failed to grow at all in the last three months of the year, with GDP unchanged compared with the previous quarter. This preoccupation with growth is part of the problem. Growth at any cost is leading to many of the other </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/873684100872792265/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=873684100872792265&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/873684100872792265'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/873684100872792265'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/02/growth-is-everything.html' title='Growth is everything'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-6706239474702572425</id><published>2010-01-10T06:24:00.000-08:00</published><updated>2010-01-10T06:25:27.860-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><title type='text'>better than a CD</title><summary type='text'>A learning experience... I had some money to "park" that I don't plan to spend anytime soon. I wanted it to be safe and earn whatever money it could, but still be readily accessible if a need arose.

I put it into a CD in my ING account that is electronically linked to my checking account elsewhere. The rate is not wonderful, but it is FDIC insured. Yield:                         1.75%

Other </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/6706239474702572425/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=6706239474702572425&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6706239474702572425'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6706239474702572425'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/01/better-than-cd.html' title='better than a CD'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-6633645499284220135</id><published>2010-01-09T10:14:00.001-08:00</published><updated>2010-01-09T10:14:42.457-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>no good news</title><summary type='text'>From John Mauldin 2010.01.08
credit card lending dropped $17 billion last month, the largest drop in history. And this was during Christmas!
roughly 8% of the working population is getting some form of unemployment assistance 

the actual, the real [unemployment] benefits paid (Initial, Continuing, and EUC claims) hit another record of 11.268 million 
one in eight children in this country is </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/6633645499284220135/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=6633645499284220135&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6633645499284220135'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6633645499284220135'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2010/01/no-good-news.html' title='no good news'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-116418541704679338</id><published>2009-11-28T17:19:00.000-08:00</published><updated>2009-11-28T17:19:28.257-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><title type='text'>budget categories</title><summary type='text'>percentages of major spending categories from the latest US Bureau of Labor Statistics (2003) Consumer Expenditure Survey.
Total food and drink 14.1%
Housing 32.9%
Apparel and services 4.0%
TotalTransportation 19.1%
Healthcare 5.9%
Entertainment 5.0%
Personal care products and services 1.3%
Reading .3%
Education 1.9%
Tobacco products and smoking supplies .7%
Miscellaneous 1.5%
Cash contributions </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/116418541704679338/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=116418541704679338&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/116418541704679338'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/116418541704679338'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/11/budget-categories.html' title='budget categories'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-9182562229823693157</id><published>2009-10-14T07:14:00.000-07:00</published><updated>2009-10-14T12:36:00.739-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='follow'/><title type='text'>Shorting the US$</title><summary type='text'>Added: PowerShares DB US Dollar Index Bearish (UDN)
The investment seeks to track the price and yield performance, before fees and expenses, of the Deutsche Bank Short US Dollar Futures index. The index is comprised solely of short futures contracts. The futures contract is designed to replicate the performance of being short the US Dollar against the Euro, Japanese Yen, British Pound, Canadian </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/9182562229823693157/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=9182562229823693157&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9182562229823693157'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9182562229823693157'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/10/shorting-us.html' title='Shorting the US$'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-372632562772953875</id><published>2009-10-08T13:30:00.000-07:00</published><updated>2009-10-14T12:21:22.008-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='follow'/><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>financial sector</title><summary type='text'>New activity - tracking what is going on in the financial sector. Big players - Bank of America, Sun Trust (regional), BNS (Cdn) and other ETFs for comparison - gold miners, financial sector index, NASDAQ, S&amp;P, government bonds - short and TIPS, and bear fund.

BAC BK OF AMERICA CP 17.33 ind leadr
BNS BANK OF NOVA SCOTIA 44.86 cdn ind leadr
GDX MKT VECT GOLD MNRS 48.69 gold miners
QQQQ </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/372632562772953875/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=372632562772953875&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/372632562772953875'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/372632562772953875'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/10/financial-sector.html' title='financial sector'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-502829721098147368</id><published>2009-10-06T10:28:00.000-07:00</published><updated>2009-10-06T10:42:11.484-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>week of 5oct09</title><summary type='text'>Reading this week included John Hussman's review of the situation - unemployment, low overtime and temporary work, coming mortgage defaults with the reminder to deal with the present actual information, rather than some every-so-likely future scenario. "How utterly myopic investors can be when there's an uptrend to be played."

