Tuesday, July 27, 2010

Another Big Win for Google

Cloud Computing is becoming a reality. Google offers a free set of applications similar to Microsoft Office, except it is free or $50.00 a year per person for companies. I have been using Google Apps. since they became available. Though I am not as competent in them as I am with Microsoft Office apps. I do find myself using Google Doc's a lot for short notes. Your document are stored on line and you are able to retrieve them anywhere a computer has access to an internet connection. Google however is not the only choice out there. Microsoft is now offering their version of Cloud Computing apps. and Carbonite, the backup your computer company is now allowing you access to your files form other computers.

So where is this all going? I am not sure about your pocket book, but mine is running on empty when it comes to buying software for my computer. In the past I had been telling people that the cost of computer would reduce rapidly as according to "Moores Law" while software would become ever more expensive to own. Until Open Source programs like OpenOffice became available I was correct. Now thanks to the Open Source Community and companies like Google, most applications from word processing to digital video editing can be found on the net for free.

Two problems that may arise will be when true software companies become extinct. Right now Microsoft dominates the world with it operating system and its Office Suite of programs. Norton and McAfee compete with each other for new paying customers to use their time tested anti-virus programs. All three of these companies now also compete with companies that offer free programs that in my book can offer better products. What  do you do?

It's up to you. If you are a computer geek, getting a free application is fine because technical support is not available. For novices, purchasing software may be the key because someone to help you figure out how to create a check box in your document is jut a phone call away.

Which ever way you decide to go the most important thing to look for is something that you personally like to use. Nothing is more frustrating then trying to get things just the way you like them if your biggest obstacle is your software.

Harry




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Monday, July 26, 2010

My Plan for America

The news I have been reading lately has been trying, and difficult at times. It seems neither the Democrats or the Republicans have a plan of action that will make America better. The have tried bailouts, stimulus, owning banks and a car company, etc. Basically spending us into oblivion. Joe Biden once told a crowd of people that we need to spend more money to get out of debt. The many Republicans are no better, being fiscally responsible to the point of being voted out. Now we are at a crossroads. Mid-term elections are right around the corner. There is no doubt that many incumbents will loose seats to newbies while others will be replaced with copies of their former selves. To me it out come means nothing. What will count is how they will vote and the following is what I propose they do.

 1) Repeal both the Health Care Bill and the Economic Reform Bill.
 2) Enforce current immigration laws.
 3) Secure our borders.
 4) Cut Federal spending in half.
 5) Institute a flat tax of 11-13% and remove the class war inviting progressive tax.
 6) Get rid of the Federal Reserve and print our own currency.
 7) End all Federal Entitlement Programs.
 8) Close all military bases over seas.
 9) If we are going to be a war we fight to win or bring our troops home.
10) No more Federal Foreign Aid in an shape or form.
11) Repeal the the 16th Amendment after debt is paid off
12) Repeal the 17th Amendment immediately

Wow that is a long list. Too long to write about in a short blog entry. I will though write about each one on the list and explain why it needs to be done. If you have other ideas, let me know. This is our country and we as the people need to take it back.



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Tuesday, July 13, 2010

Are Holidays Necessary?

Reuters reports today that "Muslim parents, students and civic groups are campaigning to add two of their religious holidays to the New York City public school calendar, pinning their hopes on state lawmakers after failing to win over Mayor Michael Bloomberg to the idea."

As a Catholic, there are many holidays that are not celebrated by having a day off from work or from school for that matter. The religious one Holiday they do recognize is Good Friday. Christmas falls in under winter vacation as does Easter. Students and some workers are  not compensated for Holidays that land on a week end.

Why don't I agree with the Muslim parents is when there was a Holy Day of Obligation, We were allowed to go in the evening to celebrate. Muslims need to adapt if they haven't already. This may call for a people to ask that Good Friday be removed as a Holiday and while they are at it Christmas should also go. I am sure they read the Constitution where is specifically says "there must be a separation of Church and State".

