Creating a Sustainable Budget in a Time of Financial Crises

The common sense approach to avoiding an economic
crisis during an economic downturn is to budget
when times are good as well as when times are bad.
Unfortunately, many people don't think about budgets
until finances are limited.
READ THE ENTIRE ARTICLE HERE...

Sweet Potato Pie or Pumpkin Pie Recipe

This recipe is for either sweet potato or pumpkin pie.
You can use regular sugar or splenda 0 calorie sugar
for the calorie conscious crowd. Either way it taste
great.
Get The Full Pumpkin Pie or Sweet Potato Pie Here...

Making Sense Of The Volatile Financial Markets

A Commentary

In recent days we had a market crash, saw the federal
government infuse a promise of $700 billion dollars in
the financial markets and then days later experienced
the largest one day stock market gain in history. Then
the market oscillated way up and way down for days after.
Any bad news about the economy seems to have sent the
financial markets in a tailspin. Any talk from a financial
specialist or the President also seems to send the markets
into a tailspin.
READ MORE...

Permanent Portfolio Family of FDS Mutual Fund A Conservative Pick

Permanent Portfolio Family of FDS Mutual Fund

Trading Symbol: PRPFX

Permanent Portfolio is a conservative allocation fund with
foreign exposure. The one year performance is still in the
positive territory and the year to date downturn is mild
compared to many mutual funds in our current volatile market.
READ MORE...

Vote For Change --> Vote For Barack Obama For President

Barack Obamas Challenge To Change The United States Economy

Barack Obama is a smart man. He needs to change the economy
of the United States or we will no longer be the most powerful
nation in the world. He is a really smart man.

With Barack Obama his financial plan is expensive, but it is a
couple trillion dollars less than McCains plan and it is more
extensive for the middle class.

Currently, the Bush administration is spending 10 billion dollars
a month in Iraq, that is more than enough to implement and take
care of Obamas financial plan for the United States. The Bush
economic plan has destroyed America.

Obama raised almost a billion dollars for his campaign, that
is evidence that he knows finance, he knows how to pay his
campaign without the governments (welfare) pac money for
campaigns. This is another reason I am confident that Senator
Obama has the brain to raise money and manage money for the
people of the United States. For the last eight years regular
people of the United States have been left out of the equation
of prosperity as far as the Bush administration is concerned.

To date 5 prominent republicans have endorsed Barack Obama for
president.

VOTE FOR BARACK OBAMA AND JOE BIDEN ON NOVEMBER 4TH. FOR PRESIDENT
AND VICE PRESIDENT OF THE UNITED STATES.

Msfinancialsavvy

Wachovia Bank, Mad Money Show, Jim Kramer and His Stock
Recommendations on CNBC Finance

I wrote an article about Jim Kramer sometime ago. I warned
my readers to be aware of guys who shout and scream,
sensationalizing stock selections over television. On Jim
Kramers Mad Money show on cnbc he shouts about a stock, he
screams about a stock, and then he tells you if he thinks
it is a good pick. At that point, whether it is a good stock
pick or not becomes beside the point. After all of his shouting
and screaming your mind tells you it must be a great stock,
so you run to your online stock buying company, and before
you know it, you have purchased the stock.
READ MORE HERE...

Mutual Funds Mostly Effected By Lehman Brothers, Merrill Lynch and AIG

When I heard some of the largest banks and investment banks in
the United States were failing and required some type of bailout
by the government, I felt that was cause for concern with our
mutual funds. Therefore, I looked up the mutual funds that had
the largest holdings of the most recent large banks failures.
READ THE MUTUAL FUNDS HERE...

The Sky Is Falling On The American Financial Sector

Who would have thought that something as innocent as trying
to deceive the American people into thinking that home ownership
was increased by their administration would have caused such a
horrendous downfall of the American financial sector. One minute
the politicians are telling us, vote for me, I will lower your
taxes and increase home ownership. The next minute they are
taking billions of dollars of tax payers money to bailout
failing, once wealthy and powerful, financial institutions.
READ MORE HERE...

How Will A Barack Obama Change In The Government; Change Home Foreclosure Rates

Barack Obama plans to protect homeownership and crackdown
on mortgage fraud. Under our current federal government
administration home foreclosures have been the largest
since the great depression. If the administration changes
from Republican to Democrat what changes would they make
so this does not happen again.

