It's just another manic Monday....

Everybody together...."WHOOOooooooh....."

Kind of blowing up a bit today....but somehow this is the way I like it. When there's no activity during a day I get nervous and my productivity gets lower for some reason.

My ads for the phone directories have all been arranged. In both cases I'm spending just a LITTLE more then I intended, but LESS then both sales reps suggested I spend. So I think that's right about where my gameplan is...spending a moderate amount there. I still have plans to put additional marketing in other places so I told the sales reps I didn't want to go crazy and have all my eggs in one basket.

The cool part is that this coming year I'll have my logo & information in both directories. Whoo! Makes me feel like my business is so "official" hehe. My little child is growing up!

Taxes has been almost taken care of too. The nice thing is that my accountant has determined I'm getting money back, but recommends I just keep that "refund" and put it back towards my tax withholdings for this 2006 year. While it's not as fun as getting a big check back for my taxes, I guess it's the wiser and safer thing to do.

I'm kind of having some fun playing with my finances. Putting some money away for retirement and checking my credit history. I have a rating of 800 right now for my credit history... which is super good. I suppose this will be important if I want to pursue a home loan sometime soon. I understand the credit score can mean the difference between a few thousand dollars in interest because the banks may give me a lower rate.

For anyone who hasn't checked their credit score I highly recommend checking it at least once a year. www.myfico.com is the most comprehensive and official source right now. You pay about $45 to get the scores from all 3 credit bureaus. It's worth that investment to see how you're doing and especially to keep an eye to make sure your credit hasn't been stolen and everything is accurate. In my reports I see credit activity going back as much as 17 years... it's quite eye-opening what people can find out about you.

INGdirect (those guys with the wierd commercials about insurance) has been offering 4.75% on their personal savings accounts that you can set up online. That's an awesome rate that I've been taking advantage of. Their system is really good, you can log in at any time and see how fast the interest has been accumulating to-date. It's kind of addictive checking on that once in a while and seeing how much is being built up. I've basically transferred a good portion of my savings to them and so has my brother. The only downside of money transferred to them is that it takes about 2 - 3 business days to take or put money into that account. That's not a big deal so long as you plan for it. I recommend it.

Anyway, I better get something to eat and start jamming on work......