Better late than never

My 2011 Goals.

You'll notice not one of them is being on time ;-)







1) Eliminate Non Housing Debt

I gave this one a good start in 2010 but ran into some added expenses which set me back.
I have a monthly plan in place and I am going to stick with it. Hopefully I will be able to put a much bigger dent into my balance this year. Knock on wood . . .





2) Beat Averages

Last year I increase my return average 50% to set a new goal. That was ambitious. For 2010 I did beat all the averages but feel short of the 24% mark. If I increase my 20% return by 50% that would push my goal up to 30%. That is a bit too ambitious even for me. This year I am going to keep my “beat the averages” goal with a stretch goal of 24%.

3) Cut Expenses by 10%

One way to increase savings and add to paying off debt is by taking a long hard look at your expenses and “cutting the fat” as they say.

We currently do “OK” but I know we can do better. Especially in the area of finding and shopping for deals. Some of the phenomenal success stories of the past year has been the rise of sites like Goupons and Couponmom. This year I am going to take a more serious look at saving with coupons and actively look to “trim the fat” from our daily / monthly expenses.

4) Double followers

I currently have 24.
I’m actually going to split this one out to 36 followers with a stretch goal of 48.





5) Win Fantasy Football

I came oh so close to this but fell short in the end.
I may never actually accomplish this but hey, I’m keeping up the hope and the goal.
OK lets split this one too:

- East Coast wins the championship
- With a stretch goal of me winning.


6) Fence and Shed clean out Garage!

A few months ago, one of my favorite shows – Criminal Minds – had a quote at the end of the show regarding a statistic which stated before 1960, there were virtually no personal storage units in the US. Today, there is more than 2.35 billion square feet of self storage in the U.S., or a land area equivalent to three times Manhattan Island under roof. It seems that the U.S. certainly has become the land of excess sometimes and personally I would like to do my part in reversing that trend.

Now, we are nowhere near as bad as compulsive hoarders or anything like that, but like many people we have “collected stuff” over the years. Stuff we probably do not need nor use or even know exist anymore.

Welcome to my garage.

Part 1 of this goal is to declutter my life and garage. The decluttering should help in finances, free time and finally getting at least one of our cars into the garage.

Part 2 of this goal: Putting a shed in the backyard will help with storing outside yard tools and stuff like bikes and sleds.

Part 3 of this goal: Putting up a fence will help with keeping said shed stuff from finding little feet and ending up cluttering the neighbors yards and provide our dogs some true running room.

Speaking of dogs . . .

7) Get Lola a Forever Home

My daughter, Alaina, will hate me for putting this up here, but hey, maybe it will ultimately inspire her to add a 2011 goal for herself.

Lola is our current resident foster greyhound.

Current Resident, because she has been here about 7 weeks. This is almost an all time record for us keeping a foster before getting him or her adopted.

Foster because she is a foster, which means the intent is to find her a forever home (other than ours).


As you can see, she is a very cute black and white greyhound. And trust me she is very affectionate and playful and will make a good addition to any home.

Her original racing name was Rico's Hailey and though many greyhound agencies frown on renaming a foster we took that liberty because, well, she simply was not a Hailey or Rico.

We tossed around several potential names like Betty; if you are familiar with Ram Jam or Leadbelly you will know the reference, but thought it better to avoid potentially politically incorrect names for a black dog. Lola seemed to be a name that she responded well to and, well, it makes for one or two rather good Kinks songs too.

Oh, There is just one little caveat.

There seems to be a condition which has come up recently that says if Alaina gets a job, she can keep Lola as a pet. Hmmmm – I wonder who came up with that one. So, perhaps Alaina will add getting a job to her 2011 goals. This will go a long way towards giving her some much needed money, added responsibility and convincing me to actually keep Lola.

But until then . . .

Please contact the Virginia Greyhound Adoption Society for more information.

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Not a Greyt Location

But a Greyt Cause!

As a die hard, true blood, Redskin fan it pains me to post this about going to Dallas Stadium.

But this is truly about a great cause and this could be an opportunity to have some fun or at least make a tidy profit and contribute to a good cause all at the same time.

The Greyhound Adoption League of Texas (GALT) is holding a raffle for six tickets to the Thanksgiving Day Game at Dallas Stadium vs the World Champion Saints.

For $5 dollars you could win 6 club level access seats on the 50 yard line with all the amenities.



















So, here are the possibilities for only spending $5 dollars.

