Forbes wrote that as banks are grappling in their battlefield, they may have civilian casualties. Expect to be bled when banks are given the opportunity to offer a premium service such as overdraft fees and ATM fees for a hefty rate, and that those fees will be increasing and less frequently waived. Banks have realized that they must collect from their customer base in every corner of the market if they are to expect to survive in this gory economic times.
Forbes comforts the reader by offering the same common sense advice I believe in for dealing with the opponent: know the battlefield and plan ahead.
So far 2008′s been a bumpy year for my 401k It’s dipped to some of it’s lowest lows. The past week has seen a slow and steady increase back to the bottom of last year’s median range. I’d like to see it really take off this year, but what with economists saying there’s a 50-50 chance of a recession, I’m cautious trying to make any assumptions this early.
I’ve been thinking, and I’ve discovered a few things that I think would make us more successful, both socially and financially, if we implemented them in our daily To Do list. Many of these are common sense, and maybe we already do these on some kind of regular basis. But when it comes to our daily To Do List, they should be there, but they probably aren’t.
- Review yesterday
- Make someone happy
- Make a new friend
- Give something away
- Learn something
- Invest in yourself
- Invest in a partner (spouse, family, friend)
- Surprise yourself
- Plan for tomorrow
Yesterday, I took advantage of the $25 bonus with ING Direct. I opened an account at ING Direct savings account with an opening balance of $250 on a referral from a friend. I should get the bonus deposit in 30 days. I’m excited to finally get started on an emergency fund account. This marks the first achievement of my 2006 goals and new years resolutions.
Here it is, a few minutes before 2006.
I’d like to wish everyone has a safe and happy new year.
As I’m taking this time to look forward to what lies ahead, I’m also looking backwards and reflecting on some of my achievements.
Looking at my accomplishments, I know I have it in me to overcome challenges. I’ve set goals, and I’ve met them.
I’ve learned some incredible lessons this year. Here’s the list of lessons I’ve learned this year (in no particular order):
- There are no problems, only challenges.
- Never give up.
- Make daily progress.
- Be grateful.
- Be generous.
- Be fearless.
- Time is on my side.
- Everyday is a gift.
- Learn continuously.
- There may be a better way for everything.
Please share what you’ve learned in 2005.