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A Raymond Randall

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"Will that be Cash or Credit?"

From Bangkok to Edmonton, creditcard statements stuff mail and email boxes with payment deadlines. Every bill reminds the giver that gifts given freely do not come free. Giving and buying often exceed generosity and need as a brittle piece of plastic becomes an avaricious spoiler of hopes and dreams.
While reviewing site stats, I noticed 18 foreign countries as domain origins. This prompts my curiosity. Should I hone my marketing efforts to serve these visitors in their native tongue?

Weave Your Own Web

Many elementary school children know the miracle of Charlotte's Web. Weaving the words "Some Pig" into the center of her web, Charlotte keeps Wilbur from the frying pan. E.B. White's story provides some fascinating guidelines for web spinning.
Everybody wants to learn how to make money on the Internet. What about saving money for retirement and your future? If you don't do it, who will? Alan Greenspan, Chairman of the Federal Reserve Bank, recently confronted the U.S. Congress about the cost of future retirement benefits.

Speak up or Sit Down

The caller asked, "Ray, would you speak to the Lions Club next month?" First my gut said, "No"; however, my head said, "Do it". Just how will I do it?

Zero-sum Games

Self-serving motivation instigates zero-sum behavior. Anyone seeking their own achievement or rank at all costs maneuvers each event with single-minded purpose.

Red and Blue Investment Portfolios

Some investment time spans leave investors with black and blue investment portfolios causing them to see red. Statements showing a drop in portfolio value weakens the resolve of many investors. Usually, this takes place during uncertainty about sudden or expected long-term economic changes. A Presidential elections arouse uncertainty on Wall Street, and all investors read the results.

Before Spending Your Money-Visit Forums

"Click Here" on a secure server sets off a chain of events approving your credit card (you hope), dispatching an email to your inbox, and delivering your report or ebook. You never talked to the provider (and for all you know, they may be sleeping or on vacation).

The Stock Market's Red Glare

Stock Markets soar and crash too. Stock Market traders sometimes become kids with a toy. Every day the market pumps itself up. Indices spiral upward making many giddy with kiddish delight; nobody wants this rocket to fall from its lofty heights. With little notice, the market stalls, momentum is lost, and markets crash.

The Three- Legged Investment Stool

For some, stock and bond prices do not matter. They will always have enough money. The rest of us better find more than one way to create cash flow.
Three ways to give all year without sending monthly-payments to credit card companies.
When reading The New York Times and The Wall Street Journal, I wish it were a dream. Symbols of economic uncertainty, cultural chaos, and ethnic frenzy prompt a longing for better days. What is happening to America?

DORF Spells Doom For Detroit

America may soon be the land of "mother, apple pie, and Toyota."

Fedspeak: Polyglot Perspicacity

Federal Reserve watchers hope Ben Bernanke tells us a lot so that senatorial Humpty Dumpty's do not seek explanations for economics "...that haven't been invented just yet."
During February, our local librarian decorates her bulletin board with Dr. Seuss book titles. Many parents trip their tongues over Seuss stories like Green Eggs and Ham. "Do you like green eggs and ham?/I do not like them, Sam-I-am./I do not like green eggs and ham", nor do I like the cost based on Consumer Price Index records.