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One Community Bank’s 3-Step System for Wiping out Credit Card Debt
Now more than ever, the news about banks lending money is doom and gloom. From the president’s sobering speeches about this country’s financial crisis to the headlines to the 24-hour financial news segments, the message is ... Views: 642
How Investing With Your Community Bank – in Good Times and Bad – Isn’t Just Safe But Smart!
In the famous Christmas movie It’s a Wonderful Life, the townsfolk lose confidence in their local savings and loan and demand the balance in their accounts, immediately, creating what is known as a “run” ... Views: 663
Lots of folks are talking about“toxic assets” and how they have dragged our nation into its current financial dilemma. But "toxic assets" are just a symptom. The real problem is the mindset of the people who made terrible decisions.
We can't control those folks. And what's done is done.
What ... Views: 475
6 Sound Banking Principles from the Folks Who Should Know – the Banking Industry!
In these hard times it can be challenging to consider making money, let alone saving money. But regardless of your current financial situation, and in good times and bad, money matters and the more you know about ... Views: 724
One Community Banker Separates Fact from Fiction to Help You Understand the Modern World of Banking
If you listen to the news about banking these days, be it on TV, in the paper or from the radio drive-time talk shows, it’s mostly doom with a heavy sprinkling of gloom just for good measure: ... Views: 744
“I dread doing this,” I said, heaving a long sigh, “but we can’t put it off any longer.” I wrinkled my nose toward my husband. “The closet really needs cleaning.”
Rolling up my sleeves, I tackled the chore with reluctance. Items came off the shelves —a hot pink Flamenco dress from my dancing ... Views: 1253
If you’re planning a holiday, you may be tempted to neglect your travel insurance. Indeed, it might seem like a lot of bother and extra cash for something that may not even happen, so it’s unsurprising that travel insurance gets ignored by many holiday makers. Underestimating how important ... Views: 624
"Failure to recognize possibilities is the most dangerous and common mistake one can make." - Astronaut, Mae Jamison
You must admit that the title of this article is a little strange, because when you think of a budget you usually feel everything else but thriving. You see a budget as a tool ... Views: 1052
Families and individuals who need basic requirements can apply for government personal grants. You will have to fill some requirements to get this free money. It can be got for food, health care, housing and other emergencies like electricity bill.
There are some requirements for getting ... Views: 968
You can try for government grants for small farms if you own a small farm or field and have products which can be sold, but don't have the money to do it. The Government wants to encourage agriculture and small fields. You can make a good business plan with the help of many agencies. Some ... Views: 826
Did you know that almost 80 per cent of women recently said they would go on a spending spree to cheer themselves up? The survey, conducted by Professor Karen Pine, from the University of Hertfordshire, concludes that some women use shopping as an emotion regulator, “a way of anesthetizing ... Views: 895
This simple and profound saying by Carl Jung is a phrase every trader, investor and wannabe should have firmly programmed into their minds, for our shadows are stalking us day and night, mostly without our conscious knowledge.
And this is precicely where the big danger is lurking, because ... Views: 1318
Plenty of individuals prefer to pull out unsecured personal loans rather than secured personal loans, for numerous reasons, like the approval time. The fact that you can apply and receive the money you intend to borrow makes the service very desirable, preferable, suitable or whatever synonym ... Views: 936
Do you need and deserve a second chance financially? We have all made financial mistakes at one point or another in our lifetimes. And while some mistakes are short lived, other financial mistakes seem to follow us for years. In the event that you have financial issues with financial ... Views: 1112
Mistake #1: Retiring when what you really needed was a break. All too often I see people in their fifties and sixties who retire or take an early incentive offer because they think they’re ready to stop working. After a few months or a few years they find themselves bored and restless and ... Views: 1033
Question: I’m trying to decide if an annuity is right for me but I’m confused by all the different types. Can you explain the differences? Geraldine, NJ
Answer: Sure Geraldine.
