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Monday, February 20, 2006

Nick & Jessica....

Report: 'Newlyweds' Nick Lachey

asking Jessica Simpson for alimony

UPI News Service, 02/18/2006

Nick Lachey filed divorce papers in Los Angeles Friday requesting spousal support from his soon-to-be ex-wife, Jessica Simpson, People magazine reported.

Simpson, who filed for divorce Dec. 16, said in her papers she did not want to pay alimony to her spouse of three years and co-star of MTV's popular reality show, "Newlyweds: Nick & Jessica."

In his papers filed Friday, Lachey cited irreconcilable differences for the split, People said.

In addition to alimony, Lachey asks for jewelry and other personal effects, his earnings and accumulations from and after the date of separation and additional property assets to be determined.

People noted Lachey's papers cite the couple's separation date as Dec. 13 while Simpson's papers say Nov. 23. The date is significant because Simpson earned nearly $1 million during the disputed weeks, which would be evenly split between them per California law.
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*Article taken from RealityWorld.com

Jacked Up Humor

Sad News

With all the sadness and trauma going on in the world at the moment, it is worth reflecting on the death of a very important person, which almost went unnoticed last week.

Larry LaPrise, the man who wrote "The Hokey Pokey," died peacefully at age 93. The most traumatic part for his family was getting him into the coffin. They put his left leg in. And then the trouble started.

Shut up. You know it's funny
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*This post came from a forwarded email from a friend. Couldn't resist sharing. Please use the comments area to share your humor with our readers.

Online Advertising Articles, Tips and Tricks

I will show you some of the Internet's biggest secrets to getting visitors to your website for free!

Most of these secrets are just common-sense, any big-hitter 'gurus' knows how to drive traffic to their website and generate enormous amounts of income every year . If they're a pro they'll be spending hundreds to thousands of dollars every month for marketing their website. All the advertising dollars are reinvested profits so they make sure they know what works and what doesn't.

You'll find many proven ways that can honestly showcase your website to your customers without having to spend any of your hard earned money. If you are a new netmarketer then its tempting to stick to freebie alternatives than risk spending more than you can really afford. Eventually you'll lose the popularity or you'll belly-up your internet business.

Rules to Successful Online Business, You need to diversify that portfolio, as with the stockmarket, marketing means spreading your bets.. That's basically targeting your market success.

Don’t stress if you haven't got the funds for a major advertising google adwords campaign, or other ppc links, we have a range of solutions that can increase your traffic and therefore lead to sales/sign-ups and actual Profit for you. (Traffic = Sales/Sign-ups =Profits ) Read on for our evaluation of the current leading contenders and some guidelines of what to avoid when signing up for free marketing programs.

If you would have say 14 'fires' going with your iron in it and each of those fires would produce only ONE new member for you every 14 days, you would in other words be generating ONE new sales or member every day which would make you a 'top recruiter' or ‘top seller’ straight away.


Method 1

Learn how to trade links with other web sites. You can attract and drive massive amounts of free traffic to you website by reciprocally linking with similar websites. They must be related to the subject of your web site. For example, say a website is promoting Internet Promotion related resources, and you link to their website and you are promoting web design and development you are of similar enough targeted search engine categories then it should improve your Google PR Rating and Alexa popularity status, but say their content is for Auction Ebooks, this will certainly detract from your overall link-popularity. (Tips : download the Google Toolbar and use it to compare PR Ratings with prospective linking partners).

In addition focused trading of links (reciprocal links) can quickly increase your presence in search engine rankings, rising to far higher positions. Everybody knows that Search Engines love website which maintain plenty of inbound and outbound relevant themed links. You can drive a lot of targeted traffic with popular reciprocals to position you at the top of major search engines.

To see the full range of internet marketing options internet marketers need to know, visit our main site clicking HERE or joining our newsletter by adding your email to our mailing list.


Method 2

This is a Simple and Proven way to generate fast free traffic to any website simply by joing one of many free Traffic Exchange services. Some different types of exchanges are start page exchanges, manual surf, and auto surf. (Tips : go to Google and search for Traffic exchange)

Usually, a traffic exchange is a website that uses software to enable members to view each others' websites, ratio's vary from 1:1 to 10:1. You earn credits when you view someone's site, and you spend those credits to have others view your site. Alternatively there is usually an option to purchase the credits you want but beware some can deliver your hits and promote your site slower than other Traffic Exchanges.

