So here we are at the final step step 9. I’ve been thinking all week about if I feel more like a smart couple who will finish rich. I mean - I’ve always felt smart in general and my spouse is a pretty smart cookie too. But are we smarter about money now than we were when we started and do we believe we too can finish rich? I’m going to have to give that more thought as I learn Step 9: Increase Your Income By 10% in 9 Weeks. If this involves my spouse asking for a raise it just isn’t going to happen - he’s not assertive like that and his company has a strict schedule of salary reviews (once a year that’s it). And of course. I was correct and the income increase results from a raise of your current salary. You deserve a raise! And honestly in reading the chapter. I feel swayed by the argument. It is not going to get my spouse to ask for a raise but it might if it were me (easy for me to say that though because I’m not the one who has to do it heh). But let’s look at what the chapter offers before getting into a huge discussion about it. The ProActive Income (what Bach calls it) Nine Week Plan begins! Basically the beginning of the chapter is all about why you deserve a raise (as long as you’re good at your job). It costs less to keep good employees than hire new ones but even so loyalty is not generally rewarded because it doesn’t have to be (the employee stays complacent at the lower salary and never tries to leverage more). This chapter is all about being paid what you’re worth and that involves asking for (and receiving) a 10% raise. If you are self-employed you raise your rates by 10%. Week One is taking stock of the reality of your situation which is determining your true hourly wage determining if the company you are working for is growing or declining and making sure you are in action mode and not complaint mode. In week two determine exactly what you want and put it in writing and then in week three clean up your mess! The office home everywhere. Make it all neat and sparkly. Week Four begins the big action phase - being clear on how YOU add value. This involves talking to your boss. Then in weeks five through eight you work up to asking for the raise - by focusing on what part of your effort at work brings the most results looking for a new job practicing asking for the raise and then in week eight - do it. Ask for that raise! Week Nine is for the celebration. In reading the chapter honestly it sounds completely reasonable. It sounds like a recipe for success! Which is why in a few words debt stinks. My spouse won’t do this and frankly. I don’t really want him to. With any reward comes a bit of risk and if this backfired and he lost his job well… we’d be in a whole heap of trouble. If we were $30,000 less in debt then there would be a LOT more room for risk-taking. That both motivates me to try and be even more proactive about finding ways to reduce our debtload and also depresses me about the situation we are in. On the other hand. I’ve tried to implement some of the strategies in the book in my own income generation. I’ve bumped prices where appropriate in my alternative income ventures and that is actually working out fine. I also am working on adding another source of income (tutoring) to my arsenal which is not increasing my income in the way the book suggests but is increasing my flexibility and income streams. So… we’ll see. The book has been a good read for me and I have a lot of final thoughts which I’ll share next week in my final installment of my review of Smart Couples Finish Rich with a note about the epilogue and resources in the back of the book as well as my overall feelings about where I was when we started reading the book and where we are now. And I’ll have to find a new book to read… hmm. His advice about asking for a raise probably doesn’t apply to everyone. In fact as a commissioned advisor - how did he ask for a raise? I thought his suggestions about finding out what your “market value” is was excellent. There are people out there who are underpaid and can give themselves that 10% raise (or more) by getting a new job. Well wouldn’t he ask for a raise by raising his rates? Although I doubt he needs a raise now :). He wrote a book! lol I liked the determining market value section too. I didn’t go into each of the weeks in detail because I started to and realized i was just rewriting the book. I got sidetracked though by thinking to myself “What if spouse’s employer found out he was looking around and fired him?” I’m a wee bit paranoid. For no good reason spouse’s employer loves him and he gets glowing reviews etc etc but just… paranoid. With self awareness comes a better concept of the reality of our situation and reality ain’t always pretty. I am just a girl in debt. I am not an expert on personal finance or anything even close. Nothing on this blog constitutes advice. It is just my opinion and what I have chosen to do with my time and money. Advertisements on the blog are not specifically endorsed by me and do not necessarily reflect my views. Have a splendid day!

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couples bloggers, take a bit of your day to say Hi to Carli Banks. She has a nice new teaser video for you.
~Ray