A) You loose donate five bucks to a charity.
B) You win 6 club level seats to the Thanksgiving Day Dallas vs Saints game.
C) You go to the game and get drunk enjoy it as much as possible.
D) You sell the tickets for a tidy profit
E) You go to the game, sneak out onto the field with a football and take a shot at Sir Jerry’s big screens!

Personally, I think the benefits outweigh the negatives.

Here is the link to purchase the raffle tickets.

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The Versatile Blogger

Well, those wacky bloggers out there have tagged me yet again for another award. It is so nice to be a recognized award winning blogger!

Yippee.

I was nominated by my lovely and talented wife Alexandra, Alex for short (see abbrev below)

The qualifications and rules for this prestigious award are simple.

Rule #1: Thank the person who gave you the award.
- I kind of already did that but hey, here goes the official statement...
- A great big thank you to my wife for sending me this totally unbiased award!
I am grateful for everything you do and bring into my life.

You can check out her wonderful blog here at Hope and Greyz.

Rule #2: Post seven things about yourself.
- I'm going to do this a little bit differently than most by posting my equivalent version to what Alex wrote.

1)------------------------------
Alex: I was born and raised in Yonkers, New York ( pronounced - Yon-kuz ;-P)

Me: I was born in DC but lived in MD. Yes we abbrev everything here.

2)------------------------------
Alex: My DH (Darling Husband) Doug and I will have been married 22 years this July.

Me: I call her Dorris, or Buttons or Yes Dear...

3)------------------------------
Alex: We have been blessed with 5 healthy, brilliant, gorgeous, children- ranging in age from 4 years old to 21. ( & No, I am not biased, I'm just sharing the facts :-)

Me: Otherwise known as negative cash flow and tax deductions.

4)------------------------------
Alex: We adopted our Jack Russell- Beagle mix- Pepsi, on Super Bowl Sunday 2002.

Me: We named her after the empty soda can rolling around in the back seat. Good thing it wasn't a Coke can. BTW that was Super Bowl XXXVI (36) with the Patriots winning their first super bowl on an Adam Vinatieri field goal as time expired.
The other team was....

The Rams...

5)------------------------------
Alex: 4 weeks after we adopted her, (while on a walk) she was mauled by a neighbor's dog (a large shepherd mix) who had gotten loose. And required immediate surgery. 2 weeks later she was attacked again by the same dog. Those neighbors have since moved away.

Me: My daughter Alaina was walking her and now hates to take dogs on long walks around the neighborhood. The neighbors are actually fugitives on the run from the long arm of the law.

6)------------------------------
Alex: In July 2008, while researching dogs that might be able to tolerate a 28 pound Diva, with SEVERE large dog fear issues, my daughter Alaina discovered a retired racing greyhound rescue site. By August 2008 we had adopted Hero (racing name Star All Star), our 85 pound couch potato extraordinaire.

Me: Greyhounds are NOT your typical Dog.

7)------------------------------
Alex: Adopting Hero has changed my life in so many more ways than simply adding a four legged friend. Because of Hero we found Stowe and Maria's blog Halfway Home Hounds. (Stowe and Maria were Hero's foster family- for a few hours ;-)
Which led to my starting my own blog- this blog, which in turn led to my meeting Angela and Tracy from Treasure What You Have, which led to our fostering greyhounds for VAGA (and meeting all VAGA's other Greyt volunteers- including Michelle and Mitch). And so on, and so on...

Me: I'm still waiting for a real dog. Her blog led to my starting this blog and all those greyt greyhound folks means we now have even more people to party with!


Rule #3: (Bet you forgot the part about the rules of the award. Don't worry, this is the last one.)

Pass the award Along and everyone reading this needs to join my Fantasy Football Contest! I paraphrased... ;-)

First I am going to honor those who recently started following me because of the blog hop hosted by Life with Dogs. He gets a special mention too:

Here are my new pet followers...

Doogie the Wonder Pup
Lucky Pups
Margs Pets
Two Little Cavaliers

And speaking of Hops...
Here is a neat blog about all the wonderful products we can experience that just happen to be made with said ingredient.

The Hopback

And I could not end this without mentioning:

That Damn Sam
Gimps Wonderful Thoughts
The Mission

Until next time...

Be good. Do Well. Have Fun.

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New Years Reflections and Resolutions

RESOLUTIONS:

Lets face it. Most people do not keep New Year Resolutions.

According to most studies, only about 1 in 10 people actually accomplish or keep their New Year resolutions.

