Advisor Blogs

Fear: The Most Powerful Motivator
Submitted by Robert Wilson on 25 November, 2008 - 15:13.The Un-Comfort Zone
I was abruptly awakened and told, "The house is on fire. Go outside!" As I ran out of my bedroom and into the hall my socks slipped on the polished oak floor. A guiding hand helped me keep my footing and a frantic voice urged, "Hurry! Hurry!"
As I got to the door I looked over my shoulder and saw flames leaping out of the heating grate on the floor. The door was thrown open and I was shoved outside into the carport. "Go stand in the driveway and wait for me. And, DO NOT come back inside. Do you hear me? DO NOT come back inside the house!"
What's Pushing Your Buttons?
Submitted by Robert Wilson on 23 September, 2008 - 07:07.The Un-Comfort Zone
What motivates you? That's the question I'd like to ask in this inaugural blog entry on motivation. Are you motivated by fame, fortune, or fear? Or is it something deeper that fans the flames inside of you? Perhaps you are like Jeanne Louise Calment whose burning desire let her do something that no other human being has done before -- feat so spectacular that it generated headlines around the globe, got her a role in a motion picture, and landed her in the Guinness Book of World Records. A record that has yet to be beaten.
Does the bizarre end of Microsoft Windows XP mean the end of useful PCs?
Submitted by John L. Hawkins on 5 July, 2008 - 15:00.HawkTrek
Windows XP is gone, but Windows Vista is not an acceptable replacement. What now? Is Microsoft's forced death of XP also ending the era of useful Windows PCs?
To my library-loving critics
Submitted by Richard Rider on 26 June, 2008 - 06:00.Richard Rider Rant
My column in North County Times questioning the ancillary functions of public libraries brought a storm of protest from library lovers. Well, a squall at least.
http://nctimes.com/articles/2008/05/29/opinion/rider/doc483ee3f9b66bd295...
What struck me about the criticism is that many of these supposedly well-educated folks apparently read no further than the headline before firing away in the online comments section. Either that, or their vaunted reading comprehension remains at third-grade level.
Windfall Taxes on Big Oil Exposed as Economic Lunacy
Submitted by Richard Rider on 22 June, 2008 - 09:07.Richard Rider Rant
Here's an excellent article from an odd source: Karl Rove. Printed in the Wall Street Journal, this piece exposes the economic nonsense of both Obama and McCain when it comes to raising taxes on oil companies. Good stuff.
How Competition Can Benefit You – Starting NOW
Submitted by Richard Rider on 27 May, 2008 - 15:00.Richard Rider Rant
A small financial tip for these hard times: If you have cable TV service, AT&T is starting to compete in some areas. Not to say they are necessarily better, but the competition itself is indeed beneficial.
I just called my cable company, Time Warner, and told them that I was considering switching to AT&T cable and high speed Internet services. That prompted the sales clerk to suddenly note that I was under an "old" plan (established less than a year earlier), and that now there are better deals.
Will Reduce My Carbon Footprint for Cash
Submitted by Richard Rider on 10 May, 2008 - 15:00.Richard Rider Rant
Much is being made of "reducing our carbon footprint." I'm in favor of that -– to a point. I look for carbon-reducing steps that also save me money and/or make my life more pleasant! As I see it, if a carbon reducing strategy costs more, then often the wisdom of selecting that option is highly suspect.
For instance, I like using energy-saving florescent bulbs. I've used the big florescent lights in my fully equipped, professional office in the home for about 30 years. I also use the newer compact florescent bulbs whenever they fit with the demand, which fortunately is most of the time.
False Illegal Alien Stats, and Why You Should Be Suspicious of Internet Chain Letters
Submitted by Richard Rider on 8 May, 2008 - 08:20.Richard Rider Rant
For two years or more, an inflammatory anti-Mexican immigrant (legal and illegal) chain letter email has circulated the Internet. It lists a series of truly disturbing statistics demonstrating that these illegal immigrants (ALL people of Mexican descent are assumed to be illegal immigrants) are the number one problem in America -– raping, pillaging and welfaring their way across the land.
The Beatles Final Concert -- I Was There
Submitted by John L. Hawkins on 30 August, 2008 - 13:51.HawkTrek
August 29, 1966 was the final live concert by The Beatles. I couldn't let the 42nd anniversary pass without saying -- I was there! And what a night it was...
Want a good investment? Like to eat? Eat up your profits!
Submitted by Richard Rider on 26 June, 2008 - 15:00.Richard Rider Rant
Rider's Financial Advice of the Week: Buy food.
Three reasons:
1. Inflation -– our dollar is losing value because we put so many in circulation via the mechanics of the Federal Reserve.
2. Growing demand for food worldwide -– especially in the rapidly developing nations such as China and India.
3. Floods in the U.S., and droughts elsewhere -– especially Australia. More than usual this year, apparently.
Californians: Want Great Jobs? Leave the State.
Submitted by Richard Rider on 23 June, 2008 - 15:00.Richard Rider Rant
The California unemployment figures for May 2008 constitute some misleading good news. We moved from the third worst state in April to the fifth worst state in May.
The bad news is that California's improvement is due to the fact that a handful of other states' unemployment rates are rising even faster. Michigan -– which used to build cars -– is in the toilet with an 8.5% unemployment rate.
Feel any better?
Putting an Actual Dollar Value on Gas Saved from Driving Slower
Submitted by Richard Rider on 13 June, 2008 - 15:00.Richard Rider Rant
I've been suspicious about all the exhortations to save gas by driving slower. Of course, it is true -– to some degree. But just how much? And what's that savings worth per hour?
Mapping Software: DeLorme vs. Microsoft
Submitted by John L. Hawkins on 21 May, 2008 - 16:23.HawkTrek
I like to take road trips, and especially roads I haven't traveled, to places I haven't been. So, I consider mapping software an essential feature of my laptop computer.
I know, many newer cars (including one of mine) have GPS-based satellite navigation systems. And the pocket-sized sat-nav systems are affordable and wonderful. Web sites with maps are helpful. And good old paper maps are still as useful as ever. But none of these provide all the capabilities I get from mapping software on my laptop.
There are two major mapping software products, Microsoft Streets and Trips, and DeLorme Street Atlas USA, and I think one strongly out-classes the other.
California Leads by Example -- Highest Gas Taxes in the Nation
Submitted by Richard Rider on 10 May, 2008 - 11:54.Richard Rider Rant
Did you see the excellent map of gasoline taxes, state by state, across America, May 6 on the front page of the San Diego Union-Tribune? If you didn't look too closely, or read the entire story you might have missed a salient fact -– we're number one!
Yup, California has the highest total taxes on gas of any of the 50 states (not just "among the highest" as the newspaper writes). As of January, we wealthy West Coast folks paid 63.9 cents of federal and state taxes a gallon, vs. the national average of about 47.0 cents.
Thinking of leaving California? You're not alone.
Submitted by Richard Rider on 17 April, 2008 - 15:00.Richard Rider Rant
The recession is upon us.
While still not official, most agree that we are in an economic downturn. Unemployment is rising, housing prices are plummeting and energy costs are soaring. As a result, in this election year, the federal government is offering tax rebates (admittedly ill-advised) to lessen the pain.
But in California, politicians think there are only two times to raise taxes -- good times and bad times. Oddly enough, this is one of those times.
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