- RT @ramseyshow: RT @E_C_S_T_E_R_I_: "Stupid has a gravitational pull." -D Ramsey as heard n NPR. I know many who have not escaped its orbit. #
- @BudgetsAreSexy KISS is playing the MINUTE state fair in August. in reply to BudgetsAreSexy #
- 3 year old is "reading" to her sister: Goldilocks, complete with the voices I use. #
- RT @marcandangel: 40 Useful Sites To Learn New Skills http://bit.ly/b1tseW #
- Babies bounce! https://liverealnow.net/hKmc #
- While trying to pay for dinner recently, I was asked if other businesses accepted my $2 bills. #
- Lol RT @zappos: Art. on front page of USA Today is titled "Twitter Power". I diligently read the first 140 characters. http://bit.ly/9csCIG #
- Sweet! I am the number 1 hit on Ask.com for "I hate birthday parties" #
- RT @FinEngr: Money Hackers Carnival #117 Wedding & Marriage Edition http://bit.ly/cTO4FU #
- Nobody, but nobody walks sexy wearing flipflops. #
- @MonroeOnABudget Sandals are ok. Flipflops ruin a good sway. 🙂 in reply to MonroeOnABudget #
- RT @untemplater: RT @zappos: "Do one thing every day that scares you." -Eleanor Roosevelt #
Iggy Azalea – Ghost Writer or Artist? Will it affect her bottom line?
There has been a lot of controversy surrounding Iggy Azalea. Some of it has to do with her appearance and some of it has to do with her lyrics. There have been rumors in the rap industry that Iggy uses a ghost writer.
Specifically, the accusation that her mentor T.I. has ghost wrote many of her songs. But does it matter?
Many people in the rap industry have ghostwriters. Kanye West started out as a ghostwriter. He wrote lyrics and music for many big stars. Neo is another artist that started out as a ghostwriter. This shows that there it’s not unusual. Dr.Dre has spoken about hiring people to write his songs. Ghostwriting is very popular in the Hip Hop community. Many of the most popular artists got their start writing lyrics or music for other singers. The only time it enters into the conversation is when artists get into feuds.
The newest accusation against Iggy comes from fellow female rapper Nicki Minaj. Nicki won an award at the BET awards and when she was accepting the award she insinuated that Iggy does not write her own material. This is publicity and will only help both rappers. Nicki is the top female rapper and she is taking notice of Iggy. It’s common in the Hip Hop world for competitors to get into public arguments. This dates back to the old East Coat v.s. West Coast rap feud. The good thing about this controversy is that neither Nicki or Iggy are gangster rappers so there won’t be any violence. Some rappers like The Game and 50 Cent and Nas and Jay Z used these feuds to become superstars.
This sort of controversy won’t hurt Iggy Azelea. Take Beyonce as an example of a successful artist who uses ghostwriters. No one cares that Beyonce doesn’t write her own songs. All people care about is if the song is good. As long as Iggy and her producers keep choosing good songs and making good music, then she is going to sell records. Her feud with Nicki is only going to add to her popularity. This type of feud helped other rappers such as Nas, JayZ, Eminem, and 50 Cent.
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Real Estate Customer Life Cycle
Recently, my wife and I have been searching for new tenants for our rental property. That’s an irritating customer cycle. We’ve had more no-shows at the showings than we’ve had prospects show up. Most people who call seem to think that the rent on a 2 bedroom, 1.5 bathroom house with a big yard and a 3 car garage 5 minutes from downtown Minneapolis is going to match their little subsidized Section 8 apartment.
Not going to happen.
So we keep looking. In the meantime, it’s interesting to look at how a real estate trainer breaks down the life cycle of a customer.
Enjoy!
NEC Online Degrees
Mortgage Race
I spent last week at the Financial Blogger Conference. Saturday night was the big debauch, a 90s themed hip-hop dance party.
Yeah.
Instead, Crystal, Suba, and I hosted a super-secret pizza party to let some of the less “dance party” inclined attendees discuss things like the sanitary concerns of group body shots, sex toys, and horror movies.
During the course of the party, Crystal and I decided to race to pay off our mortgages.
Her balance is just under $25,000.
My balance is $26,266.40.
We both technically have the cash to pay off the balances right now, but we are both dealing with secondary housing issues. She’s building a new one, and I’m updating an inherited house. Neither of us is willing to use our cash reserves to pay off the balance right this moment.
Now that my credit card is paid off, I’ve moved that money to an extra interest-only payment on my mortgage, effectively doubling my mortgage payment, which puts my projected payoff date as about the end of next year. Crystal’s aiming for June, so I’ll have to hurry.
We do have tenants lined up for February, and all of the non-expense related rent will go to the mortgage.
I think I can win.
Update:
I forgot to mention the terms of the bet. The loser has to go visit the winner. When I win, Crystal’s going to fly to Minnesota to experience snow.
