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Jan 31 2009

CFO of the Family – The Four Steps to Financial Success | review: book

Category: ho-dad parenting, tech opinion, tech reviewsjmacofearth @ 9:28 am

How to be the Family CFO by Kim Snider

family cfo by kim snider

Snider wants you to treat your personal finances with the same care and scrutiny a CFO would use in managing a corporation's bottom line. According to Snider, the family CFO uses three tools: planning, managing assets and liabilities, and managing behavior. These tools are taught within the context of her four steps:

Plan prudently. Beginning with personal financial statements (one for income, one for balances), Snider wants you to examine where you're starting. Next she asks you to come up with a vision. She helps you break down your vision into categories and then specific goals using a noun, verb, and a date. An example is, "Pay off all debt, except mortgage, by January 1st, 2009."

Lastly Snider asks you to face the difficult task of planning for the inevitable.

Save prodigiously. If you are financially savvy, you may already have these steps in place, but I'd venture that some of you are like me, just getting started on our road to financial freedom. Snider suggests setting up an emergency fund with six months expenses (not six months salary!), knowing the difference between good debt and bad debt, taking advantage of tax-deferred accounts (especially 401Ks), and saving for retirement before college.

Invest wisely. Snider starts this section by asking, "What is your money's higher purpose?" She challenges you to aim big, and then asks you to refine your investment plan by having you assess your temperament, your horizon (how long you have to invest), and where you stand on the risk/reward continuum. There are additional chapters where Kim discusses starting early, taxes on investments, investing your money yourself, creating passive income, minding inflation, and remembering to stay the course.

Manage risk. Managing risk starts with protecting your most valuable capital you! In these chapters, the author discusses various types of insurance, identity theft, and maintaining your credit score. She touches on topics aren't often covered, such as long-term care insurance, medical identity theft, and protecting yourself from obsolescence.

How to be the Family CFO at Amazon

@jmacofearth
permalink: http://bit.ly/family-cfo

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Jan 30 2009

Latest Twitter Spam is P*0*R*N – Who'd a Thunk It?

Category: tech opinion, tools, trust & reputationjmacofearth @ 4:31 pm

Have you seen the person below referring to herself as tiffany? If so please contact the twitter porn police.

twitter porn spam

In the mad rush for more-more-MORE followers are we that obsessed that we will follow the tweeter above? Sure she's attractive, but the link bait is a bit vacant don't you think? And then there is this:

twitter pornster tiffany has ONE update

Now how she found me to follow is a mystery, i'm well below the top 10k tweeters profile, but I guess if you are going to game the system you can pay folks in bangalore .50 an hour to build this type of profile 24/7. So it's not really surprising that I have gotten a lot of similar come-ons [pardon my pun] in the last few weeks. Granted some are more "business" oriented, and some are more explicit, MUCH more explicit.

I guess using the "block" function in twitter doesn't subscribe me to more of these scammers like "unsubscribing" to spam does. At least not yet.

twitter porn to block or unblock

Now if I "unblocked" tiffany again, as I was about to do to show the "block" button, all bets are off. Does it alert you when someone has unblocked you? I mean, how does it appear to the follower when they are "blocked?" Does my user name disappear from their list? And then if I were to unblock and my user name reappeared… Seems to me that would be an easy sniffer to write.

Is there a twitter API for "who blocked who" or "whose blocking?"

@jmacofearth
permalink: http://bit.ly/twitter-porn

+++

alternative scammer

alternative scammer

more twitter scam - superbowl party!

more twitter scam - superbowl party!

twitter trolls get thicker

twitter trolls get thicker

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Jan 30 2009

What is Your Imagination Immursed With? (The Artist's Way at Work)

Category: about me, connections, executive learnings, social mediajmacofearth @ 11:01 am

As my last moments at Dell faded out of view down the Texas Tollway this morning, I did what I usually do in times of massive renewal. I stopped at Half Price Books. I was looking for "Waiting for your Cat to Bark" but came away with "oh so much more." [Isn't that always the case?]

So one of the books in my stack was "The Artist's Way at Work." The cashier, a very chirpy and chatty woman, said, "Oh The Artist's Way, do you do the Artist's Way?"

"Well, kind of, I've just never seen it for business."

