Your Ultimate Financial Management Tool

Published / by Molly Whitehouse

Budgeting Money tools budgeting

A Boy Scout uses a set of drawings to build a bird house. If he didn’t the roof might not be the right size.

Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all.

Not very smart of us, is it?

A money plan is called a budget and it is crucial to get us to our desired financial goals.

Without a plan we will drift without direction and end up marooned on a distant financial reef.

If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.

Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.

A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.

Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. Just use any search engine you choose and type in “free budget forms”.

You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to.

If you don’t remember anything else from this post, remember this one thing: A budget is not a “you can’t have that” tool, it is a “you CAN have that if you budgeted for it” tool. Just think ahead a little, and you will put yourself in great financial shape in no time!

Serendipity in Action

Published / by Molly Whitehouse

I get performance leads from several places. Some people Children's party entertainmentrecommend me as the birthday party magician or I have some listings online. One such lead company is Gig Salad. I get a few leads, and I follow up, usually with a phone call. On this particular day, I had a lead from “Emad”. No large amount of specifics, just “birthday party for 7 yr old daughter”. Name: Emad, phone and email. I called the phone number and got a recording like “Please leave a message for 612 555-1212”. Well, I had not called “612-555-1212”, so I knew the number must have been forwarded. I left my message, and went on with my other leads. A few days later, I followed up with another phone call. Same message. At this point, I figured the lead was no good. No harm, no foul.

A couple of weeks later, I was attending the “Kinect For Developers” meeting. This was a group of about 50 developers who wanted to learn how to “HACK” the Kinect. Very geeky, and technical. I had an idea for an application, so I decided to join in. When I arrived, the room was set up with 15 or so tables so that attendees could group in about four to six per team. I sat at a table that was already occupied by another gentleman. We exchanged pleasantries and then got down to getting the wireless to work on the laptop. Yossef joined the table next. Then Bob and Larry. And finally, one of Yossef and Larry’s co-workers: “EMAD”. We all had name tags, and of course, having the experience with Gig Salad the several days earlier, I was stunned to find someone named Emad at my table. More jokingly than serious, I asked: “Were you looking for a magician for your daughter’s birthday party a couple of weeks ago?” Emad looked stunned! “Why, yes I was. Why do you ask?”

Well, I’m MrGoodfriend, and I left you a couple of messages. I guess you realize that since this coincidence is so outrageous, you will HAVE to hire me now!

His daughter opted for a bounce house and clown.

Two Business “Don’ts” I Recently Experienced

Published / by Molly Whitehouse

I generally want to write and speak in the positive. I find it more often entertainment than sage wisdom when reading the “10 Don’ts” list. “Ten thing not to do when standing in a puddle of water!”. “Seven things not to say to your wife when you’ve had too much to drink.”

I think you get the picture.

So, today, I am writing to tell you “Two things your business should NOT practice.” Here we go, I’m sure they won’t be as entertaining as “7 things not to say to your wife”, but I’ll take my chances.

Create A Negative Environment

That sounds pretty simple and you would think no business owner would cultivate a climate of negativity in their business. I’ll just spell out my real life example and you can draw your own conclusion.

I got to visit one of our customers to do some automation improvements. When I called to make the appointment, I was greeted with a very negative ‘receptionist.’ This is often the case with a small company where the owner is being ‘protected’ by this first line of defense. Usually, when they understand that I am calling on business requested by the owner, this barrier is taken down, and I can proceed as needed. I was told I could come when I wanted to, but no guarantees that the person I needed to meet with would be available. Since I can usually do my work on the computer and not have significant interaction, this was okay.

Upon arrival, I was treated rather business-like, and finally handed off to one of the minions whose system I needed to work on. And yes, the owner, who made the arrangements with others for me to be there, was NOT there. I proceeded with my work, and as it is rather straight-forward in its completion, I was privy to listen in on the office conversations. I had 3 more systems to work on before getting completed. I got to hear about how the accounting girl wouldn’t do anything unless the owner told her to. She also called in from her lunch break to inform the office that her mother had been in a car wreck. Instead of hearing words of sympathy,  I heard, “I wonder if her mother really had a wreck.” The accounting girl had told the receptionist that she would be at the emergency room of a large local hospital. Easy enough to check out, don’t you think?

