Throw Me Some Ideas

by JT McGee

What interests you? Are you one of my 51-57 subscribers who tend to come back with some regularity?

Are you a “type MoneyMamba into Google to over-inflate my search engine traffic and make me feel like an SEO-king visitor?”

Either way, I want to know what interests you. Because if I don’t know what interests you, I write about stuff that interests me, which is cool, but I don’t read my posts once I post them. Plus, I tend to err on the side of nerdy ADD interests that I explore for a few hours to extract every little bit of the thrill in the intellectual pursuit. What can I say? It’s what I do.

Do you want to know about the take and bake business model, or how I feel about the current e-business boom? How about an article on how I think brain drain is overstated. Structural problems in raising interest rates?

Any of the following personal finance rants?

Leave a comment; tell me what you like or don’t like. Consider this a market research post.

As always, thank you for reading. You make my time here really enjoyable.

Photo by: Nina Matthews

{ 14 comments… read them below or add one }

Jeff Reed July 1, 2011 at 10:09

My personal interests range from home-brewing beer to motorcycling in the Smoky Mountains (activities not to be combined). I am an avid reader and have broad topics in my library and Kindle. Whatever you choose to cover will probably appeal to me on some level. I really like the way you share your thoughts with candor even if they are a little “nerdy” ( I prefer detail oriented)
Professionally I am interested in what makes the average guy or gal tick when it comes to the world of finance. As a nation we are financially illiterate and there doesn’t seem to be any sense of urgency to correct the problem. As a financial advisor I of course like to work with knowledgeable clients. However it is more rewarding to help a family begin to plan their financial future and to see the impact it has on their lives ( I know it sounds corny but it is true). The only way to break the chain of ignorance is one family at a time and not a government program.
Keep up the great work JT.


JT July 4, 2011 at 22:21

I think we see a lot alike. Like you, I have a lot of interests, most of which come and go.

You’re definitely right, Jeff, in saying that “the only way to break the chain of ignorance is one family at a time and not a government program.” High-five to you on that one!


Norman July 1, 2011 at 15:15

I tend to like your stock analysis posts. Since I’m an old dude, compared to you, I like your young and fresh perspective in all your articles. But I swear I’m gonna get mad if you try to outrun the campus police again!


JT July 4, 2011 at 22:23

You’ll never let me live that one down, will you? 😛

I tend to post only 1-2 posts a month on stock analysis, maybe an additional business model analysis thrown in every once in awhile. If I judge interest based on comments, they’ve been the least popular, though thank you for throwing your input in on this post, and the post about the insurance company. (Among others, of course.)


Bill July 1, 2011 at 16:50

I Google this site once or twice a week for interesting topics. I don’t know about others, but I really like the variety. You should add more posts each week.


JT July 4, 2011 at 22:24

Your wish is my command! No, really though, I think I may step it up to 3 a week. I’ve had a surplus of ideas each week, and I’m finding that with a little extra time I can do three posts easily.

Thanks for coming back and commenting. I appreciate it.


gharkness July 1, 2011 at 17:23

Thank you for asking! I never come here “looking for stuff”; I must prefer the easy way – you are in my RSS reader. You post; I read – simple as that 🙂

I am a CPA, and I work in the tax software industry, though I did spend some years actually preparing tax returns – lots of them. I am very interested in personal finance, and one of my very most interesting topics lately has been Peer to Peer lending (aka Lending Club). I want to earn money, and lots of it, frankly, not so I can spend it on trinkets, but so I can engage in my first love, which is cruising and other travel.

I like the big-ship cruises just fine, and I have been on a lot of them, but I have come to the realization, that if money were no object, I would sell what I have and go (with my husband) get on a freighter ship for a round-the world voyage. And then, after being on land long enough to see my grandkids, I’d get on another freighter….and another….

I am a relatively new subscriber, so I haven’t looked into your archives yet, but if you can give me some tips on more quickly achieving financial independence (I got a late start, unfortunately), I would be ever so grateful.


JT July 4, 2011 at 22:27

I hate to say it, but I’m not too keen on P2P lending. Some people do well with it, but I just can’t trust what people SAY about their finances when I can buy pieces of companies that are audited by big 4 firms. Have you had success in P2P?