An annuity is a contract between you and an insurance company. Your money grows tax-deferred inside an annuity ... Views: 1254
The traditional view of a mortgage is a loan to buy your home, which you spend the next 25 to 30 years paying back, with interest. Finally, close to retirement age, you’ll be free of this debt and will own your home.
Here’s a more radical approach: Mortgages are a key tool that can help ... Views: 1435
You may believe that statements such as this are nothing but “new age” nonsense. How can we possibly think ourselves rich? Surely we actually have to do something, physically, in order to create the riches we’ve always dreamed of?
But ask yourself this... is your life full of riches now? Do ... Views: 813
You may believe you’re doing the right thing by making contributions on a monthly basis to a pension scheme. But do you actually know what’s happening to that money and how much you’ll get back when you plan to retire?
You may have been sold your personal pension plan by a financial advisor but ... Views: 880
You may think you’ve got your retirement covered financially because you diligently pay into a pension every month. Your financial adviser may have offered you what looks like an excellent pension deal... but have you actually sat down and analysed the figures?
Say you retire at 65 and live ... Views: 879
If you’ve ever wondered why the wealthy just seem to get richer, while the rest of us slog away at work and never seem to make any serious cash, then keep reading. The secrets of the worlds wealthiest have been exposed and once you understand these principles you’ll see why they seem able to ... Views: 870
You may think that you have a firm grasp on your assets, spending, debt and future financial status... however you could be in for a huge shock after reading this article.
The fact is the average person is deluding themselves when it comes to their financial future. If you save regularly, ... Views: 838
Why are you here? Why are you on the planet right now? Many people believe we each come into this life with a purpose, a reason for living. Considering that every element in nature has a specific purpose for existing, and we are an integral part of nature, it stands to reason that we have a ... Views: 1066
Most of us were never taught how to win the money game and if we were, most likely we were taught by people who weren’t very good at it. – T. Harv Eker
T. Harv Eker grew up the son of struggling European immigrants who had come to North America with only thirty dollars to their name. Money was ... Views: 1129
All of us have a personal money blueprint ingrained in our subconscious minds that will determine our financial lives.
Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their education, ... Views: 13624
Wealth File #1: Rich people believe “I create my life.” Poor people believe “Life happens to me.”
Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t.
When you are complaining, you become a living, breathing “crap ... Views: 11923
"There’s the general economy, and then we each have our own personal economy. The general economy is definitely suffering. MY economy is great."
-T. Harv Eker
More than ever before, having the right mindset and tools is key to financial success. While the markets continue to be ... Views: 909
It’s true. ‘The rich do get richer’. Rich people seem to actually attract wealth MORE EASILY and there’s a reason.
If you’re reading this now, I’m willing to bet that you’re not reaching your true financial potential. But why not?
What’s holding you back from achieving your dreams?
Why do ... Views: 835
$205.2 billion –this is the estimated value of products US imported from China in 2008. $727.4 billion –this is the amount that the US Treasure Bill held by China as of November 2008. These two countries are no longer far apart from each other across the Pacific today. Instead, they are ... Views: 641
The automatic stay is one of the most powerful weapons in a bankruptcy arsenal to protect a debtor from his or her creditors. It’s impact is immediate upon the filing of the bankruptcy petition with the court, and its purpose is to provide instant relief from the stressors of creditor ... Views: 1007
You may ask how do healthcare costs and Cleansing go together? Well, analyze this:
Health care costs are so high for 80% of Americans to afford, up to 60% of that 80% opt to obtain minimal coverage, or opt for no coverage at all. The percentage of people not insured just wing it, and “hope” ... Views: 545
Once upon a time, collateral was king when it came to borrowing money. And your home was typically the crown jewel of your collateral assets. Home ownership gave you instant credibility to a lender who could quickly pull up your payment history and deduce from past payment schedules that, yes, ... Views: 988
“Women fake orgasms and men fake finances.” -- Suze Orman, Financial Consultant, California Governor’s Women’s Conference, 2008.