Later I got to work on the ‘warehouse’ guy’s system. He prided himself to me on ‘running the place.’ Things don’t happen without him. And while that may be true to a fault for a small business, someone shouldn’t be taking the attitude with customers that ‘you have to crawl to me if you want it!’ What makes this story so incredible, is that when the owner did show up, and everyone was telling him of the things they thought he needed to know, he was right there with them. The warehouse guy was telling him about a customer who complained about the quality of his order he had received (they sell upscale Italian leather goods, belts, shoes, etc.) He told the owner, and apparently the owner agreed, “I’ll get his replacement out when I feel like it. I told him I looked over his order before I sent it out, and there was nothing wrong.”

All of the negativity going on, and no one to stop it. YIKES!

Address A Customer Problem In Such A Way As To Make Them Never Buy From You Again

I’ve been doing a little organizing. Some might say very little… and that’s ok. I’ve been organizing Dallas Magic Clubs Special Interest Group (SIG) meetings. It’s not easy herding cats. But I like a good laugh. If we were a group of barbershop quartet artists, we could just show up at some restaurant and pull a few tables together, and away we go. Talking, laughing, singing. But no, magic is slightly different in that we prefer to keep some of our discussions away from the lay people. And as that is a goal I shoot for, I look for a venue that can accommodate such arrangements.

In comes The Midway Point. They have a sports bar feel with a nice room in the back where groups can meet. At the outset of us trying to use their facility, the co-owner, Ellen Latchaw, indicated that they usually require twenty people to open the room. Additionally, she told me that they would hire someone to work the room exclusively. I explained that we were just getting started, and that twenty might be difficult. She said she would work with us. Instead of having an exclusive waitress, they would treat the room as just another table, and whoever would help us would. That seemed workable.

As the SIGS got going, we ended up having 3, Mentalism, Close Up, and Family Entertainment. The close up has been attended fairly well, mentalism is still developing, and the chemistry for Family Entertainment needs some adjusting. So with the SIGS not being attended as well as I would like, I confered with all of the heads of state, and decided to have one SIG meeting with all three groups in the same venue! Voila! Problem solved, right?

The SECOND meeting of the joint SIGS is at the Midway Point on Wednesday, Dec 28. The room had been confirmed with Ms Latchaw on Dec 9, (in person, not over the phone.) We had about six that showed up. And of course, the holiday’s are to blame.

We’re still having our meeting. We’re eating, we’re drinking, we’re discussing magic secrets, when someone in a cowboy hat, denim jacket and snarl comes strolling in. This was actually not an unusual sight as the room is next to the restrooms. So, someone tends to stroll in on occasion, just to see what the group is doing all to itself. What did make it strange is the prompt return of the cowboy, where he then commenced to telling us that “You are done. I have to spend a lot of money to open this room. I hired someone just to wait on you.” (the waitresses waiting on us had already told us that there was no one exclusive for the room that evening.) Since I was the organizer, I decided to introduce myself and see what was the issue. We were lectured that we could have our meeting in any one of the empty tables out on the dining floor. We were costing him money, and we were not going to do it again. I explained that I had made the arrangements with Ellen, where upon he said, “that’s my wife, I’m the owner.” Yes, James R. Latchaw, is the owner.

I did not see Mr. Latchaw before his tirade. I cannot confirm or deny his consumption of adult beverages before entering the room. I can only affirm that after we relocated to a table in the dining area, after debating leaving all together, Jim Latchaw did hoist more than 2 brown long necks. And as he is over 21, quite legal to do so.

Mr. Latchaw had every reason to tell me that our arrangement wasn’t working out. He could have done it in a way that I would have thanked him and endorsed his restaurant bar as a great place to eat and meet. But I think there are at least 6 members of the Dallas Magic Clubs that will not suggest to any attendees of TAOM 2013 that they should spend one nickel at that location.