Also, to outperform overtime may include some smaller periodic losses</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/502829721098147368/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=502829721098147368&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/502829721098147368'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/502829721098147368'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/10/5oct09.html' title='week of 5oct09'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-9128976600200751501</id><published>2009-10-03T07:24:00.000-07:00</published><updated>2009-10-03T07:34:28.612-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='...blogs'/><title type='text'>blogs</title><summary type='text'>AllFinancialMatters   AthboBill  Luby's Vix and MoreBill  Mc LarenCanadian  Capitalist   Canadian  Financial DIY   Carl  FutiaCash  Money Life   Christopher  CarolanConsumerism  Commentary   FierceFinance   Financial  Highway   Financial  Reality   Finandom   FIRE  Finance   Free  Money Finance   John  HussmanKirk  LindstromMillion  Dollar Journey   Mint.com  Blog   Mises  Economics   Money  Ning</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/9128976600200751501/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=9128976600200751501&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9128976600200751501'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9128976600200751501'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/10/blogs.html' title='blogs'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2565948682384083936</id><published>2009-10-03T06:40:00.000-07:00</published><updated>2009-10-03T07:40:41.668-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><category scheme='http://www.blogger.com/atom/ns#' term='reading'/><title type='text'>Happier and how to get it...</title><summary type='text'>I saw a reference to Credit.com and their personal advice information. The site includes some credit blogs. First up... not what I was expecting but still good advice and made me smile.A review of a review of the book Happier by Tal Ben-Shahar. Lots of really good suggestions here just in the reviews.instead of asking, “Should I be happy now or in the future?” she should ask, “How can I be happy </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2565948682384083936/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2565948682384083936&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2565948682384083936'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2565948682384083936'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/10/happier-and-how-to-do-it.html' title='Happier and how to get it...'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-4822922474138972128</id><published>2009-09-28T07:34:00.000-07:00</published><updated>2009-10-03T07:21:40.499-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><category scheme='http://www.blogger.com/atom/ns#' term='todo'/><title type='text'>other recommended blogs</title><summary type='text'>From Tom Blake...Traders CrossoverTime and Cyclesrequires sign-upTides, Trends, and TradingTerry LaundryTalisman GateSteve Keen’s DebtwatchRichard LehmanKirk LindstromJohn HussmanChristopher CarolanCarl FutiaBill Mc LarenBill Luby's Vix and MoreAthbo.</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/4822922474138972128/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=4822922474138972128&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4822922474138972128'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4822922474138972128'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/09/other-recommended-blogs.html' title='other recommended blogs'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2341726343258250191</id><published>2009-09-28T07:30:00.000-07:00</published><updated>2009-09-28T07:34:07.331-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><category scheme='http://www.blogger.com/atom/ns#' term='government'/><title type='text'>Roth IRA conversion</title><summary type='text'>From Tom Blakes' blog on the subject of Roth IRA conversions...the clearest discussion of taxation and non-taxation of Roth IRAs that I have seen is at the IRS website. http://www.irs.gov/publications/p590/ch02.html#en_US_publink10006523Tom does a great job of explaining the IRA to Roth IRA conversion process..</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2341726343258250191/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2341726343258250191&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2341726343258250191'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2341726343258250191'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/09/roth-ira-conversion.html' title='Roth IRA conversion'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-1090636220938468846</id><published>2009-09-28T06:54:00.000-07:00</published><updated>2009-09-28T07:16:31.531-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><category scheme='http://www.blogger.com/atom/ns#' term='todo'/><title type='text'>times &amp; cycles</title><summary type='text'>In a comment on Tom Blake's blog post... times &amp; cycles and the crystal ball forum (specifically Wollie's world). Can you tell us a bit about that they are about and if one can pick up some good trading ideas?I am doing well with mid-term trading. I'm very happy with the combination of EW, the tidal CITs and Chris Carolan's spiral calendar. ... find some new models - but only if I'm sure to beat </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/1090636220938468846/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=1090636220938468846&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1090636220938468846'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1090636220938468846'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/09/times-cycles.html' title='times &amp; cycles'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-7173427788236860120</id><published>2009-09-25T05:07:00.000-07:00</published><updated>2009-09-28T09:48:46.747-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>Recession barely dents 'eco-debt'</title><summary type='text'>Edit: This is just noise because the amounts are so small in the grand scheme of global commerce, but produces great numbers to "report" to make the author's point (and get the public worked up). SO suggests there are simple explanations that make sense in context - hotel chains buy all their toilet paper for Europe from a single supplier...There are some things that just make no sense. These are</summary><link rel='related' href='http://news.bbc.co.uk/2/hi/science/nature/8273791.stm' title='Recession barely dents &apos;eco-debt&apos;'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/7173427788236860120/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=7173427788236860120&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7173427788236860120'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7173427788236860120'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/09/recession-barely-dents-eco-debt.html' title='Recession barely dents &apos;eco-debt&apos;'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-1690617582453513210</id><published>2009-06-23T07:30:00.000-07:00</published><updated>2009-09-28T07:43:02.128-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='history'/><title type='text'>WPA 2.0</title><summary type='text'>financial reality says...the 1930’s recovery plans, in which the government went out and hired large numbers of the unemployed, and put them to work. On projects that were worthwhile investments in many cases - many of the the WPA projects around the country are still in use today and are an amazing legacy of that era. Employing 8.5 million people, the WPA built, inter alia: 800 airports, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/1690617582453513210/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=1690617582453513210&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1690617582453513210'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1690617582453513210'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/06/wpa-20.html' title='WPA 2.0'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-112909021416065718</id><published>2009-05-17T21:13:00.001-07:00</published><updated>2009-09-28T09:54:28.586-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>indicators revisited</title><summary type='text'>May 17, 2009article in SF Chron about +$1 million houses on market for long periods (14 months inventory), short sales and foreclosures in high-end real estate - "a buyers' agent's market", houses under $500K selling well (2 months inventory)many of the shops in downtown Tiburon are vacant - former high-end women's clothing, antiques and home decorating itemsguy telling hair stylist that he </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/112909021416065718/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=112909021416065718&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/112909021416065718'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/112909021416065718'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/05/indicators-revisited.html' title='indicators