About Jim Tolley

JT writes about general financial topics and shares some personal experiences here on Penny Thots as well as his two other blogs, Cash Flow Mantra. When not blogging, JT works full-time and tries, along with his lovely wife, to corral a half dozen kids.


  1. AvatarCrystal says

    As cloud computing is only beneficial if you have internet access and ours is iffy a lot of the time, it’s unlikely we’ll be embracing the idea for most things any time soon. But it’s great for those who are confident in their ability to access what they need when they need it. When considering switching over to the cloud, just think carefully about the benefits vs. the risks for each situation and consider whether lack of access for a period of time would be a problem.