Well I hate to spoil you fun, there is no line in the Constitution or Bill of Rights that calls for a separation of Church and State. What it does say is this "
Congress shall make no law respecting an establishment of religion," Oops someone please point out in the Bill of Rights where it calls for the separation of Church and State. It was Thomas Jeffersion who in a letter is quoted as saying "there needs to be a separation of church and state. What he meant  to say The Federal Government has no right to establish  a church.

However this ends the only losers in this battle will be the children. There will be no more religious holidays again. Secularism will win while we continue to get rid of people who do not care for it citizens, its only careis power and money,


ularism is in and



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Thursday, July 8, 2010

Home Buying Check List

You might have noticed in the news that 30 year mortgage rates hit new record low. This is the perfect time to buy a home with many people selling or being foreclosed on it is a buyers market. To make one of the largest investments in your life I decided to put together a list of things you should know before spending your hard earned cash.

1) Be debt free. You should have no credit card payments, car payments, or owe money to any person or company. You should also have saved up an emergency fund  of 3 - 6 months. That means saved up 3 to 6 months of your take home pay in the bank. You also need to have 10% to 20% down payment before you get started.

2) Get pre-approved and lock in your interest rate for a 15 year not 30 year loan. When I went shopping for a loan I went to several banks and mortgage brokers before I got the interest rate I wanted and had it locked in for 90 days. Things you should have when you shop for a loan: Pay stubs at least the last two. Have a net worth worksheet worked out. You will be amazed at how much money you may qualify for, just remember your monthly payment should not exceed 25% of your take home pay. Now why a 15 year and not a 30 year loan, the difference in monthly payment is usually minimal however the interest paid is significant. Lets assume your house cost $100,000, you put down $20,000 and borrow $80,000 at 4.58%. Your monthly payment would be $410.00 a month and you will pay over $67,000 in interest over 30 year. Now lets change to a 15 year mortgage all other things remaining the same you will pay $616.00 a month and pay about 31,000 in interest over the 15 years. Paying an additional $206.00 a month will save you $36,000 in interest payments. Plus you house is paid for in half the time.

3) Never fall in love with a home and choose your Realtor wisely. I fired 3 before I found one that would listen to me. They would show me houses that I wanted to buy which was fantastic, however when it came time to make an offer on a home, the fist three would not do what I asked. They work for me not the other way around. For example, a home was listed for $187,000, my Realtor told me to bid full price, I said bid $130,000. They told me I needed to offer full price again, to which I said offer $130,000 or be fired. They chose to be fired. Remember any product is only worth what a person is willing to pay for it. The seller may want a lot more than what the buyer is willing to pay always negotiate. My home appraised for $138,000 and I bought it for a lot less. I liked the home but if I didn't buy it I wasn't going to cry, so by offering a lower price I was able to negotiate a lower price.

4) Get a home inspection and walk with the inspector. Be sure to include in your contract that if the inspector finds problems that the seller will pay to have the problems fixed at their expense or lower their asking price so that you will be able to fix the problems. I would always spend a few hundred dollars for an inspection to save thousands in the future.

Well that's my story. How yours turns out is up to you. If you need assistance I will be more than happy to coach you on the purchasing of your home. Send me an e-mail and we can start the process of home ownership.

Harry.

Wednesday, July 7, 2010

Still Unemployed? Why not try something New!

The job market is tight and may get tighter in the coming months as the recession will continue well into next year. Have you ever thought about doing something different from what you do now? I have on occasion been called a computer expert, geek, guru, and my all time favorite computer god, but did you know that I suck at programming? I do. I went to school to become a computer scientist and ended up becoming a professional salesperson instead. In fact for most of my life I have been in some form or another a professional sales person.

Today I use the skills as a professional sales person to promote myself and help others sell themselves to employers. I know that if you are a car technician you will make a great computer repair person. If you are teacher, have you ever thought about being a tour guide. How about selling that fantastic sauce you use on your food to others? If sticking to your current job isn't working out so well try something new.

As a Life Coach one aspect of my business is getting people back to work. I assist in reviewing your resume. I look at your life skills to match them to occupations that you may not have thought you could do. Just because you have been cleaning toilets for a living doesn't mean you need to wait for another similar job. Together we can explore the possible types of jobs that you would be good at and we may even find a job that turns into a career.

