An Organization Void of Character

If youve read my weekly column, youll know that I was an advocate of Mike Tices firing all season long. While I agree with the decision of Minnesota Vikings management to fire Mike Tice, I disagree about the way that they went about his release from the club.

While events leading up to Sunday nights decision to fire Mike Tice are foggy, one thing is clear, team ownership showed no character by surprising Tice by firing him right after Sundays win against the Chicago Bears.

Vikings ownership had told Tice that they would make a decision about his future with the club at Mondays early morning meeting. Mike Tice had to know that there was a better then fifty percent chance that ownership would relieve him of his head coaching duties.

What upsets me is that the ownership showed a lack of character by not keeping their word. Mike Tice didnt have an evening to savor his victory and have a positive end to the season.Mike Tice wasnt even given an opportunity to address his players with the news.

Mike Tices players were very loyal to him and the ownership could have had the common decency to allow Tice to have one last moment with the club.

I had many issues with Mike Tice but he gave a number of players a second chance to prove that they could play in the NFL. While many teams had given up on Darren Sharper, Mike Tice gave him a second chance. Darren Sharper will play in the Pro Bowl in February.

Mike Tice also gave Koren Robinson a second chance after the player went through alcohol treatment. Robinson had a good year this year

We should give Mike Tice some credit for giving these players a second chance and being loyal to his team.

Mike Tice handled his firing with class and didnt show any public resentment toward the club. I wish Tice would have acted this way for the past four years.

Vikings ownership didnt keep their word. They said that this organization would be operated with class and character. In my world, keeping ones word is important and leads to character.

How can we trust that Vikings ownership will operate this team any differently then the way that this club has been operated in the past few years?I don't think that the Vikings have the character to be a successful team in the NFL. Firing Mike Tice isn't going to give them the character that they seek.Character comes from within and team ownership seems to lack the character necessary to operate a successful NFL franchise.

I hope that Mike Tice finds an assistant coaching position in the NFL. Hopefully Mike can learn from another head coach what it takes to be a head coach in the NFL.Tice wasnt really given a chance, because he was promoted to Vikings Head Coach too quickly when Dennis Green was fired four seasons ago.

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Become Debt Free - Advice We Can All Use!

I am sure you know the problem, every month counting the days to pay day, worrying about your finances. I think that just about everyone at some point in their life has experienced this.

Unfortunately, many people hear the adverts from the loan companies talking about debt consolidation and other options and get suckered in without knowing enough to be able to decide if debt consolidation is right for them. The loan companies claim that they want to help you but actually they just want to sell you a debt consolidation package or a loan with a ridiculously high interest rate. Remember, those companies only make money when we are in debt. If you and I sort out our finances, they go out of business.

Whether you have debts or just feel that your finances are controlling you and not the other way around, it is time to fight back!

Your finances are only controlling you because you let them. It is a bit like feeling nervous when speaking to someone who is an expert in their field, you may feel you are unable to talk on the same level and feel intimidated. However, when you are relaxed chatting to your mates about your favourite football team etc you can hold your own and are comfortable. The only difference between those two scenarios is your knowledge. When you have the knowledge and understanding, you can take on the world!

So how do you get knowledgeable about managing your finances?

I will try to share some tips with you. However, a short article like this could never go into enough detail, I will just try to explain the concepts to need to grasp. If you do want more information, visit my website www.moneyinmypocket.co.uk where you will find additional information and my detailed Debt Reduction manual which explains in detail everything that is covered here and much much more.

So what are the core concepts?

1) Know your finances intimately
2) Decrease you expenditure
3) Increase your income
4) Play the interest rate game

Know your finances intimately

The very first thing you need to do is now exactly what money you have and where it goes. So workout your monthly income and detail the sources. Does the income come from an employer, state benefit, interest etc? Then detail out all your expenses.

Decrease you expenditure

You need to cut costs. There is always a way you can do this. By knowing all your expenses you can go through each expense and work out how to reduce it. My manual spends a lot of time on this subject and shares all the tips and tricks that I have learnt, it can show you how you can save thousands of pounds each year and gives examples of people who have done exactly that. Also, dont forget to check out the web site as there is lots of free advice available.

