Small Business Both Obama and Romney say they support small businesses. Here's how their policies will actually affect them. CNNMoney - Sep 19 2012 5:48 AM ET Multiply by 25 and 4 Percent Retirement Rules of Thumb How much money will you need in retirement? Two popular rules of thumb outline the answer. The "Multiply by 25" rule and the "4 Percent" rule are often confused with one another, but they contain a critical difference: one guides how much you should save, while the other estimates how much you can safely withdraw. Multiply By 25 Rule The Multiply by 25 Rule estimates how much money you'll need in retirement by multiplying your desired annual income by 25. For example: If you want to withdraw $40,000 per year from your retirement portfolio, you need $1 million dollars in your retirement portfolio. ($40,000 x 25 equals $1 million).
12 Things Killer Employees Do Before Noon A recent study published in an American Psychological Association journal, Emotion, suggests that early birds are generally happier than night owls. More than 700 respondents, ranging from ages 17 to 79, were surveyed and asked about their emotional state, health, and preferred time of day. Self-professed "morning people" reported feeling happier and healthier than night owls. Researchers hypothesize that one of the reasons could be because society caters to a morning person's schedule. It's certainly true that the working world does. Our Free Online Investment Stock Portfolio Tracking Spreadsheet What is this Stock Portfolio Tracker in a Nutshell? The stock portfolio tracker is a FREE Google Spreadsheet hosted at Google that can do the following: Track your stocks, shares or bonds by transactions You can enter Buy, Sell, Stock Splits, Rights Issues (or Cash Calls), Cash Dividends, Stock Dividends, Gift StocksShow you each of your asset (stocks, bonds) realized returns, unrealized returns, cash dividends receivedAUTOMATICALLY UPDATES STOCK PRICES. If the shares symbol can be found on Yahoo Finance, chances are you don’t have to key in prices yourself. Every time you login to your spreadsheet on your phone, computer or anywhere, that is very up to date prices automatically.Embed your portfolio in your own websiteAccess your portfolio on your iOS, Android phones via Google Docs App
Summary Summarized (with care and dedication) by editor Clare Moss with Laurence Toltz to introduce people to the nine-step program in Your Money or Your Life.It is based on the original book so How this book came about This book is not based on theory, good ideas or a new philosophy. It is the result of 50 years of combined experience (30 years for Joe Dominguez, 20 years for Vicki Robin) in living the principles presented here. This book just didn’t happen, it evolved. Stock Series Dear Jim, Thank you for all the time you have dedicated to this blog and spreading this knowledge! I know it will save me quite a bit of time in my future… I am a very appreciative potential success story from your formula. I am at the very beginning of my journey having only come across your blog in April.
About Ramit I recently got a fascinating email from one of my readers. I had emailed my email list, asking “What’s something you CLAIM is important...but you don’t do?” She wrote back, “I keep saying I want to run 3x/week, but I can never seem to do it.” I replied: “Why not start once a week?” Her response was amazing. “Why would I run once/week? What is Muda? « Eliminate The Muda!Eliminate The Muda! The concept of Muda [mÅÅda] and its elimination is one of the core principles integral to Getting Rich Living Lean. The core principles of a getting rich living lean and its cousin Lean Management have been in existence for decades, mostly in the form of a philosophy of business management and made famous by a book called The Machine That Changed the World by James P.
Portrait of an INTJ As an INTJ, your primary mode of living is focused internally, where you take things in primarily via your intuition. Your secondary mode is external, where you deal with things rationally and logically. INTJs live in the world of ideas and strategic planning. They value intelligence, knowledge, and competence, and typically have high standards in these regards, which they continuously strive to fulfill. To a somewhat lesser extent, they have similar expectations of others. Money, Finance and Fancy: The Carnival of Personal Finance #132, Whimsical Christmas Edition I wasn’t sure what the turnout was going to be for the Carnival of Personal Finance on the Eve of Christmas, but it looks like we’re celebrating as big a party as any you would expect from our financial online community! I enjoyed so many of these articles, and I found that I had to do less filtering than I did the first time I hosted. I also came across many “new faces” (new blogs) on this list and am eager to have you encounter them here.
EVERYBODY'S GRANDCHILDREN Efficient Frontier Edited by William J. Bernstein