Sushi Money 寿司的钱

A strange world these days with oil and energy prices through the roof, seesawing up and down.  Lots of reasons and speculation, but quite simply demand outstripping supply.   I watched the Enron debacle explained on PBS last night, and it was interesting and… well, downright scary.  How a corporate culture became more about the “cult” aspect was amazing.  But I had a few thoughts, especially as I watched how Enron plotted and manipulated energy and money, especially throughout the western US and California.  One of the fallen leaders was quoted at one point talking about how “Enron was going to change the world…”  You know what?  They did… and not positively.  I think in many respects Enron showed the rest of the world how one company… and a few people, can manipulate energy prices to the tune of billions of dollars.  Heck, if Enron could do it why not OPEC?  Why not some of these two-bit countries who are now nationalizing energy resources that foreign companies, notably many American companies, have put tons of investment and research into?  I think Enron showed the world that manipulation… speculation….一个奇怪的世界，这些天与石油和能源价格，通过屋顶， seesawing向上和向下。地段的原因和猜测，但很简单的需求超出了供应。我看到安然公司的崩溃对PBS的解释，昨晚，这是有趣的和… …以及，简直是可怕的。如何在企业文化，成为更多关于“邪教”的方面是惊人的，但我有几点思考，特别是当我看到如何安然策划和操纵的能源和金钱，特别是在整个美国西部和加利福尼亚州。之一，该下降的领导人被引述在一一点，谈论如何“安然去改变这个世界… … ”你知道什么？他们… …并没有积极，我认为在许多方面，安然表明，世界其余地区如何一间公司… …以及数人，可以操纵能源价格高达数十亿美元。赫克，如果安然公司可以做的，它为什么不欧佩克为何不一些，这两个位的国家是谁，现在国家能源资源的外国公司，特别是许多美国公司，有把吨，投资和研究呢？我觉得安然表明，世界上的投机操纵… … 。 arbitrage… exploiting loopholes… all can be used to take advantage of the need for a given resource.  I’m not a conspiracy theorist by any means, but I think as demand increases for resources, there are countless many who will take advantage of that demand by doing whatever will make them the most money, ethically or not.  The free markets at the extreme perhaps.  So for now we live with high fuel prices.  My only hedge is to invest in the energy sector myself… find a good company with excellent fundamentals.  Maybe the gains in that investment over time will help take the sting out of prices at the pump.  At least I’m helping pay for the success of the companies I invest in!  Of course the other hedge is to drive my 45 mpg Metro as opposed to the F-150.  I never figured out why GM shut down the Metro line… they basically gave the business to the Japanese auto makers.  Bad timing on their part as fuel prices were low at the time- but they probably didn’t make much on the car anyway.  I think we paid a whopping $7200 for it in 1999.  Of course it’s not the most luxurious ride… (an understatement).  But that little car just keeps on chugging and barely sips fuel.  It has its place, and the fundamentals for what it does are excellent.  I like to think of stocks the same way.套利… …利用的漏洞，所有可以用来利用的需要，对于给定的资源。我不是一个阴谋理论家以任何手段，但我认为，由于需求增加，资源，有无数许多谁将会利用这需求做什么会令他们最赚钱，在道德上或没有。自由市场在极端的，也许，所以现在我们生活的高燃油价格。我只对冲是投资在能源部门自己…找到一个好的公司与良好的基本面，可能的收益在这方面的投资超过的时间将有助于采取刺出汽油价格。至少我帮助支付成功的企业I投资在！当然，其他对冲是推动我45哩新城作为反对的F - 150 。我从来没有揣摩为什么通用汽车关闭了地铁线路… …他们基本上给了营业，向日本汽车制造商。坏的时间对他们的一部分，作为汽车燃料的价格低，在时间，但是他们可能没有多大对汽车无论如何，我认为我们付出了高达七千二美元为它在1999年。当然，这不是最豪华的乘坐… … （ 1轻描淡写） ，但几乎没有汽车，只是对chugging ，勉强sips燃料它有它的地方，和基本面是什么，它是否是优秀的，我喜欢认为股票相同的方式。

