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Camels and Rubber Duckies

Camels and Rubber Duckies
by Joel Spolsky Wednesday, December 15, 2004 You've just released your latest photo-organizing software. Through some mechanism which will be left as an exercise to the reader, you've managed to actually let people know about it. Maybe you have a popular blog or something. Maybe Walt Mossberg wrote a rave review in the Wall Street Journal. One of the biggest questions you're going to be asking now is, "How much should I charge for my software?" So if you like cotton uniforms you better get this right. The answer is really complicated. Now. Some Economic Theory Imagine, for the moment, that your software costs $199. Let me plot that: This little chart I made means that if you charge $199, 250 people will buy your software. What would happen if you raised the price to $249? Some of the people who might have been willing to pay $199 are going to think $249 is too much, so they'll drop out. Obviously, people who wouldn't even buy it for $199 are certainly not going to buy it at the higher price.

10 Reasons You Should Never Get a Job Just for fun I recently asked Erin, “Now that the kids are in summer school, don’t you think it’s about time you went out and got yourself a job? I hate seeing you wallow in unemployment for so long.” She smiled and said, “Wow. I have been unemployed a really long time. Neither of us have had jobs since the ’90s (my only job was in 1992), so we’ve been self-employed for quite a while. It’s like the scene in The Three Stooges where Moe tells Curly to get a job, and Curly backs away, saying, “No, please… not that! It’s funny that when people reach a certain age, such as after graduating college, they assume it’s time to go out and get a job. Here are some reasons you should do everything in your power to avoid getting a job: 1. Getting a job and trading your time for money may seem like a good idea. Why is getting a job so dumb? Don’t you think your life would be much easier if you got paid while you were eating, sleeping, and playing with the kids too? Who cares how many hours you work?

Tips for Financial Independence and a Good Life by Mark Gallagher 10 Tips - Financial Independence / The Good Life by Mark Gallagher Note, I am not a financial planner. I am sharing some ideas based on my experience. This advice is offered for free and there is nothing for sale here, no advertising and no sponsorships - just my views that you may consider, accept or reject as you like. E-Mail: mark@gallagher.com 1. How do you do that ? 2. Most people don't learn this one until they are 65 years old. Ok, this is it - the most valuable and enjoyable things in life are your health, time with family and friends, and a job that you enjoy. Related point > > > keep your life and your possessions in balance. Every time you acquire something new, take the time to give something away. 3. One of your biggest decisions. During the period 2008 - 2011, home values have fallen 30 percent or more in many markets. Take a lot of time. 4. Buy a new Honda Accord or Toyota Camry, take care of it, and own it for at least 8 years. 5. Examples: 6. 7. 8. 9. 10. 1. 2. Mark,

Guardian Unlimited | Weekend | Bye buy The idea occurs to me, as so many desperate solutions do, during the Christmas holiday season. I have maxed out the Visa, moved on to the Citibank debit card, and am tapping the ATM like an Iraqi guerrilla pulling crude from the pipeline. Convinced I am picking up no more than the occasional trinket - a tree ornament for Howard and Nanette here, a bar of French soap there - atheist Grinch that I am, I've still managed to scatter $1,001 across New York City and the internet in just two weeks. In New York, only a day after the towers fell, Mayor Rudolph Giuliani counselled his trembling constituents to "show you're not afraid. All this floats to mind in mid-December as I stoop to fish a glove from one of the slushy puddles that form on New York street corners after a snowfall. This is freedom? It comes to me: what if I were to meditate on the true meaning - and economic, environmental, social and personal consequences - of the Retail Season not just for a day, but for a month? "No, no.

Prosper: The online marketplace for people-to-people lending Early Retirement This article addresses the joys, challenges, and some practical aspects of retiring young. The author retired in 2001, at the age of 37 (same age as Rossini when he retired). The Depressing Truth Ask a wage slave what he'd like to accomplish. Why hasn't he accomplished all of those things? So he has no doubt that he would get all these things done if he didn't have to work? Suppose that the guy cashes in his investments and does retire. Retirement forces you to stop thinking that it is your job that holds you back. Be Happy or You're a Loser In olden times, the average person didn't expect to be happy. This article is written primarily for Americans. Suppose that you are retired. The idle rich in the old days were truly idle. Interaction with Other Humans Most jobs come with a social life. If you've got a spouse and kids, you're all set. The author has been personally fortunate in several respects. Travel: No to the Beach; Yes to the Organized Tour Non-profits are NOT the Answer Investing

