Sunday, October 2, 2005
Thursday, August 4, 2005
Keep Pace with Taxes and Inflation
Hello and welcome to Money Girl’s Quick and Dirty Tips for a Richer Life.
Today’s Topic: Taxes.
Inflation and taxes are two very sinister foes when it comes to creating wealth. I think of them as the evil twins. Last week, I talked about the first evil twin: inflation. This week, I want to focus on the second evil twin. You got it: taxes. To get ahead, your money needs to earn a rate of return that outstrips the effects of both taxes and inflation.
Let’s take an example (which is a variation on the example from last week’s episode). Let’s say you save $2,000 a year and put it in a savings account earning 3% a year and let’s say you do this for 30 years. After that 30 years, you’d have $60,000 plus interest of $38,005 for a total amount of $98,005.
Nope. You certainly wouldn’t. First, you would need to pay income tax on the interest you earned. Let’s say you’re in the 25% tax bracket. The $38,005 you earned in interest would be reduced by $11,716. So your savings plus interest after taxes would be $86,289, not $98,005.
Plus this example doesn't take state tax into account. Depending on you state's tax rate, the amount could be reduced even more.
But the story doesn't end there. Inflation takes its toll too. In the U.S., inflation has averaged 4.2% per year over the last 30 years. At this inflation rate, your after-tax savings of $86,289 would be further reduced by nearly half. Your savings plus interest after both taxes and inflation would be $44,862 real dollars after 30 years, not the $98,005 you’d have without taxes and inflation. Now that's a huge difference!
In total, taxes and inflation reduce your $98,005 in savings plus interest by more than half over the 30 years! The effective yearly rate you earn is the 3% interest minus 0.75% for taxes minus the 4.2% inflation rate, which is a negative 1.95%.
Calculate the Rate You Must Earn to Keep Pace with Taxes and Inflation:
http://moneygirl.qdnow.com/2007/07/24/taxes.aspx
Today’s Topic: Taxes.
Inflation and taxes are two very sinister foes when it comes to creating wealth. I think of them as the evil twins. Last week, I talked about the first evil twin: inflation. This week, I want to focus on the second evil twin. You got it: taxes. To get ahead, your money needs to earn a rate of return that outstrips the effects of both taxes and inflation.
Let’s take an example (which is a variation on the example from last week’s episode). Let’s say you save $2,000 a year and put it in a savings account earning 3% a year and let’s say you do this for 30 years. After that 30 years, you’d have $60,000 plus interest of $38,005 for a total amount of $98,005.
Nope. You certainly wouldn’t. First, you would need to pay income tax on the interest you earned. Let’s say you’re in the 25% tax bracket. The $38,005 you earned in interest would be reduced by $11,716. So your savings plus interest after taxes would be $86,289, not $98,005.
Plus this example doesn't take state tax into account. Depending on you state's tax rate, the amount could be reduced even more.
But the story doesn't end there. Inflation takes its toll too. In the U.S., inflation has averaged 4.2% per year over the last 30 years. At this inflation rate, your after-tax savings of $86,289 would be further reduced by nearly half. Your savings plus interest after both taxes and inflation would be $44,862 real dollars after 30 years, not the $98,005 you’d have without taxes and inflation. Now that's a huge difference!
In total, taxes and inflation reduce your $98,005 in savings plus interest by more than half over the 30 years! The effective yearly rate you earn is the 3% interest minus 0.75% for taxes minus the 4.2% inflation rate, which is a negative 1.95%.
Calculate the Rate You Must Earn to Keep Pace with Taxes and Inflation:
http://moneygirl.qdnow.com/2007/07/24/taxes.aspx
Saturday, July 23, 2005
3 Chicks BBQ Ingredients
Tomato concentrates (water, tomato paste), High Fructose Corn Syrup, Corn Syrup, Distilled Vinegar, Salt, Dried Onion, Natural Flavors, Garlic Powder, spice, Brown Sugar, Onions, Water, distilled Vinegar, Margarine (liquid soybean oil, partially hydrogenated soybean oil, salt, vegetable lecithin, vegetable mono and diglycerides, whey, citric acid, calcium disodium, EDTA, and sodium benzoate as preservatives, artificial flavored, colored with carotene, vitamin A palmitate added), Worchester Sauce (distilled vinegar, molasses, corn syrups, water, salt, caramel color, garlic powder, sugar, spices, tamatind natural flavor, sulfating agent), Spice Mustard Flour.
