Thursday, December 30, 2010

Affiliate Making Money


Hi, I’m Tris and I write books.


And I’m pretty excited about the coming age of ebooks and the potential of Google Editions. According to the WSJ, Google Editions could be coming to the U.S. soon and other countries soon after. TNW is right on top of the news about this, but I wanted to take the author’s privilege and wax poetic about what this might mean for writers and authors.


First, you need to know that I don’t write fiction, I write for Pearson Technology Group (Que, Sam’s, and many others). I write books on blogging, WordPress, and social media. My publisher is betting big on ebooks and how ebooks will make the books I write more interactive, in depth, and up to date than ever before. I gather from another WSJ article on ebooks that fiction writers are none-to-pleased with ebooks and how they are making less money since the dawn of “e”. Myself, well, let’s say Pearson is more forward thinking about how ebooks and authors and publishers are good for each other. In the world of tech writing, being able to be lighter and faster is much, much better than waiting.


Case in point, my latest book Using WordPress. There are three entire chapters (not to mention additional audio and video commentary) that we were able to keep electronically, though they couldn’t make it into the paper book. If it wasn’t for the electronic versions, you wouldn’t have that. Unfortunately, my publisher isn’t perfect. If you buy the book electronically, you still have to go to the publishers site to get the additional chapters.


But I digress.


Google Editions.


Several things excite me about Google getting into publishing. First is that they aren’t going to be tied to a physical ereader. They are starting off from the perspective of distributing content. Which is how it should be. But that independence might come at a price: adoption. I have an iPad, as you know, and I buy and read most of my books through Toronto-based Kobo. I’ve liked the Kobo reader from the start, it had a better reading experience from the get go (not to mention pulling the DRM from the books I bought so I could load them into iBooks wasn’t fun). However Kobo is affiliated with a couple of existing bookstores (up here it’s Chapters-Indigo), will I be able to read Google ebooks that I buy with the Kobo reader that has the rest of my books? Will I be able to read them in iBooks? Big question there about whether or not Google Editions will take off. I might be able to add another reader to my iPad, but Kindle, Nook, and Kobo Reader owners can’t.


According to reports, I sounds like I’ll be able to offer affiliate links for readers to buy my (and other) books through Google Editions, just like Amazon. This could be something that will help Google gain traction early on. We know that Adsense is a pretty successful venture for Google. We know it works and can be pretty good for earning money on a site. I don’t see any reason why Google Editions will be any different.


So, we have a potentially more independent book seller, not tied to a physical reader, who will also let me earn money by recommending books. I’m good with this so far.


But will Google Editions help independent publishers and authors? Will it help niche writers expand their audiences? I’m going to work off a couple ideas here to say: yes on both. First, if a publisher wants to push more electronic books, the production costs are certainly less with digital editions than “dead-tree” versions. So being able to take more risks on authors who they might otherwise pass on, is a win for us scriveners. On the distribution front, until now, Amazon ruled the roost for self-published ebooks. While details aren’t available right now, I would suspect that Google would love to poke Amazon with a sharp stick and offer ebook publishing services as well. That gives publishers and authors another outlet, that means competition. That sounds good to me.


Here is the bottom line. I’ve always seen ebooks as a boon for authors and publishers who can adapt to them. I’m not saying paper books are going anywhere (though for me they keep going in drawers), I’m saying that ebooks allow authors to offer books to a large audience while keeping costs low with lower print runs. If the ebook sells better than the paper one, well don’t print as many of the paper ones.


Yes, not everyone will be able to take advantage of this and Google Editions might wind up like Google Wave and Buzz, but I think that in the last few months we’ve seen more interest in epublishing not less and I think this interest is going to turn into success for Google.


If they don’t blow it.


But hey, what do I know. I’m just Tris, and I just write books.







A milestone reached by mobile music discovery service Shazam: the company says it has come good on its promise and reached 100,000 users, picking up 25 million in the last six months alone.



The figures do not break out how many of those are active users, as opposed to those who have dipped into the service once and never again.

See more of our latest Regulatory coverage
or add an alert for future coverage of Regulatory.



But there is evidence that it is making a good return on those who do manage to stay for longer: the original, core service of Shazam lets users enter a snippet of music into an app, or via a mobile website - the service is available via Android, BlackBerry, BREW, iPhone, iPad, J2ME, Symbian and Windows - which Shazam then uses to find the full track. In January Shazam said it was referring 260,000 users to affiliate sites like iTunes on a daily basis as a result of those searches.



Although Shazam has been around for a decade already, it is only in the last few years, with the takeoff in mobile data and smartphone usage, that the service has really come into its own.



This year, Shazam has been moving well beyond its music roots, using the “audio fingerprint” as a way of unlocking other kinds of content. Shazam has partnered with brands in marketing campaigns, and with television shows from the likes of NBC (NYSE: GE) and HBO, to let users “Shazam” clips from ad campaigns and programs to be led to further content: along the lines of an aural version of QR codes.



It has also been trying to further exploit its market footprint by also selling advertising real estate around its own apps: earlier this month it launched expanding ad services, selling the entirety of its inventory to Universal Music until the middle of January, 2011.