Do you use your career, your job, the work you do as a measuring tool to size up your worth? Though it’s a mistake to equate one’s worth solely with money, many of ... Views: 678
A discussion about finances in a book celebrating a woman’s worth may appear to put so much emphasis on monetary solvency that one could argue in favor of the money-equals-worth equation. But I sincerely hope you don’t reach this conclusion, because that is not the intent. Money doesn’t buy you ... Views: 521
Did you know that you can improve your credit score with the wise use of credit cards? Credit cards can help you build or restore your credit rating. As long as you pay your bills on time and use only a portion of your credit limit you are working hard at improving your credit scores. Using less ... Views: 900
No individual government leader can pull our country, or any other country, out of the recession the world is in. It will take guidance, planning, and cooperation amongst a broad coalition of people and that includes us.
Remember that old joke, "a recession is when your neighbor losses their ... Views: 1040
Proverbs 21:20
The wise man saves for the future but the foolish man spends whatever he gets.
Why You Need an Emergency Fund
All of us need emergency funds for unforeseen emergencies such as losing your job. In other words, a sudden unforeseen crisis.
An emergency fund is cash savings that ... Views: 1004
For all that I go on about how money is just energy, has no meaning other than what we attach to it, and how there is no shortage of it, I still find myself feeling a lot of anger towards the guys on Wall Street who took an average of $12 million each in bonuses.
The fact that they took the ... Views: 2117
In some ways small business owners and entrepreneurs have been relegated to orphan status since the collapse of the economy in 2008. Despite their collective importance to our economic well being, policy makers did little or nothing to include them in the bailout. Even though their combined ... Views: 691
Do something that will brand your website as your site must have an identity that people are aware of. For example choose titles and create logos that will remind users of what your website is about.
DO pay attention to both style and content. Having good quality content on your site is ... Views: 464
Getting yourself into something is one of the easiest things to do in the world, but getting back out of it is a completely different story. Take this for example: it’s a piece of cake to take a dive into a pool of sharks (if you’re really that stupid), but getting back out is next to ... Views: 471
Are you in need of debt relief? As a matter of fact, if you carry any kind of unsecured consumer credit debt, the odds are good that a bit of debt relief would be welcome right about now. Of course, not all avenues leading to debt relief are appropriate for and every debtor, and knowing how to ... Views: 722
The current economic situation has been described as one of the worst recessions in recent history, and as a possible depression not seen since the Great Depression. Most economists agree that the current economic crisis has probably not hit the bottom, and that the road to recovery will be long ... Views: 436
“The same mind that created the problem cannot solve the problem."- Albert Einstein
It is my hope that you enjoyed your Mother’s Day this past weekend. And as much as you didn’t like to be corrected when you were growing up, good ol’ Mom was almost always right in teaching us the basics. ... Views: 1175
Most of us use credit cards extensively month to month and almost as many people don’t use them to their full advantage and end up paying way more interest than they should. Here are some credit card tips on how to keep on top of your credit cards and get the benefits you’re entitled to.
Credit ... Views: 693
A credit report works similar to the way a report card for a high school student would. In an educational institution, the grades written on that card would reflect the academic performance of the receiver. If the “numbers” or grades stated were impressive, the kid would be rewarded either by an ... Views: 495
I recently had an experience that reminded me how important it is to keep track of your spending week by week, day by day. I admittedly go through good, and not quite as good phases in relation to how thorough I am checking all my receipts and keeping track of our ins & outs. So I thought ... Views: 654
I didn’t realize that it would be so difficult saying “good-bye”. For years I’ve been “Keeping up with the Jones” without realizing it. I thought my old “hippy”, back-to-nature values were still in tact. I didn’t realize that I depended upon the Jones’ as mileposts – people to look up to and ... Views: 769
Recent economic troubles throughout the world have left many people struggling with bad credit reports and low credit scores. Recent problems in all of the financial sectors have changed many of the rules of the past and some of the old rules are now obsolete. This has left many people not ... Views: 765
Preface
To encourage people to better understand and appreciate the principles of Christian financial stewardship as set forth in the article and sections below.
Article I
We the Christian people hereby agree to the following:
Section 1. We recognize that God is the creator and owner of ... Views: 944