revisited'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-3973078097755970053</id><published>2009-05-05T13:52:00.000-07:00</published><updated>2009-09-28T09:55:02.609-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>Watch this</title><summary type='text'>Perhaps we will muddle through, but here are somethings that I plan to keep an eye on...houses for sale, time on market, empty houses not on market - shadow market, as described by a local realtor - held back so market isn't flooded and prices stay going out of business - doggie daycare, specialized personal servicesadult children and their kids, moving in with Mom and Dadtariffs, currency </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/3973078097755970053/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=3973078097755970053&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3973078097755970053'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3973078097755970053'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/05/watch-this.html' title='Watch this'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2636748331076053162</id><published>2009-04-22T11:17:00.000-07:00</published><updated>2009-09-28T09:55:26.664-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>not your usual financial crisis</title><summary type='text'>I was listening to NPR's Fresh Air host Terry Gross interview Elizabeth Warren. They talked at length about the bailouts, Warren's committee to review TARP disbursements, and the coming round of $2 trillion or so in bailouts for which there is no oversight plan.Terry asked her about credit card debit. Elizabeth reminded listeners that these were very unusual economic times, unlike any other when </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2636748331076053162/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2636748331076053162&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2636748331076053162'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2636748331076053162'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/not-your-usual-financial-crisis.html' title='not your usual financial crisis'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-5081089421226275003</id><published>2009-04-15T12:24:00.000-07:00</published><updated>2009-09-28T07:41:25.943-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><title type='text'>yapp</title><summary type='text'>Yet Another Paper Portfolio (YAPP)This should be easy - all ETFs but pretty diverse. Assumes that gold, gold miners, silver and agriculture will be fine, especially if there is inflation in the next few years. Canadian currency is based on a commodity economy and the government is generally honest. The Chinese are likely to be the long-term winners when most or all of the current economic mess in</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/5081089421226275003/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=5081089421226275003&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5081089421226275003'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5081089421226275003'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/yapp.html' title='yapp'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2546865653451423315</id><published>2009-04-14T15:53:00.000-07:00</published><updated>2009-09-28T09:52:01.683-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='observations'/><title type='text'>learning delayed gratification</title><summary type='text'>Is there a link between the skills associated with accepting delayed gratification and basic money management?I have been reading some personal money management education and advice sites. All seem to suggest that this isn't very hard. You just have to realize that you need to set aside money for the future and just do it. Yes, there are suggestions like once you pay off the car loan, put the car</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2546865653451423315/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2546865653451423315&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2546865653451423315'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2546865653451423315'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/learning-delayed-gratification.html' title='learning delayed gratification'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-5094609559963047403</id><published>2009-04-07T12:16:00.000-07:00</published><updated>2009-09-28T09:56:11.014-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='reading'/><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>2009 april reading</title><summary type='text'>Generation Finance talks about lessons in a market bust including the importance of liquidity matching - nice termAs an exit strategy in a volatile market, The Dividend Guy's advice "Sell only when you need the cash. My suggestion is to never sell, but if you have to then do so only when you actually need to." Same as "buy and hold" but answers "until when?" Also suggests that returns over the </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/5094609559963047403/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=5094609559963047403&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5094609559963047403'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5094609559963047403'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/2009april-blog-posts.html' title='2009 april reading'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-6068585238236188631</id><published>2009-04-06T07:05:00.000-07:00</published><updated>2009-09-28T07:47:32.181-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>bonds and income</title><summary type='text'>We were talking about having a cashflow without having a job. Real estate, pyramid schemes, stock dividends and bonds are the usual topics for consideration.There has been plenty of talk recently about how the government is going out of its way to protect the bondholders of the failing financials. It is high time I learned more about bonds. John Hussman's piece today addresses the current mess </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/6068585238236188631/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=6068585238236188631&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6068585238236188631'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6068585238236188631'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/bonds-and-income.html' title='bonds and income'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-4640745227090076061</id><published>2009-04-03T06:59:00.000-07:00</published><updated>2009-09-28T09:56:31.012-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='reading'/><title type='text'>other people's blogs</title><summary type='text'>I have been looking for additional blogs to read. Lots of people are searching for financial "friends" - others who are writing about their interest in personal finance. It doesn't cost much to set up a blog, and with Google ads, some folks are looking to make money. So there are lots of blogs out there.Here are today's findsBest of the Web (BOTW) Blog Directory:  Home:  Personal_Finance:lists </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/4640745227090076061/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=4640745227090076061&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4640745227090076061'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4640745227090076061'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/04/other-peoples-blogs.html' title='other people&apos;s blogs'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-806512723760187699</id><published>2009-03-26T06:26:00.000-07:00</published><updated>2009-03-26T07:31:26.952-07:00</updated><title type='text'>Silver</title><summary type='text'>Thanks for the quote from Robert Kiyosaki's "Increase Your Financial IQ", and the links to the Silver Market series and the SilverSeek article.SO had some thoughts...You would probably need to be quite patient, but if you want to hold precious metals, I think silver is a better choice than gold. Bill Fleckenstein is also an advocate of silver (and in fact is a director of one of the big silver </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/806512723760187699/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=806512723760187699&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/806512723760187699'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/806512723760187699'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/silver_26.html' title='Silver'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2889873743365561026</id><published>2009-03-16T08:38:00.000-07:00</published><updated>2009-04-07T07:09:36.553-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='reading'/><title type='text'>Book List</title><summary type='text'>In searching for best selling financial books, I came across this list linked to another financial blog. Maybe you will find something of interest to you.gchttp://www.savingadvice.com/blog/2008/05/16/102126_books-for-every-level-of-financial-acumen.html</summary><link rel='related' href='http://www.savingadvice.com/blog/2008/05/16/102126_books-for-every-level-of-financial-acumen.html' title='Book List'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2889873743365561026/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2889873743365561026&amp;isPopup=true' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2889873743365561026'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2889873743365561026'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/book-list.html' title='Book List'/><author><name>gc</name><uri>http://www.blogger.com/profile/02899278661436250799</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>2</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-1500734092820503347</id><published>2009-03-13T13:24:00.000-07:00</published><updated>2009-03-13T13:38:06.600-07:00</updated><title type='text'>then what..