While Shazam announced it was profitable back in October 2009, it is still mulling what might be the next step. The company previously told paidContent that it would consider an IPO, more recently Will Mills, head of music and content for Shazam said the company wasn’t focussing on who would buy the company.






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Stubborn Joblessness Among Vets Darkens US Economy - AOL <b>News</b>

The newly reported drop in jobless claims belies continued rough going for America's Iraq and Afghanistan war veterans, who are experiencing 10 percent unemployment.

Windows Phone Marketplace hits 5000 Apps and is Cracked

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Geraldine Hoff Doyle, the woman whose face inspired the famous.


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Tuesday, December 28, 2010

personal finance books




When Ebooks Are More (and Less) Cost Effective Than Physical Books





While many may prefer eBooks for the convenience they offer (or prefer paper books for the sentimentality), finding out which is cheaper isn't so black-and-white. Personal finance blog Get Rich Slowly shows us how to save the most money when buying books.

Photo by Pen Waggener.


All other preferences aside, it looks like eBooks are cheapest then the books are extremely new or extremely old:




  • E-books are great for new releases. For new books, the electronic version is almost always the cheapest way to go. At a friend's house the other day, I noticed he'd paid $29 for the latest John Grisham book. $29!!! That's insane. That John Grisham book costs $16 at Amazon, and the Kindle version costs $10. In fact, most e-books cost between $10 and $12. When the cost savings is combined with the space savings, e-books are the clear winner for new releases.

  • E-books are okay for classics. Anything that's in the Public Domain (published before 1923) can generally be downloaded to your e-book reader for free. Sometimes the formatting is goofy, and there usually isn't any supplemental material (like essays and notes), but you do get the books at no cost. (Searching for free Kindle books? Here's Amazon's list of free eBook collections, and here's their best-sellers in the Kindle store, including free books on the right.) Of course, these books can usually be had for cheap (or free) in their dead tree versions, so there's not a huge savings here.

  • E-books suck for most titles published between 1923 and, say, 2008. Books from the past century are still priced between $5 and $10 in electronic editions. This is ridiculous. You can borrow these for free from your public library. Or you can go to a used bookstore, a garage sale, or a thrift store to pick them up for less than they cost in digital format. Plus, tons of popular books aren't evenvailable electronically. (A real-life, typical example: Cry, the Beloved Country costs $12 on the Kindle. A brand-new paperback copy from Amazon? $9. The mind boggles.)



It's a rather interesting pattern, though good to know if you don't particularly have a preference for one over the other. Of course, if you find eBooks are just too darn convenient and instantaneous (or you prefer to have the physical copy for sentimental, ease of lending, or other reasons), you can always stick to your preferred media and we won't yell at you.


Note that the above also doesn't take into account the cost of buying an e-reader, which only pays for itself if you read a lot of books, so unless you use it for other things anyway, you'll want to keep that in mind as well. Hit the link to read more, and if you've noticed a similar patter, share how you manage your book buying in the comments below.


Benjamin Weaver is an outsider in eighteenth-century London: A Jew among Christians; a ruffian among aristocrats; a retired pugilist who, hired by London's gentry, travels through the criminal underworld in pursuit of debtors and thieves.

In A Conspiracy of Paper, Weaver becomes entangled with a crime of the most personal sort, involving the mysterious death of his estranged father, a notorious stock-jobber. To find the answers he seeks, Weaver must contend with a garrulous prostitute who knows too much about his past, estranged relatives who remind him of his alienation from the Jewish faith, and a cabal of powerful men in the world of British finance who have disguised their business dealings with an intricate web of deception and violence.

The more Weaver discovers, the darker the truth becomes, until he realizes that he is following too closely in his father's footsteps-and they just might lead to his own grave. Relying on brains and brawn, Weaver uncovers the beginnings of a strange new economic order based on stock speculation - a way of life that poses great risks for investors, but real dangers for Weaver and his family.

An enthralling historical thriller, A Conspiracy of Paper will leave readers wondering just how much has changed in the stock market in the last three hundred years..."
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Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

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Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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Brad Friedman and Desi Doyen: Green <b>News</b> Report: December 28, 2010 <b>...</b>

IN 'GREEN NEWS EXTRA' (see links below): The reactor on your roof: Caltech breakthrough uses solar power to generate liquid fuel; Fmr. Shell president predicts $5-a-gallon gas by 2012; EPA develops neurotoxicants list; Obama admin takes ...

Making <b>News</b> and Entertainment More Social in 2011 - Facebook <b>...</b>

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Thursday, December 23, 2010

Moms Making Money


From Claire Berlinski in City Journal:



You see, about a month ago, I asked my mother to bail me out. I knew she’d do it. She’s done it before. She sent me money she’s been saving toward my retirement. I resolved to stop spending money on stupid things. (There was really no excuse for that lamp, Mom, I know. Sorry! In my defense, I was sure there was a genie in it.)