Obama will crack down on fraudulent brokers and lenders.
He will also make sure homebuyers have honest and complete
information about their mortgage options, and he will give
a tax credit to all middle-class homeowners.
Read More...

4 Reasons You Should Use Herbs And Spices In Your Cooking

Some cooks can make every single dish he or she cooks taste
amazing with herbs and spices. Others do not understand the
importance of herbs and spices. Here are a few quick tips for
cooking with herbs and spices.
Read More...

Presidential Accounting and Economics That Could Effect The Future of The United States

There are two Presidential candidates running for office. Lately we have heard a lot about how great a vice presidential candidate Palin is even though we have heard nothing of her record, with an exception of her lavish pork barrel spending on Wasilia and the state of Alaska. We have heard about Joseph Bidens long record, but he has not been followed by the press the way his vice presidential opponent is. We also know that Senator McCain voted 90% of the time with President Bush. We are all very clear what his policies are. But, until now, not much has been said about things Senator Obama has done in the Illinois state senate, so here is a short summary of his successes,and how those would transfer to the United States government, should he be president.
Read More Now...

Vice Presidential Pick Palin Is More Pain-in the Whitehouse

John McCain has run on a ticket of less spending and more
governing for the people. That is strange since he voted
90% of the time with George Bush on U.S. policy, and Bush
is leaving the U.S. with a trillion dollar deficit, decaying
urban schools, a huge American crime rate, a war out of
control with costs, private contracts to friends, and a
whole list of more of the same.

Vice presidential pick, more pain-in the Whitehouse-Palin,
is one of the biggest pork barrel spenders in the history
of Alaska. She hired lobbyist to get $27 million dollars for
her tiny little mayor town (the size of a small neighborhood),
and went crazy with spending. Then aligned herself with the
now indicted Senator Stevens from Alaska and got more pork
barrel spending for Alaska. She has only been governor of
Alaska for 18 months, and during much of that time she was
either pregnant or on pregnancy leave. More pain-in the
Whitehouse Palin is also being investigated for an illegal
firing of an Alaska employee. See Paul Kane, The Washington
Post for Palins pork barrel projects.

Palin like McCain is more of the same. Now we know why
Hillary Clinton said, No way, No more, No McCain.

Palin has a good chance of becoming president considering
McCain’s age and previous health record. If this happens
we are in deep trouble ladies, Palin doesn't even have a
prestigious college degree, and, no law degree from a
prestigious college, such as Barack Obama. The fact that
he made Harvard Law Review, by itself tells you what a
genius he is. He was a civil rights lawyer--means he is
for the people, not big business, he was a constitutional
law professor---unlike the current administration--he
understands the constitution of the United States, he has
Washington and executive experience, as a United States
Senator for 4 years. He knows executive management. Palins
town had only 50 employees, Senator Obama’s campaign has
2500 employees, Palins town budget was $12 million dollars
a year, Senator Barack Obama’s campaign budget is $12 million
dollars per month. The state of Alaska only has a measly
600,000 people, coupled with the fact that Palin supposedly
was pregnant or on pregnancy leave most of the time means
that her experience pales in comparison to Senator Obama.
I say supposedly pregnant, is because many people suspect
that the 4-month baby of Palin, really belongs to her
daughter. They cannot prove she gave birth.

Under Senator Obama every American will pay fewer taxes
than under McCain. See the taxpolicycenter.org/index.cfm,
for a breakdown of the; less taxes under Senator Obama.

Let's Get This Country Financial Savvy! We need a genius
who can turn this country around, not more of the same.
Senator Barack Obama is a genius with a prestigious American
education and the experience needed to become president
of the United States.
Visit--->
Msfinancialsavvy.com

The Business Of Writing Novels

Barnes and Nobles Bookstores display hundreds of thousands of
new books every year. The numbers of novels are probably the
largest type of book published. If books don't sell in major
bookstores, they will be taken them off the shelf in about four
months to make room for the next group of newly published novels. Read More...

Business Interiors Serve A Purpose


Interiors are the single most important first impression your
clients will get about your business. The others are the phone
personality of those who answer, and the "first impression"
personality of the first person they meet when they enter
the door. Read More...

Small Business Startup Tips

You can obtain a small business by taking it over from a family
member or purchasing an existing business, or by creating a first
time startup business. Read More...