</title><summary type='text'>I'm probably one of the few people who are optimistic about this economic and financial mess. There has been too much emphasis on getting rich without working for it. What we don't hear about is all the small and not so small businesses that actual make stuff, that innovate and develop new products and amazing technologies and materials. These folks have been relegated to obscurity because they </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/1500734092820503347/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=1500734092820503347&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1500734092820503347'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1500734092820503347'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/then-what.html' title='then what..'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-3206784666925468108</id><published>2009-03-10T07:49:00.000-07:00</published><updated>2009-03-10T08:27:50.093-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>Buckle up</title><summary type='text'>John Hussman always has some interesting commentary in his weekly posting. This week is no exception...Buckle upI suspect that the markets are about to get volatile, possibly to an extent beyond what we observed in October and November. The misguided policy response from Washington has focused almost exclusively on squandering public money and burdening our children with indebtedness in order to </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/3206784666925468108/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=3206784666925468108&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3206784666925468108'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3206784666925468108'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/buckle-up.html' title='Buckle up'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-1501076761816075277</id><published>2009-03-02T07:49:00.000-08:00</published><updated>2009-03-02T08:35:14.407-08:00</updated><title type='text'>caveat emptor</title><summary type='text'>As with any financial advice, one needs to take a critical look at the source. Caveat emptor - "Let the buyer beware"While Robert Kiyosaki's Rich Dad, Poor Dad books have an extensive following, there are criticisms and controversies regarding the information.How bad is this? It depends. If it gets people thinking and talking, it is a big success. The only "danger" may come from stopping here. As</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/1501076761816075277/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=1501076761816075277&amp;isPopup=true' title='2 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1501076761816075277'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/1501076761816075277'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/caveat-emptor.html' title='caveat emptor'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>2</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-8821033691561310367</id><published>2009-03-02T07:07:00.000-08:00</published><updated>2009-03-02T08:05:35.207-08:00</updated><title type='text'>Crossing the Chasm</title><summary type='text'>We were talking about new businesses and opportunities to move to the "cashflow quadrent" as described in the Rich Dad, Poor Dad series by Robert Kiyosaki. Several of the examples included consumer technology services such as internet phone services. That lead to a reference to the "crossing the chasm" phenomenon in technology product and service adoption.from wikipediaIn Crossing the Chasm, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/8821033691561310367/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=8821033691561310367&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8821033691561310367'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8821033691561310367'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/03/crossing-chasm.html' title='Crossing the Chasm'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-477846130359359823</id><published>2009-02-24T04:23:00.000-08:00</published><updated>2009-02-24T04:35:57.474-08:00</updated><title type='text'>conversation overheard</title><summary type='text'>The young lady (guessing late 20s) sitting near us at lunch yesterday was describing her application and subsequent rejection for a job at Bed, Bath and Beyond. She and about 150 other applicants were herded into a large room. After some preliminaries, she and others were "interviewed" - sounded more like looked over (as in casting call) and dismissed.She didn't seem to be too concerned as she </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/477846130359359823/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=477846130359359823&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/477846130359359823'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/477846130359359823'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/conversation-overheard.html' title='conversation overheard'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-6810085503759313955</id><published>2009-02-24T03:50:00.000-08:00</published><updated>2009-02-24T04:12:38.429-08:00</updated><title type='text'>not yet</title><summary type='text'>from John Hussman's February 23, 2009 article The Economy Needs Coordination, Not Money, From the Government . After an interesting commentary about the latest government actions and what they ought to be doing to really straighten out the financial mess, he gets down to his usual practical observations and analysis.stocks are priced to deliver reasonable, though not outstanding probable returns </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/6810085503759313955/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=6810085503759313955&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6810085503759313955'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6810085503759313955'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/not-yet.html' title='not yet'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-5609269483242224421</id><published>2009-02-24T03:39:00.000-08:00</published><updated>2009-02-24T03:44:15.019-08:00</updated><title type='text'>It is what you "know" that's wrong that is the real problem</title><summary type='text'>Pay attention and be prepared to look out for your owninterests - you have no friends in government. There are no obviousanswers or strategies because "they" keep changing the rules. Thiswhole thing is wobbling like a kid's toy top and every effort to fixthe inevitable is only making it worse for longer. Sooner or later,this is all going to fall over and have to be restarted, once the messis </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/5609269483242224421/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=5609269483242224421&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5609269483242224421'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/5609269483242224421'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/it-is-what-you-know-thats-wrong-that-is.html' title='It is what you &quot;know&quot; that&apos;s wrong that is the real problem'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-137868784939945499</id><published>2009-02-23T06:54:00.000-08:00</published><updated>2009-02-23T07:12:01.434-08:00</updated><title type='text'>comparative theory of superpower collapse</title><summary type='text'>Some interesting bits from this comparative theory of superpower collapse. The author is originally from Russia and came to the US when he was 12. So much of this is written in the black humorist style favored and perfected by the Russians. The theory states that the United States and the Soviet Union will have collapsed for the same reasons, namely: a severe and chronic shortfall in the </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/137868784939945499/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=137868784939945499&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/137868784939945499'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/137868784939945499'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/comparative-theory-of-superpower.html' title='comparative