The best thing to watch out for is the quality not the amount of traffic you receive for your efforts. AutoSurfs generally provide pretty poor results - especially if its a fast (under 10 seconds per view) exchange, the alternatives are start pages, manual or paid2surf exchanges, promote any of them to get referrals. If you get a big enough downline they will earn you massive hits from your favorite traffic exchanges !


Method 3

Build an Online Community or join an existing community on the internet (go to Google and search for internet business, online forum, work at home bbs, etc) . It might be an online message board, e-mail discussion list or public forum. These people get involved in a community because they are seeking similar netrepreneurs to join forces and discuss.

The best thing about forums is that when you setup your account, you can create a 'signature file' or description 'tag' of your business and a link back to your website or newsletter that is automatically added to the footer of every post you submit. It's practically like having a meeting with someone then leaving your virtual business card.

Being known in forums will not only help build up your reputation as an apporachable and honest, webmaster but it really can be a vital grapevine for all the new ideas and opportunities appearing on the horizon. Don't spam them, a slow burner but a definite longterm method for generating traffic for your website, and don't forget, it's FREE.


Method 4

PR is an effective way to generate free traffic to your website just by Writing Articles. It involves some thinking time on your part but can be very rewarding. The Internet is crying out for constant supplies of original content.

You can get an awful amount of free advertising by including your name and url at the bottom of your article. You could include an albeit brief description of yourself, your email address and website address. You'll get targeted visitors who wish to learn more about your experiences and and expertise and will be very willing to check visit your website.

Try to write regular articles (at least one article per week) and submit them to e-zines, web sites and magazines that accept article submissions.

Use an attractive title. Examples :-
1000 Ways to Build an MLM Empire!
How to Speculate on Market Trends.
Seo Experts tips to Google Ranking.

Remember to Include your resource details at the bottom of the article or all will be for nothing! Always mention a brief description of yourself, your email addy and website address.


Method 5

Publishing newsletters is probably the best way to build a permanent opt-in list to generate constant free traffic to your website. Don't fret if you are not a writer. There are literally millions of articles available under Common Usage License available from the following sources:-

a. Check out from search engines using words
like 'free articles' or 'free content'.
b. From ezine directories that provide articles from writers who want to a link in trade for articles reprinted in your newsletter.

Visitors who subscribe to your free newsletter can receive all your latest tips, tricks and news information targeting your market speciality. We advise you don't use a free third party opt-in provider as they invariably load your newsletter with unrelated and highly distracting links. If you do, make sure its ad free and you have complete control over the content and return address.
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Author Info - Paul Baines is the Chief Editor for Net Hits. The NH directory features a vast array of free and budget targeted traffic from many repuatable sources including search engine optimization gurus, link exchanges, free pr and blog submitters and more! Sign up as a free member and receive over $200 worth of free software!
http://www.nethits.net/
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*Don't forget to post your own links here at ContentCity...content is what we are about!

Wednesday, February 15, 2006

Gbuy - What Every

Every month, it seems, a major company stares down the barrel of Google's brand recognition gun. The company of the month right now happens to be PayPal. The Wall Street Journal published an article on Ebay's Jeff Jordan's preparations for Gbuy, the so called PayPal killer (PayPal is owned by Ebay). Many news sources and blogs are anticipating Gbuy to quickly become a PayPal killer given Google's huge brand name recognition and reach with consumers But the whole PayPal killing talk is really much ado about nothing. I have no doubt whatsoever that Google will release Gbuy, but I do have significant doubts as to whether it will actually replace PayPal as many merchant's payment processor of choice. Given Google's recent releases, and given how PayPal has positioned itself in the marketplace, I would not be surprised of Gbuy proves itself to be a significant flop considering all the attention it has been given.

PayPal's Vulnerability

Jeff Jordan of Ebay has every right to be scared, however. Executives have a history of losing their dignity and control when they feel pressured by Google. Steve Ballmer is well known for his professional wrestling-like tirade in which he sent chairs flying and cursed the name of Google, and Yahoo is not much better having publicly given up its quest for search dominance, which in effect was Yahoo executives crying "Uncle!" with the hope that they could finally focus on something that they could actually excel in.

