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Evolution in human consciousness
Here I define consiousness as our ability to interpret the world around us, meaning of life, past and future.
It is easy to justify evolution in physical body by its attempts to adapt to environment. What if consciousness has also evolved? Maybe at some point there were humans with ability to see the future, but they did not survive because it was ( Read more... ) -
debt or not
I have met many people that avoid loans. Some even don't borrow for business purposes. Ethic extremals don't borrow even interest free ( Read more... ) -
Immigration
In the late school years the "wish-country" was selected by posters and movies. US was therefore leading until when thoughts about the cultural identity filled my mind, and then Europe took the place. Then pragmatic life of a family head made the search for a heaven as simple as looking to the country GDP per capita ratings. Uruguay travel added ( Read more... ) -
Coca cola
A personal ban on Coca Cola started 2 days ago and will last until April 20, 2015. This is my second Coke ban. The first one started upon return from Uru and lasted until Nov 2013 -
Tricks to meet budgeted monthly expenses
Willshare some tricks that helped me avoid overspending on grocery and entertainment categories in my personal budget ( Read more... ) -
From Marx's Capital about saving
...In order that gold may be held as money, and made to form a hoard, it must be prevented from circulating, or from transforming itself into a means of enjoyment. The hoarder, therefore, makes a sacrifice of the lusts of the flesh to his gold fetish. He acts in earnest up to the Gospel of abstention. On the other hand, he can withdraw from ( Read more... ) -
Telecom interview
Some time ago I happened to be on an interview with the local telecom company. They were exploring my understanding of the industry specifics and I based my answer on what I experienced in telecom audits. It looked to me that they approved those answers at that time.
The major field is billing. This stage of revenue generation process is extremely ( Read more... ) -
Luxury products
What do rich people seek when shopping for luxury products. If I've correctly interpreted a recent training by one of our brand ambassadors - they buy experience.
What is application for luxury shop finance?
Probably the most obvious one is to stop saving on margins.
On balance sheet it means significant investment in the environment: fixed assets ( Read more... ) -
Love budgeting
Read a lot about budgeting before actually done one. Here are some things that proved worthwhile to know then, and things that came up only when hands were on:
Worthwhile to know:
1. Concept of the budgets are to be there before running Excel. The most important one: limiting factor - the starting point. In 95% of commercial entities it is Sales.
2 ( Read more... ) -
A small yet nice finding in Excel
Decided to post this since helped me a lot ( Read more... )