With my mom paying my rent, I’ve been able to charge less for what I write and stay in the black. VoilĂ , I’m selling a cheaper product (for now) than Reuters and AP. That will teach them where to stuff their “good investment decisions” and their “economies of scale.” I fired the guy who does my odd jobs—it was painful, but it had to be done. So, congratulations to me! I’m making it in this tough business climate, with a little help from Mom. America’s back! And if I’m broke again in a year, I’ll hit her up again. (Don’t forget, Mom, that you really have no choice: no matter what you do, I’m still going to be a huge financial drag on you. If I fail, I’ll end up coming home with all my cats. You don’t want me sleeping on your couch, do you? And you sure don’t want to see what my cats would do to that couch. Antique, I believe it is?)


All of this is, alas, a perfectly accurate description of my financial life. The reader may wonder about my mom’s wisdom in going along with this plan. That’s between me and her—she loves me, and it’s her money, not yours. The money that went to GM was yours, however. And I suppose you must love GM as if it’s your profligate kid, because surely you could not be so credulous as to believe these reports about the spectacular success of the bailout.



There was a rush to buy GM shares last Thursday, when the company, which emerged from bankruptcy restructuring last summer, held an IPO. The company has been drowned in taxpayer cash. It’s going to be fine in the short term. No one should be surprised by this. Anyone—and any company—can get back in the black in the short term if someone gives it a ton of money. And who wouldn’t want to invest in a company that everyone knows won’t be allowed to go down? All the merchants in my neighborhood would lend me money, too, if I asked, confident that their loan would be repaid. A “generous American mom” sounds pretty good to them.


Of course, GM is paying back its new loans, though this doesn’t help investors who hold old GM stock; that’s worthless. By the way, I’m also considering stiffing my creditors. The GM example proves that it will result in an immediate improvement of my balance sheet. GM’s production numbers have been increasing, and mine have, too: it’s a lot easier to write when you’ve got peace of mind. Whether anyone will buy the stuff I’m writing, God knows, but my word count is definitely up, and that, apparently, is the number that matters.


Note that GM is still producing those gas-guzzling pickups and SUVs that no one seemed to want before. Great news for me: I’ll just keep writing about the arcana of Turkish constitutional politics. It’s what the market should want. Turkish politics are fascinating. I don’t know what’s wrong with Americans. If they understood what was good for them, they’d want to be better informed about Turkey. (They’d want that Volt electric car, too. I hear it’s much better for the environment.)


Naturally, I’ll pay my mother back. Here’s how: I’m going to have her put a small percentage of all the money she’s given me in an escrow account, which I’ll call a “working capital” account. Then I’ll transfer the rest of my assets to her. (Good news, Mom: you own seven cats and seven litter boxes.) Then I’m going to use the money from that escrow account to pay her back at an interest rate no one but my own mother would give me. As soon as I empty the escrow account, I’ll declare the loans repaid. What do you mean, that makes no sense? That’s just what the U.S. governmentdid for GM, and no one finds that problematic, do they? Never mind that the cash part of the loan has been repaid from TARP, or that this in fact represents only about 15 percent of the total bailout, or that the rest remains tied up in the automotive equivalent of cats and litter boxes. By the way, I’m thinking of bundling all my liabilities into a separate company, just like GM. I’ll call the company “Some other Claire who can deal with the creditors, never heard of that Claire.”


Read the whole thing here.




The other day I blogged with a funny Santa photo of my daughter, which I made into our holiday card that year. Even though my little one still has some fears of Santa, the vast majority of kids find him fun and fascinating. As you may have read in Lisa Sikora’s blog post last week, Windows and Southwest Airlines are partnering to bring you Holiday Photos on the Fly. This is a great opportunity to have your photo taken with Santa for free. Once your photo is taken, you’ll get a printed copy and later you can logon to www.freeholidayphotos.com to retrieve and share your photo. Southwest and Windows are offering this great opportunity in 26 airports, as well as kiosks located at Bryant Park in NYC and Skyline Park in Denver. If you can, make sure you take advantage of this great opportunity – who can beat free!

Now that covers fun with Santa, but I personally also strive for that great family photo to share out and I commonly face the familiar crisis I’m sure many parents also go through: It’s December 1st and I need a nice family photo for our holiday cards! Thankfully, this task has been made much easier with a few great inventions.

First, Windows Live Photo Gallery now provides a special touch of magic, enabling you to very quickly fix nearly any photo and create perfection. This includes the tool Photo Fuse, which allows you take several photos of the same group shot and merge them together to create the photo YOU want – you may have seen this in recent “To the Cloud” TV advertising and it seriously is that easy! Essentially, you can now have that perfect group or family photo without every person having to smile at the same time. I told you…just like magic. For any parent, taking that perfect picture can be very daunting. Photo Fuse has saved me time and money, as I now don’t have to pay for a professional photographer to capture everyone in the right pose. Once you have taken your group photos, simply open Photo Gallery, highlight the set of photos you want to fuse together and click Photos Fuse (under the create tab) and presto! For in depth tips and steps on how to do this, see my previous blog post on photo editing in Windows Live, which will show you how to use Retouch, Auto Adjust and Photo Fuse.