Professional wrestling rant's aside, Jeff Jordan does have reason to be worried. PayPal, unlike Yahoo and Microsoft, is much more vulnerable to a direct attack from Google. The history of PayPal is filled with trouble with CEO's, run-ins with the mafia, and pressure from an Attorney General. This article, however, is not the place for a lesson on the history of PayPal (a book was written for that), regardless of how fascinating it might be.

Article Tip
Did you know that PayPal is one of the few companies with a single letter domain name? Chëck it out: X.com.

The problem with PayPal is that it has not solidified itself in any other market besides the payment option of eBay merchants. The result is that many website owners view PayPal as a 'cheap' option. Furthermore, even though PayPal does allow non-members to purchase items through their system, it is not as easy as many merchant's would like. Many of the problems of PayPal were actually discussed on the forums a while ago.

These problems open up a vulnerability for PayPal. If Google releases a product that improves on the downfalls of PayPal in much the same way that they were able to revolutionize online maps, then PayPal should be worried. Google does have a knack for making web applications that make existing applications look outdated and simplistic.

Why Gbuy Will Not Kill PayPal

Experts have been predicting the wild success of Google in many different industries for some time. When Froogle was released it was thought by many to be a major threat to Amazon.com. Although Gmail has been a success, there have been no reports of Yahoo Mail suffering significant attrition (in fact the buzz over the new Yahoo Mail interface shows just how much interest there is in Yahoo Mail). And although Google News is a highly useful service, it is hardly considered the default news service for most web users.

The fact is, the past few Google releases have been relative failures. Google admitted that they screwed up with their video service (the Apple iPod Video is much more successful and sets the bar much higher than Google is currently meeting). Google Reader was met with a collective 'ho-hum' from the webmaster community (as was Google Pack), and even though Google Sitemaps may be useful, it is still under used. Google Analytics still is not able to accommodate mass signups, and the buzz over analytics has also declined significantly since its release.

Really, if we were to look at Google's recent releases, the only relatively successful releases have been Google's Search (obviously), Adwords and Adsense (also obvious), Google Maps, and Gmail. The fact is, with the exception of Adwords and Adsense, Google has not been very successful in launching commercial products.

Google's Lack of Simplicity for 'Everyday' Users

The problem with most of Google's recent releases has been its lack of simplicity. Google's initial success in search was powered by the extreme simplicity they brought to the process. All the user saw was a search box and search results. What could be more simple? On top of that, search results were stunningly accurate compared to the other results available.

Although Adwords is confusing to many website owners, Adsense also carries the trait of being extraordinarily simple. Add in the benefit of being able to make a significant income from Adsense and it is no wonder that Google has a firm hold on the contextual ad market. For potential advertisers there is no greater reach than Google Adwords.

Yet most of Google's recent releases have either lacked the simplicity that made them the choice for every day users or offer no significant advantages over existing products. If PayPal is genuinely going to be threated by Gbuy, then Google is going to have to perfect the simplicity that PayPal has capitalized on.

Gbuy - Finding a Niche Among Website Owners

A few years back when K-Mart filed for bänkruptcy, I remember listening to an analysis which looked at the reasons why K-Mart was having difficulty. The analyst explained how there were three major players in the mega-stores: Wal-Mart, K-Mart, and Target. Wal-Mart had successfully positioned itself as the price-leader out of the three mega-stores while Target, although still inexpensive, positioned itself as slightly more expensive, but higher quality. K-Mart, in this environment, lacked an identity to shoppers.

Gbuy could very well fall into the same problem. PayPal has done a great job in solidifying itself as the payment solution of choice for millïons of Ebay merchants. In addition, thousands of other website owners have chosen to at least add PayPal as a payment option on their website due to its extreme simplicity for those who have PayPal accounts.

In a best case scenario Gbuy could really only hope to fit in as an alternate payment system to those who have already established how users are supposed to pay for their goods. In all reality, though, the market is crowded, and Ebay users will likely continue to use the integrated, easy to use PayPal over any new-commer - especially of Google fails to make a relatively simple product.


About The Author
Mark Daoust is the owner of Site Reference. If you want to reference this article, please reference it at its original published location.

Wednesday, February 08, 2006

The Santa Claus of Bread and Other Sharing Strategies

I work in an office with great benefits, but one of my favorite perks isn’t anywhere in the staff manual. It’s a personal initiative of my colleague, Sat Jiwan, who happens to be one of the greenest, cheapest people I know. For over a year now, he has been providing my office with loaves and loaves of free bread, making him our all-season Santa Claus of carbohydrates.