theory of superpower collapse'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-8756416513247007723</id><published>2009-02-20T08:08:00.000-08:00</published><updated>2009-02-20T08:36:53.516-08:00</updated><title type='text'>Consumer Price Index - Urban Consumers (CPI-U)</title><summary type='text'>Who knew? All the years I have heard about the CPI - Consumer Price Index. And I never knew that there are actually multiple versions, but the one usually quoted is specifically, the Consumer Price Index for All Urban Consumers (CPI-U): U. S. City Average, by expenditure category and commodity and service group. In other words, we Urbanites rule.Elizabeth Warren is the queen of bringing public </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/8756416513247007723/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=8756416513247007723&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8756416513247007723'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8756416513247007723'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/consumer-price-index-urban-consumers.html' title='Consumer Price Index - Urban Consumers (CPI-U)'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-7223808984716034560</id><published>2009-02-15T14:58:00.000-08:00</published><updated>2009-02-20T05:08:17.447-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='history'/><category scheme='http://www.blogger.com/atom/ns#' term='government'/><title type='text'>third hand</title><summary type='text'>Lynne Kiesling comments on and provides excepts from P.J. O’Rourke’s Adam Smith column which quotes Adam Smith. Good read.“Little else is requisite to carry a state to the highest degree of opulence,” Smith told a learned society in Edinburgh (with what degree of sarcasm we can imagine), “but peace, easy taxes and a tolerable administration of justice.” How then would Adam Smith fix the present </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/7223808984716034560/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=7223808984716034560&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7223808984716034560'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7223808984716034560'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/third-hand.html' title='third hand'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-797339608090528723</id><published>2009-02-15T14:13:00.000-08:00</published><updated>2009-09-28T07:40:51.393-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>you are not alone</title><summary type='text'>Good news and bad news. Family and friends are appalled and frustrated about the greed, arrogance, and amoral behavior that is rampant. I'm not alone.David Einhorn writes about similar concerns.I care that the SEC and other regulators seem to have stopped enforcing laws against corporate malfeasance. I care that company officials can lie with impunity on public conference calls. And I have been </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/797339608090528723/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=797339608090528723&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/797339608090528723'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/797339608090528723'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/you-are-not-alone.html' title='you are not alone'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-8040736010844919761</id><published>2009-02-14T08:10:00.000-08:00</published><updated>2009-02-14T08:17:54.859-08:00</updated><title type='text'>7% returns</title><summary type='text'>In his January 5, 2009 article Portfolio Rebalancing - Don't Ignore Duration, John Hussman provides a good explanation of portfolio strategies with stocks, Treasury bonds and cash.Given the probable long-term returns that stocks and Treasury bonds are priced to deliver, an investor seeking a 7% long-term total return would currently require an allocation of about 60% in stocks and 17% in bonds, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/8040736010844919761/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=8040736010844919761&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8040736010844919761'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8040736010844919761'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/7-returns.html' title='7% returns'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-4472779887589351741</id><published>2009-02-12T18:21:00.000-08:00</published><updated>2009-09-28T09:56:53.205-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='reading'/><title type='text'>Women bloggers</title><summary type='text'>There are many places to look to find other bloggers. It would be nice to find some wonen bloggers who write about personal finance.* Blogher - all the blogs in the searchable directory are written by women.Have you accessed any of these? See any that you think are worth following?.</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/4472779887589351741/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=4472779887589351741&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4472779887589351741'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4472779887589351741'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/women-bloggers.html' title='Women bloggers'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-4648775823593363577</id><published>2009-02-11T03:04:00.000-08:00</published><updated>2009-02-11T03:14:06.504-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='commentary'/><title type='text'>Keynes, Upside Down</title><summary type='text'>Keynes, Upside DownCommentary by Richard BensonFebruary 09, 2009  Every time I pick up a copy of the prestigious financial press, I can't help but read articles pushing Keynes theories. Writers point or wag a finger at the lack of liquidity and the fact that America is in a Keynesian-feared “Liquidity Trap.” Indeed, almost every night, the talking heads on TV recite old quotes from textbooks </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/4648775823593363577/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=4648775823593363577&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4648775823593363577'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/4648775823593363577'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/keynes-upside-down.html' title='Keynes, Upside Down'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-7639323763526063380</id><published>2009-02-11T02:49:00.000-08:00</published><updated>2009-09-28T09:53:47.904-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><title type='text'>from Financial Reality</title><summary type='text'>I’m a very conservative person and I don’t want a second job managing my money. I’d like to put my money someplace safe, like bonds and just leave it there. Is there any problem with that?Yes, there is a problem with hoping money will grow on trees. Where ever your money is now, it is likely earning more money for someone else than it is for you! To make your money work for you, you need to take </summary><link rel='related' href='http://alamedalearning.com/reality/about/faqs/' title='from Financial Reality'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/7639323763526063380/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=7639323763526063380&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7639323763526063380'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7639323763526063380'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/from-financial-reality.html' title='from Financial Reality'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-8687866407314883094</id><published>2009-02-10T02:55:00.000-08:00</published><updated>2009-02-10T05:03:10.053-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><title type='text'>how long is this going to take?</title><summary type='text'>How long do I need to spend working on this financial stuff? Well, it depends...Everyone is different - different needs, different expectations, different interests, different urgency...Spending some time every day probably works best for me. I like to subscribe to a couple of information sources - blogs, newsletters, publications that send out emails. I check my email several times a day. When </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/8687866407314883094/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=8687866407314883094&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8687866407314883094'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/8687866407314883094'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/how-long-is-this-going-to-take.html' title='how long is this going to take?'