Does the market just keep going up?  The big 13k is close but does it really mean anything?  I don’t follow the technical indicators much, and for me it’s just a number.  Motley Fool expressed it pretty well in a recent article titled “ Dow 5,000? ” I don’t usually read the MF articles- too many hoops to jump through and it seems like most of their stuff is a sales pitch.  But many of the articles are informative, and I agree with Mr.请问市场不断持续上升呢？大13k是密切，但是否真的意味着什么呢？我不按照技术指标不多，对我来说，这只是一个数字。 motley傻瓜表示，它相当不错，在最近的一篇文章名为“ 道琼工业指数5000 ？ ： ”我通常不读的MF文章-太多箍出，通过它似乎最喜欢他们的东西是一个销售摊位，但许多条款是翔实的，我同意先生 Zimmerman about being prepared:齐默尔曼约正在准备：

“…savvy investors should strive to fix their portfolios while the sun is shining, in part by ensuring that their basket of investments is spread intelligently across the market’s valuation spectrum.” “ … …精明的投资者应努力修复他们的投资组合，而太阳照耀着，在部分，确保他们的篮子的投资是明智的蔓延，整个市场的估价谱” 。

But what does it mean to spread your investments “intelligently across the market’s valuation spectrum?”  I think it means many different things to many different people.  One investor’s goals and tolerance for risk may be far different from another investors.  Before a pitch for some mutual funds, Mr. Zimmerman describes that value stocks should hold up better in a down market than growth stocks.  No real surprise there- growth stocks command a risk premium that value stocks may not since they have already fallen in value.  Growth stocks may have greater volatility with potentially greater variance of performance over time- higher returns in good times and lower returns in tough times.  One way to look at it is using a statistical measure called beta .  In essence beta is used to measure risk based on volatility, with the market having a statistical beta of 1.0.  Stocks with beta higher than that are potentially riskier, but also may yield a higher return.  Stocks with a beta lower than the market are less volatile and less risky but also have a lower expected return.  So value stocks should have a lower beta than growth stocks right?但是，是什么意思蔓延您的投资“智能全国市场的估价谱？ ”我认为，这意味着许多不同的东西，很多不同的人之一，投资者的目标和对风险的承受能力可能远从另一个不同的投资者。之前一足球场的一些互助基金，齐默尔曼先生介绍说，价值型股票，应举行了更好地在一个下跌的市场，比成长型股票。没有真正的突击有-成长型股票的指挥风险溢价价值的股票未必，因为他们已经下降了价值。成长型股票可能有较大波动，与潜在的更大的差异，表现的时间回报率较高，在好的时候，和较低的回报，在艰苦的时候。方法之一，看看它是用统计的措施，所谓的试用版 。试用版在本质上是用来衡量基于风险关于波动，与市场有一个统计测试版1.0 。股票与测试高于有潜在的风险，但也可能会产生更高的回报。股票的Beta低于市场较少波动和风险较小，但也有一个低预期回报率，所以价值型股票应该有一个较低的试用版，比成长型股票的权利呢？ Not necessarily… if a high-flier stock has fallen greatly and some may consider it a value stock, it actually may have a higher beta and be classified as more risky after it decreased in price! Why?不一定… …如果一个高弗利尔股价下跌大大和有些人可能认为这是一个价值的股票，反而可能有较高的Beta和被列为风险较高的后则在价格！为什么呢？ Because beta measures volatility.因为试用版措施的波动。 Beta can be a useful measure, but it’s only one way to look at risk.  Beta doesn’t work very well when price movements are considered.  There is a key issue here, and Investopedia has a great discussion of it in an article titled “ Beta: Know the Risk “ from 2004 by Ben McClure.   For me, the big take-away is how I approach investing for the long term while considering the fundamentals.  From the article and a reference to Ben Graham:试用版可以是一个有益的措施，但它的出路只有一条看看由此带来的风险。试用版没有很好地工作，当价格变动被认为是有是一个关键问题在这里，和investopedia有了很大的讨论，它在一篇文章中名为“ 测试版：知道的风险 ”从2004年起由Ben竹。对我来说，大采取离家出走的是我怎样的方式投资，为长远的同时，考虑到基本面，从文章和参考本格雷厄姆：

“Try to spot well-run companies with a “margin of safety”–that is, an ability to withstand unpleasant surprises. “尝试现货，以及国营企业与”孖展安全“ ，就是一个有能力承受不愉快的惊喜。 Some elements of safety come from the balance sheet , like having a low ratio of debt to total capital. 一些内容的安全来自于资产负债表，就像有一个低比例的债务资本总额。 Some come from consistency of growth, in earnings or dividends . 一些来自一致性的增长，在收入或股息。 An important one comes from not overpaying. 一个重要的是来自不会过高。 Stocks trading at low multiples of their earnings are safer than stocks at high multiples.” 股市交易在低倍数，他们的收入比股票安全的高倍数“ 。