I’m not talking about just any bread, mind you. I’m getting organic, whole grain, name-brand bread. I get to choose from whole wheat, sunflower, cinnamon swirl, rye, and just about every other variety you can imagine. On average, I get a supply once every couple of weeks and can take home as much as I want. Sometimes I even get bagels and whole grain English muffins, too!

What’s the catch? Sat Jiwan volunteers at our local food co-op, and on a regular basis the baked goods hit their expiration dates. Around that time, co-op staff and volunteers can take home whatever unsold bread they want for free. Rather than see any of it go to waste, Sat Jiwan has lugged in anywhere from five to 20 loaves or more at a time to the office. Though we get our carbs near when they're ready to go stale, if they're transferred promptly to the freezer, the bread will last for several months and taste fine toasted. Because we have limited room in our staff freezer, everyone with access to our kitchen is periodically encouraged to take home as many loaves as possible.

We currently have over 10 different loaves in our office freezer, and Andre and I are working through about three loaves and a handful of bagels at home. I’ve also given Andre another four loaves to bring to work with him to make sandwiches for his lunches—and all that is just in the last month. These loaves retail for $3.49 to $3.99 each. My best estimate is that Sat Jiwan’s bounty has benefitted me personally to the tune of about $104.72 in the last year (or about 28 loaves at an average of $3.74 each—but in reality, Andre and I have probably eaten our way through even more than that, and I’m not even counting the bagels and other random baked goods we sometimes get).

This has also improved the quality of the food I eat, since I do not usually spring for organic grains on those rare occasions when I must actually shop for bread. And because Andre is addicted to carbs, this arrangement has kept us well-stocked whenever the sandwich urge hits him—which apparently is all the time. Best of all, it keeps pounds and pounds of food out of our local landfill and puts the bread where it should be: in people’s bellies.

This may seem like my own little gravy train, but the idea here is that volunteering—and sharing—can have additional benefits beyond the satisfaction of helping out an organization that needs it. (Sat Jiwan also gets a discount on all his co-op purchases in addition to the periodic freebies.) Now, I’m not suggesting that one should volunteer simply for the swag—although I’ve known people who have handed out theater programs, worked the door at concerts, or helped direct traffic at folk festivals just to see free shows, which strikes me as a pretty sweet deal, too. If you have an interest in making some part of your community a better place or putting in time for something you care about, you can often come away with a little something to help stretch your budget, even if there’s no “bread” involved. If you get a real windfall, share your good fortune with friends, family, coworkers, or housemates, and you may be pleasantly surprised at what kind of karmic benefits come back to you, too.

If you’re like me, you may not have time to volunteer as often as you’d like, and when you do volunteer, you end up planting underwater grasses in a creek or sitting on a committee somewhere, rather than gaining access to very much free food. No worries. There’s also the time-honored tradition of sharing where no volunteerism is required: the swap.

You’re probably already familiar with the concept, but for those who haven’t tried it, let's just say I'm a huge fan. All it takes to pull off a great swap is a free evening or afternoon, a meeting spot, and a group of people who like to share. In my office, we have arranged several clothes swaps in which we clean out our closets, bring in whatever we no longer want, and trade outfits; we then donate whatever is left over to a local charity and a nearby thrift store. I’ve also taken part in a small-scale book swap with some of my friends that I’d love to organize into a larger event with more literary connoisseurs. (Baltimore area residents can also check out this spectacular and more formally organized book swap that happens in Charles Village every weekend.) Swaps are great because they simultaneously help you clear out things you aren’t using, get things you will use for free, and keep all of those various things (or most, anyway) from heading into landfills. A win-win-win for cheapskates everywhere!

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So, the president unveiled his proposed budget for 2007 this week, and it wasn’t very green. Take heart that we can at least manage our own budgets to reflect our values better than where our taxes may be headed. Suggestions: you may not need to spend quite so much on defending yourself. Give a little more to charity. Invest in renewable energy. Set some extra money aside for your health care. And put more money into savings. Bipartisan tightwads (and even a few politicians) agree: working from a deficit is a bad way to manage money.