Why?

Well, maybe people just do not put a lot of thought into it?
Why are they making the resolution in the first place?
Are they picking something realistic?
Are they making the resolution too generic? Like I’m going to lose weight.
Maybe they should pick something relatively easy and simple to do? Like put pants on every day...

BTW – I tell my three year old to do this most every day. He’s almost there!

But what is a resolution? I did a quick lookup of the definition, scratched out all the answers that had the work “resolve” in them (ignored the ones relating to music, audio/visual, and medical fields) and came up with this short list.

- A firm decision to do something
- A determination or firmness of mind and purpose
- A formal expression of opinion or intention
- The act or process of separating into constituent or elementary parts.

I particularly like the last one because I think it has just as much, if not more, to do with the success of a resolution as do the first three.

REFLECTIONS:
















New Years is also a time that a lot of people reflect back on all that happened, both good and bad, over the past year. It is also a time to reflect on what you have done, not done, where you are in your life, and where you want to be. I believe it is these reflections that should drive our resolutions.

So, what about me? What has happened, not yet happened, where am I now and where do I want to be?

For this post, I’m going to limit my answers to the context of my blog.

* First and foremost: this blog. I started Fumbled Returns last January. Not because of a resolution or anything but mainly because my wife started blogging Hope and Greyz and I just did not “get it”. Why would anybody “blog”. So, strangely enough, I decided to try it out to find the answer “for myself”. And so far this is the result. And yes, I am hooked on blogging.

* Another thing that happened, and I have tracked with this blog, is that I got back into the stock market and started trading stocks. At first I stuck to my strategy, then I took a couple chances, and ended up doing really well. Then I got distracted, got lazy, did not stick to my strategy and, well, ended up not doing as well as I would have liked. So, I have to work at this and do better.

* Other stuff that has happened is, like many fellow Americans, my family finances and savings have taken a hit in recent years and as a result, I have built up a bit more debt than I care to have. So, I will incorporate this into my resolutions too.

* I mentioned that my wife runs her own blog and the theme of that blog features Greyhounds. Specifically retired Greyhounds. This is another facet of my life that has happened this past year because of my wife, and she takes all the blame I give her all the credit in the world for it.
We adopted a Greyhound and called him Hero. We liked it so much that we decided to foster. Initially I agreed to foster so long as it could be guaranteed that it would not cost overly much to do and that a “foster” would not become a permanent member of the family.
We have 5 kids and two dogs! OK, 1 dog that adopted from the ASPCA and a Greyhound. I still refuse to call Greyhounds dogs because they are unlike any other breed of dog I have ever met.
So far, everything has worked out well. We are now on our 4th foster. All others graced us with their presence for about a month and then found their “forever home”.

Because of fostering, and my wife's blogging, we have met wonderful people (Virginia Greyhound Adoption) (Greyhound Rescue Inc), been blessed with the experience of knowing Greyhounds and learned lots of new information such as the wonderful research that folks at Ohio State University - College of Veterinary Medicine and Dr. C. Guillermo Couto, DVM, Dr. Paulo Vilar, DVM and Dr. Liliana Marin, DVM do.

I too, have had the chance to meet lots of wonderful bloggers as well, and proudly promote them on my blog. Please take a moment to visit some of them: That Damn Sam Presents Snot Bubble Football, Gimps Wonderful Thoughts, In Historic the sports history blog and The Mission (once your finish reading here of course)

* One other thing that has happened, is that certain people I have known all my life have either become terminally ill and or died. One person, my mom, has been fighting Ovarian Cancer for close to 2 years. I have not mentioned this before in my blog but suffice it to say that by the time the doctors discovered it in 2008 it had already progressed to stage 4. Since then she has gone through surgery, chemo, technically gone into remission, and recently started chemo once again. Ovarian cancer and subsequent treatment thereof is nothing I would want anybody to go through, not even my worst enemies.

So, what does this have to do with my blog?
I’ll get to that in a bit so please keep reading...

RESOLUTIONS:

If you are going to be serious about resolutions, then I believe one needs define them simply and define how and when success will be achieved.

So, for my resolutions I am going to follow these suggestions for new years resolutions...

1. Be specific and break big goals into bite-sized pieces that you can handle.
For example, instead of resolving to save more money, resolve to save a specific amount such as $100 a month.

2. Create a plan to support your resolution.
How are you going to do it? Where will your money go? Will you have it deducted from your paycheck? Will it go toward retirement, building a cash reserve, or another goal? Will you need to adjust your budget?”