Second, there are a plethora of tools available to help you create fun holiday cards, whether you want to send yours electronically or pay for a professional service print and mail cards out for you. Additionally, advancements in photo printers have made it easier than ever to print your own photo cards at home. I like the Epson Artison 725 All In One printer, which is not only very affordable at just under $200, but also gives you hi-definition prints and is the world’s fastest 4” x 6” photo printer. Since I’m usually in a rush to get my cards and invitations out the door, I like to use online software to create my own masterpiece and then print them up myself at home, which guarantees I’ll get my cards out to friends and family before the New Year.

For more information on the Epson Artison 725 printer, my colleague Brandon will be doing a review of it on the Windows Experience Blog in the coming weeks.


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epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

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epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

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epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

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bench craft company scam

CLASSIC: Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos <b>...</b>

epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

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Small Business <b>News</b>: Your Social Media Update

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bench craft company scam

CLASSIC: Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos <b>...</b>

epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

CLASSIC: Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos <b>...</b>

epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

CLASSIC: Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos <b>...</b>

epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

CLASSIC: Probably Bad <b>News</b>: Headline FAIL - Epic Fail Funny Videos <b>...</b>

epic fail photos - CLASSIC: Probably Bad News: Headline FAIL.

Neandertal Relative Bred With Humans - Science <b>News</b>

Previously unknown Siberian group left fingerprints in some humans' DNA.

Small Business <b>News</b>: Your Social Media Update

How important is social media to your small business? Social media is no longer a little subject. It may be one of the most important forms of marketing and.


bench craft company scam

Wednesday, December 8, 2010

Making Money Working

AT&T, T-MOBILE AND VERIZON WIRELESS ANNOUNCE JOINT VENTURE TO BUILD NATIONAL MOBILE COMMERCE NETWORK


Isis to Lead the U.S. Payments Industry from Cards to Mobile Phones; Available to All Merchants, Banks and Wireless Service Providers; Venture Led By Former GE Capital Financial Executive


New York – November 16, 2010 – AT&T Mobility, T-Mobile USA and Verizon Wireless today announced the formation of a joint venture chartered with building ISIS™, a national mobile commerce network that aims to fundamentally transform how people shop, pay and save.


Isis’ initial focus will be on building a mobile payment network that utilizes mobile phones to make point-of-sale purchases. By utilizing smartphone and near-field communication (NFC) technology to modernize the payments process, Isis intends to deliver new levels of competition and value to consumers and merchants. Isis expects to introduce its service in key geographic markets during the next 18 months.


Michael Abbott has been named as Chief Executive Officer of Isis. Formerly with GE Capital, Abbott is a veteran financial services executive with extensive experience in the payment and technology industries.


“Our mobile commerce network, through relationships with merchants, will provide an enhanced, more convenient, more personalized shopping experience for consumers,” said Michael Abbott, Chief Executive Officer of Isis. “While mobile payments will be at the core of our offering, it is only the start. We plan to create a mobile wallet that ultimately eliminates the need for consumers to carry cash, credit and debit cards, reward cards, coupons, tickets and transit passes.”


Isis Brings Both Consumer and Merchant Scale


Founding members, AT&T Mobility, T-Mobile USA and Verizon Wireless, collectively provide wireless services to more than 200 million consumers who will have access to the Isis service. Isis is working with Discover Financial Services’ payment network, currently accepted at more than seven million merchant locations nationwide, to develop an extensive mobile payment infrastructure for the joint venture.


Barclaycard US, part of Barclays PLC, is expected to be the first issuer on the network, offering multiple mobile payment products to meet the needs of every customer.


“We believe the venture will have the scope and scale necessary to introduce mobile commerce on a broad basis. In the beginning, we intend to fully utilize Discover’s national payment infrastructure as well as Barclaycard’s expertise in contactless and mobile payments,” said Abbott. “Moving forward, Isis will be available to all interested merchants, banks and mobile carriers.”


How It Works


The new venture will enable contactless mobile payment and commerce services using near-field communication technology. NFC uses short-range, high frequency wireless technology to enable the encrypted exchange of information between devices at a short distance. The new system is being designed and built to include strong security and privacy safeguards.


About Isis


The joint venture is between AT&T Mobility LLC, T-Mobile USA and Verizon Wireless and is based in New York City. The venture is chartered with building ISIS™, a national mobile commerce network that will fundamentally transform how people shop, pay and save. The Isis mobile commerce network will be available to all merchants, banks and mobile carriers. ISIS is a trademark of JVL Ventures, LLC in the U.S. and/or other countries. Other logos, product and company names mentioned herein may be the trademarks of their respective owners.


This guest post is by Roman from how this website makes money.


Two years ago I stumbled across the concept of blogging for money.  Instantly it hit me as the perfect thing: sit behind a computer, design a site, write, be my own boss, work from home, what could be better? I knew nothing about traffic, SEO, backlinks, Pagerank, or keywords.  I knew nothing about how to make money with a website.  So what did I do next?  I registered the domain name howthiswebsitemakesmoney.


Looking back all I can do is laugh at my arrogance.  Like thousands before me and thousands who will come after me, my first attempt at blogging was a site about making money online.