 

Do These 12 Things For Yourself In 2012

Published / by Molly Whitehouse

magic in 2012One of the greatest inspirational speakers of our time, Zig Ziglar, said, “You don’t have to be great to start, but you have to start to be great.” So, let’s start off a great 2012 with these 12 things to do for yourself!

  1. Spend time with the right people. — There’s not enough time in life to spend what precious little of it with people who drain the very life essence out of you. The people that make room for you are the ones that want you in their life. Don’t force yourself on those that don’t value your contributions and worth. True friends will be there when life isn’t smooth.
  2. Face your problems head on. — Don’t run from them. Sure, it’s not easy. Every person in the world has had their go at adversity, and not everyone has handled it with perfection. Instant problem solving is not genetically infused in us. Human DNA has the survival instinct in it. We get upset and mad, sad and hurt, we stumble and fall. But we rise and fight, learn and adapt, experience and succeed! This is what helps us become the developed person we aspire to!
  3. Speak truth to yourself. — You can lie to everyone, but you can’t lie to yourself and mean it. We improve our state when we engage the risk. One of the first risks we can engage is being totally honest with ourselves.
  4. Be your own self. — Stop trying to be someone you are not. The world seems to challenge us to be conforming and like others. You can always see someone else who is more intelligent, more sophisticated, arguably more attractive or younger, and they will never be you. In the same vein, don’t change them to be like you and don’t change yourself to be like them. Be yourself, and those that matter will love the person you are.
  5. Be courageous when facing tasks ridden with potential for mistakes. While failure may not be an option, the fear of failure should not be a show-stopper. Look at all the successes that had years of failure that paved the way. Many performers of 20 years become ‘over-night’ sensations.
  6. Look for happiness in yourself. —Don’t look exclusively to others to fulfill your happiness. You have to create your own happiness by being happy with who you are. If you aren’t happy with who you are, take some steps to get your inner relationship corrected.
  7. Get busy. — Take action. Don’t over analyze or you’ll create a problem where one never existed. Evaluate quickly, then act decisively. You won’t change what isn’t confronted. You can’t make a 15 yard completion if you never throw the ball. Progess involves taking risks.
  8. Reject self-pity and negative talk. — Don’t complain and feel sorry for yourself. Adversity comes for a reason: to cause you to take action, change a course of direction. At the moment things happen, you may not see the reason or understand why, with reflection, you’ll see that they often have led you to become a better person .
  9. Practice forgiveness and forgetfulness. — You shouldn’t live your life with hate and grudges in your heart. You end up hurting yourself more. When you forgive, let go, find peace, and be free from the emotional entaglements the grudge or wrongful act has brought to you. And the part about forgetfulness is to let the other person know, without saying a word, that the grudge is truly in the past. By the way, while you’re at it, remember to forgive yourself.
  10. Rise above the fray. — When those around you would pull you down into the mud to muck it up, take a stand and refuse to wallow in their level. Adhere to higher standards.
  11. Take time to enjoy precious moments. — Rejoice in the little things, for little things have a tendency to become big things. I’ve heard stories over and over of elderly folk who discovered late in life that one of their most influential moments in life had been one considered by them to be quite trivial, but the one who shared that moment had experienced a mountain of importance.
  12. Focus on what you want to happen. — Avoid focusing on what you don’t want happening. The basic tenant of every success story is positive thinking! When your day begins with thoughts of what wonderful things that will happen today, you tend to seek those wonderful things. And when you seek them, you find them.

And for the baker’s dozen, be thankful. I am thankful for all that I have materially, emotionally, physically, and spiritually. My dream for 2012 is to be the best employee I can, to do more magic shows, and to enjoy my family more than ever.