Increase your income

On top of reducing your outgoings you want to maximise your income. Think of ways you can receive more money each year. Again, check out the website and manual for more information. In the manual there are 9 ways of increasing your income. They include getting a job, getting extra work, your own business (this is not as difficult as you may think), getting all the allowances you are entitled to and reducing your tax

Nearly finished

The basic concepts of improving your finances are simple:

Spend less
Earn more

I think just about everyone can understand that. The difficulty is how to do it. That is were the website and manual come in, they (especially the manual) step through your options slowly with examples at every step so that everyone can understand. You do not need to be a rocket scientist to understand this manual

As obvious as spending less, earn more may be, many people are blinded by the magic solutions such as debt consolidation. Dont get me wrong, I am not anti debt consolidation and sometimes it can be the right solution but often it is not. Lets think about it. With debt consolidation you are swapping lots of different debts for one big one. It seems good because your monthly payments are reduced. However, the reason the payments are reduced is because they are secured against your house and the fact you are going to spend the next 25 years paying them off.

With debt consolidation you are address the effects not the problem. The problem is that you are spending more than you earn, that is normally the reason why you are in debt. So after getting debt consolidation you are still going to be spending more as you have not reduced your spending or increased your income. So eventually you will probably need to do more debt consolidation and in extreme cases you will keep going until you cannot get anymore loans and end up bankrupt.

The Money In My Pocket manual addresses the problem as well as the effects for long term financial strength. The manual provides the information the Loan companies do not want you to know!!

Over the years I have assisted many people who have been troubled by debt to overcome it and become financially stronger. Every time, I have given exactly the same advice, or if you like, formulae to beat debt and better manage their finances. It is that formulae that I am sharing with you in the manual.

Whatever your next step in controlling your finances is, I wish you well.

To learn more about this topic, go to www.moneyinmypocket.co.uk

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You're Not Paranoid: The House Really Hates You

If you've just bought a house, you may be able to relate to a fascinating essay in Maya Angelou's book, Even the Stars Look Lonesome.

When Ms. Angelou moved into a designer house in California, she says, nothing worked. Her pictures didn't look right on the walls. Cakes fell in the oven and curtains fell off the rods.

The house, she concluded, hated her. And it wasn't much consolation to realize the house hated her husband, too.

What I want to know is, how could she tell?

Let's face it, most houses hate their new owners. They have adapted to the rhythm of one family and resent being sold.

Like most cats that you rescue from the pound, your house probably believes, "If I'd waited awhile, a better owner would have come along. So I'm going to make this one's life miserable."

When you move

Those who are trained in modern research methods will be skeptical, but there's plenty of evidence. Everyone knows what happens when you move into a new house.

"You'll see a lot of repair services in the first six months," I was warned. "When a house hasn't changed hands in five years or more, lots of little things will happen when you move in."

Now, you'll notice this doesn't happen when you rent a house or apartment. Some friends of mine rented a house while they saved to buy their own property.

For two years, the refrigerator purred and the air conditioner hummed contentedly. The plumbing flowed silently and the insect life remained hidden. Encouraged ("see, a house isn't so bad after all!") they took the plunge and bought their own home.

I'd like to say they're doing great but in fact they've dropped out of sight. They can't take phone calls any more. "Sorry, we can't tie up this line. We're holding the phone open till we hear from the handyman..." Or the pest control guy, or the electrician. They considered Call Waiting but were afraid to jinx the only object in the house that seemed to be working.

If you seem particularly gullible, (e.g., the house senses that you're new to this game), your appliances may join the fun. I am absolutely positive the once-faithful refrigerator sent out a message: "How about this, guys. Let's really confuse everybody. I'll put out a leak, send the water over to the sink, and they'll think it's a big pipe in the wall. After they've poked a few holes they'll realize it's time to wake up that sleeping repairman!"

And one day my security system kept getting an "Open Door" signal even when the door was firmly locked. The tech found nothing wrong and it never happened again.

My lawn service person knew how to work the system: Let Them Know Who's Boss. After he cut back the hedges and pulled some over-aggressive vines, the bushes stopped sulking and started putting out nice flowers. They knew what would happen if they didn't.

Making Peace with the House

Soon you've emptied your bank account to create a peace offering -- a new floor or a paint job or a screen door."Every so often," I'm told, "you even get thirty days with no service calls. But after six months or so, the house gets bored and it'll start all over again."

One thing is certain. In your house's "Lose the Owner" contest, there's one simple rule. Whoever costs the most, wins.

For serious advice about moving, download Making the Big Move.

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