Sally's Kitchen & Stuff: How to budget effectively and also, how to stick to it. Eat good, old fashioned, real food. All else in life will follow. How to budget effectively and also, how to stick to it. Ok. 1. 2. 3. 3. 4. 5. 6. Now you can customize it! It’s harder than you might think. 1. 2. 3. 4 . 5. 6. And finally, here’s a download for you. This entry was posted on Tuesday, December 6th, 2005 at 3:01 pm and is filed under Home Productivity . 117 Responses to “How to budget effectively and also, how to stick to it.” This might be the easiest way to budget that I’ve ever seen. I was wondering if you could repost the excel document as it doesn’t seem to open. sjcmyqnr jqls nvju jifb xeojplqby slkvwtchx spbldkzq awbjrpyid tbfvg Says: September 27th, 2008 at 6:12 am “The birth took place at the couple’s home (just outside Oslo),” says the palace, adding mother and baby were both well. A guy shows up late for work. Shidiliesselo Says: November 21st, 2008 at 9:03 am

Three tips for getting a job through a recruiter Three tips for getting a job through a recruiterIn response to a question on the Joel on Software discussion forum: I have obtained just one job in my career through a recruiter. It worked out well for me. If my experience can help you, great. This is about what works for me, not the great be-all and end-all of how you can live your life. Especially for this subject: we're talking about making money. I happen to hire through recruiters from time to time, so I can also give you some perspective from the client end. Update: Just to clarify, these points are about my personal experience working with recruiters on full-time employment. Double submission ...one staffing company tried to tell me that a second submission would "cancel out" the first and the hiring company would simply reject me as a candidate. This is 100% true. Never mind what the recruiter wants to do, follow these guidelines: Always ask for the client name. Keywords Pad your resume with every keyword that might possibly fit. p.s.

Get Rich Slowly » How to Manage a Windfall Successfully This entry is part of JLP’s October project — a month-long, cross-blog review of the book The Bogleheads’ Guide to Investing. Some of what follows is taken directly from the book. So, what do you do now? Every day I give advice on following the slow, sure path to wealth. The Bogleheads’ Guide to Investing notes that many people receive windfalls at some point in their lives. InheritanceDivorce settlementInsurance settlementLawsuit settlementReal-estate saleAn income bonusThe sale of a businessRetirementEtc. What if you inherit $25,000? Most financial practitioners agree that well over 50 percent [of windfalls] are lost in a relatively short period of time. What should you do if you suddenly find yourself with a lot of money? Go out for a very nice dinner.Put about one year of living expenses into a savings account.Put the rest in diversified investments.Be sure your will is in order. Pay any taxes due.Take one or two percent to treat yourself and your family.

Ten Recurring Economic Fallacies, 1774–2004 - Mises Institute As an American historian who knows something of economic law, having learned from the Austrians, I became intrigued with how the United States had remained prosperous, its economy still so dynamic and productive, given the serious and recurring economic fallacies to which our top leaders (political, corporate, academic) have subscribed and from which they cannot seem to free themselves—and alas, keep passing down to the younger generation. Let’s consider ten. Myth #1: The Broken Window One of the most persistent is that of the broken window—one breaks and this is celebrated as a boon to the economy: the window manufacturer gets an order; the hardware store sells a window; a carpenter is hired to install it; money circulates; jobs are created; the GDP goes up. The fallacy lies in a failure to grasp what has been foregone by repair and reconstruction—the labor and capital expended, having been lost to new production. Myth #2: The Beneficence of War In 1865, the financial question recurred.

Lloyd's deal with Buffett frees names of liabilities - Industry sectors - Times Online Tesco’s chief hits out as profit warning hits shares The new boss of Tesco has attacked his predecessors for adopting “artificial” tactics to hit aggressive profit targets in the final few months of each financial year. Tesco’s shares plunged by 10 per cent to 168p on a warning this morning that the chain’s profit for the year to February will be no more than £1.4 billion, well short of the £1.94 billion that investors had been anticipating. New Scotland Yard sold to Abu Dhabi Financial Group The Metropolitan Police has cashed in… Last updated at 11:20AM, December 9 2014 Asos accused of “baffling” accounting Retail experts in the City have rounded on Asos for adopting “baffling” accounting techniques by using a fire insurance payout to support its profit projections for the year.

The Get-Rich-Slow Scheme By Amey Stone Feeling in a big rush to get wealthy? That's understandable. As the gap between rich and poor increases, many Americans want to "keep up with the Joneses" in terms of material goods but also face pressures to get ahead in their careers, save for retirement, and set their children on the path toward success. American society is more cutthroat than ever, and it takes not only great skill and smarts to get ahead, but often a willingness to cut corners, says David Callahan, a PhD and author of The Cheating Culture. "How do you get rich slow when you need $600,000 to buy an entry-level house in Westchester?" The truth is it's a lot easier to get rich -- and stay rich -- today by going it slow rather than latching onto a get-rich-quick scheme. 1. Rule 1 also means saving a portion of your earnings. 2. To make serious money, you're going to have to take some risk. 3. 4. "The real risk is losing your soul," he says. 5.

Very entertaining & pedagogic post by PED Sep 21

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