Two years later, I know how to start a site, I know how to write content, I know about SEO, I know about backlinks, I know how to add advertisements … but I still do not know how to make good money online.  The site makes dimes a day, not dollars.


The site has been two years of disappointment.  Two  years of waking up in the morning and seeing the same green egg in AdSense.  Two years of waiting for a four-digit affiliate check with my name on it.  Two years of working without pay.  Two years of scratching my head.


So I asked for advice, and every time the reply was the same: create a site about something else. Create a site about what you know and what you enjoy.  Do not create a site with the intent to make money, create a site with the intent to help people by doing something you enjoy doing.


What happened when I changed my intent


Six months ago I created a new site.  This time my intent was pure pleasure.


I live in Prague and I love it here.  So I made a little site about how great Prague is and what people should do when they come for a visit.  It was built in a month.  In a gust of activity I designed the site and wrote the content.


It was so easy.   I did not agonize over what to write about.  The content flowed effortlessly from my head to the keyboard.  I did not have to take long walks with the dog or waste water standing dazed in the shower coming up with new ideas.  I just sat down at the computer and wrote about what I know.  It was so easy I actually looked forward to it.


As an afterthought, I created a simple page where people can order a real postcard from Prague.  Visitors select a picture of Prague and fill out a form indicating what they want written on the postcard.  After they hit the Submit button I get the request by email.  I grab a postcard and, like an ancient scribe long before computers, lick the tip of the pen and write.  After pounding a Prague stamp on the postcard I toss it into the mailbox on my way to work. I charge $4.00 for this five minutes of work.


I created this site with no aspirations of becoming rich, no day dreams of shaking hands with Oprah, no imagined scenes of telling my employer to find some other donkey to kick around. I created the website because it was easy for me to do and I enjoyed it. I made it because I needed a break from my ‘real’ website. I expected nothing to happen.


Again, I was wrong.


My hand is ink blue from all the postcards I have written.


I wrote a postcard from a son playing a trick on his mother: “Hi, Mom!  Sorry for not calling in last few days.  But I am in Prague with friends.  Having a great time and the beer is sooo cheap.  Say hi to Dad.”


I have written postcards to countries all over the world.  Some of them in languages other then English—I have no idea what I am writing. Fortunately, the order form does not allow Chinese characters!


I get emails from people thanking me for the information they found on the site, thanking me for the postcard, asking for more information.


I feel like I am making the world a better place.  I made a website about something I know about and am interested in and people are thanking me. Emotionally it is a soft, warm, fuzzy ball.


And yes, I am making money.


Intend to enjoy and you might make money


I learned a lot about making money online not from my site about making money, but from licking postage stamps.


New arrivals to the make-money-online scene go through the same initiation—they start out with the intent to make money, then fail to make more then a pile of pennies.  For some it means the end and they quit, but for others this brutal introduction teaches them that their intent needs to change.


Of course, making money is about traffic, clicks, affiliates, backlinks SEO, but it’s also about finding something you enjoy doing.  If your intent is only to make money the odds are stacked against you: you will probably quit.  But if your intent is to do something you enjoy then you will keep moving forward until one day, you will be surprised to find that you are making money.


What’s your intent?


Roman intends to figure out how this website makes money.  He has been trying to do that for two long years, so when he needs a break and do something fun he goes onto his other website to send a real postcard to his mother who misses him very much.



bench craft company scam

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<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

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The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


bench craft company scam

<b>News</b> - Britney Spears Tells Us About &quot;Best Birthday of My Life <b>...</b>

She and beau Jason Trawick escape a fake abuse scandal at a luxe resort in Mexico.

The arrest of Julian Assange: as it happened | <b>News</b> | guardian.co.uk

Follow the latest reaction and fallout as the WikiLeaks founder Julian Assange is denied bail, and the latest leaked cables reveal US plans to defend Poland and Baltic states against Russia.

<b>News</b> Corp. COO: Please Don&#39;t Associate Us With Our Newspapers <b>...</b>

Rupert Murdoch may have printer's ink flowing through his veins, as is often said of the News Corp. chairman, but for his No. 2, president and COO Chase Carey, newspapers are more like an albatross around the neck.


Tuesday, December 7, 2010

Making Money Work

This guest post from Jacq Jolie is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes. You can read more about Jacq’s story at Single Mom Rich Mom.


On 31 December 2009, I finished what I hope will be my last full-time, permanent job. I’ve worked a bit here and there over the past year, but it’s on my own terms, and not because I have to. I’m now semi-retired at the age of 45. But what does that mean?


About nine years ago, after reading Your Money or Your Life, I changed from an under-earning, confused woman to a woman with a mission: to never have to work again (unless I wanted to). In November of last year, I reached the Crossover Point, where the income from investments exceeded my expenses. (I think it actually happened sooner than that, but I hadn’t been paying attention.) At last, nine years after first figuring out what I wanted to work hard and save money for, I’d reached Financial Independence.


I’m fortunate that in the last few years, I’ve managed to raise my income so that I can work a few months a year and earn the same amount as I have working full-time (and overtime!) in previous jobs. I’m also fortunate that my wants remain relatively small and I never succumbed to lifestyle inflation. I’ve never wanted a big house, a fast car, or exotic travel.