--- by Jennifer Errick, Communications Associate
BA, University of Massachusetts. Jenn managed her own web consulting business and served as a web/communications specialist at Johns Hopkins University. Jenn is now responsible for designing, editing, and writing content for New American Dream's print publications and outreach materials, including our quarterly newsletter In Balance.
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Please feel free to link to this blog sponsored by SJOPromotions

Site Linking

Link your sites to other sites. Reciprocal linking is one of the most
highly effective means of raising one's site ranking and bringing
targeted visitors to your sites. There are many ways to do this. More
free ways than you can imagine.

You may want to start with FFAs simply for the free linkage. The
chances of making a sale or referral are quite slim UNLESS you are
promoting Your Own Personal FFA via FFA. If you do this, make sure
the FFA that you are using allows you to edit your email signature
for the confirmation mail that will be sent to each poster on your FFA.
When editing your signature, be sure to add the links to your main
pages below your name. Openers of confirmation mails will see your
signature and links. If they are of use to the reader, you just sent a
spam-free email ad and raised your link popularity at the same time.

Blogs!!! Post to any blogs that allow it. Submit articles and use your
#1 link in reference with your signature. Post to blogs that actually
allow advertising (this one does). Choose blogs that have similar
content for direct advertising, choose blogs with various content for
indirect advertising via article sharing.

Are you a forum-hopper? Then you already know to add your links
to your signature in forums as well. You may also want to search
forums for offers of free reciprocal linking from webmasters that are
not in your immediate circle of friends and contacts. Spread out!

Classified websites are very good to link to. Classifieds hold various
content of many types and are also quite likely to be crawled by the
search engines. Strategically place and target your classified ads.
Look for a place to actually advertise on their site besides just posting
your advertisements.

Are you a reseller? Did you know that many reseller affiliate programs
promote your link in exchange for you promoting their links for
commissions? If you are already copy/pasting codes to your pages
to promote for commissions, then this method is for you.

Many traffic exchanges allow site linking or textlink impressions in
the surfbar. You may think this method is not effective, but its the
clicks and engine crawls that raise your link ranking.


Feel free to leave any permanent links pertaining to these subject.
Your input, comments, feedback, articles and links are welcome
here.

Please feel free to contact me to link to my plugin site: www.shannonsjobops.bravehost.com

FREE Website Advertising Ideas

If your trying to advertise your work from home website or any website using free techniques we have a few suggestions for you that you may want to take advantage of.

1. Reciprocal linking - Join my links directory at the following page. http://bigmoolla.com/links.htm

2. Forums - Join forums and discussion boards. Make sure you post often with your website address in the signature file. Go to my forums http://bigmoolla.com/phpBB2/index.php

3. Top Site Lists - Add your website to as many topsite lists as you can find. I have just created a brand new topsite at the following address. http://bigmoolla.com/topsite/

4. Free Classifieds - Time consuming but effective if done on a daily basis. For a short list of free classified site go to the following page. http://bigmoolla.com/classifieds.html

5. Free Traffic Programs - I use free traffic programs to boost my rankings on topsite lists. for a short list of free traffic programs click on the following link. http://bigmoolla.com/traffic-programs.html

posted by Tom Worsley

*Article taken from BigMoolla.com
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Please feel free to live 1 link with us if you choose to comment on this article.

Why Bad Things Happen to Bad Money Managers

Most investors are reluctant to change their approach even when it clearly isn't working. And the reasons for this are often profound. And profoundly unprofitable.

Yesterday, one of my oldest clients e-mailed me out of the blue and said what a wonderful job I had done with her account over the past four years. I smiled, thanked her and, since she’s a friend, I wrote in response: “Please tell all your rich friends about me.”

Her reply: “I have, but getting people to change what they’re doing financially is almost impossible -- no matter how badly they’re doing.”

I know from experience that she’s right. Getting humans to acknowledge that there might be a better way to manage their money is like gently suggesting to a loved one that he or she should drink less. They may listen to you the first time, but I wouldn’t bet on it. You need a full-scale familial intervention to make the point -- and even then it may not work.

I’m writing this entry to explain what I confront every week of my working life and to encourage you to change what you’re doing if what you’re doing is not working.