Hmm…I’m not sure quickly and independence belong in the same sentence. I think there is definitely room for most people to beat the market with small investment portfolios, which is a great way to achieve financial independence, but most people don’t want to put in the work. I’d post more about individual stocks, but I’d feel bad putting them in front of people who don’t have the same risk tolerance.

Thank you for your comment. I don’t think I’ve seen a comment before from you, and I definitely welcome your input in the future.


gharkness July 5, 2011 at 04:37

“I can buy pieces of companies that are audited by big 4 firms.”

What, like Enron? 🙂

I am only starting in P2P, so I can’t really answer that yet, but I hear you about “what people say about their finances.” I thought about this a long time, and I pictured myself taking the amount of my investment in cash and lighting it on fire, and decided that if I lost every penny of it, I would be okay with it, but at least I would have tried. (IOW it’s not a huge investment, nor is it money I needed for anything else, and at 1.00% it wasn’t going anywhere in its CD.) In addition, it’s the best way I can think of to learn the P2P platform. Experience is the best – and sometimes the most painful – teacher.

Yes, I understand the juxtaposition of “quickly” and “independence” doesn’t work well, but I am finding the need to save and earn faster, since I have not too many years to go before retirement. None of that would bother me too much, but I totally, completely and passionately hate my job, so if I can get out of it any sooner, that would be a bonus. At my age, looking for another job really isn’t in the picture. Even CPA’s have to worry about age discrimination.


JT McGee July 5, 2011 at 09:48

Haha, yeah, exactly like Enron. 😉

You’re clearly in a good position to do well with P2P if you can accept that the money is nothing more than points on a board. Once you start getting the idea that money gained or lost could be money spent, redeemed, or used, then you start getting into a position where your emotions rule your investment strategy…and then you’re screwed!

You’re the second CPA I’ve heard that completely hates their job. Is there any chance you could freelance tax strategy advice? I know that I would gladly pay a CPA for tax strategy advice for my personal/business returns.


Car Negotiation Coach July 2, 2011 at 18:05

JT- I know this is not one of the topics you mentioned, but I love hearing your advice about SEO, monetizing blogs, google’s latest page rank update, etc… Also, love to hear how the new office space is working out.


JT July 4, 2011 at 22:29

Heh, Geoff, SEO, monetization, and PageRank sounds a lot like a job–because it is my job. In the future, I might start an alternative blog on these kind of topics, though it sounds about as disinteresting to me (right now) as watching paint dry. LOL. This blog is to get away from that. And I’d probably bore most people with it as I nerd out with it.

A future post on the new office space is certain. Thank you for commenting, I appreciate it!


Jonathan Harms July 6, 2011 at 09:55

I bet you have more than 51-57 subscribers. I heard it said once that for every comment you can expect that 1,000 people have read the post. But, even if the comment/reader ratio is a higher decimal, that means you have a higher quality following:)

I think your community can get along quite well and even help each other. @Jeff Reed is a financial advisor who is interested in clients capable of financial literacy, @gharkness, a CPA, and me? I work in the financial education publishing business. You? a Future Northwestern Mutual intern, JUST KIDDING!

As a recent college grad, I am starting to set up my financial foundation. My first few steps are in place, but I am curious about investment strategies like purchasing one stock over another because it does, (or doesn’t) pay dividends. I don’t exactly know what to do here. Even if dividends are paid, I would prefer they be reinvested so I don’t have to pay tax on them. Plus, I don’t need the dividend money for living because investment dollars are; well, just that, investment dollars. I am thinking that there is a topic like on here about that, I’d just have to GOOGLE it once or twice a week:)


JT McGee July 7, 2011 at 13:23

1) There are probably a few more. I have stats on the subscribers, but it goes so high and so low each day that it can’t be pinpointed. I guess I could post daily, then I’d know. NAH!

2) Yes, definitely. Financial education publishing business, huh? Must be a good time to get into that…since everyone seems to need it. No comment on the last joke. 😉

3) Thanks for the thoughts here–this gives me a lot to think about. From a top level view, I like to stick to earning more than saving more, since earning more is infinitely scalable but saving more isn’t. I’ll have to include some more posts on the financial markets, I think. There seems to be a shortage of information, but plenty of demand. Thanks for your comments.


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