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-7671235836937231472</id><published>2009-02-09T07:34:00.001-08:00</published><updated>2009-02-10T05:13:09.549-08:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><title type='text'>planning financial literacy education</title><summary type='text'>I thought there were some good, relevant ideas in the Beginning Your Evolution post on the Rich Dad Education blog.The recommendation for having a plan is an important starting point. As with most things, having some sort of a plan save times and helps get something accomplished. Getting a financial education is important. So here goes...Objective - to gain the knowledge and confidence to take </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/7671235836937231472/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=7671235836937231472&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7671235836937231472'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/7671235836937231472'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/planning-financial-literacy-education.html' title='planning financial literacy education'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-205609432590057321</id><published>2009-02-08T17:26:00.000-08:00</published><updated>2009-09-28T09:49:36.277-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='strategy'/><category scheme='http://www.blogger.com/atom/ns#' term='planning'/><title type='text'>what am I investing for?</title><summary type='text'>In the post What Am I Investing For?, Kim Kiyosaki talks about capital gains and cashflow. There are a couple of points raised.Having a plan before investing is critical. Is this investment made to generate cashflow (income)? Is this investment going to provide satisfactory returns?Another idea - once a dollar has been committed to investing, it isn't to be used for anything else. Specifically, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/205609432590057321/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=205609432590057321&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/205609432590057321'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/205609432590057321'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/what-am-i-investing-for.html' title='what am I investing for?'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-2794001490183016725</id><published>2009-02-08T07:43:00.000-08:00</published><updated>2009-09-28T09:50:38.333-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='todo'/><title type='text'>Need to know</title><summary type='text'>The economy is a mess already, but there are many - Don Coxe, Suze Orman who think it will have to get worse before things can get better. This means that everyone needs to have or acquire basic financial survival skills. Random notes financial literacy - general information, personal wealth management, retirement, taxes, other people     risk and return - risk assessment, conservative income, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/2794001490183016725/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=2794001490183016725&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2794001490183016725'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/2794001490183016725'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/economy-is-mess-already-but-there-are.html' title='Need to know'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-6936799223250712174</id><published>2009-02-08T03:33:00.000-08:00</published><updated>2009-02-10T05:16:59.262-08:00</updated><title type='text'>accepting responsibility</title><summary type='text'>Why are so many people surprised and upset by the downturn in the housing and money markets? Didn't they see it coming? Probably not. How did so many people lose so much money with these ponzi scheme hedge funds?I am astonished by the number of my smart lady friends and their significant others who really don't have a clue when it comes to their money. They all have a guy who takes care of it for</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/6936799223250712174/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=6936799223250712174&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6936799223250712174'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/6936799223250712174'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2009/02/accepting-responsibility.html' title='accepting responsibility'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-3476098491925809124</id><published>2009-02-07T06:10:00.000-08:00</published><updated>2009-09-28T09:51:05.869-07:00</updated><category scheme='http://www.blogger.com/atom/ns#' term='todo'/><title type='text'>about ...</title><summary type='text'>The economy is a mess already, but there are many - Don Coxe, Suze Orman who think it will have to get worse before things can get better. This means that everyone needs to have or acquire basic financial survival skills. There are plenty of money management and personal financial issues that are important and interesting. There are opportunities to learn something new every day. Keeping a record</summary><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3476098491925809124'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/3476098491925809124'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/12/about-me.html' title='about ...'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114427893042329558</id><published>2006-04-05T16:03:00.000-07:00</published><updated>2006-04-05T16:15:30.466-07:00</updated><title type='text'>Survey: Teens Lack Financial Literacy</title><summary type='text'>This morning's San Francisco Chronical featured this article Survey: Teens Lack Financial Literacy. This shouldn't come as any great surprise given the level of financial literacy among adults. The survey's "right" answers speak volumes about conventional wisdom in financial matters. There is an underlying assumption that the current bizarre state of the economy will hold true for these kids and </summary><link rel='related' href='http://sfgate.com/cgi-bin/article.cgi?file=/news/archive/2006/04/05/financial/f142918D21.DTL' title='Survey: Teens Lack Financial Literacy'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114427893042329558/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114427893042329558&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114427893042329558'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114427893042329558'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/04/survey-teens-lack-financial-literacy.html' title='Survey: Teens Lack Financial Literacy'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114390100117552382</id><published>2006-04-01T06:01:00.000-08:00</published><updated>2009-02-08T03:58:47.894-08:00</updated><title type='text'>Placemats, too?</title><summary type='text'>Everyone seems to subscribe to the notion that nothing exceeds like excess, but it is getting right out of hand. I was shopping in Target, looking for new placemats. As always Target had a number of styles and patterns to choose from. Unfortunately, for me anyway, they were all enormous!What is going on here? Why are placemats suddenly being supersized? Target is pretty quick to pick up on the </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114390100117552382/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114390100117552382&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114390100117552382'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114390100117552382'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/04/placemats-too.html' title='Placemats, too?'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114390006162997698</id><published>2006-04-01T05:54:00.000-08:00</published><updated>2006-04-01T06:01:01.640-08:00</updated><title type='text'>Running your personal financial operation</title><summary type='text'>John Brennan, Chairman of Vanguard writes regularly in Chairman's CornerA friend of mine likes to say that, in this era of 401(k) plans, IRAs, and other self-directed investment programs, we've all become "personal financial entrepreneurs." We have revenues and expenses, assets and liabilities. We make budgeting and investing decisions that determine our ability to fund a child's education or </summary><link rel='related' href='https://flagship4.vanguard.com/VGApp/hnw/VanguardViewsArticle?Entry=pershome&amp;ArticleJSP=/freshness/News_and_Views/news_Research_chaircorner1Q06_01132006_ALL.jsp' title='Running your personal financial operation'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114390006162997698/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114390006162997698&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114390006162997698'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114390006162997698'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/04/running-your-personal-financial.html' title='Running your personal financial operation'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114349306501397156</id><published>2006-03-27T12:46:00.000-08:00</published><updated>2006-03-27T13:03:10.346-08:00</updated><title type='text'>Retirement and Baby Boomers</title><summary type='text'>From Stuff Ben Wrote by Ben SteinBut for the youngest members of the party, the option of saving like madmen is still open. Only it’s not an option: it’s mandatory. In index funds, annuities, mutual funds, real estate, bonds–but best, in all of these things at once.Sometimes, a simple actionable item is all it takes to get moving on a big, scary, overwhelming, important task. Thanks, Ben, for </summary><link rel='related' href='http://www.benstein.com/030506bb.html' title='Retirement and Baby Boomers'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114349306501397156/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114349306501397156&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114349306501397156'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114349306501397156'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/retirement-and-baby-boomers.html' title='Retirement and Baby Boomers'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114347400645054246</id><published>2006-03-27T07:35:00.000-08:00</published><updated>2006-03-27T07:47:10.343-08:00</updated><title type='text'>Planning for retirement</title><summary type='text'>In their E-news article Nearing Retirement? Three Ways to Help Finish Strong, Fidelity provides some interesting facts and comments about retirement saving.    