Financial Common Sense
Thursday, April 29th, 2010
We believe so strongly that having a basic budget can change your life for the better, that we’re giving away our budgeting software for free.
Makes budgeting simple. Find out where you spend your money, reduce your spending and save for that great vacation or spa treatment.
Click to download: http://www.libertiny.com/libertinyfinancial3/libertiny_financial_simple_family_budget_2_2.xls
Wednesday, April 28th, 2010
How much of a difference does paying an extra $10 or even $100 per month make in reducing the time to pay off your loan. Should you pay off your loan?
These are some of the questions that you can answer with our loan analysis software.
Download it for free here:
http://www.libertinyfinancial.com/libertiny_financial_loan_analysis_1_1.xls
Friday, April 23rd, 2010
If you’re looking for a job or someone has contacted you and asked you to join their firm a variety of questions tend to cross our minds:
The last issue is generally comprised of Salary, Bonus, and Benefits. With the cost of benefits continuing to escalate much faster than inflation, the quality and financial value of your benefits need to be a part of your financial analysis.
Here are the 4 steps needed to make a well informed, apples-to-apples comparison of the total compensation being offered.
Wednesday, April 14th, 2010
A friend posted a link to an article with the title: “When Soda Was a Nickel and Social Security Wasn’t Much More.” The premise to the author’s article is that Social Security is a bad deal for a variety of reasons. But their analysis very much simplifies the complex calculations of Social Security and reviews one particular case: A high wage earner who is single. The link to the article is at the end of this one.
What about the rest of us and what assumptions are made for that single, high wage earner?
Sunday, September 27th, 2009
A 2009 September 22 article in Business Week by Jack Ewing goes on to explain that “Advances in fuel-cell technology and a commitment from the German government to build a fueling network mean automakers haven’t given up on hydrogen.” That may be true, but toward the end of his article, the question of operating costs for the user (at least the cost for fuel) finally comes up.
According to Business Week: “And the cost of generating an hour of electricity with a hydrogen fuel cell has recently dropped more than 20%, to $78. A drop to $30 is possible by 2015, which would make hydrogen competitive with gasoline.”
Competitive with gasoline on a cost basis? Not according to their own figures. Here’s why:
