April 4, 2007

I Still Don’t Know What I Want to Be When I Grow Up

Filed under: 64bestloan1_yourmoneysave — admin @ 4:06 pm

I am so thankful for the options I have had, because I truly believe that having these options has made me the happy and energetic person that I am today. I was fortunate enough to be born fairly intelligent, and I was a good student. Many years ago, my high school guidance counselor told me “You can be anything you want to be.” That was not helpful, because I had no idea what I wanted to be when I graduated from high school. I was good at everything I tried to do, but I was not really drawn to anything with any certainty.

My parents could not send me to college, so I went through the first 10 years of my adult life working in office jobs and learning to be a secretary. During that time, however, the one thing that I knew was that I wanted to go to college. I finally reached a point when I was able to go to college with the help of grants, scholarships, and student loans. I was a single parent by that time, and it was not easy. I worked all through college and I loved college. That made it all worthwhile.

I majored in economics, because I loved the subject and the classes. At some point before I graduated, I decided I wanted to go to law school. I had very good grades and a good LSAT score, and I was accepted at a good law school. One of the most appealing things about the practice of law is that you can work in many different areas of law and at many different kinds of law offices. I worked for a small firm, a big firm, and the federal government. For 10 years, I was a solo practitioner, and I loved everything I did as a lawyer.

While I practiced law, I was also involved in business and real estate investments, and I also loved doing that. After 20 years as an attorney, I wanted to find a way to bring my legal, business, and real estate expertise together into a new career. I went to graduate school and graduated with an MBA. I started a business and legal consulting firm called Indigo Business Solutions, and I offer a full range of professional services. I love what I am doing, because I am not a traditional attorney. I am a strategic business attorney.

I may spend the rest of my life pursing this career, because it is so inspiring and challenging. If so, that is wonderful. If not, that is alright because I will find another way to reinvent myself and start another career. You can see from my history that I am not afraid of change and I am not risk-averse. Even though I may not be doing the same thing five years from now, I enjoyed everything I did, I loved having choices, and I have been happy and energized. It was good for me that I did not know what I wanted to be when I grow up.

Jo Ann Joy, Esq., MBA, CEO
Copyright 2006 Indigo Business Solutions. All rights reserved
.

About the author

Jo Ann Joy is the CEO and owner of Indigo Business Solutions, a legal and business consulting firm. Indigo Business Solutions is a “one stop shop” for small businesses. We differ from other business consulting firms, because we offer comprehensive legal and business counseling. We can offer most of the professional services that a business requires. We work with our clients to develop strategies that create value and competitive advantage. Our goal is your success.

Jo Ann has a law degree, an MBA, and a degree in Economics, but she is not a traditional attorney. Rather, she is a strategic business attorney who works closely with clients to create and implement strategies that will greatly improve their performance and chance of success. Her background includes commercial and real estate law, accounting, financial planning, mortgages, marketing, product development, banking, and business strategies. She ran a successful business for 10 years, and she has written and given presentations on many different legal and business subjects.

You may contact Jo Ann by phone at (602) 663-7007, by fax at (602) 324-7582, by email at joannjoy@Indigo Business Solutions.net, and by mail at 2313 East Ocotillo Road, Phoenix, AZ 85016

For more information about these and other important business topics and for legal consultation, please visit our website at http://www.IndigoBusinessSolutions.net

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March 28, 2007

Karla Darocas Artist, Entrepeneur, and Canuck Expatriate in Spain

Filed under: 64bestloan1_yourmoneysave — admin @ 5:08 am

I had an opportunity to meet Karla last year on one of my trips to Spain. My interview preview will give you a bit of background on our meeting. Karla is a fascinating individual, a painter, writer and overall creative person, but also an entrepreneur with a bit of an alternative flair. Here is what she has to say about her experience as a North American expatriate living in Spain.

1. Tell us a bit about your background. Where did you grow up, what is your educational background and what did you do before you moved to Spain?

I was born in Toronto and raised in a small provincial town called Bowmanville - just east of Toronto. I moved back to Toronto after high school and attended Humber College in Rexdale where I studied creative arts - like fashion design, photography and writing. After college, I opened my first enterprise - a boutique in Toronto’s trendy Queen St. area - that sold weird and wonderful wearable art objects.

I sold that business in 1983 and went to the University of Waterloo where I received an honours degree in Fine Arts. I graduated in 1990 - and started my second enterprise - called Zona Communications. It was a communications company - and I jumped into the internet with both feet. I went on to build my first Internet enterprise - which I sold to a California company in 2000. I lived in sunny southern California after the sale of my enterprise - until the New York World Trade Centre tragedy - September 2001.

