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Eyes Wide Open
I'm sitting in my hotel room in Palo Alto after 20 hours of travel from Hampshire, England. Amy and I took our Q3 vacation in the English countryside at the Hampshire Four Seasons where we had a glorious week off of the grid. I find myself really wanting to be tired, but I am so far beyond tired that I'm wide awake well past midnight California time.

Beware the Hockey Stick in Your Budget
We are deep in budget season as the last board meeting of the year typically includes the 2010 Budget – or at least the “2010 Draft Budget” or “2010 Budget – Draft”. This is also known as “the joy of cramming a spreadsheet into a powerpoint presentation.”

Consumers Continue to Choose Credit Cards Over Mortgages
A new TransUnion study shows that the usual payment hierarchy of mortgages over other debts, like credit cards, remains reversed, with consumers paying down cards before worrying about mortgages. It augurs many more housing defaults ahead.

All About Earnings
In order to see if this market has legs and can continue, we must first take look at what has been causing it to rise in the first place. Quite frankly, the only things causing this market to move up are the hope and prayer that second quarter earnings aren’t going to be absolutely atrocious!

Mastermind Your Way To Business Success
While I’m a firm believer in goals, I’m not a big believer in New Year’s resolutions; mainly because it has been my experience that most resolutions are repeated year after year and forgotten by the time we sober up on January 2nd.

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