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be your recommendations for dinner on a Monday night for 2 couples. All are serious foodies and booze drinkers. Budget is about $50 pp excluding booze/taxes/tip. Anywhere in the downtown core out will do as ordain any call of cuisine. The key inform is that the resto should undergo an excellent booze list-covering a variety of regions with good price points and excluding crappy vintages at over-inflated prices. In other words-not interested in a wine list that represents good producers with the worst vintages at stupid markups for the unwitting consumer. Food should be solid. Right now I'm thinking Reds because I've heard great things about Michael Steh and the wine enumerate seems ok. Comments anyone? I think Red's is quite excellent. And they do undergo a very come up considered wine list including a good selection of value priced glasses and bottles. But I'm not positive you could get out for $50 pp change surface before extra... I would think that something-like $60-75 would be more desire it for three courses. What about JKWB? You've probably been before but the menu is varied enough that there's always something new. This is just me but I was totally underwhelmed by Kultura. Very beautiful but I thought the food was entirely meh and the service a little bumbling and inexpert. Plus our server "didn't experience much about wine," which was kinda disappointing. Strangely my experiences recently are the opposite of yours. At Reds in late summer the food was disappointing. No pizazz; just ordinary. Good bottle wine enumerate (although very recent vintages) but ordinary by the glass. I was at Kultura last Monday (first time in around 6 months) and was very impressed with the food. The samosas (in particular) were superb. And the sommelier (Kim Cyr - often rated as one of the finest in Toronto) open some very interesting wines for us (e g the Charles Baker riesling which is rarely found because of limited production). And each wine was served in a different shaped glass according to varietal - not something I've found at Reds. JKWB is also good - but MUCH more casual (although the OP specified casual). I'm in a minority over JKWB - I 'hate' the open kitchen as the various smells from the food preparation destroy the booze matches of the food I'm eating. But good wine selection for sure. The serving sizes were erratic. The servings of naan and edamame were extremely generous in comparison to the serving sizes of any meat/fish dishes we ordered which tended to be on the small side. Our server insisted we try the naan with raita as a complement to the lobster ravioli that already came with a beat sauce. Not sure why he thought a sour yogurt sauce would complement the delicate taste of lobster in a cream sauce. I wondered if he encouraged the naan as a filler since the serving of ravioli was so small. Would love to comprehend what someone thinks of Chez Victor. Chef is David Chrystian who has cooked at many places in his young career beginning with To Go catering then Patriot and the Drake for a little while. Usually comes equipped with a good wine enumerate. I found the winelist there pretty ordinary. Similarly the food. I used to enjoy Chrystian's food - but he seemed to hit a wall at Patriot and I have never been quite as impressed since. I was pleasantly surprised at the price at Chez Victor - I expected it to be more expensive but neither the food nor the wine has dragged me approve. So just the one 'adequate' experience for me. Crush wine bar might be of arouse... I have never been blown away by the food but I would exposit it as solid. And I sight that they have interesting wine pics so you could probably have a pretty good time snobbing it up. It's a nice room and a very fun place to spend the evening. Crush is like a "local" for me-I love it there and go frequently so I'm looking for something different. I've heard mixed things about Kultura's food and the space seems a little too "I'm trying way too hard to be cool". I have heard wonderful things about Kim Cyr however. I don't think the vibe ordain fit for anyone in the party. Looking at price points. hunt is correct in pointing out that Reds will be more in the $60-75 range. Same for Opus. Right now I'm leaning toward trying out JKWB again. I was immensely disappointed last year when I went (also incidentally on a Monday night). The food was VERY meh and oversalted and the wines were such a cut that I honestly couldn't get over the air this place generates. A very large assort of experienced wine drinkers was with me so we tried every single booze by the glass that night hoping that something would rest out. To no avail. So this is all to say that I ordain give this place one more shot. I really want to figure out once and for all whether this place deserves the kudos it gets or if it's just really intelligent marketing. It's Rodney's (of Rosebud fame) new restaurant. There were 4 of us and we had a great time followed by a good conversation with the chef himself. Italian leaning inspiration there these days (Bolognese Papardelle. Rabbit Gnocchi. Mixed Mushroom and Arugula salad). We had a wonderful Amarone by Zinardi for $59. only a $16 markup Rodney informed us. If you like rich food but with good strong flavours. I'd advise trying out Citizen.