I don’t know where we go from here… but I try not to care too much.  Saying I don’t care would be a specious statement… of course I care how the market and my investments do!  But at the same time- I agree with preparing for the down side because it will come… it’s just a matter of time.  When I’m better prepared, I’m less inclined to fret over market movements.  How we prepare for those times is the question, and my answer is to focus on fundamentals, invest for the long term, and keep on learning along the way.我不知道去哪里，我们从这里…但我尽量不照顾太多，说我不介意将是一个似是而非的声明…当然，我如何照顾市场和我的投资，这样做！但在同一时间， -我同意准备向下的一面，因为它会来… …它只是一个时间的问题。当我更好地做好准备，我倾向于少烦恼超过市场走势如何，我们准备为那些时代的问题是，和我的答案是着眼于基本面，投资，为长远，不断学习，在前进的道路上。

Some strange news out this week that illustrates, for me, how legislation is often very misguided.  Rep Charles Schumer (D- NY) is apparently pushing legislation that will help “bail out” the “victims” of the subprime mortgage mess.  Laura Rowley on Yahoo wrote an excellent article, Footing the Bill for the Subprime Fiasco , describing this initiative.  Now I’m all for prosecuting illegal activity by predatory lenders and helping consumers find out how to rectify loans and deals that were brokered illegally.  But Ms. Rowley makes an excellent case regarding the fact that most of these mortgage loans were taken out by people who simply made poor decisions.  And she reiterates that the vast majority of borrowers, some 85%, are paying the mortgage on time.  I think Rep Schumer is making political hay out of this opportunity… having taxpayers foot the bill for a legislative remedy is just plain wrong.  Imagine if they tried to do this with the stock market!一些奇怪的消息，这个星期说明，对我来说，如何立法，往往是非常错误的。代表查尔斯舒默（四-纽约州）显然是推动立法，这将有助于“渡过难关”的“受害者”的次级按揭一塌糊涂。劳拉rowley关于雅虎写了一个很好的文章， 立足本条例草案为次级混乱 ，并形容这项倡议。现在，我所有起诉非法活动，由掠夺性贷款，并帮助消费者了解如何纠正和处理贷款被非法斡旋，但女士rowley使一个很好的案例就事实，即大部分的这些按揭贷款采取由人谁只是穷人的决定。和她重申，绝大多数借款人，约有85 ％ ，正在按揭的时间，我认为代表舒默是决策的政治干草走出这个机会…有纳税人的脚条例草案的立法补救措施，是完全错误的。试想，如果他们试图做的，这与股市！

On another note of legislative foolishness, the State of Florida is finding out the hard way that capping property insurance rates is doing more harm than good.  The intention is well-founded, as many Florida homeowners are being priced out of the insurance markets.  But at some point, insurers simply cannot do business in a state where the risks outweigh the costs of doing business.  Motely Fool wrote an interesting piece titled Stupid Florida! in which they describe the problem.  They illustrate the issue with an example of a major insurer, USAA, basically pulling out of the property insurance market in Florida.  In a letter by the USAA CEO, he cites some interesting data:在另一注意到立法愚蠢，美国佛罗里达州是找到了努力的方式，上限财产保险利率的做法是弊多于利。用意是良好的成立，因为许多屋主佛罗里达州现正售价出于对保险市场，但在一些点，保险公司，根本无法做业务，在所在国的风险大于做生意的成本。 motely傻瓜写了一个有趣的一块名为愚蠢的佛罗里达州的 ！他们在其中说明问题。它们说明了这个问题的一个例子，一个主要承保人， usaa ，基本上退出了财产保险市场在佛罗里达州。在信中所usaa行政总裁，他列举了一些有趣的数据：

1. 1 。 Over the past 10 years, USAA has paid approximately $220 million more in Florida homeowner insurance losses and expenses than it has collected in Florida homeowner premiums. 在过去10年， usaa付出了大约2.2亿美元更在佛罗里达州的屋主保险的损失和费用比它收集了在佛罗里达州的屋主保费。

2. 2 。 Florida residents account for 49 percent of USAA’s exposure to natural disaster risk, yet make up only 9 percent of USAA policyholders and pay 12 percent of USAA’s property insurance premiums. 佛罗里达州的居民占49 ％的usaa的接触自然灾害风险，但弥补只有9 ％的usaa投保人支付12 ％的usaa的财产保险费。