Only 6% of all U.S. households with individuals eligible to make catch-up contributions did so in tax year 2004.   "You shouldn't assume that if you've contributed regularly to your employer-sponsored plan, you've taken care of your future</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114347400645054246/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114347400645054246&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114347400645054246'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114347400645054246'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/planning-for-retirement.html' title='Planning for retirement'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114314914623056649</id><published>2006-03-23T13:16:00.000-08:00</published><updated>2006-03-23T13:25:46.590-08:00</updated><title type='text'>Earn 57% more in retirement</title><summary type='text'>Do-it-yourself portfolio management saves big bucksBy Paul B. Farrell, MarketWatch     Mar 27, 2005http://www.marketwatch.com/                     ARROYO GRANDE, Calif. (MarketWatch) -- Congratulations, you're a disciplined investor who is on track to retire with a million-dollar nest egg. And you want the absolute maximum from your hard-earned money.        Here's the big secret to help you </summary><link rel='related' href='http://www.marketwatch.com/News/Story/Story.aspx?guid=%7BA7770269%2D2BAF%2D42C3%2DABEF%2D1B089F76924B%7D&amp;dist=rss&amp;siteid=mktw' title='Earn 57% more in retirement'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114314914623056649/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114314914623056649&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114314914623056649'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114314914623056649'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/earn-57-more-in-retirement.html' title='Earn 57% more in retirement'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114313457474618774</id><published>2006-03-23T09:18:00.000-08:00</published><updated>2006-03-23T10:28:31.123-08:00</updated><title type='text'>Whither the dollar?</title><summary type='text'>from Financial Reality article Whither the dollar? - this needs some explaining:When the Fed stops raising rates, then the dollar will stumble and fall. This will increase domestic inflation significantly (as is usual when the Fed stops raising rates, paradoxically enough).The paradoxWhen the Fed thinks it has inflation under control, it stops raising interest rates. Makes sense, right? Low </summary><link rel='related' href='http://financialreality.blogspot.com/2006/03/whither-dollar.html' title='Whither the dollar?'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114313457474618774/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114313457474618774&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114313457474618774'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114313457474618774'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/whither-dollar.html' title='Whither the dollar?'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114298310787149984</id><published>2006-03-21T15:18:00.000-08:00</published><updated>2006-03-21T15:18:28.256-08:00</updated><title type='text'>The Subprime Squeeze</title><summary type='text'>The Wall Street Journal's James Haggerty wrote an article March 11, 2006 entitled "Millions Are Facing Monthly Squeeze On House Payments." In it, he provides some disturbing data regarding the subprime lending industry, including a graph showing subprime lending originations increasing from $150 billion in 2000 to $650 billion in 2005. Haggerty writes:... about one million households eventually </summary><link rel='related' href='http://www.bankruptcylitigationblog.com/archives/bankruptcy-in-the-news-220-the-subprime-squeeze.html' title='The Subprime Squeeze'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114298310787149984/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114298310787149984&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114298310787149984'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114298310787149984'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/subprime-squeeze.html' title='The Subprime Squeeze'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114298158377385777</id><published>2006-03-21T14:49:00.000-08:00</published><updated>2006-03-21T14:53:04.046-08:00</updated><title type='text'>Credit Card Sharks</title><summary type='text'>Banks, loan sharks - they are all the same these days, you say? Well, actually, you might be better off dealing with a loan shark.From the Washington Post...There's a new law that forces credit card issuers to increase the minimum monthly payments borrowers must make. The good news is that borrowers will pay much less in interest over time. Nevertheless, many consumers might still be better off </summary><link rel='related' href='http://www.washingtonpost.com/wp-dyn/content/article/2006/02/03/AR2006020302606.html' title='Credit Card Sharks'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114298158377385777/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114298158377385777&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114298158377385777'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114298158377385777'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/credit-card-sharks.html' title='Credit Card Sharks'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114295579015611244</id><published>2006-03-21T07:42:00.000-08:00</published><updated>2006-03-21T08:15:33.526-08:00</updated><title type='text'>No Matter the Formula, Keep Credit Score High</title><summary type='text'>Kathy M. Kristof in her article No Matter the Formula, Keep Credit Score High provides good background reading for anyone who ever wondered what your FICO score really says about you.         "The nation's big credit reporting agencies announced last week that they were launching a standardized credit score — with grades from A to F — to make it easier for both lenders and consumers to understand</summary><link rel='related' href='http://www.latimes.com/business/investing/la-fi-perfin19mar19,1,7933610.column?coll=la-utilities-business-money' title='No Matter the Formula, Keep Credit Score High'/><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114295579015611244/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114295579015611244&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114295579015611244'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114295579015611244'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/no-matter-formula-keep-credit-score.html' title='No Matter the Formula, Keep Credit Score High'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287212699061512</id><published>2006-03-20T08:28:00.000-08:00</published><updated>2006-03-20T08:28:47.543-08:00</updated><title type='text'>Why It Pays to Live Within Your Means</title><summary type='text'>&lt;!-- by ..vt --&gt;Like Laura Rowley describes in her article Why It Pays to Live Within Your Means, I inherited some of my parents’ Depression Era caution. And for good reason…  Meanwhile, among women 35 to 55 years old, between one-third and two-thirds will be impoverished by age 70 due to inadequate retirement savings, according to research by the National Endowment for Financial Education and </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287212699061512/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287212699061512&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287212699061512'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287212699061512'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/why-it-pays-to-live-within-your-means.html' title='Why It Pays to Live Within Your Means'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287203018028711</id><published>2006-03-20T08:25:00.000-08:00</published><updated>2006-03-20T08:27:47.183-08:00</updated><title type='text'>It isn’t just you</title><summary type='text'>In his commentary Nuking the Economy: Forget Iran—Americans Should be Hysterical About This, Paul Craig Roberts provides some compelling statistics about the state of the US labor market.  