To quote the very well-known motivational speaker, Anthony Robbins, "Questions are the answer."

What exactly does he mean? Tony believes, as do I, that you have the ability to find the answer to any question. They key is to ask the right questions. If you're constantly asking yourself, "Why was I so stupid to get into debt?", your brain is going to give you an answer like, "Because you're a loser."

The thing to remember is that your brain will keep working on your question subconsciously until you get an answer. We've all had the experience of waking up in the middle of the night with the answer to something you were thinking about earlier in the day. The quality of the answer is directly related to the quality of the question. A better question is "What action can I take today to start reducing my debt?" Your brain will ponder this until it returns an answer. That may be something like, "Get financially organized. Look through all my credit card statements and see if I can determine if any one card is better than another.

" Here are 10 questions whose answers, I am confident, will guide you to a better financial life:

1. What action(s) can I take today to start reducing my debt?
2. How can I start making more money within the next 5 days?
3. What can I do to start saving money?
4. What did I learn about finances today?
5. What day, this week, can I commit to going to the library and researching my financial options?
6. How can I use my computer and internet to improve my life financially?
7. How can I double my income within one year?
8. What dreams did I have when I was younger that I should revisit today that would improve my life?
9. Do I have the right amount of insurance?
10. How can I enjoy the process of working to reduce my debt?

Author: Scott Bilker is the founder of DebtSmart.com and the author of Talk Your Way Out of Credit Card Debt, Credit Card and Debt Management, and How to be more Credit Card and Debt Smart. Send your questions about money, credit, loans, mortgages, or debt, to him at: Scott Bilker, PO Box 563, Barnegat, NJ 08005-0563 or online at: http://www.debtsmart.com/askscott

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10 financial questions you should ask to find the answers

"You answer my questions with questions..." The lyrics of the song question strike me often.
What does it really mean? So, each of us has the ability to find the answer to any question. They key is to ask the right questions. If you're constantly asking yourself, "Why was I so stupid to get into debt?", your brain is going to give you an answer like, "Because you're a loser."

The thing to remember is that your brain will keep working on your question subconsciously until you get an answer. We've all had the experience of waking up in the middle of the night with the answer to something you were thinking about earlier in the day. The quality of the answer is directly related to the quality of the question. A better question is "What action can I take today to start reducing my debt?" Your brain will ponder this until it returns an answer. That may be something like, "Get financially organized. Look through all my credit card statements and see if I can determine if any one card is better than another."

Here are 10 questions whose answers, I am confident, will guide you to a better financial life:
1) What action(s) can I take today to start reducing my debt?
2) How can I start making more money within the next 5 days?
3) What can I do to start saving money?
4) What did I learn about finances today?
5) What day, this week, can I commit to going to the library and researching my financial options?
6) How can I use my computer to improve my life financially?
7) How can I double my income within one year?
8) What dreams did I have when I was younger that I should revisit today that would improve my life?
9) Do I have the right amount of insurance?
10) How can I enjoy the process of working to reduce my debt?

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Five More Tips on Trimming IT Waste

Everybody nowadays strive to cut on costs and wastage. Global recession has affected almost every strain of human concern and activity such that even the health conscious efforts of women to trim down and gain a flattering new look becomes a necessity for savings. In the ICT sector, cutting on "fat" should always be something IT shops aspire to do. It has become an imperative in these budget-constrained times to identify areas of wastage and do something to avoid the spillage. Here are five ways IT departments waste money:

Making unnecessary upgrades.

While there are plenty of good reasons to upgrade hardware and/or software, the article makes the point that too many IT shops don't base upgrade paths on actual need and instead adhere to a schedule in which systems are automatically replaced at predetermined intervals. You can obviously save money -- and likely some user angst as well, the article points out -- by hanging onto gear that'll suit present and short-term future needs.

Failing to upgrade old, inefficient equipment.

Delaying upgrades too long can result in unacceptable downtime, inflated repair and maintenance costs and just plain inefficient operations. It's OK to upgrade some, but not all, departments or individuals while letting others keep what they have.

Overspending on hardware.

This a plug for virtualization, and with good reason. Adoption rates for virtualization have grown quickly, and the opportunity for cost savings is one of the reasons why. Virtualization is one of three trends shaping the future of the data center. Making use of a on-demand infrastructure like Amazon's Elastic Compute Cloud (EC2) for projects that require temporary bursts of computing power, is a wise decision. Jonathan Bryce, co-founder of Mosso, the cloud computing division of Rackspace, told me the same thing when I interviewed him for a story on cloud computing. With the cloud, he said, “You have access to the infrastructure if you need it, but you don’t have to buy it upfront. If you’re uncertain about usage, you’ll probably end up buying the wrong amount of infrastructure."

Not using the training budget effectively.

Among the good suggestions: Instead of sending multiple employees to training, send one person who can then instruct his or her colleagues. Consider forgoing certifications. E-learning can be a good option, as detailed in this post.

Wasting money on travel expenses.

You can take Cisco's lead and employ videoconferencing and other emerging communications tools, which helped the company double its sales calls while cutting its travel budget in half. While there are some really pricey solutions, much more economical options are available. When travel is truly necessary, employ such tried-and-true cost savings measures as driving rather than flying and staying in reasonably priced hotels

Now, what do all those health-conscious ladies have to identify to be able to quash the bulges and feel sexy and confident. It professionals have to learn from them or vice-versa. It's a matter of valuing and re-aligning priorities. Practicality never gets obsolete.

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