Book Review: The Art of Non-Conformity
We grew up in a world of expectations: Eat your vegetables, don’t poop on the carpet, do your homework. It continues right up to “Go to college”, “Get married”, “Having a dozen kids”. Are those the expectations you want to use to guide your life?
Chris Guillebeau, author of The Art of Non-Conformity (the blog and the book) puts the question like this: We we were younger, we heard “If everyone else was jumping off of a cliff, would you do that too?” In theory, that meant we were supposed to think for ourselves. Yet, as adults, we are absolutely expected to conform and do the things everyone else is doing. Work your 40, take a week’s vacation once a year, and repeat until retirement or death.
Is that our only choice?
The Art of Non-Conformity attempts to be a guidebook, showing you how to live the live you want to live. Chris has made a lifelong series of decidedly unconventional choices, from dropping out of high school to attending 3 colleges simultaneously to spending 4 years as a volunteer in Africa. For the past few years, he has been working his way through visiting every country in the world. He is an expert on non-conformity.
The books tells a lot (a LOT) of stories of people who have either made the leap into a self-defined life or people who have done nothing but talk about taking that leap while staying comfortable in their soul-numbing careers.
The Good
The Art of Non-Conformity is an inspirational book. It spends a lot of time explaining how to break through the wall of fear to take control of your like. More important, it explains why you’d want to. It does not pretend to define how you should live your life, it just provides the framework for the mentality to help you make that decision for yourself.
The Bad
If you’re looking for a step-by-step guide, complete with a list of possible work-alternatives, this isn’t the book for you. This book approaches lifestyle design from the conceptual end rather than the practical. If you want a practical manual, I’d get the 4 Hour Workweek by Timothy Ferris. Ideally, you should get both. They complement each other well.
Overall, I thoroughly enjoyed the book. If you’re considering taking a non-standard path or just hate the career- or life-track you are on, you should read The Art of Non-Conformity. I’m planning to read it again in a couple of weeks, just to make sure I absorb all of the lessons.
Choosing an eCommerce Platform to Sell Products Online
According to the U.S. Online Retail Forecast, 2011 to 2016, a report conducted by global research and advisory firm Forrester, eCommerce sales in the United States topped $200 billion in 2011. This figure is set to rise by a staggering 62% by 2016, with the resulting $327 billion in annual eCommerce sales accounting for 9% of total retail sales. Spurred by innovative shopping models and online loyalty programs, the eCommerce sales channel is clearly benefiting from the increasing levels of comfort customers are feeling while shopping online. It’s not too late for companies of all sizes to reap the benefits of growth in this area. Assuming a product is ready to sell, the digital landscape boasts several eCommerce platforms and related services that will help companies to sell products online.
eCommerce Platforms: Several Flavors of Opportunity
eBay and Amazon: Ready Made eCommerce Platforms
Online retailers eBay and Amazon offer a quick and easy route for any business to start selling products online. The global reach of these sites means marketers gain immediate access to an audience of millions of potential customers. Despite increasing publicity in respect of the fees charged by the sites, particularly by eBay, a growing number of traders boast a turnover in excess of $1m. If nothing else, these platforms represent a practical opportunity for new companies to get started in online retail.
Shopify: Out-of-the-box Online Retail Stores
To date, over 20,000 business owners are using Shopify to realize the benefits of selling products online. This creative software allows businesses to use their own domain name, includes eCommerce hosting and an integrated shopping cart. It also boasts many online store designs customizable with over 100 ecommerce website templates. Payment for the service is made monthly with different plans available to suit businesses of varying sizes.
Facebook: Move Over Farmville
The phenomenal growth of social media has surprised most Internet users. With Facebook membership expected to exceed 900 million users by the end of 2012, a report from comScore, ‘The Power of Like, ‘ claims that customers are between 40 and 150 times more likely to consume branded content that is visible in their newsfeed than they are to visit a particular business page. Startups like 8th Bridge and Payvment are helping online retailers take advantage of this trend with the provision of innovative eCommerce solutions that encourage users to shop where they socialize.
Wordpress: It’s not just for Bloggers
While it’s true to say that WordPress was initially targeted at bloggers, it is now better described as a competent eCommerce and CMS platform. It’s a perfect option for those businesses who prefer to do things their way. Users can take advantage of free or premium eCommerce website templates and various WordPress plugins that will see their site turn from a basic blog site to a fully functional online retail store in minutes. Although all the potential eCommerce platforms discussed required that due diligence is given to marketing and optimization strategies, a business running its own online store should prioritize these aspects of success.
From Bricks to Clicks
The ‘clicks not bricks’ mentality is set to grow beyond the most idealistic of visions. Savvy business owners will give appropriate consideration to which eCommerce platforms will best suit their needs and that of their business. Many will come to the conclusion that the best solution is a combination of platforms.
This is a guest post.