Many willing would-be workers are frustrated and discouraged. They are regularly being told that the economy is fine, so why is it so hard to find a job. Because, there aren’t as many as we have been lead to </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287203018028711/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287203018028711&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287203018028711'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287203018028711'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/it-isnt-just-you.html' title='It isn’t just you'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287192510297933</id><published>2006-03-20T08:24:00.000-08:00</published><updated>2006-03-28T07:14:11.460-08:00</updated><title type='text'>Americans don’t save</title><summary type='text'>Americans don't save. Are you one of the few savers? You could be. Stop spending money on designer drinks at Starbucks for a start. The one near us has longer lines than I can ever remember. All these folks willing to plunk down an hour’s worth of work for a coffee and a pastry mid morning and a blended drink in the afternoon. Amazing!Even scarier - the moms driving up in their urban assault </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287192510297933/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287192510297933&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287192510297933'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287192510297933'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/americans-dont-save.html' title='Americans don’t save'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287180853454463</id><published>2006-03-20T08:23:00.000-08:00</published><updated>2006-03-20T08:23:34.006-08:00</updated><title type='text'>Michael O’Higgins’s investing rules</title><summary type='text'>&lt;!-- by ..vt --&gt;Several smart affluent lady friends say they need help to manage their money - they don’t have time, they don’t have the knowledge (even the one with the MBA) and/or they “trust” their financial advisor. I understand the lack of self confidence for taking full responsibility for your financial affairs, but it just isn’t that difficult or time consuming to do a reasonably good job </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287180853454463/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287180853454463&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287180853454463'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287180853454463'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/michael-ohigginss-investing-rules.html' title='Michael O’Higgins’s investing rules'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287165581028805</id><published>2006-03-20T08:19:00.000-08:00</published><updated>2006-03-20T08:21:04.546-08:00</updated><title type='text'>Taxes - the way it is</title><summary type='text'>&lt;!-- by ..vt --&gt;This item  The Tax System Explained comes around every couple of years. It addresses the tax-cut scenario. The tax increase scenario is similar, but worse for the “rich” and far more likely to happen in the near future.  How much tax will the “rich” bear before they vote with their feet? While California is a nice place to live - great climate, nice people, awful traffic, </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287165581028805/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287165581028805&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287165581028805'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287165581028805'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/taxes-way-it-is.html' title='Taxes - the way it is'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287155390913326</id><published>2006-03-20T08:18:00.000-08:00</published><updated>2006-03-20T08:30:28.900-08:00</updated><title type='text'>Yield curve as a recession predicter</title><summary type='text'>&lt;!-- by ..vt --&gt;There is a pretty good correlation between a flat or inverted yield curve and the occurance of a recession within 1-2 years. Well, we are there - the inverted yield curve, that is.  This excerpt from an FDIC economist’s explanation of what the yield curve does (and doesn’t) tell us is pretty clear. The chart needs some explanation, IMHO… The line goes up as the difference between </summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287155390913326/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287155390913326&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287155390913326'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287155390913326'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/yield-curve-as-recession-predicter.html' title='Yield curve as a recession predicter'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-114287138444477215</id><published>2006-03-20T08:15:00.000-08:00</published><updated>2006-03-20T08:16:24.946-08:00</updated><title type='text'>Real Estate Prices</title><summary type='text'>&lt;!-- by vt --&gt;                 Financial Reality had an excellent piece about Real Estate Prices that discusses the current situation for buyers and sellers in this over-valued housing market. But what does this mean for a Boomer who is a home owner, an investor and worried about financial planning for upcoming retirement. What is the current situation?  Over the past several years there has been</summary><link rel='replies' type='application/atom+xml' href='http://moneymatters.blogspot.com/feeds/114287138444477215/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://www.blogger.com/comment.g?blogID=3340326&amp;postID=114287138444477215&amp;isPopup=true' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287138444477215'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/114287138444477215'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2006/03/real-estate-prices.html' title='Real Estate Prices'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-106743966990260357</id><published>2003-10-29T05:51:00.006-08:00</published><updated>2006-03-20T06:34:55.473-08:00</updated><title type='text'>Financial Literacy</title><summary type='text'>Nobody knows enough about money. One suggestion is to spend 30 minutes every day reading and learning about money, how to manage yours and what other people - government, financial industry, corporations, neighbors, are doing that impact your money. MoneyMatters is here to help.The Money Smart InitiativeThe Federal Deposit Insurance Corporation (FDIC) and the Department of Labor are implementing </summary><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/106743966990260357'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/106743966990260357'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2003/10/financial-literacy.html' title='Financial Literacy'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-9837599</id><published>2002-02-17T21:23:00.000-08:00</published><updated>2006-03-27T14:02:15.486-08:00</updated><title type='text'>Financial Terms</title><summary type='text'>So how would you find out about the accounting treatment of "Goodwill"? How about Google? 992,000 hits. Goodwill Industries, Goodwill Games. Finally, on the second page of search results - Trademarks &amp; Business Goodwill http://www.fplc.edu/tfield/Trademk.htm. But it is primarily about trademarks. Then 5-6 pages of various Goodwill Industry branches.If you want to use Google for searches like this</summary><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9837599'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9837599'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2002/02/financial-terms.html' title='Financial Terms'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author></entry><entry><id>tag:blogger.com,1999:blog-3340326.post-9802842</id><published>2002-02-16T19:06:00.000-08:00</published><updated>2006-03-20T06:39:06.530-08:00</updated><title type='text'>News and Information</title><summary type='text'>We are actively growing our Money Matters knowledgebase. This knowledgebase is an extensive collection of links to web sites that provide educational information about financial subjects. Each link with associated reviews, source, category and date information makes up a knowledgebase entry or story.We are very particular about what we track and share. Not every page we review makes it into the </summary><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9802842'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/3340326/posts/default/9802842'/><link rel='alternate' type='text/html' href='http://moneymatters.blogspot.com/2002/02/news-and-information.html' title='News and Information'/><author><name>...</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='32' src='http://voyager.deanza.fhda.edu/~vtaylor/sailboat2.gif'/></author></entry></feed>