Women Are Not Saving Enough Money For Retirement

Women are not saving enough because of 5 major reasons. In
my opinion the main reason is too much love. The other
reasons being:

1. Love for their husband
2. Love for their kids
3. Love of their parents
4. Love for their home
5. Love for their sanity (which is often threatened by overwork)

Don't get me wrong, there is nothing wrong with love, but
it can make you poor if it is not put in perspective.

Most women get married at some time in their lives, many
have kids, and now with modern medicine, many elderly people
are living long lives. What does this have to do with women,
love and poverty. Women are taught to be caregivers early on.
Women are taught to clean up the house, cook, and babysit
much more than their brothers. This could be the reason,
but most cultural issues are complex, so lets just say this
is one of the reasons. But, another big reason is that women
are still the ones to get pregnant and have responsibility
for the home and children.


Because of the caregiver background women are raised with in
conjunction with their responsibility to children, housekeeping
and cleaning, women are more likely to take extended time off
work. Some women never work at all. If there is a divorce, which
about 70% of Americans divorce or separate women are usually
left with no income, little income from a divorce settlement,
or little income from an entry level job. Therefore, in the
struggle to just exist, women don't save enough money. The
moral of the story is that girls should be taught to go to
school, and women should do a significant amount of earned
income work before they stay home to take care of the kids,
home, or elderly parents. If they can't do the work before
they better do it afterwards, a lot of work, so they can save
money for retirement.

Read More
About Saving Money Here
Lois Center-Shabazz
Founder of Msfinancialsavvy.com

Future Licensing For New Mortgage Lenders and Mortgage Brokers

For an industry that handles so much money and responsibility,
there has been little oversight. To become a mortgage broker or
work for a mortgage lender, all that was required was to get
hired and go through a quick training. It is against the law

Go here...

People Who Can't Benefit From The Government Foreclosure Rescue

When many homes are lost to foreclosure in a neighborhood
the home values of all the similar homes decrease. The
decrease in home values are a result of overpriced homes staying
on the market too long or are lost to foreclosure. Anxious...

Read More Here...

What do foreclosures, groceries and gas have in common?

Foreclosures in America are up, way up this month with
Las Vegas leading the pack. Others in the fast pack of
foreclosures are Miami, Los Angeles, Phoenix,
San Diego, and San Francisco. Those were also the cities
that had the highest price increases during the boom. Now,
the prices in those areas have gone down from -28% to -22.9%
this year. Home prices dropped 15.8% from a year ago.

Groceries are way up, due to increased gas prices. Try
coupons and sales on food to save money.

Gas is slightly down in some areas, but it is still high,
far in excess of what the average American can afford.

Visit Msfinancialsavvy.com

Start Tax Savings Ideas Now

A collective sigh of relief can be heard around the nation after the
April 15 deadline because many people only think about taxes during
tax season. Smart savers and investors realize that managing their tax
burden is a year long commitment that can save them a lot of headaches

Read More...

Your Home As Your Retirement Vehicle And Foreclosure Protection

This is my opinion based on observations. Your home can be a
wonderful retirement vehicle. Many of us will pay off our
home in 30 years, or even 20 years. For those of us who will not
pay off our home we can have the balance paid down and in 15 to

Read More...

From Surburban Neighborhood to Trailer Park by Foreclosure

A friend of mine owns a landscaping and hauling business in Northern
California. Lately he has been doing a lot of hauling and cleanup.
He was called to a rather nice community in Northern California to
cleanup multiple homes that are in foreclosure. He noticed a long
line of campers up and down the street and asked what was going on.

Read The Entire Article

Vote Barack Obama For Positive Change In The United States
---------------------------------------------------------------
Foreclosure Rates Are Reflected In Real Estate Values of Homes Around The Country

Statistics taken from the Conventional Mortgage Home Price Index and published by Freddie Mac and Fannie Mae display the general increase in home values during the recent U.S. real estate boom, and the decreases during the current real estate bust. The statistics compare one-unit detached, single-family homes in each regional division. Foreclosure rates are reflected in the real estate values of these homes in each region of the United States.

