Friday, March 11, 2011

personal finance blog

On Monday night time, I watched my to begin with, The Final Phrase host Lawrence O’Donnell.
Although O’Donnell laudably tried to focus the audience’s consideration onand hopefully very last, Charlie Sheen trainwreck interview, courtesy of the tragic undertow that threatens to pull Sheen underneath for high-quality, I used to be overtaken, not through the pulling on the thread, and then the voracious audience he serves. It did not make me depressing, it created me angry.

In the case of celebrities, we are able to be considered a heartless nation, basking in their misfortunes like nude sunbathers at Schadenfreude Beach. The impulse is understandable, to some degree. It may possibly be grating to pay attention to complaints from people who take pleasure in privileges that the majority of us can’t even imagine. In the event you can not muster up some compassion for Charlie Sheen, who tends to make alot more moolah for a day’s operate than many of us will make inside of a decade’s time, I guess I can not blame you.



With all the fast speed of occasions on the internet in addition to the info revolution sparked through the On-line, it’s really uncomplicated for your technological know-how sector to imagine it is special: regularly breaking new ground and accomplishing details that no one has ever before accomplished just before.

But there can be other kinds of enterprise which have previously undergone several of the same exact radical shifts, and also have just as amazing a stake inside the foreseeable future.

Take healthcare, for instance.

We normally believe that of it as a enormous, lumbering beast, but in reality, medication has undergone a series of revolutions inside past 200 many years which might be at the least equal to these we see in solutions and data.

Significantly less understandable, but still within just the norms of human nature, could be the impulse to rubberneck, to slow down and take a look at the carnage of Charlie spectacle of Sheen’s unraveling, but in the blithe interviewer Sheen’s lifestyle as we pass it with the right lane of our every day lives. To get sincere, it may possibly be challenging for individuals to discern the big difference in between a run-of-the-mill attention whore, and an honest-to-goodness, circling the drain tragedy-to-be. On its personal merits, a quote like “I Am On a Drug. It is Termed Charlie Sheen” is sheer genius, and we cannot all be expected to take the full measure of someone’s existence each individual time we hear a little something humorous.

Swift ahead to 2011 and I am endeavoring to investigate will mean of getting a bit more business-like about my hobbies (for the most part new music). Through the end of January I had manned up and started to advertise my blogs. I had established a few distinct blogs, which have been contributed to by mates and colleagues. I promoted these pursuits by using Facebook and Twitter.


2nd: the little abomination the Gang of 5 on the Supream Court gave us a year or so back (Citizens Inebriated) actually consists of a little bit bouncing betty of its individual that could rather properly go off from the faces of Govs Wanker, Sacitch, Krysty, and J.O. Daniels. Due to the fact this ruling extended the notion of “personhood” to both companies and unions, to attempt to deny them any best to operate inside the legal framework that they have been organized under deprives these “persons” on the freedoms of speech, association and motion. Which suggests (after once again, quoting law college skilled friends and family) that both the courts have to uphold these rights for your unions (as particular person “persons” as guaranteed by the Federal (and most state) constitutions, or they have to declare that these attempts at stripping or limiting union rights have to utilize to major businesses, also.

Marriage can be hard enough some days. Throw money into the mix, and things can get downright ugly.  However, just as disagreements in other aspects of your married life don’t have to result in permanent rifts, disagreements over money don’t have to ruin your relationship.  As with all things in marriage, money issues need to be worked through. Here are some ideas for overcoming disagreements about money in marriage:


Know Thyself


One of the best things you can do is understand your relationship with money.  In order to articulate your position on money to your partner, you need to be able understand.  Think about why you spend (or save) money the way you do.  You should also come to grips with why you don’t like the way your spouse handles money, and determine whether or not your own preferences and money prejudices are coloring the situations.


Avoid Money Discussions When Angry


Before discussing money, make sure that you are both calm.  One way you can do this is to make an “appointment” to discuss money.  That way, you know to calm yourself beforehand.  Money discussions should take place when you are both as rested as possible (not after a long day of work) and when you are not hungry.  Try to find a comfortable location when discussing money, so that both of you are in a more forgiving frame of mind.


Listen to Your Partner


You and your spouse should take turns listening to each other’s ideas.  Listen without interrupting, except to ask clarifying questions.  Then, expect the same respect from your partner.  You should be able to explain your position as well.  If you both agree to listen respectfully, you will get a better idea of each other’s positions, and you will have something to work with when deciding what to do next.


Remember Your Big Picture Goals


Hopefully, you have some big picture goals as a couple.  When disagreeing about money, it is a good idea to pull out your shared goals for retirement, a vacation, kids’ college or your emergency fund.  Together, you can determine what actions will best help you reach your bigger shared financial goals.  Taking the time to re-connect to the commonalities you share will be a big help.


Let Each Person Control Some Money


You should each have control over some of the money.  This should be available for you to use how you want.  With separate spending abilities, it makes it possible for you buy what you want — even if your partner doesn’t agree.  Make it a rule that each spouse will respect what is done with the discretionary spending each has.


In some cases, the best idea is to have separate accounts if you have a hard time agreeing on what to do with money.  Make sure that each of you contributes to a central pot for household expenses, and then you can each have separate checking accounts.  However, even in such a setup, it is important to touch base and make sure you are still working toward shared money goals.


Be Willing to Compromise


Finally, you have to be willing to compromise.  Any relationship has some give and take, and you and your partner need to be ready to give up a little something.  With some thought and planning, it is possible to disagree about money without causing serious problems.