3. 3 。 With more than $2 trillion in coastal property exposed to the risk of catastrophic hurricanes - and a history of frequent, strong storms across the state - Florida has the most challenging property insurance market in the country. 以上2万亿美元，在沿海的财产暴露的风险是灾难性的飓风-和历史的频繁，强烈的风暴，全州-佛罗里达州的最具挑战性的财产保险市场在该国。

Therefore, the State of Florida has left us no choice but to take the following actions in order to limit potential future losses, and to protect the association and its members. 因此，美国佛罗里达州已经离开了我们别无选择，只能采取以下行动，以限制潜在的未来损失，并保护协会和它的成员。

I feel the issue personally because I am a USAA member, and they carry most of my personal insurance business.  I read this very letter myself the other day. This is an excellent company and I’m proud to see the company take necessary steps to protect their viability as a company.  I feel bad for the Florida members and retirees who may need the coverage, but the Florida legislators have created the situation.  Legislation can do wonderful things… and it can also do great harm.  I think back to how the boat and yachting industry was nearly destroyed by the institution of the “luxury tax”…   What our legislators do locally and nationally really does matter.  I shudder to think of the changes that may take place with tax laws over the next few years with the Democrats leading the charge!我觉得这个问题个人，因为我是usaa会员，和他们进行最我的个人保险业务，我读了这个非常信自己的其他天。这是一个很好的公司，我很自豪地看到，该公司采取必要步骤保护他们的生存能力作为一家公司，我觉得不好的为佛罗里达州的议员和离退休人员谁可能需要的覆盖面，但佛罗里达州的立法者已经创建了情况。法例可以做美好的东西… …而且，它也可以极大的伤害，我想回到如何该船游艇业是近摧毁了该机构的“奢侈品税” … …什么，我们的立法者做地方和全国确实的事，我觉得不寒而栗的变化可能发生的与税收法律，在未来几年中与民主党领导负责！

The market has been on the move forward this week, a little at a time.  We’re due for a pullback- wouldn’t surprise me if it was pretty volatile.  I find it very interesting that the US dollar is at a multi-year low against the Euro with many unkowns in the economy right now, and yet the market still moves forward.  I’m certainly not complaining, but I’m not sure that the “rising tide” is “lifting all boats” this time.  Morningstar recently put out an article describing the market as close to fairly valued, with the DOW undervalued by almost 7%.  Essentially the view indicates investor expectations for “modest returns this year.”  I was surprised by that analysis because the market just seems overvalued to me after a pretty good run since late summer of ‘06.  How do they do it?  From the Morningstar article, “We can compute an aggregate fair value for the market by calculating a market-cap-weighted average of our fair value estimates for the stocks in an index.市场一直在向前迈进，这个星期，在一个小时间，我们正在到期回调-将不会感到奇怪，我如果这是相当不稳定的，我觉得很有趣，认为美元是在一个多年来的最低点对欧元与许多unkowns在经济方面的权利，现在，但市场仍然向前迈进。我当然不会抱怨，但我不能肯定说， “涨潮”是“取消所有的船只”这个时候。晨星公司最近提出了一篇文章，描述市场接近公平价值，与道琼工业指数低估了近7 ％ 。基本上的看法，表明投资者的预期，为“温和的回报，今年”我很惊讶，由分析，因为市场似乎被高估我的后一个不错的运行以来，夏末'06 。他们如何做呢？从晨星的文章， “我们可以计算总的公允价值为市场所计算市值加权平均，我们的公平值的估计为股票在一指数。 To determine if the market is over- or undervalued, we then compare the indexes’ aggregate fair values to their current market prices.”    So it’s Morningstar’s analysis that provides the basis.  I’ve always enjoyed their research, I don’t always agree with their views.   It’s going to take a lot more upside earnings numbers and strength in the economy before I see upside.  But how about that eBay?!  Pretty decent earnings… I just love a company that earns money through leveraging the passions of other people.  Speaking of the passions of other people..如果要判断市场是过度或低估，然后，我们比较指标总额为公平价值，以他们目前的市场价格。 “所以这是晨星公司的分析，即提供了依据。我总是喜欢他们的研究，我不'吨总是同意他们的意见。它的会采取了很多的好处更多的收益号码和实力在经济之前，我看到的好处，但如何对eBay的吗！漂亮体面的收入… …我只是喜欢一间公司赚取金钱，通过杠杆激情的其他人。在谈到激情其他人的.. I’ve been waiting for a good entry point for Altria and this week may provide one.  They just posted a first-quarter decline of 21% of net profits… although international growth is strong and their forecasts are positive.  Should be an interesting week.我一直在等待一个很好的切入点，奥驰亚集团和本星期可能会提供一，他们只发布了第一季度下降了21 ％的纯利润…虽然国际的增长是强有力的和他们的预测是正面的。应该是一个有趣的周。