In a “normal” year, I can easily live on about $36,000, including mortgage payments of about $15,000 per year (that I’m prepaying). So I knew that my Crossover Point was somewhere around $20,000/year with a paid-off house. In the next year, I intend to downsize and move to a (mortgage-free!) townhouse that will be close to public transit for those times I choose to work, and, more importantly, be low maintenance to allow for periods of long travel during the summers.


I’m trying not to plan too far in advance. I want to be flexible. My hope is that I can continue to work part-time or a few months a year for the next 5-10 years until a part of my pension is eligible for withdrawal. My net worth is somewhere around the $500-600k mark, not including pensions. Since I don’t have any intention of touching my savings for the next ten years, I’m hopeful that it will last as long as I need it. If not, I’ll go back to work full-time for a couple of years.


I think what Financial Independence has given me has been a confidence in life itself — that I can handle anything that comes up. If life is difficult, sometimes throwing a bit of cash at a problem resolves it. It’s also given me the freedom that I first dreamed of when reading Your Money or Your Life — that I could work because I enjoyed working, and that I could have my life be about more than work. I have the flexibility to leave any work situation that doesn’t contribute to my overall happiness.


Having lived very frugally for long periods in the past, I experienced frugality burnout earlier this year. I’ve consciously been spending more lately on the things that I’ve “deprived” myself of over the last almost 30 years I’ve been working. For example, my bed was over 50 years old and desperately in need of replacement. A new bed is being delivered this week, and I couldn’t be happier. I’ve also stopped thinking that I should DIY everything; I’ve had house cleaners come in this last month — something I would never have considered doing just six months ago.


Part of me still worries about the future:



  • What is it like to be looking for a job and networking once I get over 50?

  • Will it be hard — or impossible — to find work if I stay out of the job market too long?

  • What if the stock market falls again?

  • Are my investments too aggressive or not aggressive enough given that I hope not to draw down on them for quite some time?

  • Am I jumping too fast? Should I keep working full-time for a few years and get to that magical million and give myself even more of a buffer?


I only have a year of semi-retirement under my belt, so I’m not sure if that’s necessarily a “success”; I’m still just learning what works. I do know I’ll never go back to a regular job again though and definitely not go back to driving myself as hard as I have in the past again. My hope is that my approach is flexible enough and that I’m resourceful enough to survive and thrive through whatever lies ahead.



Raising money for a hackable, open hardware-based USB protocol analyzer






A stellar pair of reverse engineers, bushing and pytey from iPhone DevTeam/Team Twiizers, have launched a Kickstarter fundraiser to back OpenVizsla, a open/hackable hardware-based USB protocol analyzer. They've got my support -- this work will continue to enable free/open drivers for everything from iPods to 3G modems, and allow indie software developers to continue making tools that interact with our hardware:




USB has a standard, published interface that is properly described (at great length) but the actual protocols for connected devices are not common and are often proprietary to the individual vendors or manufacturers. USB succeeded at eliminating most strange cables, but requires custom drivers for many types of hardware.

Often, these USB protocols are intentionally obfuscated to make them confusing and complex in order to attempt to restrict support to the original manufacturer of the device. In this case the USB packets themselves hold the key to the information that is necessary to write independent third party drivers.


Protocol analysis and reverse engineering is needed to create such drivers and these tasks rely on the real-time capture of USB traffic. Software-based analyzers are available, but only useful in certain limited applications.

Hardware based protocol analyzers are expensive and are usually out of the reach of most independent developers, hobbyists and hackers. The most popular products cost $1400+ and, with few exceptions, use proprietary Windows-only client software, proprietary protocols, and proprietary data formats that are hard to export for use with other software.


OpenVizsla will be a completely open design of a device that can capture USB 1.1/2.0 (high-speed, full-speed and low-speed) traffic passively between a target USB device and the connected host (usually a PC, but potentially anything that has a USB host port -- think Xbox 360 and PS3). It will be controlled by any computer using open-source client software or potentially in standalone mode (where captured traffic is stored onto an on-board SD card).



"OpenVizsla" Open Source USB Protocol Analyzer



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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This guest post from Jacq Jolie is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes. You can read more about Jacq’s story at Single Mom Rich Mom.


On 31 December 2009, I finished what I hope will be my last full-time, permanent job. I’ve worked a bit here and there over the past year, but it’s on my own terms, and not because I have to. I’m now semi-retired at the age of 45. But what does that mean?


About nine years ago, after reading Your Money or Your Life, I changed from an under-earning, confused woman to a woman with a mission: to never have to work again (unless I wanted to). In November of last year, I reached the Crossover Point, where the income from investments exceeded my expenses. (I think it actually happened sooner than that, but I hadn’t been paying attention.) At last, nine years after first figuring out what I wanted to work hard and save money for, I’d reached Financial Independence.


I’m fortunate that in the last few years, I’ve managed to raise my income so that I can work a few months a year and earn the same amount as I have working full-time (and overtime!) in previous jobs. I’m also fortunate that my wants remain relatively small and I never succumbed to lifestyle inflation. I’ve never wanted a big house, a fast car, or exotic travel.