3. Track your progress and celebrate your victories.
Set benchmarks along the way, such as a three-month savings goal, and then celebrate when you make it with a low-cost fun and special activity.

4. Think of resolutions as opportunities to try new things.
Resolutions are a time of the year not only to try and “fix” the problems in your life, but also to try out a new way of being, a new activity or hobby, or a new attitude. Resolutions should not seem like punishments; if you try to make them fun, you will be more likely to stick with them. If your goal is to be healthier, try going for a 10-minute walk before work and enjoying your neighborhood.

Here are the resolutions that I am going to publish and track via the context of my blog.

Stocks and Finances.
1) Eliminate non housing debt. (credit cards etc.)
2) Beat all DJIA, NASDQ, S&P averages with my investment income and do at least 50% better than the 16 % return I had this year. That means 24% annual return.

Sports and Fantasy Football.
3) Conspire/Rig/Cheat as commish To have the east coast win back the Borderless League Fantasy Football Trophy next year. Oh wait, Conspire/Rig/Cheat as commish, would not be very fair and ethical, so I’ll just put down that I will make the playoffs and the East Coast will win the Championship next year.

Blog Related.
4) Double the number of people following my blog. I currently have 10 listed.

New Enterprising and Rewarding.
5) I’m starting a web site dedicated to donating to charities and activities that are most important to me and my family. Specifically The American Cancer Society, and Greyhound and Veterinary Research.

I was thinking of adding more such as the Alzheimer's Association and St. Judes Hospital, and I probably will as time goes on, but I think I will start with the first two for now.

In the past, we have given to each of these charities and will continue to do so. But, I wanted to and felt compelled to do more.
Volunteering was a possibility, but a lot of our time is already dedicated to our kids, their activities in the community and fostering and promoting Greyhound adoption that I felt we had the volunteering part down.
Then I thought about selling extra stuff on EBay and donating proceeds to various charities but then I looked at all the fees associated with doing this and I thought sheesh! What a racket.
I really liked the idea of having an auction site that acted as a sponsor with a charity. But in doing my research, each charity had/has different criteria that one needs to meet in order to officially sponsor and partner and use their logo. Some require a company to be in business for a certain amount of time (such as a year). Some require a certain amount or percentage of proceeds (such as 10%) or $25K/year .
So, here is my multi step resolution #5.

Start an auction website dedicated to Charities.
Done – Please check out The Gift Exchange.

Promote this site and generate enough traffic to achieve my other steps.
On going---
- One thing about The Gift Exchange which makes it different and hopefully more appealing to folks will be that it is completely free of any and all registration, setup and listing fees!
- I only charge a percentage/commission if and when your item sells. Everything else is Free!

Free to register
Free to place an auction or want ad
Free to trade you item for another
(this is another somewhat unique feature to the site)
Free to upload, pictures, video, etc
Free to enhance your item listing such as Bold, Category Highlight and even Front Page Feature with large format! This alone could save you over $50 in fees !

I do not require you to donate any of your proceeds to any charity.
- Instead, I take the commission from each sale and do two things.
• First I pay my expenses such as the fee Paypal charges me for the transaction and any operational expenses such as those from my hosting provider.
• Second, the remaining proceeds from the commissions collected will be donated to the charities.

Currently I have only one payment gateway setup with PayPal. As you may or may not know, PayPal accepts payments from other PayPal accounts and from major credit cards. So most everyone should be able to sell and buy on my site.
- Having one payment gateway is advantageous in that I can track all incoming and outgoing transactions in one place and report on those transactions on the web. That way folks will see the following:

o All commission proceeds are collected from the completed auctions.
o How much goes toward paying expenses.
o And how much goes to the charities.

This will enable me to hopefully achieve my goal of becoming a partner or sponsor of the charities and successfully keeping the site up and running contributing to these very worthy causes and organizations.

So please, if you have any items you would like to auction, I of course would like you to try out The Gift Exchange, tell others about it and help me promote the site.

If anybody knows other stores, companies, or organizations who might be willing to help sponsor my The Gift Exchange, I would gladly display a sponsor logo and link back.

But if you end up using another auction site, please consider donating some of your proceeds to any one of the many worthy charities out there.

Thank you.

And I hope everyone has a safe and happy new year.

Sincerely
Doug at Fumbled Returns

And thanks for following my blog.

Be good. Do well. Have fun.

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