Give yourself a raise; Leveraging your talents; Five mistakes you’ve made in 2012; Before you take the plunge; Traveling on a shoestring budget

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By Amanda Morrall (email)

1) Brown bag it

According to a recent study, the average U.S. worker spends about US$3,000 a year on coffees and lunch. I expect were in the same ballpark in Kiwiland, maybe worse because food is more expensive here. By foregoing these splurges, you can save a heck of a lot more if that money is put to a more productive use. This piece published in the Wall Street Journal calculates that US$250 a month saved, invested and earning interest, will grow to US$90,000 over 30 years.

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Jan 23, Sears Stock (SHLD) Chart, Price, History, Value, Today, Per Share

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Growing online sales helps Sears stock improve fundamental basis for long-term growth. But stock markets are not always rational. Find SHLD analysis here. Looking for Broker?

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2012: The year of the artist-entrepreneur

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(GigaOm) While 2011 was a big year for political unrest, another uprising was afoot in the world of content creators and artists. Everywhere you look, artists are taking more control over their own economic well being, in large part because the Internet has enabled them to do so. You see it in all forms of content, from books, to video to music.

A few examples from this year:

e-books: Probably the most active area in large part because there is huge shifts taking place in digital publishing.

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Opinion: Tony Vidler, advisor to the advisors, says the industry hasn’t done itself any favours lately and suggests a simple plan is needed to resolve the confusion

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Soup of confusion

By Tony Vidler

One of the intriguing little debates happening in New Zealand financial services in recent times has been the use of new, rather different, acronyms for different types of advisers. Observing the often heated debate got me thinking: who cares? The answer actually surprised me: I do. I care.

The incessant bickering, the unnecessary market noise it creates, the head-shaking that I am sure these types of arguments provoke in the non-adviser parts of the industry, the distraction and amount of wasted energy and resource that gets pushed into little guerilla wars…I care because all of these things limit our chances of success, and are a barrier to creating a better piece of New Zealand.

We have plenty to use in the way of acronyms now.

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Dec 18, Dow Jones Chart – Live, Today, History, Real-Time, Streaming, Free

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Real-Time streaming Dow Jones chart of DOW Index with adjustable line type, time frame/period, and optional technical indicators is available here. Would You Like to Trade this Security?

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Dow Jones Chart for Last Month

Dow Jones Chart for Last 12 Months

Dow Jones Chart for Last 5 Years

Read About How to Use Chart Module

Real-time streaming chart (Dow Jones Chart) can be customized.

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Can I still get my 2006 refund?

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Answer:  Garrett – In cases where a return was not filed, the law provides most taxpayers with a three-year window of opportunity for claiming a refund. If no return is filed to claim the refund within three years, the money becomes property of the U.S. Treasury.

The the letter you received should have explained the reason for the denial.  In most situations there is no recourse when the return has been filed after the three-year window has passed.