I packed up everything and went back to Bowmanville. Then 10 days later - I packed some items and flew to Zurich, Switzerland and married my long-time Spanish boyfriend - who had been working in Zurich for 8 years. We packed up his apartment - and by December 2001 - Christmas - we moved to Spain.

2. You now live on the Costa Blanca in Spain. How long have you lived there and what made you move there?

We have been here since December 2001. We didn’t know where we were going to live - so the first logical place to go was to where Jose, my husband was born - Xativa. This is a castled city in the interior of the province of Valencia. We lived there for 6 months. We were unemployed and free to travel around Spain - as it was our honeymoon. We bought a 4×4 and traveled up mountains and down into valleys and places that no tourist would ever think of going.

However, we really wanted to move out to the coast - to the sea. We had met in a fishing / holiday village called Javea - back in 1988 - when I was a University student. I came to Spain twice - on student loans - to study art at the Prado in Madrid. Then, I would head out to the coast to party and hit the beaches.

My Spanish sweetie was a waiter in a fine little restaurant called - El Solomilllo - right on the beach. We fell into a crazy kind of love - and spent two wild summers together. We kept in touch for the next years though a friend - until the Internet was developed.

When we came to visit Javea from Xativa we found an old friend, Carmelo. He gave my husband a job and we moved over to the coast. We now make Benitachell our home - which is only five minutes from Javea.

3. What is it like to live in Spain? What are the main cultural differences between living in North America and living in Spain? What was the adjustment phase like initially when you moved there?

Spain is an old culture, full of raw passion, tragedy, love and a fascination with the macabre. It takes some time to get used to the intimate nature of the people. They are a nation of huggers and kissers. In North American culture where a handshake is normal to greet people, here in Spain it is a hug and a kiss on both cheeks. This is standard for men and women. No one ever thinks that you are gay because you are kissing a member of the same sex. This is a silly notion.

Spain is a noisy country. They have a great love of fireworks. Motorcycles do not have mufflers and they roar like big beasts through the streets. People don’t talk to each other - they yell. A North American would think that fight is taking place in a bar when the Spanish get going. But they are not fighting, this is normal communications.

Spain is a dangerous country. Every criminal who flees persecution in their own country comes to Spain. Every type of mob is here, Russians, Romanians, Italians, Yugoslavians Plus every killer soldier left over from some Central European war. Terrorism has been a common scenario in Spain thanks to the Basque separatist movement (which learned everything they know from Canada’s FLQ). Every week, an unknown body will show up dead in a ditch due to some Columbian drug payment that didn’t get paid.

Drinking and Driving in Spain is normal. Death is cheap on the motorways. Every weekend families say goodbye to loved ones as the jaws of death scrape the mangled bodies of young and old from a twisted up piece of metal that used to be a car. Beer is not considered a dangerous drink, yet it has a 5% alcohol content. If you do need to get one you can go through the Drive-Thru window at your nearest McDonalds. Both wine and spirits are very cheap in Spain - so it is an alcoholic’s dream come true.

Smoking is not prohibited and cigarettes are very cheap. Everyone here starts smoking at a very young age. The women stay nice and thin as they don’t eat, they just smoke. Everyone has black circles under their eyes. The mix of the cheap brandy and cheap cigarettes creates for very smelly people.

4. You have now spent several years living in Spain. What places have you seen? What festivals have you experienced? What gastronomic pleasures have you enjoyed?

Our favourite festival is the Fallas Festival in Valencia. We look forward to the first two weeks of March with such passion. It is the most amazing festival both visually and emotionally. The combination of art and fire, noise and danger - it all comes together in this festival.

We have so many favourite foods - like paella and sausages packed with pork and mountain grown herb. We love flan and rice puddings. We love all types of seafood and fresh veggies from the market.

5. You are always involved in a variety of endeavours. Tell us about the various websites you are working on.

My husband and I try and keep all of our important information on our own website - http://www.darocas.com/ - this is where I keep track of my paintings too. Then, I have another website called http://www.spainlifestyle.com/ where I store my writings and poems and photos of the renovations on our house. Then, we have another site called http://www.spainphotos.net/ where we store our Spanish adventure photos.

6. In addition to web sites, you also participate in several business organizations. What are they and what is your role?

http://www.palomera.com/ is a website that seeks out and tracks what the Spanish business community is doing and we can watch business trends.

Last year, I started a business club for women - which has grown and we are actually hosting International Women’s Day. It just goes to show the power of women to make something out of nothing. This is a club of international women who have come to live on this coast. The website is http://www.wibc-spain.com/

7. Obviously both you and your husband have a strong entrepreneurial orientation. You are now also involved in a project that involves a luxury Canadian cedar log home development in Spain. Tell us more about that project.