In a “normal” year, I can easily live on about $36,000, including mortgage payments of about $15,000 per year (that I’m prepaying). So I knew that my Crossover Point was somewhere around $20,000/year with a paid-off house. In the next year, I intend to downsize and move to a (mortgage-free!) townhouse that will be close to public transit for those times I choose to work, and, more importantly, be low maintenance to allow for periods of long travel during the summers.


I’m trying not to plan too far in advance. I want to be flexible. My hope is that I can continue to work part-time or a few months a year for the next 5-10 years until a part of my pension is eligible for withdrawal. My net worth is somewhere around the $500-600k mark, not including pensions. Since I don’t have any intention of touching my savings for the next ten years, I’m hopeful that it will last as long as I need it. If not, I’ll go back to work full-time for a couple of years.


I think what Financial Independence has given me has been a confidence in life itself — that I can handle anything that comes up. If life is difficult, sometimes throwing a bit of cash at a problem resolves it. It’s also given me the freedom that I first dreamed of when reading Your Money or Your Life — that I could work because I enjoyed working, and that I could have my life be about more than work. I have the flexibility to leave any work situation that doesn’t contribute to my overall happiness.


Having lived very frugally for long periods in the past, I experienced frugality burnout earlier this year. I’ve consciously been spending more lately on the things that I’ve “deprived” myself of over the last almost 30 years I’ve been working. For example, my bed was over 50 years old and desperately in need of replacement. A new bed is being delivered this week, and I couldn’t be happier. I’ve also stopped thinking that I should DIY everything; I’ve had house cleaners come in this last month — something I would never have considered doing just six months ago.


Part of me still worries about the future:



  • What is it like to be looking for a job and networking once I get over 50?

  • Will it be hard — or impossible — to find work if I stay out of the job market too long?

  • What if the stock market falls again?

  • Are my investments too aggressive or not aggressive enough given that I hope not to draw down on them for quite some time?

  • Am I jumping too fast? Should I keep working full-time for a few years and get to that magical million and give myself even more of a buffer?


I only have a year of semi-retirement under my belt, so I’m not sure if that’s necessarily a “success”; I’m still just learning what works. I do know I’ll never go back to a regular job again though and definitely not go back to driving myself as hard as I have in the past again. My hope is that my approach is flexible enough and that I’m resourceful enough to survive and thrive through whatever lies ahead.



Raising money for a hackable, open hardware-based USB protocol analyzer






A stellar pair of reverse engineers, bushing and pytey from iPhone DevTeam/Team Twiizers, have launched a Kickstarter fundraiser to back OpenVizsla, a open/hackable hardware-based USB protocol analyzer. They've got my support -- this work will continue to enable free/open drivers for everything from iPods to 3G modems, and allow indie software developers to continue making tools that interact with our hardware:




USB has a standard, published interface that is properly described (at great length) but the actual protocols for connected devices are not common and are often proprietary to the individual vendors or manufacturers. USB succeeded at eliminating most strange cables, but requires custom drivers for many types of hardware.

Often, these USB protocols are intentionally obfuscated to make them confusing and complex in order to attempt to restrict support to the original manufacturer of the device. In this case the USB packets themselves hold the key to the information that is necessary to write independent third party drivers.


Protocol analysis and reverse engineering is needed to create such drivers and these tasks rely on the real-time capture of USB traffic. Software-based analyzers are available, but only useful in certain limited applications.

Hardware based protocol analyzers are expensive and are usually out of the reach of most independent developers, hobbyists and hackers. The most popular products cost $1400+ and, with few exceptions, use proprietary Windows-only client software, proprietary protocols, and proprietary data formats that are hard to export for use with other software.


OpenVizsla will be a completely open design of a device that can capture USB 1.1/2.0 (high-speed, full-speed and low-speed) traffic passively between a target USB device and the connected host (usually a PC, but potentially anything that has a USB host port -- think Xbox 360 and PS3). It will be controlled by any computer using open-source client software or potentially in standalone mode (where captured traffic is stored onto an on-board SD card).



"OpenVizsla" Open Source USB Protocol Analyzer



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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This guest post from Jacq Jolie is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes. You can read more about Jacq’s story at Single Mom Rich Mom.


On 31 December 2009, I finished what I hope will be my last full-time, permanent job. I’ve worked a bit here and there over the past year, but it’s on my own terms, and not because I have to. I’m now semi-retired at the age of 45. But what does that mean?


About nine years ago, after reading Your Money or Your Life, I changed from an under-earning, confused woman to a woman with a mission: to never have to work again (unless I wanted to). In November of last year, I reached the Crossover Point, where the income from investments exceeded my expenses. (I think it actually happened sooner than that, but I hadn’t been paying attention.) At last, nine years after first figuring out what I wanted to work hard and save money for, I’d reached Financial Independence.


I’m fortunate that in the last few years, I’ve managed to raise my income so that I can work a few months a year and earn the same amount as I have working full-time (and overtime!) in previous jobs. I’m also fortunate that my wants remain relatively small and I never succumbed to lifestyle inflation. I’ve never wanted a big house, a fast car, or exotic travel.


