Hello All,

Last week, I had an interesting conversation with one of the interns in my office at the University. We went out to lunch and while we were talking, we started batting around ideas for making money. One thing lead to another and I mentioned that I was looking for business ideas that would make use of both my criminal justice background and interest in finance.

The intern, whose name is Quinzzy, suggests starting a business providing concierge and security services to real estate companies in the DC area. Post 9/11, the Washington DC area has seen increased interest in security, and since the city is still regarded by some as being a dangerous place to live, there seems to be a need for security services by a lot of local business.

The margins were interesting. Usually concierge/security companies charge $25/per person per hour, but salaries are usually around $10, we figured this leaves some healthy room for profit.
At any rate, we sat down after lunch and mapped out what we thought would be required to get started with 6 months of capital.

While this many not make sense to pursue right now, it would be a good “back burner” project until both mine and Quinzzy’s time are freed up after we’re done with school.

Best,

James

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1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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