Employee Referrals: The Double-Edged Bonus
Referrals are a win-win situation! The referred party typically gets some sort of special deal while the referring party gets some sort of compensation. Just check out all the newly added affiliate advertisements on the right-hand side. You’ll get some great offers, and I’ll get a nice “thank you” 
There’s never really any backlash for referring others to products or services. Once the transaction has been made, each party continues on their merry ways. If the referred is no longer happy, they can easily leave. On the opposite end, they can start making referrals themselves if they’re very happy.
Most people know the different adages about employment, namely:
“it’s not what you know, it’s who you know”.
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Book Review – Enjoy Your Money
Referred to as the “Counter-Culture Club”, the book – Enjoy Your Money: How to Make it, Save it, Invest it, and Give it by J. Steve Miller – chronicles a group of young friends who, interestingly enough, met during in-school suspension.
In trying to learn more about each other, they come to the realization they all had one thing in common – a general lack of understanding about money. Having parents with poor financial habits and seeing them struggle, they looked for guidance. This came somewhat unexpectedly in the form of an older, Social Studies teacher no one paid much attention to.
What followed was a series of breakfasts at a local diner where the group learned everything from saving for retirement to car shopping. The group even picked up an additional member, one of the wait staff! The group entertains a host of guest speakers – people they never would have thought were financially successful until they heard their stories. Most of the individuals came from meager means, but were able to build wealth through education and sound financial principles.
How to Compare Rates for Mortgage Refinancing
If you’ve heard of Zillow, and like it, then you need to check out FinestExpert.com. A guest post from Dr. Boyer, the article argues that one can’t simply look at interest rates when considering mortgages. Understanding other factors, like how long you intend to keep the loan, are required in order to make the right decision.
“How do I compare rates to find the best mortgage?” is often the first question people ask when considering mortgage refinancing or when looking at homes for sale as investment property, a second home, or primary residence. Industry standards are evolving but it is still difficult to compare mortgage interest rates on an apples-to-apples basis between different mortgage lender loan programs.
To compare home loan rates, it is important to compare the same type of bank mortgage loan program – e.g., start with a fixed mortgage and pick a 30 year mortgage or a 15 year mortgage. Then there are three keys to evaluate the best home mortgage loan for you.
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Fraud Prevention in Under 5 Minutes
How much time are you willing to spend to prevent fraud? Would you spare 5 minutes?
That’s all it takes to complete the OptOutPrescreen form.
And the best part, you have two options: 5 years or forever.
After launching the program, many people were confused considering it to be fraud. Rightly so, the program is hosted through the big credit reporting agencies. If it looks like a phish, and smells like a phish, then it must be a phishing scam – right?
The FTC now provides an information page to dispel these myths.
So, how does the program add another layer of protection to your identity?
“Enough” by John Bogle – Wrapping Up: What’s Enough?
What’s Enough For Me
I have never played in that billion-dollar-plus major league; nor, for that matter, even in its hundred-million-dollar-plus league. Why not? Simply because as the founder of Vanguard, I created a firm in which the lion’s share of the rewards would be bestowed on the shareholders of the truly mutual mutual funds that compose the Vanguard Group… So, in comparison to nearly all, if not all, of my peers in this business, I’m something of a financial failure. P 234-235
Wellington’s first contribution to the plan was made in July 1951, 15 percent of my first month’s salary of $250, or just $37.50. I’ve continued investing 15 percent of my compensation… After stepping down as Vanguard’s chief executive, I’ve continued to put away 15 percent of the modest annual retainer I receive from the firm. P 236
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“Enough” by John Bogle – Life Section (Ch 8-10)
Ch 8 – Too Much Focus on Things, Not Enough Focus on Commitment
Commitment and boldness – these are among the things that truly matter, the things by which we can measure our lives, the things that help turn providence in our favor. Their reach goes far beyond how we earn our living, for never forget that none of us lives by bread alone. P 189
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