Read The Entire Article Here

Countrywide Financial and The Mortgage Debacle--A Commentary

Thousands have lost their home from the mortgage debacle of the past few years.
Mortgage companies, mortgage brokers, mortgage lenders, attorneys, and many other
players in the mortgage field gave out misleading and downright junk mortgages.
Because of this U.S. home foreclosures have reached an all time high...

Read More...

Are Our Gas Bills Tied To The New American Oil Contracts In Iraq




On the Bill Moyers show, On or about June 28, 2008 he summarized a story about
new no-bid American oil contract going to Iraq. Two organizations, one conservative and one liberal sued, and found that government officials were having secret meetings. They also found that at the secret meetings they discussed giving no bid contacts to four major American oil companies to operate in Iraq. This, Bill Moyers says, is proof that the Iraq war is about the aquisition of their oil and not terrorism.

The picture above is the beautiful Saint Laurence River in Quebec City, I took this
picture last year when I visited the city. It is a gorgeous place to visit.

Check your local listing on PBS to see the Bill Moyers show.
Msfinancialsavvy

-----------------------------------

Bill Moyers & Michael Winship: It Was Oil, All Along
Below is an piece by Bill Moyers and JOURNAL writer Michael Winship. We welcome your comments below.


It Was Oil, All Along
By Bill Moyers & Michael Winship

Oh, no, they told us, Iraq isn't a war about oil. That's cynical and simplistic, they said. It's about terror and al Qaeda and toppling a dictator and spreading democracy and protecting ourselves from weapons of mass destruction. But one by one, these concocted rationales went up in smoke, fire, and ashes. And now the bottom turns out to be....the bottom line. It is about oil.


Alan Greenspan said so last fall. The former chairman of the Federal Reserve, safely out of office, confessed in his memoir, “…Everyone knows: the Iraq war is largely about oil.” He elaborated in an interview with the Washington Post's Bob Woodward, "If Saddam Hussein had been head of Iraq and there was no oil under those sands, our response to him would not have been as strong as it was in the first gulf war."

Remember, also, that soon after the invasion, Donald Rumsfeld’s deputy, Paul Wolfowitz, told the press that war was our only strategic choice. “…We had virtually no economic options with Iraq,” he explained, “because the country floats on a sea of oil.”

Shades of Daniel Plainview, the monstrous petroleum tycoon in the movie THERE WILL BE BLOOD. Half-mad, he exclaims, "There's a whole ocean of oil under our feet!" then adds, "No one can get at it except for me!"
No wonder American troops only guarded the Ministries of Oil and the Interior in Baghdad, even as looters pillaged museums of their priceless antiquities. They were making sure no one could get at the oil except... guess who?

Here’s a recent headline in the NEW YORK TIMES: "Deals with Iraq Are Set to Bring Oil Giants Back." Read on: "Four western companies are in the final stages of negotiations this month on contracts that will return them to Iraq, 36 years after losing their oil concession to nationalization as Saddam Hussein rose to power."

There you have it. After a long exile, Exxon Mobil, Shell, Total and BP are back in Iraq. And on the wings of no-bid contracts – that's right, sweetheart deals like those given Halliburton, KBR, Blackwater. The kind of deals you get only if you have friends in high places. And these war profiteers have friends in very high places.

Let’s go back a few years to the 1990’s, when private citizen Dick Cheney was running Halliburton, the big energy supplier. That’s when he told the oil industry that, “By 2010 we will need on the order of an additional fifty million barrels a day. So where is the oil going to come from? While many regions of the world offer great oil opportunities, the Middle East, with two-thirds of the world's oil and the lowest cost, is still where the prize ultimately lies.”

Fast forward to Cheney’s first heady days in the White House. The oil industry and other energy conglomerates have been headed backdoor keys to the White House, and their CEO’s and lobbyists were trooping in and out for meetings with their old opal, now Vice President Cheney. The meetings are secret, conducted under tight security, but as we reported five years ago, among the documents that turned up from some of those meetings were maps of oil fields in Iraq – and a list of companies who wanted access to them. The conservative group Judicial Watch and the Sierra Club filed suit to try to find out who attended the meetings and what was discussed, but the White House fought all the way to the Supreme Court to keep the press and public from learning the whole truth.