A&A Flyer Info
GrassRoots
IMPORTS
359 W. Sunset Rd.
San Antonio, TX 78209
Ph: 210.805.0191 Fax: 210.832.8895
www.OnlineFurnitureMarket.com
GrassRoots Imports offers a website for YOUR customers at www.OnlineFurnitureMarket.com
There is a gate on the front page and your customer will have to:
Login: friend
Password: friend
Click “submit” then “home” and you will be on our site.
Again, you cannot create an order or request information under this login name. You can only view products and obtain specific product details and/or dimensions with NO pricing available. Please visit yourself and use this great tool to increase business!!!
Note: This login ID is reserved strictly for customers of GrassRoots Imports and the friendly login codes may be changed at any time without notice.
www.GrassRootsImports.com
We have also created a secure login for you to view pricing and to submit wish lists, submit order requests and cube container orders at www.grassrootsimports.com
By using “trade” and “trade” as the login name and password, our trade prices will appear with each product. There is no minimum to order. Click on submit and home as listed above and you will be on our site.
All other prices including stocking dealers (store owners) and volume container orders require personalized and secure login information. Please call 210-805-0191 or email sales@grassrootsimports.com for your personal login and password codes.
IMPORTS
359 W. Sunset Rd.
San Antonio, TX 78209
Ph: 210.805.0191 Fax: 210.832.8895
www.OnlineFurnitureMarket.com
GrassRoots Imports offers a website for YOUR customers at www.OnlineFurnitureMarket.com
There is a gate on the front page and your customer will have to:
Login: friend
Password: friend
Click “submit” then “home” and you will be on our site.
Again, you cannot create an order or request information under this login name. You can only view products and obtain specific product details and/or dimensions with NO pricing available. Please visit yourself and use this great tool to increase business!!!
Note: This login ID is reserved strictly for customers of GrassRoots Imports and the friendly login codes may be changed at any time without notice.
www.GrassRootsImports.com
We have also created a secure login for you to view pricing and to submit wish lists, submit order requests and cube container orders at www.grassrootsimports.com
By using “trade” and “trade” as the login name and password, our trade prices will appear with each product. There is no minimum to order. Click on submit and home as listed above and you will be on our site.
All other prices including stocking dealers (store owners) and volume container orders require personalized and secure login information. Please call 210-805-0191 or email sales@grassrootsimports.com for your personal login and password codes.
Thursday, April 28, 2005
Cavern Fake Out
Click the Paul image to see at "actual size".
We can produce higher quality imagery if we consider a collage or concept where we have the luxury of finding better original sources like these I did for Mad Dogs: Ringo.
Wednesday, March 9, 2005
Saturday, January 29, 2005
Last Band Trat Copy
Here is the back tray. I guess we can start by changing the date to 2008. We need to let people know we have a DVD inside, so that will need to be on the spine and on the front somewhere. Live CD + Bonus DVD! something like that!
Here is the info that needs to be inside:
Brian Parrish - Interviews / cover graphics
Bobby Flores - DVD Editing "Last Band at Taco Land" / Photographs
Jonathan Stevens - DVD live footage
Tina Berkley - DVD Taco Land Tour
Rick Martinez - General DVD Salvage Manager, Editor
Hillary Webb - Photographs
Justin Parr - Photographs
John Whipple - General Project Salvage Manager
Michael Karshis - General Graphics Salvage Manager
Eugene Ng - On Site Production Engineer and Logistics Coordinator
Jaime Lagueruela - Production Liason and Happiness director.
Roland De La Cruz - CD Post Production, Editing, Salvage Manager.
CD recorded live at Taco Land. 103 W. Grayson St. San Antonio Texas 78212
with Mitch Webb, Joe Reyes, Dave Wasson, Odie and Sal Guajardo.
Special Thanks to all the Swindles who played Taco Land with us over the years.
John Aeslin, Bart Nichols, Lloyd Herrman, Paul Ward,
------------------------------------------------------------------------
Here is the info that needs to be inside:
Brian Parrish - Interviews / cover graphics
Bobby Flores - DVD Editing "Last Band at Taco Land" / Photographs
Jonathan Stevens - DVD live footage
Tina Berkley - DVD Taco Land Tour
Rick Martinez - General DVD Salvage Manager, Editor
Hillary Webb - Photographs
Justin Parr - Photographs
John Whipple - General Project Salvage Manager
Michael Karshis - General Graphics Salvage Manager
Eugene Ng - On Site Production Engineer and Logistics Coordinator
Jaime Lagueruela - Production Liason and Happiness director.