Okay I’ll admit it… I’m getting more defensive.  I’ve always been an optimist and invest on the Bull side, yet perhaps the kind who likes to “make sure” and check on things to ensure their progress is on track.  Lately however I’ve been uneasy.  Why exactly?  A lot of things. I’m no economist so I won’t roll out a bunch of statistics that, although I enjoy reading, I simply don’t enjoy justifying.  But I look at the same news and data that most amateur investors do, and even though I’ve been doing it a long time all I’m sure of is that nothing is for sure.  So with the subprime mortgage woes, the seesaw economy, the new highs for the indexes, the mideast turmoil, and a couple years of heavy political wrangling before an election plays out… I think I finally decided to get more defensive.  I say more because I’ve already been 60/40 stocks to bonds.  But now I’ve rebalanced my portfolio to about 35/65 stocks to bonds.   I still own eBay because I’ve made some nice gains over time and consider it a long-term investment.  I also own GE both because I’ve had it a long time, and it provides a steady dividend return with a company that is probably the broadest reflection of the economy in one stock I can find. It hasn’t shined in quite a few years, but that may be changing soon. Finally I own some ConocoPhillips because I believe they are well positioned over the long-term in the oil sector and can weather a storm should it arise.  Aside from those stocks I own both Balanced and Growth mutual funds in my Roth IRA with more emphasis on the Balanced funds.  My research on the expected yield of my portfolio ranges from 5% to 7.5%.   The Balanced funds may do much better.  But should we tip into a recession, and should the market reverse itself, I’ll be decently positioned to ride it out.  I personally believe we’re going to see about a 5%-7% return over the next couple of years or longer.  I also believe the housing market is going to take 3-5 years to work through the supply and demand curve, with home appreciation stagnating during that time.  When will I become more bullish?  When the mideast issues become clearer in a couple years… when the election is over… when interest rates don’t go up over the next two years… after the market corrects more than 10% at least twice in the next 3 years… when it stops raining….好吧，我会承认它…我越来越防御，我已经一直是一个乐观主义者和投资对牛市的一面，但也许是一种谁喜欢“确保”和检查的事情，以确保他们的进展是上轨道。最近，但我一直感到不安。到底为什么？了很多事情。我不是经济学家，所以我不会推出一大堆的统计资料，虽然我喜欢阅读，我根本不喜欢的理由，但我看在同新闻和资料，大部分业余投资者的事，即使我一直在做一个长期的时间，所有我敢肯定的是，没有什么是肯定的，所以与次级按揭的疾苦，跷跷板经济，新高为指标，中东地区的动荡之中，一对夫妇多年的沉重的政治角力选举之前发挥出来… …我觉得我最后决定，以获得更多的防御，我多说，因为我已经被60/40股票与债券。但现在我已经平衡，我的投资组合约六十五分之三十五股票，债券，我仍然自己的易趣，因为我所做的一些很不错的收益随着时间的推移和认为这是一个长远的投资，我也自己的葛均，因为我已经它长的时间，和它提供了一个稳定的红利回报与一间公司可能是最广泛地反映了经济在一，风景，我可以找到。却没有闪耀在了好几年，但可能很快改变。最后我所拥有的一些ConocoPhillips公司，因为我相信他们的位置很好，过去长期在石油部门和天气可以风暴应该出现，除了上述两家公司股票的我所拥有的均衡和增长的共同基金在我国罗斯IRA更侧重于平衡型基金，我的研究预期产量的我的投资组合范围从5 ％至7.5 ％ 。平衡型基金可能做的好得多，但我们应该提示陷入衰退，并应市场反向本身，我将体面处于有利的位置，坐出来，我个人相信我们将会看到约5 ％ -7 ％的回报超过未来两，三年或更长一些，我也相信，住房市场是要花费3-5年的工作，通过供应和需求曲线，与家庭赞赏停滞在这段时间时，我会变得更加乐观？当中东问题上更加明确，在一对夫妇年…当选举是超过…当利率不上升，在未来两年后…市场纠正10 ％以上的至少两次，在未来三年…当它停止下雨… … 。 how the heck do I know!?  But that’s where I am.  I’ve got to honor my gut instincts.  If I’m wrong and miss out on the next leg up?  So be it.  Something else I’m becoming as the years go by?  More patient.如何赫克做，我知道！ ？但是，这我在哪里，我已经到了荣誉，我的肠本能，如果我是错，并错过了就下站了？那就这样做吧。东西，否则我成为随着岁月的流逝？更多的病人。