Think about it. These secret meetings took place six months before 9/11, two years before Bush and Cheney invaded Iraq. We still don’t know what they were about. What we know is that this is the oil industry that’s enjoying swollen profits these days. It would be laughable if it weren’t so painful to remember that their erstwhile cheerleader for invading Iraq – the press mogul Rupert Murdoch – once said that a successful war there would bring us $20 a barrel of oil. The last time we looked, it was more than $140 a barrel. Where are you, Rupert, when the facts need checking and the predictions are revisited?

At a congressional hearing this week, James Hansen, the NASA climate scientist who exactly twenty years ago alerted Congress and the world to the dangers of global warming, compared the chief executives of Big Oil to the tobacco moguls who denied that nicotine is addictive or that there's a link between smoking and cancer. Hansen,
who the administration has tried again and again to silence, said these barons of black gold should be tried for committing crimes against humanity and nature in opposing efforts to deal with global warming.

Perhaps those sweetheart deals in Iraq should be added to his proposed indictments. They have been purchased at a very high price. Four thousand American soldiers dead, tens of thousands permanently wounded for life, hundreds of thousands of dead and crippled Iraqis plus five million displaced, and a cost that will mount into trillions of dollars. The political analyst Kevin Phillips says America has become little more than an "energy protection force," doing anything to gain access to expensive fuel without regard to the lives of others or the earth itself. One thinks again of Daniel Plainview in THERE WILL BE BLOOD. His lust for oil came at the price of his son and his soul.

Bill Moyers is managing editor and Michael Winship is senior writer of BILL MOYERS JOURNAL.

Bill Moyers Journal

Msfinancialsavvy.com

People Finally Swept Up In Mortgage Fraud Arrests
by Msfinancialsavvy.com

In reading about all of the Mortgage Fraud reports I couldn't figure out why
the gangs, mortgage brokers, mortgage lenders, mortgage investors, lawyers and
the like had not been arrested. We saw some of the largest mortgage fraud in
the history of the United States and all that happened is that a few million
innocent homeowners lost their homes and many big cities are now booming with
former homeowners as homeless.

The following is a quote taken from associated press writers
LARA JAKES JORDAN and ALAN ZIBEL, in conjunction with the FBI reports:

Law enforcement officials said their stepped-up focus on mortgage cases aims to combat problems that have grown out of the risky lending practices prevalent until the mortgage market collapse started last year. Officials have identified 10 "mortgage fraud hotspots" nationwide in California, Colorado, Texas, Minnesota, Michigan, Illinois, Ohio, New York, Georgia and Florida.

To people who have committed fraud or are contemplating doing so, FBI Director Robert Mueller said: "We will find you, you will be investigated and you will be prosecuted."

Those named in the cases include housing developers, mortgage lenders and brokers, lawyers, real estate agents and appraisers, said Sharon Ormsby, section chief in charge of financial crimes for the FBI.

In some cases, gang, drug and organized crime investigations have resulted in mortgage fraud cases because such schemes enable criminals to launder money, Ormsby said.

Mortgage foreclosure rescue scams, which promise to help struggling homeowners stave off foreclosure and keep their homes, also have become a major problem, officials said. Typically, unsuspecting owners sign over their homes and then find they are victims of fraud.

Read the entire article

Read Msfinancialsavvy, to avoid such scams

How To Make A Vacation A Staycation

Many of you have lovely homes you rarely get to visit. What I mean
is that, you get up early, go to work, come home, and spend most of your
time getting ready to go to work all over again. On the weekends...

The above picture is a picture of the sun setting on the rustically beautiful
back bay of hampton roads virginia. The back bay includes a secluded beach and
bike trails, along with a fishing area in the bay.

Find Out More...

Ed McMahon and His New Found Wealth

Ed McMahon may not have to move out of his Los Angeles
Mansion after all. Rich friends help rich friends, and this
has proven to be true with Ed McMahon. Reportedly, Jay Leno
will be bailing Ed McMahon out of his foreclosure crises.

Now, if we could find a consortium of rich people to help some of
the poor people being put out in the streets with their kids,
this world would be a better place for poor people too.

Get Savvy With Your Money and Your Life

Update On Ed McMahon And His Multi-Million Dollar Foreclosure Home

I saw Ed McMahon and his beautiful young wife on Larry King. He was
to explain why he is $644,000 behind on the note of his $5 million
dollar home at the age of 85. It was basically, well...stuff happens.

