Financial independence is one of the most important goals for most people.

Yet people sometimes miss the opportunity to become financially independent because they avoid making decisions and taking action to influence their financial well being.

Sometimes they may not know what action to take. At other times, they simply procrastinate.

Understanding and evaluating where you stand today in terms of your finances is the first step in taking action and developing any sound investment plan.

You have to determine your net worth (your assets minus your liabilities) and what percentage of your resources you can apply to meeting your financial goals.

Net worth is the main measurement of your wealth. The best ways to increase your net worth are to increase your assets and to reduce your debts.

The other number to look at in evaluating your financial situation is your net income (your gross income minus your expenses).

Try tracking all of your expenses and gross income for several months. The results will help you to determine where your current income comes from and where it goes.

This information can help you better budget your spending and decide how much money you can set aside for meeting future needs and goals.

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Gaming is no longer just for teenagers — it’s entertainment for everyone. The gaming industry is not an exclusive club for large game developers, publishers and console manufacturers. Not any more. You too are invited.

The Internet has reinvented gaming, and now gaming is reinventing the Internet. Over the past 10 years, the Internet and gaming industries have enjoyed a symbiotic relationship, feeding each other new ideas and business models.

For instance, MUD (multiuser dungeon) games are not only the precursors of MMORPGs (massively multiplayer online role-playing games) such as “World of Warcraft” and virtual-world or alter-ego games such as “Second Life,” but they also embody many elements of a social network.

Nowadays it’s getting difficult to distinguish a game from a social network and vice versa, and virtual-world games such as Second Life are blurring the lines even further. Since these games are about virtual “realities,” anything that happens in the real world can happen in the game.

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