Have you ever really looked around at all the stuff you own?你真的看周围所有的东西，你自己呢？ I have… it’s not a pretty sight.  How on earth do we accumulate such stuff over time?   I shake my head as I wonder in amazement when cleaning up the basement, or trying to organize a desk.  And yet I still see the “need” for various things and go and buy them.  I “need” this tool… I “need” these vitamins… My child “needs” this toy…  We “need” this food… and gradually it really becomes… I want.   So when I look honestly at my needs versus wants?  Most of them are wants.   Sometimes I feel guilty for so many wants, but I enjoy the stuff I have just the same.我… …它不是一个漂亮的视线。如何在地球上，我们积累的东西，如超过时间呢？我动摇我的头，正如我不知道在惊异时，清理地下室，或试图组织一台。然而，我仍然看到“需要”各种各样的东西，去购买他们，我“需要”这个工具… …我“需要”这些维生素…我的孩子“需要”这个玩具… …我们“需要”这个食物… …并逐步是否真的成为…我想。所以，当我期待诚实在我的需要银两希望？他们大多是希望。有时候，我感到内疚这么希望，但我喜欢的东西我刚才相同的。

Perhaps in a few years down the road I will think about downsizing.  But not yet.  Besides the vast majority of the Baby Boomers are far ahead of me in that process.   Which brings me to the pondering questions I have about the economy.   If it is normal during the course of our lives to begin “downsizing” and not accumulating as much “stuff” then does that mean that as a nation, economically, we will not be buying as much stuff, and thereby we will spend less money?   If so, does that mean the savings rate will increase?也许在未来几年下来，道，我会想想，瘦身，但尚未除了绝大多数的婴儿潮世代是遥遥领先于我在这个过程中。从而使我要思考的问题，我有关于经济，如果它是正常的过程中，我们的生活开始“瘦身” ，而不是积累多“的东西” ，那么这是否意味着，作为一个国家，在经济上，我们将不会购买，因为很多的东西，从而我们将花更少的钱呢？如果因此，这是否意味着储蓄率会增加？ Or will we spend our money on other things?  Perhaps a little of both, but something tells me the winds of spending are going to change quite drastically in the years ahead.或将我们花我们的钱在其他的事情呢？或许还有一点双方的，而是告诉我，风的开支是要改变相当大幅度在未来的岁月。

In this article from the AP via Yahoo, a Woman Tries to Sell it All on Ebay .  Her focus is on simplifying her life… breaking free of the “stuff” that makes up her life to gain a clean start for herself.   I can identify with that desire!  I also think that will be a new “movement” or focus for many Americans… to simplify their lives, to live more simply, to not accumulate as much.  And I believe that too will equate to less spending in many traditional areas.  This week I’ve been minimizing my health care expenses by not seeing a doctor.  I’ve just had the flu and I’m finally walking around with clarity in my eyes for a change.  I haven’t really had the flu like this since I was a child, but I ended up in bed for 2-3 days with a 102 degree fever and a head that wanted to explode.  Many folks turn first to the doctor when they don’t feel well.  I’ma stubborn sort who likes to handle things myself if possible.在这篇文章从鸭通过雅虎，一名女子试图卖掉它所有在eBay上 ，她的重点是简化了她的生命…打破免费的“东西” ，弥补了她的生命争取一个清洁开始为自己，我可以查明与这一愿望！我也认为这将是一个新的“运动”或重点对于许多美国人来说… ，以简化他们的生活，生活得更简单，不积累得多。我相信也将等同于减少开支，在许多传统地区，这周我一直在尽量减少我的健康护理开支没有看到一名医生，我就已经有禽流感，而我最后走动明确，在我的眼睛，为改变我并没有真的有禽流感这样，因为我是一个孩子，但我结束了在床上为2-3天，与1 102程度出现发烧和头部要爆炸，许多乡亲首先要谈谈医生时，他们不觉得好。我顽固的排序谁喜欢来处理自己的事情，如果可能的。