Here are some of the reasons people cling to a losing strategy:

1) They don’t really know how their portfolios are performing. Almost no one I know can tell you with any degree of accuracy how they’re investments have performed over time. “I’ve done alright, about in line with the market,” people will say. And then, when I look at their portfolio, I gasp, because the carnage looks like something out of Baghdad. If you don’t know exactly how you’ve done, I promise you this: Your performance is worse than you think. Why? Because that’s how the human brain works. We go through contortions to protect our self-esteem. We focus on the good months and put the bad years out of mind. We fixate on our Google (GOOG) winnings rather than recalling that loss in JDS Uniphase (JDSU), which happened to have been four times as large as the Google win, but no matter.

If you don’t know how you’re really performing, you can’t possibly know that it might be time for a change. So, I implore, keep very clear records of how you’re doing -- and don’t eliminate those wacky fliers you took on stocks that sought to bring nanotechnology to the bowling alley.

2) People console themselves with fact that no one they know is really doing any better than they are. In this regard, misery really does love company. To salve his wounds, one of my favorite clients repeatedly says that everyone got killed in the tech bubble. I’ve subtly suggested that I didn’t -- and that other value investors didn’t either -- but I don’t have the heart to confront him directly.

3) It’s painful to make a change. It’s not pleasant to acknowledge that the investment approach you’ve taken for 10 years is sub-par. It feels as if you’re confessing to a failure. I mean, imagine how much more money you’d have had if you’d done better. People hate acknowledging that they’ve been wrong. What’s really unfortunate -- and almost comical -- about this reason for staying with a bad approach is that 85% of mutual fund managers underperform the market. So there’s no shame in admitting that you can’t beat the averages. Some people can, but the vast majority cannot. Not beating the market is the human condition -- for most humans. My advice for most people would be to find some humans who do beat the market over time or to abandon the quest altogether and simply index.

4) People feel enormous -- and enormously misguided -- loyalty toward the financial professionals who’ve let them down for five, 10, 15 or 20 years. It’s very, very hard to dump a financial adviser, no matter how bad he is. I’ve seen this again and again. One 50-year-old I know was so phobic about telling her financial consultant at a major brokerage that she was leaving that she put off the call for years. My three-and-a-half-year-old daughter often behaves more maturely, but this is by no means unusual. First, lots of people genuinely like their brokers as human beings. (And why not? Being likable is one of a broker’s primary skills, after all. Sometimes it’s his only skill.) So they don’t want to hurt their feelings or their wallets. (They’ve seen those pictures of the kids with crooked teeth on his desk.) Second, once you entrust someone with a significant portion of your life savings, you often end up endowing them with substantial powers. You puff them up. Hey, they’re handling your loot, they better be good. And, if you’ve been with them a while, you know that they had a good year or two. That they nearly disemboweled your portfolio, however, is a fact that you prefer not to look at.

I have a friend who’s very bright, and her cousin, a broker, has done a lousy job with her money. I manage her husband’s money, and it’s taken her four and a half years to even consider giving me a little piece of her portfolio. We’ve talked about it over the years. “What can I do, he’s family?” she says. That’s like, “What can I do, I’m in a lousy marriage?” Well, you can try to make it better, and if that doesn’t work you can leave. But people’s inertia and their desire to protect the feelings of someone who has done a poor job of managing their assets are very powerful.

5) People feel that the next joker might be even worse. Giving someone your money to manage is like giving them your heart. It takes a leap of faith, a particularly huge leap when you’ve already been hurt. If, say, you’ve had two bad brokers, how confident could you possibly be that a third money manager would really be the charm? To some people, that sounds too much like a fairy tale.

6) For some people -- presumably not those of you reading this blog -- dealing with money is so unpleasant, so thoroughly uncomfortable and painful that it’s simply better to ignore the situation altogether. Obviously, this makes no financial sense but, to some people, it makes great emotional sense. To them, out of sight is out of mind.

So, yeah, I understand a lot of the reasons why people don’t take steps to improve their financial fate, but I don’t really understand. Because I’m wired differently. Twenty-five years ago I was an average investor. I got tired of just being average, and I completely overhauled my investment approach. It worked. But I’m enormously competitive and I hate losing. I have no talent for deceiving myself about my financial performance.

So, if you recognize yourself or any of your loved ones in this piece, just remember: There really is a better way. And it doesn’t have to be very painful at all.

By Andrew Feinberg
February 07, 2006



*Article taken from Kiplinger's Personal Finance


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