From today till July 21, 2010 I will be offering a free resume review. Just send me your resume as an attachment to hyonemura3@yahoo.com and I will return it with comments and suggestions. I make no promises that my suggestions will get you a job, however, having a second pair of eyes never hurts. You can also sign up for the personal one on one coaching with me. Just 30 minutes a week will change you life.

Harry.



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Tuesday, July 6, 2010

Opportunity Never Knocks

Cliches are used a lot by people, myself included. Winners don't quit and quitters never win, there is no i in team, etc. Are they true, self-fulfilling, or just plain lies? As leaders, managers, CEO's and entrepreneurs know all cliches are mostly false.

Thomas Edison often sold the idea of a product long before he had ever made it. Ron Popeil has sold thousands of products, the Pasta Machine, Pocket Fisherman, Knives, and many more, not because they were the top of the line products, because they offered the buyer the chance to achieve more by doing less. What made them succeed and why does it matter?

Both men understood that to make themselves successful they had to be first. No one knew that they needed the incandescent light bulb, moving pictures (Movies), a knife that could cut through a can and still slice a tomato paper thin, however once seen they needed one.

Henry Ford said "you could have a Model T in any color as long as it was black". Back then no one wanted a Model T, they wanted faster stronger horses. Henry Ford is remembered not as much for the cars he built, it was for his innovation of a assembly line. Without it the Model T would have taken months to build by hands and cost beyond what the everyday American could afford.

What sets you apart from other companies, managers, co-workers, or other entrepreneur? Are you going to wait around for opportunity? Seek opportunity. Create a SWOT (Strengths, Weaknesses, Opportunities, and Threats) works sheet. Forget about the weaknesses and develop your strengths. If you have a weakness that will get you in trouble at work let your boss know or contact a Life Coach like myself for guidance. Brainstorm the opportunities and don't limit yourself. Limiting yourself will only close doors. Threats are the hardest to identify. Ask yourself what person or thing will stop me from succeeding Be specific as to your course of action to counter act any threat.

If you need more one on one advise or are looking to make a change in your life e-mail me at hyonemura3@yahoo.com. First initial visit is free. All of my coaching is done over the phone, so please include a phone number and a time for me to call when you have no disturbances. Calls last 30 minutes and cost $25.00. I pick up the phone bill. If you would like longer sessions, we can work it out.

Harry

Thursday, July 1, 2010

Perfection My Addiction

Perfect data or information leads to the perfect choice. The problem I face most often is I can become aloof, dwelling on the consequences. What if this happens, or this, or this. Leading me to sometimes fail to even make a choice. What kind of leadership is that. None.

Henrik Edberg offers 7 tips to help:

1. Go for good enough.
Going for perfection will create a situation where a project or something else may never get done. When you realize there is something called good enough you will know that the thing you were working on is done.
Find balance between so you don't slack off putting a project aside until you have reached perfection or get loss polishing it till it shines. Find you balance through your experience.

2. Have a deadline
Setting a deadline is a good way to give yourself a kick in the butt letting you know when enough is enough.

3.Realize that you hurt yourself and the people around you buy buying into the myths of perfection.
Getting yourself loss in your own mind game of perfection will cause you to clash with people that may cause hurt and a lost friendships. Don't lose yourself in your desire to achieve perfection, think about the harm you can cause and bring yourself back to reality.

4. Accept that you are human and so is everyone else.
Self explanatory.

5. Compare yourself to yourself.
There are people who are better at thing than you are. This can lead to feelings of inferiority. So compare yourself to yourself. See how you have changed and improved over time.

6, Do what you think is the right thing.
You realize that perfectionism will hurt or harm yourself and others. When you do the right thing you will realize that other peoples expectations of have less control over you.

7. Live in and environment of human standards.
Emotions are contagious and so is perfectionism. Read magazines with realistic expectations. Spend more time with people who want to improve themselves. Live in an environment that leads you to a happy and content life.

Harry