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Want your recommendations for dinner on a Monday night for 2 couples. All are serious foodies and wine drinkers. Budget is about $50 pp excluding wine/taxes/tip. Anywhere in the downtown core will do as will any style of cuisine. The key inform is that the resto should have an excellent booze list-covering a variety of regions with good determine points and excluding crappy vintages at over-inflated prices. In other words-not interested in a booze list that represents good producers with the beat vintages at stupid markups for the unwitting consumer. Food should be solid. Right now I'm thinking Reds because I've heard great things about Michael Steh and the wine list seems ok. Comments anyone? I think Red's is quite excellent. And they do have a very come up considered wine list including a good selection of determine priced glasses and bottles. But I'm not positive you could get out for $50 pp change surface before extra... I would think that something-like $60-75 would be more like it for three courses. What about JKWB? You've probably been before but the menu is varied enough that there's always something new. This is just me but I was totally underwhelmed by Kultura. Very beautiful but I thought the food was entirely meh and the service a little bumbling and inexpert. Plus our server "didn't know much about wine," which was kinda disappointing. Strangely my experiences recently are the opposite of yours. At Reds in late summer the food was disappointing. No pizazz; just ordinary. Good bottle booze list (although very recent vintages) but ordinary by the furnish. I was at Kultura last Monday (first time in around 6 months) and was very impressed with the food. The samosas (in particular) were superb. And the sommelier (Kim Cyr - often rated as one of the finest in Toronto) found some very interesting wines for us (e g the Charles Baker riesling which is rarely open because of limited production). And each wine was served in a different shaped glass according to varietal - not something I've found at Reds. JKWB is also good - but MUCH more casual (although the OP specified casual). I'm in a minority over JKWB - I 'hate' the change state kitchen as the various smells from the food preparation destroy the booze matches of the food I'm eating. But good booze selection for sure. The serving sizes were erratic. The servings of naan and edamame were extremely generous in comparison to the serving sizes of any meat/fish dishes we ordered which tended to be on the small align. Our server insisted we try the naan with raita as a complement to the lobster ravioli that already came with a cream act. Not sure why he thought a change state yogurt sauce would complement the delicate taste of lobster in a cream act. I wondered if he encouraged the naan as a filler since the serving of ravioli was so small. Would love to hear what someone thinks of Chez Victor. Chef is David Chrystian who has cooked at many places in his young go beginning with To Go catering then Patriot and the Drake for a little while. Usually comes equipped with a good booze list. I found the winelist there pretty ordinary. Similarly the food. I used to enjoy Chrystian's food - but he seemed to hit a wall at Patriot and I have never been quite as impressed since. I was pleasantly surprised at the price at Chez Victor - I expected it to be more expensive but neither the food nor the booze has dragged me approve. So just the one 'adequate' experience for me. press wine bar might be of interest... I undergo never been blown away by the food but I would describe it as solid. And I find that they have interesting wine pics so you could probably have a pretty good time snobbing it up. It's a nice room and a very fun displace to pay the evening. Crush is like a "local" for me-I like it there and go frequently so I'm looking for something different. I've heard mixed things about Kultura's food and the space seems a little too "I'm trying way too hard to be cool". I undergo heard wonderful things about Kim Cyr however. I don't think the vibe will fit for anyone in the party. Looking at determine points. Rabbit is correct in pointing out that Reds will be more in the $60-75 range. Same for Opus. Right now I'm leaning toward trying out JKWB again. I was immensely disappointed last year when I went (also incidentally on a Monday night). The food was VERY meh and oversalted and the wines were such a bore that I honestly couldn't get over the hype this place generates. A very large assort of experienced wine drinkers was with me so we tried every single wine by the glass that night hoping that something would rest out. To no avail. So this is all to say that I will give this displace one more shot. I really want to figure out once and for all whether this place deserves the kudos it gets or if it's just really intelligent marketing. It's Rodney's (of Rosebud fame) new restaurant. There were 4 of us and we had a great time followed by a good conversation with the chef himself. Italian leaning inspiration there these days (Bolognese Papardelle. Rabbit Gnocchi. Mixed Mushroom and Arugula salad). We had a wonderful Amarone by Zinardi for $59. only a $16 markup Rodney informed us. If you like rich food but with good strong flavours. I'd recommend trying out Citizen.

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If you're in a "commuter marriage" - you and your spouse are separated by hundreds/ thousands of miles because of a job - and would like to talk to me for a story gratify contact me at atodorova@smartmoney com. My cerebrate is on the financial implications of having a "two-household" household so to speak. Do you intend/ manage the family finances differently as a result? What are the challenges? What are the benefits and drawbacks? beat Answers in: Using LinkedIn (8). Enterprise Software (7). Professional Networking (3). Software Development (3). Blogging (2). Computers and Software (2). Web Development (2). Freelancing and Contracting (1). Job examine (1). Charity and Non-Profit (1). Government Policy (1). Offshoring and Outsourcing (1). Customs. Tariffs and Taxes (1). Criminal Law (1). Contracts (1). Corporate Law (1). Advertising (1). Viral Marketing (1). Writing and Editing (1). Planning (1). Starting Up (1). Computer Networking (1). Information Security (1)

Britney Spears Makes a 4 Hour Sex Tape?! Download and enjoy this hot video right now!

If you're in a "commuter marriage" - you and your spouse are separated by hundreds/ thousands of miles because of a job - and would like to talk to me for a story please contact me at atodorova@smartmoney com. My focus is on the financial implications of having a "two-household" household so to speak. Do you plan/ bring home the bacon the family finances differently as a result? What are the challenges? What are the benefits and drawbacks? Best Answers in: Using LinkedIn (8). Enterprise Software (7). Professional Networking (3). Software Development (3). Blogging (2). Computers and Software (2). Web Development (2). Freelancing and Contracting (1). Job Search (1). Charity and Non-Profit (1). Government Policy (1). Offshoring and Outsourcing (1). Customs. Tariffs and Taxes (1). Criminal Law (1). Contracts (1). Corporate Law (1). Advertising (1). Viral Marketing (1). Writing and Editing (1). Planning (1). Starting Up (1). Computer Networking (1). Information Security (1)

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