"Yeah," she lamented, pausing for a moment. "I've really been meaning to get back to reading the Artist's Way. I didn't really finish it last time."

"Yeah, it is a great book. And if you get the idea of the "morning pages," if that's all you get from it. And if you DO the morning pages, that process is transformational. That's the heart of the whole thing for me."

"You're absolutely right. They are great! …pause… Hey do you want an Adventure Watch," she said pointing to a kids watch hanging near the register.

"No thanks, I've got plenty of watches…" I looked at the box. "$3.99 well, what does the little thing do? Do you know if it still works?" The box looked pretty mangled. "Do you have any more of them."

"I don't think so."

I pull the box off the rack and here's what it looks like.

[ image of box to come - scanning now ]

Watch
Compass
Red Laser
Timer

All for $3.99 but it was clearly dead. Nothing flashed or dazzled when pushed. I pulled the little blue "guide" out of the box and a bag of tiny batteries fell out. Three different sizes of mini-batteries. Odd!

[ image of bag-o-batteries to come - scanning now ]

"Yeah, my son will love this. Hope it works."

"You can always bring it back if it doesn't."

"Well, there is that…"

She offered to bag my 6 books and I was out the door. A bright inner smile building up.

And I realized what the morning pages were for me. Waking up every morning and writing for a set time gets a person in the habit of conversing with their own thoughts and perhaps dreams that were experienced overnight. But what I think it does is it develops the inner dialogue between you and your narrator. And by cultivating that inner voice and writing it down, your thoughts and dreams are captured in a structured and concrete way.

Now the AW book recommends you not spend much time reviewing older morning pages or even really re-reading them at all. The idea being that the stream of ideas is merely part of the process. And the beauty of letting the stream flow by, picking out pieces of it and writing them down, and then moving on… The beauty of the morning pages process is the big ideas, the thematic desires of your life begin to emerge over and over. As you become more familiar with dialoguing or journaling with your inner process, your inner process develops more influence on your life.

And this blog is now part of my inner stream. I am thinking things out and reasoning with myself as I write. [Everyone does this when they write, this is not unique to me, it's the process.] And I have chosen to reveal just a few bits of my inner stream with others. Some days rambling and conversant [Note the brackets of the other voice.] and other days a video link to something that ignited a feeling in me. And then for some reason I share…

@jmacofearth
permalink: http://bit.ly/artists-way

And then… As Scott Berkun says in The Myth of Innovation, it is not the Eureka! moment that is the game changer. It is what happens after that moment that defines the innovators who are remembered. Because the process of bringing those Eureka! ideas to fruition is just plain hard work not magic.

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Jan 30 2009

Her Morning Elegance – Oren Lavie (VIDEO)

Category: musicjmacofearth @ 5:54 am

Once again something so amazing I have to post it rather than tweet it. WOW!

And I'll link to this amazing video from Snow Patrol, "You Could Be Happy."

@jmacofearth

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Jan 29 2009

Keeping My IM Client in the OFF Position – Self-defining Social Media Networks

Category: career, social mediajmacofearth @ 12:45 pm

My Twitter Formula is Twitter satisfaction = following smart folks to learn + looking at who's following who to discover + unfollowing low-value twitts.

The other night my sweet wife asked if I had seen her update on FB? Probably in response to me asking her, sounding like a doughy-eyed elementary-aged poet, "So did you read my new post, honey?"

"You didn't you see my response?"

"On twitter? Or what…" I was backtracking in my mind… "Nope must've missed it. Where did you respond?"

"On Facebook."

That one threw me. I clicked over to FB and checked out her profile… Didn't say anything about my witty repartee.

"You used FB to respond to my post?"

So I gets to thinking… And I've had these thoughts before. [see also: From Whither I Tweet] About why I have been keeping my IM clients off recently. And I almost never turn on my FB chat "show you are online" function. So, what's it all about Alfee?

[one day later I continue the story]

So I read the above post so my wife and she clarified for me, "It wasn't an update, I commented on your feed that comes to my page."

"I don't understand. There's a feed page?"

And there you have it, a self-proclaimed social media student is stumped and already imagines the crashing of his post idea.