“Holiday” Greetings

Published / by Molly Whitehouse
Grinchy Type
Stolen from a politically correct legal type:

Please accept with no obligation, implied or implicit, our best wishes for an environmentally conscious, socially responsible, low-stress, non-addictive, gender-neutral celebration of the winter solstice holiday, practiced within the most enjoyable traditions of the religious persuasion or secular practices of your own choice, with respect for the religious/secular persuasions and/or traditions of others, or their choice not to practice religious or secular traditions at all … and a fiscally successful, personally fulfilling and medically uncomplicated recognition of the onset of the generally accepted calendar year of 2012, but not without due respect for the calendars of choice of other cultures whose contributions to society have helped make America great (not to imply that America is necessarily greater than any other country or is the only “America” in the western hemisphere) and without regard to the race, creed, color, age, physical ability, religious faith, choice or computer platform, or sexual preference of the wishee.

(By accepting this greeting, you are accepting these terms). This greeting is subject to clarification or withdrawal. It is freely transferable with no alteration to the original greeting. It implies no promise by the wisher to actually implement for her/himself or others, and is void where prohibited by law, and is revocable at the sole discretion of the wisher. This wish is warranted to perform as expected within the usual application of good tidings for a period of one year, or until the issuance of a subsequent holiday greeting whichever comes first and this warranty is limited to the replacement of this wish or issuance of a new wish at the sole discretion of the wisher.

How To Use Your Gift Card Online

Published / by Molly Whitehouse

party magician in DallasSo, we got a few gift cards recently. American Express gift cards, to be exact. And the problem is that AE charges merchants more than V/MC charge and so, it makes finding a merchant that accepts AE a little more challenging. Then what happens if you find an online place and they take PayPal or whatever, so AE is accepted. Well, if you have a gift card, it will be declined if you don’t do the little magic “trick” you learn later in this post. Additionally, when it gets declined, you’ll have a $1 or $.99 charge (reducing the value of your gift card.) When you go to americanexpress.com/reward to check the value, you’ll see the charge and have an “AVS” fee (Address Verification.) It will get removed after 8 days.

So, how do you keep from getting declined? Here it is:

Look on the back of your gift card.
Call the 800 number.
Enter the card number.
Push the button that states something about having “Other” issues.
Then press “0” for operator.
Tell the live person that you want to register your name and address for the gift card. They will verify your possession of the card. Next they will ask for your name (spell it like you will online), address (same address as you use online), and that should fix you up to use it online or with PayPal.

Now get out there and spend them there (sic)  gift cards.

And if you happen to feel particularly charitable, you can always use it with my PayPal. This birthday party magician can always use an extra few bucks for the next magic trick!

[paypal-donation]

How to find a holiday party magician

Published / by Molly Whitehouse

Finding holiday party entertainment isn’t all that hard. Finding GOOD entertainment, well, sometimes that’s a crap-shoot. Now if you are doing a vegas night, you might have everything covered. But a good holiday party can become GREAT with a skilled, professional, talented magician.MrGoodfriend holiday party magician

People love magic. A good magician loves people. Get those two together and you  have the ingredients for the perfect holiday party entertainment. The truly skilled magician will be dazzling with his performance, kind with the mystery, and humorous with the show.  A good holiday party magician can accommodate his routine to fit with the theme of the party. And of course his act would be fresh and new, not some rehash of the 1950’s.

Now how do you find this perfect holiday party magician? Simple: check with the event planner from last season’s party. Oh? You didn’t have a magician last time? Hmmm… that makes it a little tougher. Yellow pages? Who uses that any more? Maybe your friends will know. Check Facebook. You could check with the International Brotherhood of Magicians, or the Society of American Magicians. Heck, you could even check with the Dallas Magic Clubs. Wait a minute. Maybe you could check right here, right now.

Yes, MrGoodfriend is the perfect holiday party magician. Performing for groups from Europe to Asia, and all across Texas, you will have a great time with MrGoodfriend at your holiday party. But if you inquire and MrGoodfriend is already booked, what then? The best thing is, MrGoodfriend can and WILL recommend one of his talented and competent colleagues. Since many holiday parties involve children, you can be assured that MrGoodfriend is right for your guests. MrGoodfriend has been vetted by the Allen Independent School District for duties on all school campuses. You can additionally check on background checking sites such as Public Data.com.

So, just to sum up on how to find a holiday party magician, you need to do three main things:

  1. Check with your friends, event planners, or other party professionals.
  2. Use the internet and the magician organizations.
  3. Validate the magicians’ credentials.