Maybe those same traits lead many of us along the pathways of handling our own personal finances as much as possible too.  But my best remedy when I’m sick is Nyquil.  I don’t know why, but it really makes a difference for me and helps break the fever.  That and sipping Coca-Cola during the day.  Now it’s time to begin cleaning up around here.  Got to figure out what to do with all this “stuff” first!也许这些相同的特质导致我们许多人一直以来的途径处理我们自己的个人财务，尽可能多地太，但我最好的补救方法当我生病是nyquil 。我不知道为什么，但它真的作出了不同的，我并有助于打破发烧，这和结识各地可口可乐公司在日间，现在的时间，开始清理靠近这里。了出来做什么，与这一切“东西”第一！

Okay, back home again and time to get serious!  Finished taxes for the year and looks like paying estimated taxes worked well for last year.  Actually I’ll get some of it back… after selling two homes in the last three years, the second home was just above break even, and under the threshold for paying taxes on any gains.  Keeping good records for home improvements and doing most of the landscaping myself really helped.  I use Turbo Tax and it has been helpful to look back as well as forward to see where our tax situation will be.  Now it’s time to work on debt reduction.  I have several credit cards and have taken advantage of 0% balance transfers, as well as 0% financing.  But one has to be very disciplined to ensure the payments are made on time, as well as paying off the credit cards before the 0% time period expires.  In some ways it’sa challenge to “manage debt” in that manner… but it allows me to keep funds in a good money market account earning close to 5% interest.  I don’t believe debt is always a “bad thing” because it can be used as a tool for a given time period.  For most of us, car and house payments are a fact of life.  But taking on more debt than one’s income can sustain is where you can get in trouble.   My goal over the next 6 months is to reduce all debt to a minimum.   After moving twice in less than five years, there is a lot of financial juggling that takes place.  Moving expenses and setting up a new home or lifestyle is a major transition.  Now we are in a place where we intend to live for a very long time…  and that allows a positive focus on our personal and financial lives over time.    Psychologically, does anyone enjoy carrying debt?  I think it bothers some people less than others.  It’s still a “burden” in terms of owing money and ensuring responsibility for the debt is managed.  Again, a short-term tool to help with life transitions and goals.   I think I’ll compute some debt to income ratios, and look at net worth… then begin tracking that on a monthly basis.  But along the way?  Keep saving and investing!好，回家乡再次和时间得到严重的！完成税收为今年和看起来像支付，估计税收运作良好，去年其实我将得到的一些回来…后，销售两个家园，在过去3年，第二首页只是以上，甚至突破，并根据门槛，纳税就任何收益。保持良好纪录，自改善和做大部分的美化自己，真正帮助，我使用的Turbo税，并已帮助回头看，以及前进看到我们的纳税情况，将现在的时间去工作，减少债务，我有几个信用卡，并已采取的优势， 0 ％的平衡转移，以及0 ％的融资，但一要非常有纪律，以确保付款是对的时间，以及支付的信用卡之前， 0 ％的时间期限届满。在某些方面，这是挑战“管理债务”以这种方式… …但它可以让我保持资金在一个良好的货币市场帐户的收入接近5 ％的利息，我不相信的债务始终是“坏事” ，因为它可以用来作为一种工具，对于给定的时间。对我们大多数人，汽车和住房金是一个事实生活，但考虑更多的债务比1的收入可以维持在这里您可以得到麻烦了。我的目标在未来六个月，是要减少所有债务到最低限度。动议后，两次在不到五年的时间，是有很多金融玩弄考虑的地方。移动开支和设立一个新的家庭或生活方式是一个重大的转型期，现在我们正处在一个地方，我们打算住一段很长的时间… …并允许一个积极专注于个人和金融的生命随着时间的推移。心理，没有人享有进行债务？我觉得困扰，有些人比别人少，它的仍是一个“包袱”中的条款，由于金钱，并确保责任为债务管理。再次，短期任期工具，以帮助生活过渡和目标，我想我会计算一些债务收入比率，并期待在净值…然后开始跟踪，在每月的基础上，但在前进的道路上呢？保持储蓄与投资！