In a “normal” year, I can easily live on about $36,000, including mortgage payments of about $15,000 per year (that I’m prepaying). So I knew that my Crossover Point was somewhere around $20,000/year with a paid-off house. In the next year, I intend to downsize and move to a (mortgage-free!) townhouse that will be close to public transit for those times I choose to work, and, more importantly, be low maintenance to allow for periods of long travel during the summers.


I’m trying not to plan too far in advance. I want to be flexible. My hope is that I can continue to work part-time or a few months a year for the next 5-10 years until a part of my pension is eligible for withdrawal. My net worth is somewhere around the $500-600k mark, not including pensions. Since I don’t have any intention of touching my savings for the next ten years, I’m hopeful that it will last as long as I need it. If not, I’ll go back to work full-time for a couple of years.


I think what Financial Independence has given me has been a confidence in life itself — that I can handle anything that comes up. If life is difficult, sometimes throwing a bit of cash at a problem resolves it. It’s also given me the freedom that I first dreamed of when reading Your Money or Your Life — that I could work because I enjoyed working, and that I could have my life be about more than work. I have the flexibility to leave any work situation that doesn’t contribute to my overall happiness.


Having lived very frugally for long periods in the past, I experienced frugality burnout earlier this year. I’ve consciously been spending more lately on the things that I’ve “deprived” myself of over the last almost 30 years I’ve been working. For example, my bed was over 50 years old and desperately in need of replacement. A new bed is being delivered this week, and I couldn’t be happier. I’ve also stopped thinking that I should DIY everything; I’ve had house cleaners come in this last month — something I would never have considered doing just six months ago.


Part of me still worries about the future:



  • What is it like to be looking for a job and networking once I get over 50?

  • Will it be hard — or impossible — to find work if I stay out of the job market too long?

  • What if the stock market falls again?

  • Are my investments too aggressive or not aggressive enough given that I hope not to draw down on them for quite some time?

  • Am I jumping too fast? Should I keep working full-time for a few years and get to that magical million and give myself even more of a buffer?


I only have a year of semi-retirement under my belt, so I’m not sure if that’s necessarily a “success”; I’m still just learning what works. I do know I’ll never go back to a regular job again though and definitely not go back to driving myself as hard as I have in the past again. My hope is that my approach is flexible enough and that I’m resourceful enough to survive and thrive through whatever lies ahead.



Raising money for a hackable, open hardware-based USB protocol analyzer






A stellar pair of reverse engineers, bushing and pytey from iPhone DevTeam/Team Twiizers, have launched a Kickstarter fundraiser to back OpenVizsla, a open/hackable hardware-based USB protocol analyzer. They've got my support -- this work will continue to enable free/open drivers for everything from iPods to 3G modems, and allow indie software developers to continue making tools that interact with our hardware:




USB has a standard, published interface that is properly described (at great length) but the actual protocols for connected devices are not common and are often proprietary to the individual vendors or manufacturers. USB succeeded at eliminating most strange cables, but requires custom drivers for many types of hardware.

Often, these USB protocols are intentionally obfuscated to make them confusing and complex in order to attempt to restrict support to the original manufacturer of the device. In this case the USB packets themselves hold the key to the information that is necessary to write independent third party drivers.


Protocol analysis and reverse engineering is needed to create such drivers and these tasks rely on the real-time capture of USB traffic. Software-based analyzers are available, but only useful in certain limited applications.

Hardware based protocol analyzers are expensive and are usually out of the reach of most independent developers, hobbyists and hackers. The most popular products cost $1400+ and, with few exceptions, use proprietary Windows-only client software, proprietary protocols, and proprietary data formats that are hard to export for use with other software.


OpenVizsla will be a completely open design of a device that can capture USB 1.1/2.0 (high-speed, full-speed and low-speed) traffic passively between a target USB device and the connected host (usually a PC, but potentially anything that has a USB host port -- think Xbox 360 and PS3). It will be controlled by any computer using open-source client software or potentially in standalone mode (where captured traffic is stored onto an on-board SD card).



"OpenVizsla" Open Source USB Protocol Analyzer



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...


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Hulu plans its own entertainment <b>news</b> show, but will anyone watch?

As Peter Kafka at MediaMemo reports, Hulu is currently casting for a presenter for the show which will be published daily, taking a 'Daily Show'-style satirical approach to the latest entertainment news. Hulu (backed by US TV giants NBC ...

Steve Lopez: Dodgers divorce ruling good <b>news</b> for fans who want <b>...</b>

Around my office, the reactions were nearly unanimous recently when it came time to decide whether to keep our shares in a Dodgers season-ticket plan. One guy had the good sense to opt out; the rest of us saps, who...

Good <b>News</b>, for a Change (SWJ Blog)

Ann Marlowe, not known for optimistic reporting and commentary on our efforts in Afghanistan, takes a different tone in her Weekly Standard piece entitled Good News, for a Change. BLUF: "… Zabul seems to be on an upward path. ...



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