I’m sure you will have a great time at your holiday party, and I know that it will be MAGICAL!

Bye Staples. Hello OfficeMax!

Published / by Molly Whitehouse

My wife does coupons. I mean she really does coupons. And she has gotten THOUSANDS of dollars in savings for us. We have often gone to the Staples office supply store in Allen, TX on McDermott Road to shop. Occasionally, we have an OfficeMax™ coupon that Staples accepts. It’s nice to save some $$.

Last Saturday, I needed some things to finish up a few props for my new magic show and I drove the 2 miles up to Staples. In my hand I had another OfficeMax™ coupon for “20% off everything you can fit in your shopping cart!”* See the “*”? That means there are serious disclaimers. No monitors, computers, store brand ink cartridges, HP ink cartridges, Canon ink cartridges…. yada yada yada…. It just so happened that I needed construction paper, and a KODAK ink cartidge. Total price RETAIL? about $35. I had something else in my hand too. My lovely little Angelynn. 2½ years old and full of distracting daddy. So we go to the checkout, and the young male cashier can’t make the 20% work. He asks the more senior cashier (she must have been at least 3 months older than him), and she called someone. The someone said, “we can’t take the 20% off coupon from OfficeMax™.”

So, I left my purchase and started out the door. Then I stopped. I needed more of a reason than some phone call to some office. I asked to speak to the manager. After about 7 minutes (a LONG time when wrestling with a 2½ year old), here comes Jayme Browder strolling from the back of the store sucking on some fast food soft drink. I surmised from a distance that she was the Manager On Duty. She looked to have been recently graduated from SFA (go Lumberjacks.) She passed me and Angel standing in the middle of ‘no-man’s-land’ and inquired with the cashier who called her as to with whom she should speak. Of course, she was directed to me.

I explained I didn’t understand why they would not accept the coupon since it had been their policy to accept competitor’s coupons before. Here was her explanation, which was so well spoken, it had to have been a part of management training (Staples should be proud.) The coupon is for all you can get in your shopping cart and there is no way they could honor that.

I countered with the massive amounts of exceptions plainly spelled out on the coupon. She countered with there was nothing she could do.

I countered with showing my wife’s Staples reward card with thousands of dollars of purchases made on it, explained that the $7.00 discount she was avoiding giving me would result in no more purchases on the Staples reward card. She countered with “If I do this for you, I would have to do it for everyone else.” Now why would a 50+ year old man get flustered by a early 20’s manager girl (I know ways that SOME men would get flustered, but this was NOT one of them)? I simply thanked her and said good day.

Here’s what I SHOULD have done and said (of course I would not have gotten my satisfaction.) I should have looked around and said, “What others? There’s no line of people here with 20% coupons. They are all at OfficeMax™ using their coupons which is what I’m about to do!”

Staples is 2 miles, OfficeMax™ is 6. That’s 4 miles I can use to talk to my brother and sisters.

See you next time, OfficeMax™. Staples, Staples management, and Jayme truly made this an Easy decision.

Keeping Keen

Published / by Molly Whitehouse

Happy birthday do me! Today is the anniversary of me discovering America. And since it is an event that marks the passing of youth, I take this time to tell you how to keep the youthful vim and vigor not expected of the old and ancient.

READING!

A lengthy discussion about the things going on at work with one of my colleagues led to some observations of how to implement fixes. And this lead to discussion of reading material. So, two books were brought to my attention, and I immediately made obtaining them top priority.

360 Degree Leader by John C. Maxwell was the first one we discussed. In just the first two chapters, I can tell I’m going to get a lot out of this book. Of course John C. Maxwell is renouned in his leadership writings.

Next we discussed Love Is The Killer App. Just by the title I didn’t think it would move me too far, but I was mistaken. This is really a good look at how to get the most from everyone you come in contact with; not in a commercial way, but to get the best from them when you give your best.

Hopefully, I’ll be full of vim and vigor for many years to come. I hope you enjoy these books as much as I have.