Roland De La Cruz - CD Post Production, Editing, Salvage Manager.
CD recorded live at Taco Land. 103 W. Grayson St. San Antonio Texas 78212
with Mitch Webb, Joe Reyes, Dave Wasson, Odie and Sal Guajardo.
Special Thanks to all the Swindles who played Taco Land with us over the years.
John Aeslin, Bart Nichols, Lloyd Herrman, Paul Ward,
------------------------------------------------------------------------
Wednesday, January 26, 2005
Naked copy
NAKED
PRODUCT OVERVIEW PIECE
JANUARY 23, 2008
1.
HEADLINE: The Naked Juice advantage, as clear as we can be.
A. SUBHEAD: Naked Juice is growing nearly three times as fast as the category.
COPY: The super premium juice category is up +7.9% vs YAG (IRI 52 weeks ending 1/13/08), yet in the same period, total dollar sales of Naked Juice grew +22%.
The Naked Juice brand is on fire with health-minded consumers. They’re hearing our mantra of Nothing To Hide:
No added sugar
No preservatives, ever
A pound of the best bare-naked fruit in every bottle
Super healthy boosts
A bottle, a lid and that’s it
And they’re buying it.
B. SUBHEAD: We say we have Nothing To Hide and boy do we back it up.
COPY: Look at the back label of any Naked Juice. There’s the story, plain and simple. The fruit, the boosts. Everything, spelled out. When consumers know exactly what they’re getting, they tend to get more of it.
C. SUBHEAD: Another year of not standing still.
COPY: For 2008, innovation will play a key role in the success of the Naked Juice brand:
D. SUBHEAD: Introducing new Naked Juice Breeze.
COPY: Light and heavy Naked Juice users told us they loved this brand new product offering, which pairs unique fruit combinations – watermelon and lime, white peach and mangosteen – with a crisp, refreshing, highly drinkable texture.
Not only did they approve, they pointed out two very important points:
1. They viewed naked Juice Breeze as an addition to their current Naked Juice purchases, not a substitution.
2. They considered naked Juice Breeze as an alternative to other Light Refreshing Beverages such as Snapple, Vitamin Water, etc.
Naked Juice Breeze refreshes mind, body and cash register.
E. SUBHEAD: Making the Protein Zone family even stronger.
COPY: Dollar sales of original Protein Zone are up 22.7% vs YAG (YTD ending December 30, 2007), which is more than double overall category growth of +8.4% vs YAG (YTD ending December 30, 2007). And we’re adding to the family, beginning with new Naked Juice Protein Zone Chocolate Banana:
• 30 grams of whey and soy protein per bottle (up to 10 grams more than competing chocolate flavored protein products)
• smooth, satisfying chocolate banana flavor
• no added sugar (by the way, the competition’s “organic evaporated cane juice” is just another way of saying “sugar”)
• no preservatives, ever
2.
HEADLINE: A pound of fruit and a ton of profit. Have a look inside Naked Juice.
3.
HEADLINE: 25 years ago in Southern California, the first Naked Juice was made
With a pound of fruit and no added sugar or preservatives
Today, it’s the same – real fruit, healthy boosts, a bottle, lid and that’s it
We have nothing to hide, which is why so many consumers seek us out
PRODUCT OVERVIEW PIECE
JANUARY 23, 2008
1.
HEADLINE: The Naked Juice advantage, as clear as we can be.
A. SUBHEAD: Naked Juice is growing nearly three times as fast as the category.
COPY: The super premium juice category is up +7.9% vs YAG (IRI 52 weeks ending 1/13/08), yet in the same period, total dollar sales of Naked Juice grew +22%.
The Naked Juice brand is on fire with health-minded consumers. They’re hearing our mantra of Nothing To Hide:
No added sugar
No preservatives, ever
A pound of the best bare-naked fruit in every bottle
Super healthy boosts
A bottle, a lid and that’s it
And they’re buying it.
B. SUBHEAD: We say we have Nothing To Hide and boy do we back it up.
COPY: Look at the back label of any Naked Juice. There’s the story, plain and simple. The fruit, the boosts. Everything, spelled out. When consumers know exactly what they’re getting, they tend to get more of it.