If the Oz blogosphere is any indication, the next Australian Federal election will be a referendum on a proposed climate tax. And the issue has already become nasty and personal:


Prime Minister Julia Gillard endured a fiery morning on talkback radio today as she came out swinging in the political war over her plans to put a price on Australia's carbon emissions.


Yesterday Ms Gillard announced the scheme would start from July 2012 but did not say how much carbon would cost and gave no firm date for it to become a fully fledged emissions trading scheme.

Gillard comes out swinging in carbon war


Simon at Australian Climate Madness is no fan of climate action. He focused on a broken election promise from 2010 accusing the PM of being a liar:


Climate Madness of the Year. Julia Gillard, who lied to the Australian people before the last election that there would be no carbon tax, has today announced just such a tax as part of a price on carbon. As readers of this blog will know, a price on carbon will do nothing whatsoever for the climate, and will simply damage Australia's standard of living and economy. In other words, it is a pointless environmental gesture designed to appease the extremist Greens, on whom Gillard is so dependent.

Abbott: “people's revolt” against carbon tax


At Embrace Australia Robert Pearce presented a very different view of global warming and the need for action:


Despite the cost that will go hand in hand with the carbon tax, Mr Abbot seems oblivious to the long term necessity of a carbon based tax in order to steer the economy toward a low carbon future and to reward those who make inroads to this future and to punish those who disregard the planet’s future.

Gillard Under Fire For Proposal Of Carbon Tax


Former South African Ozzie Saffa describes his blog as ‘my tribute to South Africa; the fall of the USA and Europe; race relations; the future of Australia; Islamisation of the world; and the global warming farce.' The attack on the carbon tax was reminiscent of the U.S. Tea Party rhetoric against Barack Obama:


Australia is angry - Australia is angry that its clueless socialist Labor government is running the country into the ground.


… any way you look at it, it is robbing the rich/middle classes (non- welfare claimers) to pay for the poor and who already suck off the welfare teat. Classic Socialism 101

Julia Gillard's carbon tax a betrayal


Gary Sauer-Thompson's Public Opinion bemoans the politicisation of the issue:


It is also unclear whether this agreement will be designed to reduce Australia’s contribution to climate change, or whether it’s a political fix that postpones the issue of emissions trading yet again. At this stage I'm inclined towards a political fix scenario until events indicate otherwise.


In this round the fight will be about politics — not policy, not evidence, and not science. The Coalition, the big polluters, mining industry and the conservative media will fight this policy to the death.

ALP bites the bullet on climate change?


Grog’s Gamut aka Greg Jericho had a detailed analysis of the political positions of the leaders:


The biggest fight of this political generation starts today. Both Abbott and Gillard love to fight, the problem for Abbott is that for the last 6 months Gillard seemed to have nothing to fight for. She now does. She looked confident at the press conference, and looked like she welcomed the fight in parliament.


On the day she became PM she said to Abbott, “Game on”.


It sure is now.

On the QT: Abbott sings the song of angry men; Gillard’s the Master of the House


Rightjab, a regular online critic of Islam, is also enraged by climate action:


This will make no difference to global temperatures. But the government will control every aspect of our lives.

Orwellian Orstralia


Harry Clarke who writes On economics, politics & other things gave measured support to the announcement rather than an emotive response:


I am pleased that the Australian Government will introduce a carbon tax of sorts from July next year – a common guess is that it will be about $26 per tonne CO2 although the size of the tax has not yet been announced. Then an emissions trading scheme in 3-5 years after that. The little information available on these pricing plans is provided by Peter Martin here. The ‘on-again’, ‘off-again’ attempts to price carbon in Australia make me more than a little cautious but certainly this is the best news for years. From what I can read, Tony Abbott has committed to oppose the measure now but not yet agreed to revoke it if he should gain power at the next election – it is easy to understand this since the Liberal Party do not have anything approximating a credible policy on climate. Julia Gillard and the Labor Party now face the task of selling the proposed measures to the Australian people.

Carbon pricing for Australia


Café Whispers is a group blog where I sometimes post. Nasking did not hold back in his criticism of the Opposition leader Tony Abbott:


It seems to this blogger he’s an attention seeker with the morality of an infant at times…who speaks trolleyfulls of drivel…a desperate contortionist negabore who has become a blott on the political landscape…a barbed wire hurdle for the public who want reform that is for the public good…a liability for a Coalition that have been severely divided by his fear-mongering, dog whistling, say NO to everything, mouth before wicket approach.


He was one of many to ridicule Abbott’s attempts at Churchillian hyperbole:


“We will fight this every second of every minute of every hour of every day of every week of every month,”


(When not doing Churchill impressions for the mirror…fighting on the beaches…and cycling like a manic on steroids)

Abbott’s Drivel Continues


Menzies House, ‘the leading Australian community for conservative, centre-right and libertarian thinkers and activists’, is named after another famous conservative Prime Minister, Australia’s Liberal Prime Minister Sir Robert Menzies. It has started a new online presence to ramp up the campaign:


Menzies House is proud to annouce its latest project - www.StopGillardsCarbonTax.com


We all know that this carbon tax is nothing more than a shameless grab for cash by the Gillard-Brown government. It will do nothing to help the environment, and will seriously hurt Australian families and businesses.


It will damage the economy, cost jobs, and force households to pay hundreds of dollars in extra taxes.

New MH Project: Stop Gillard's Carbon Tax


I wonder what lover of the Queen's English, Bob Menzies, would have made of the ‘annouce' typo.




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