We both love wood homes. The homes in Spain are made from cement - so they tend to be cool in summer, which is good, but during winter and the stormy season cement homes are damp, cold and clammy. They are always full of cement dust and if they don’t get enough sun they get moldy.

The Spanish don’t have a good understanding of wood home building but the many of immigrants from England, France, Switzerland, Germany and so forth love their wood homes. So I hooked up with some old university friends from Canada who design and build wood homes in order to be able to offer a Canadian cedar log home to the Spanish landscape and marketplace. We are currently working on a project with a Spanish developer to build the first wooden home community in Spain. That website is called http://www.spainloghomes.com/

8. In addition to your entrepreneurial ventures, you are also an artist. Tell us a bit about your artistic background and the creative endeavours you are involved in now.

I love to paint. I had not done it for many years due to being so involved with the internet industry. When we moved here I was so happy to get back to my passion and use my skills that I developed at university. Now, I paint to please myself but the paintings sell very easily to people buying new villas or to tourists.

9. Talk to us about the expatriate experience in Spain. Where do community of foreigners live, how do they interact, what types of business and activities are they involved in, and how has that changed the country?

The coastlines of Spain are turning into very international communities. It reminds me of what California and Florida must have been like back in the 60’s and 70’s. Every retired person from northern Europe is moving to Spain for the sun and sea.

They are bringing their cultural mix and adding it to the Spanish culture. The rest of Spain is changing too - for the good and for the bad. There are more social reforms happening in Spain now - for women and for labour and social welfare. The new government is young and progressive.

The bad side is that the progress is too fast and the natural beauty and landscape is being filled up with cement houses looking like low cost housing, but as holiday homes they are fetching a huge price. This inflation is eating away at the poor in this country and now young Spanish people are looking at an era where they will not be able to buy a home.

10. What advice would give to someone else who is considering moving to Spain?

Don’t’ move to Spain unless you are willing to be flexible. There is nothing stable about this country and perhaps there never will be. If you are rich, and can live off a pension and golf everyday you will be fine. If you think you can move to Spain and get a job forget it. However, if you are an entrepreneur and can see the holes in the marketplace and you have the guts and know-how to fill the hole you will be fine.

Thanks, Karla, for sharing your viewpoints and experiences. I appreciate your insider’s insights into a culture that has fascinated me for a long time. Good luck with your endeavours in Spain!

Susanne Pacher is the publisher of a website called Travel and Transitions (http://www.travelandtransitions.com). Travel and Transitions deals with unconventional travel and is chock full of advice, tips, real life travel experiences, interviews with travellers and travel experts, insights and reflections, cross-cultural issues, contests and many other features. You will also find stories about life and the transitions that we face as we go through our own personal life-long journeys.

Submit your own travel stories in our first travel story contest (http://www.travelandtransitions.com/contests.htm) and have a chance to win an amazing adventure cruise on the Amazon River.

“Life is a Journey

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March 21, 2007

Tips on Finding the Best New Car Loan

Filed under: 64bestloan1_yourmoneysave — admin @ 4:05 am

Finding the best new car loan can save you thousands of dollars over the life of your loan. That is why it’s so important to know where to look in order to find the best new car loan. This article offers some tips to help you get started:

Online Lender Portals

There are many websites on the Internet that serve as lender portals. These sites gather some personal information about you and submit your information to several different lenders. The lenders then offer you loans based on the information you provided the initial website. This can be a great way to find the best new car loan. You can browse through the offers you received and compare them to each other. Once you’ve found the best offer, then you’re ready to look for loans in other places.

Personal Bank Loans

Sometimes, if you have a good banking relationship with your personal bank, they’ll offer you customer loyalty loans. These loans could potentially have much better interest rates and terms than the other companies you’ve looked into. Since you’ve already chosen the best deal you found online, compare that offer with the one your bank offers. Choose the better deal and look in another common lending establishment.

The Dealership

Sometimes dealerships have promotions they use in order to sell cars. These promotions could even be as good as 0% interest for the life of your loan. However, these promotions are usually reserved for borrowers with immaculate credit. If you have great credit, or, even if you don’t, find out what type of loan a dealership will offer you. Compare it to the best loan you were offered from both the bank and the online lender portal. Choose the best of the three, and you will have found the best new car loan you can qualify for.

Visit Car Loan Sense to view our Recommended Auto Loan Lenders online. Also, visit Car Loan Sense for help finding the best New Car Loan.

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