C. SUBHEAD: Another year of not standing still.
COPY: For 2008, innovation will play a key role in the success of the Naked Juice brand:
D. SUBHEAD: Introducing new Naked Juice Breeze.
COPY: Light and heavy Naked Juice users told us they loved this brand new product offering, which pairs unique fruit combinations – watermelon and lime, white peach and mangosteen – with a crisp, refreshing, highly drinkable texture.
Not only did they approve, they pointed out two very important points:
1. They viewed naked Juice Breeze as an addition to their current Naked Juice purchases, not a substitution.
2. They considered naked Juice Breeze as an alternative to other Light Refreshing Beverages such as Snapple, Vitamin Water, etc.
Naked Juice Breeze refreshes mind, body and cash register.
E. SUBHEAD: Making the Protein Zone family even stronger.
COPY: Dollar sales of original Protein Zone are up 22.7% vs YAG (YTD ending December 30, 2007), which is more than double overall category growth of +8.4% vs YAG (YTD ending December 30, 2007). And we’re adding to the family, beginning with new Naked Juice Protein Zone Chocolate Banana:
• 30 grams of whey and soy protein per bottle (up to 10 grams more than competing chocolate flavored protein products)
• smooth, satisfying chocolate banana flavor
• no added sugar (by the way, the competition’s “organic evaporated cane juice” is just another way of saying “sugar”)
• no preservatives, ever
2.
HEADLINE: A pound of fruit and a ton of profit. Have a look inside Naked Juice.
3.
HEADLINE: 25 years ago in Southern California, the first Naked Juice was made
With a pound of fruit and no added sugar or preservatives
Today, it’s the same – real fruit, healthy boosts, a bottle, lid and that’s it
We have nothing to hide, which is why so many consumers seek us out
Tuesday, January 4, 2005
Ballyhoo Promotional Partners
Ballyhoo Promotional Partners
5150 Broadway #457
San Antonio, Texas 78209
Tel 210-378-6809
Fax 210-832-0507
5150 Broadway #457
San Antonio, Texas 78209
Tel 210-378-6809
Fax 210-832-0507
Sunday, January 2, 2005
Hammnd Eggs 03.01.08
1. Allegreto Per Signora / Ennio Morricone 1968 2:22
2. Little Jr. Detroit / Billy Larkin & The Delegates Blue Lights 1966 2:40
3. Sticky Wicket / Billy Larkin & The Delegates Blue Lights 1966 4:19
4. Sugar, Sugar / Jimmy McGriff 1970 2:47
5. And I Love Her / Billy Larkin & The Delegates Hole In The Wall 1965 2:08
6. Hole In The Wall / Billy Larkin & The Delegates Hole In The Wall 1965 2:40
7. Hot Sauce / Billy Larkin & The Delegates Hole In The Wall 1965 2:25
8. Groove Holmes / The Beastie Boys / Check Your Head 1992 2:33
9. Just a Gigolo / Thelonious Monk Monk's Dream 1962 2:30
10. Baby, It's Cold Outside / Jimmy Smith and Wes Motgomery The Dynamic Duo 1966 6:06
11. How Nice / Dolce Far Niente 27 Suave Cocktail Classics 2005 2:39
12. Baquita / Dolce Far Niente 27 Suave Cocktail Classics 2005 2:18
13. Fried Onions / Lord Rockinghams Stereotype: International Happy Hour 1963 1:45
Hammond Eggs 03.01.08
2. Little Jr. Detroit / Billy Larkin & The Delegates Blue Lights 1966 2:40
3. Sticky Wicket / Billy Larkin & The Delegates Blue Lights 1966 4:19
4. Sugar, Sugar / Jimmy McGriff 1970 2:47
5. And I Love Her / Billy Larkin & The Delegates Hole In The Wall 1965 2:08
6. Hole In The Wall / Billy Larkin & The Delegates Hole In The Wall 1965 2:40
7. Hot Sauce / Billy Larkin & The Delegates Hole In The Wall 1965 2:25
8. Groove Holmes / The Beastie Boys / Check Your Head 1992 2:33
9. Just a Gigolo / Thelonious Monk Monk's Dream 1962 2:30
10. Baby, It's Cold Outside / Jimmy Smith and Wes Motgomery The Dynamic Duo 1966 6:06
11. How Nice / Dolce Far Niente 27 Suave Cocktail Classics 2005 2:39
12. Baquita / Dolce Far Niente 27 Suave Cocktail Classics 2005 2:18
13. Fried Onions / Lord Rockinghams Stereotype: International Happy Hour 1963 1:45
Hammond Eggs 03.01.08
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