So, I still haven't gone looking for what she was talking about. I think I know, but I don't KNOW. I will know in a bit after I go look it up. See, Facebook to me is fun and games. I'll add just about anyone who asks, unless they are a freak. But I don't really know what to DO with FB. I play Knighthood, I start groups that no one ever comments on, I join groups that no one ever comments on, I un-join groups that no longer fit my image of myself, I play Little Green Patch, I update my status, I update my band(s) info. BUT I don't really use FB to have dialogues or comments. I love FB. I see how FB and FB APPs and APIs and extensions and integrated marketing campaigns that include FB. But what is FB for? MySpace was (for me) musically oriented. LinkedIN is contacts and professional networking. Twitter is… well, twitter is another story all together. But FB is just a big blob of mashups and content and anything else you want to bolt on. I guess you can hack FB to the point of it becoming a CMS for your business. But why would I want to?

But here's my point. [Yes, I have one. More of an observation really.] More and more I am inclined to not use IM. And FB in particular I RARELY put myself "Online" so folks and "friends" can reach out and chat with me. An interesting phenominon, but it's something about circles of intimacy for me. So communties are about circles of passion. But in my circle of intimacy I am really quiet private. [Hard to believe?] My ENFP becomes an INFP when I am "off" or stressed. And as the sources of information and the demands for my attention get louder and more fierce, I am NOT socializing on some of my social networks.

IM is a huge part of the culture and communication at DELL [where I work until tomorrow, Jan 30] and has been a huge part of most of the companies I've worked at in the last 6 years. BUT IM is a fairly intimate and demanding form of communication. With comfortable friends IM can be fairly non-linear and without pressure for immediate responses. But as a I-don't-really-know-you-here's-my-IM type of thing, IM has been replaced for me by Twitter.

Observing my own logic, trying to understand what has changed I will try to explain this.

Twitter – has replaced my frequent, and some find, annoying broadcast emails. "Here's this Amazing new site where you'll never need a phone again." So now it's a tweet, "Phones are becoming obsolete, here's how… LINK." And I only have 140 characters. That's not a limit, that's a godsend. A get-to-the-point efficiency that is so lacking in many emails, and many that I write are on the wordy side. But twitter the tweets and chirps go wizzing by so fast that only the "shiney object" gets noticed. And if the tweet is like this [sorry corporate auto-tweeters who think you are adding to the conversation and wonder why I un-follow] "Great site here LINK." or worse, "My Links for August 9,2008." Then my reflexive and quikening mind just flits right over it on to the next branch of the infostream.

And that's a good filter for me. My Twitter Formula is Twitter satisfaction = following smart folks to learn + looking at who's following who to discover + unfollowing low-value twitts. And in many ways the smart people that I follow become a wide-ranging and broad filter for the storm of info raging on the web. Here's my rationale, if I take the time to type out why you should check out a link, and then post it to twitter, I am not doing it to be cute, or community-ish. I am doing it because I sincerely think it is valuable information for some reason, which hopefully I have expressed and rationalized in my tweet. So I am distilling why it's important to me and i'm taking the time to share it. For me that's a process that I don't enter into lightly, or just for fun. I play tennis and RockBand just for fun. And while Twitter is fun, I am using it to learn and listen to the somewhat coherent intelligence of the people I follow. The better the quality of my tweeters, the better quality of my tweets, the better MY overall experience and hopefully yours.

Whew!

So, a recap.

Twitter = broadcast sharing and filtering of information via your followers and following network (better network, better filter)
IM = intimate real-time and potentially asyncronous conversation where I am giving a few people access to the RAM of my working conscious brain
Email = longer sharing, connecting, reflecting and networking with my either my personal or professional networks.
and now
Blog = where I get to explore and expound on ideas that have been driving me for months or seconds, depending on the post.
Website = where the best of the infostream I am writing via the other "channels" gets distilled into pages, wikis or books, depending on the need.
Search = w w encyclopedia-wiki of truth and lies that I can dip into and probe with google and various other tools
Online Community = places on the web where I maintain and update my profile, content, comments and links, and where I meet and connect with others depending on the nature of the community.

Wow, that was a big GTD braindump for me. I think I am building a taxonomy of my own social media map by writing about the experience. That's the idea anyway.

@jmacofearth
permalink: http://bit.ly/self-defining

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