Archive for December 2010

Disclosure Statement

This blog is a personal blog written and edited by the JosephSangl.com team. (That’s me!) The primary goal is to provide free financial tools for individuals and businesses.   It is also a means for providing financial support for our organization, IWBNIN, LLC.   By reading this website, you are helping us achieve our passion of helping people accomplish far more than they ever thought possible with their personal finances.   You are also helping us provide the vast majority of our content for absolutely free!

What does this mean, exactly?   It means that this blog accepts several forms of advertising payments.   Although we’re compensated through various relationships, we ALWAYS give honest opinions, findings, beliefs, or experiences on those topics or products.   The views and opinions expressed on this blog are purely our own. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question.

For questions about this blog, please contact me by email.   This disclosure is provided in accordance with the Federal Trade Commission’s 16 CFR, Part 255: Guides Concerning the Use of Endorsements and Testimonials in Advertising.

Write Down Your 2011 Goals!

Have you taken time to write down your goals for 2011 yet?   I have learned a basic truth in my life:

When I write down a goal, it is MUCH more likely to be achieved.

Perhaps you have discovered the same thing in your life?

Here are some tips to writing your goals for next year:

  • Review 2010
    • What should KEEP happening?
    • What should be done MORE?
    • What should you STOP doing?
  • Consider the longer term – 5, 10, 20, 30 years from now
  • Establish goals in the following areas:
    • Physical Health
    • Spiritual Health
    • Emotional Health
    • Family
    • Marriage
    • Financial
    • Career/Business
    • Fun

Share one or two of your goals with all of us – write them in the comments!

I’ll start:

  • Run the Indy 500 Half-Marathon again (13.1 miles – my fourth time)
  • Take my bride on a vacation that includes:
    • no children
    • sun
    • ocean
    • no Blackberry
    • no computer

Read recent posts

BONUS TIP: Reading these two series that I have written previously will really help you!

Another No-Debt Christmas!

I’m celebrating with my family another No-Debt Christmas!

It was December 2, 2002 when my family decided to NEVER finance our gift-giving again.   We chopped up on credit cards (because we allowed them to fuel our impulsive spending decisions), put together a Mini-Budget to plan exactly how much we would spend for each person, and then followed that plan!

So that has led to No-Debt Christmas events in:

  • 2002
  • 2003
  • 2004
  • 2005
  • 2006
  • 2007
  • 2008
  • 2009
  • 2010

That is NINE No-Debt Christmas times!

We have discovered some key things that have happened during our No-Debt Christmas times:

  • We focus more on family
  • There is less stress!
  • We don’t dread bills in January!
  • We’re able to focus on Jesus Christ – THE reason for Christmas!
  • Our savings have not been impacted because we saved for Christmas every single month of the year!
  • We can participate in giving like never before – because it is the season for giving!

How about YOU?   Is it a No-Debt Christmas for you?   If so, how many years in a row?   What have you discovered as you have experienced your No-Debt Christmas?

Read recent posts

Carbonite.com – Is It Worth It?

I remember the first time I got digital pictures – it was when my daughter was born in 1999.   I had my film developed at Wal-Mart and then scanned the pictures into my computer.   Within hours of my daughter’s arrival, my entire family throughout the world was able to see pictures of our beautiful baby girl!   The technology!!!

Then I received a digital camera for Christmas from my twin brother.   I think it was a 0.5 MP camera.   Then I got another, better, digital camera.   Then another.   Then my phone had a digital camera.   Then my daughter got a digital camera.

All of this added up to THOUSANDS of priceless photos on my computer.   Not to mention all of our other important documents we’ve stored on the computer.

When a buddy recently LOST all of his files – all of his pictures, movies, iTunes music, and more – I determined to do something about it.

I had heard talk radio show hosts mentioning Carbonite.com as a way to automatically back up files.   I decided to check it out in August.   They have a FREE TRIAL that allowed me to sign up and try it out without even giving them my credit card info.

Bottom line is: I LOVE IT!   So much so that I have put it on my home computer and work computer.   My team has put it on their computers.   In fact, one team member recently got a virus and had to wipe the hard drive clean – then they just used their Carbonite backup to get up and running again!

Here are some things I have noticed:

  • It WILL slow your computer down a little when it is backing files up, but all I have to do is click “pause” and it will wait until a later time to back-up.
  • I can easily see which files are backed up and which ones aren’t simply by checking my “file explorer” – files that are backed up have a small solid green dot – those that aren’t have an orange dot.
  • When I signed up my one computer for the free trial and then paid for the service to continue, I received a 50% off offer for it to be installed on a 2nd computer – I used this for my home computer.
  • It takes some time for the first back-up.   It took Carbonite about a week to fully back up all of my files the first time.   Now it does it in minutes.
  • The cost is worth it to me.   It costs around $55/year.   If I lost those files, the cost is much MUCH greater!   I actually group this cost in with “insurance” – as it is insuring my data and pictures against loss!

You can check it out HERE.

Read recent posts