Darren Rowse is calling for interested bloggers to join his Group ProBlogger List Project. Participants may earn prizes too! How to participate:

1) Write a LIST post
2) Let Darren know about your LIST post
3) Darren will link your LIST post
4) Surf Darren’s page and read other peoples’ LISTs!
5) Link out - Write about the peoples’ LISTS that you like!

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Always using Excel, I have decided to create a little spreadsheet to show the power of compounding interest. For these examples, I am assuming the following information:

* I used simple interest, compounded annually (meaning you earn interest on interest)
* For simplicity, I decided to use 5% as the interest rate
* These investments do not take into effect any tax consequences or limits on annual RRSP purchases
* Let’s suppose my two comparisons are for the same person, different circumstances
* With the power of Excel, I was just plugging the “investment” number needed to break the desired goal amount, and probably doesn’t make much sense - except that’s the way I did it

EXAMPLE ONE - EARNING $100,000

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I just changed the “permalink structure” in here, to assist in the functioning of the TAG CLOUD of categories created at the bottom of the page here!

So .. any entries prior to this point in your RSS feed readers might come back with a 404 Error when clicked. My apologies, but this only affects the entries prior to this point.

Just click on the AND YOU RETIRE name and MastHead graphic on top to go to our front page.

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My philosophy has always been …

.. it never hurts to ask! … So I figured I’d ask

AND YOU RETIRE - Accepting Articles and Links

ATTENTION: Related Sites with Articles About Retirement

(Q) Do you want your site to be added to our Blogroll section in our Sidebar?

(A) We will link your blog to our blog for a reciprocal link back to our blog.

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JOKE:

As a result of the reduction of money budgeted for the Department areas, we are forced to cut our number of personnel.

Under the new plan, older employees will be asked to accept early retirement, thus permitting the retention of younger people who represent our future plans.

Therefore, a program to phase out older personnel by the end of the current fiscal year, via retirement, will be placed in effect immediately. The program will be known as R.A.P.E. (Retire Aged Personnel Early).

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If you have been dropping by here in the last few days .. you probably know that I’ve been flipping back and forth between eight possible themes for this site.

I have finally decided that I like this current template the best .. called “Tropical Grunge 1.0″ by Template Monster. As such, I have begun to “HART’icize” this template with blogging stuff and I call this Version 1.0.

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Debt Solutions - Good Debt vs. Bad Debt

By Michael Russell

Debt simply means that money was transferred between two parties. It implies that at a future date the loan will be repaid according to the repayment terms. Every time an item is bought we immediately go into debt. If the item is small, we can generally pay immediately and not see any long-term debt. Of course, there are many larger items that we all need but cannot pay for with cash. It causes us to go into debt for months if not years in order to repay.

Debt is not a terrible thing to avoid at all costs. Some people feel comfortable paying for everything right up front. Drive used cars, rent an apartment and pay for school once you have the money for it. All items that we buy either appreciate or deprecate in value over time. Buying a brand new car loses could lose 10% in value the second it leaves the dealership’s parking lot. At that point, if you sold the vehicle, the value of the car would not even pay for the remaining balance due on your auto loan. Even if the driver uses the vehicle for several years and finally sells it, they may still sell upside down which means they did not receive enough money from the sale to cover the loan. Perhaps you need to take out an additional loan to cover the original auto loan. This scenario is a great example of bad debt. A great financial rule is to never go into debt to buy something that loses value over time. One could make an argument that if you wait long enough the value of the car would start to appreciate again. This could happen after waiting several decades. Investing that money into bonds during that same period could result in smarter investment.

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I’ve browsed almost all 915 wordpress themes that are out there .. and I think I’ve narrowed it down to the following 8 choices … feel free to click on a thumbnail .. the original picture will open up in a new window.

WHICH ONE DO YOU LIKE BEST?

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