He explained with his two divorces, his accident, and well...he forgot
to mention his third beautiful young wife who had to have a $5 million
dollar home as her first house, but that was about it.

Because of his accident he can't work at the age of 85. Wow! who works
at the age of 85 to support a multi-million dollar mortgage. Anyway,
my heart goes out to him, he has my thoughts and prayers. And, if
anything comes out of this let it be a savvy money lesson for all of
you senior gentlemen out there, that some things are not THAT important.
Save your money, live off of your retirement.

Learn More At Msfinancialsavvy's Retirement Investing

Young Women, Older Men, Financial Security and Ed McMahon

Ed McMahan has had a long and successful career as a pitchman
for Johnny Carson and then for the sweepstakes. With his career
came large payouts for his services. But, now his home is in
foreclosure. Then that begs the question; how could he be in
such horrible financial trouble at the age of 85?

Read More Of This Juicy Article...

Msfinancialsavvy

Renters Are The New Casualty Of The Foreclosure Crises

We saw many programs on television during the real estate boom,
about flipping houses. Flipping is buying, remodeling, and immediately
selling homes for profit. There were signs posted all over my community,
stating "we buy houses quick". There were real estate meetings

Read More At Msfinancialsavvy.com

Movie Stars Who Sell Their Babies

Times are tuff for all of us, but they seem to be the
toughest for movie stars. There is a huge baby boom amongst
them; whether married, never married, divorced or separated,
they are having babies. Lots and lots of babies. Then, after
they have the babies a peculiar thing happens. The public gets
to see the darling little tots, close up, in the face on national
publications. I'm told these publications pay handsomely for
photos of these movie star babies. So, that begs the question,
are the babies being conceived for money, especially when they
seem to have babies and get paid repeatedly? What do you think?

Read More At About Money Woes At...
MsfinancialSavvy

How To Stay Current With Your Money and Debt Survival News

Life is tuff. It's not tuff for some of us; it's tuff for all of us. So,
for those of you who spend a lot time boo-hoeing about your financial status,
you no longer have a reason. Join the crowd of well-wishers, and do something
about your situation.

The answer is simple; it is in Msfinancialsavvy's Advice.
Read more about it here

Msfinancialsavvy

How Senator Obama And Clinton Will Change The 2010 Tax Expiration

The Current United States Government Tax Cuts Will Expire In 2010

Under George Bush several tax cuts were passed. The only problem was that
the tax cuts were only temporary and are scheduled to expire in the year
2010. His administration knew that he would not be president after 2010,

Read More Now...

Vegetarian Lasagne

More and more Americans are choosing to skip the meat at meal time, therefore
I felt I should come up with vegetarian dishes from time to time.
This lasagna recipe is essentially the same as a previous lasagna recipe
at Msfinancialsavvy.com Cheap Recipes, except that the ground turkey is
replaced with one of two vegetarian mixes below.

Get The Recipe Here...

Buying A Foreclosed Home In 2008 May Or May Not Be A Bargain

In past years buying a foreclosed home assured you that 10 years down the
road you could cash out for a considerable profit. Now, with the current
foreclosure crises buyers are more critical of foreclosed homes and they
should be. The recent real estate boom took the price of homes into
the stratosphere. Now that the...
Read More Here...

Treasury Inflation Indexed Securities or Tips May Help During A Recession

Treasury Inflation Indexed Securities also known as TIPs, are a unique
asset class, dollar denominated, inflation protected, and backed by the
faith and credit of the United States.

TIPS are marketable securities whose principal is adjusted by changes
in the Consumer Price Index. With inflation or a rise in the index, the
principal increases. With a deflation or a drop in the index, the principal
decreases.

Read The Whole Article Here

This is scary. Its bad enough that we can't afford gas, are losing our
jobs to china, and they are foreclosing on folks home far in
excess of normal. But, now Oprah has decided to cancel her own
show, "The Big Give". Send emails to the oprah show from her website
and protest. Nothing Oprah should be cancelled. She should keep her show.


Meanwhile,

Pick up a copy of the book, Let's Get Financial Savvy! From Debt-Free to Investing With Ease
Get The Book Now

What To Do With All Those Fancy Herbs In The Grocery Store

I grow many of my own herbs, but you can easily purchase fresh herbs
in the grocery store now.

Consider these commonly used herbs available at most local grocers.

Anise-Works well in salads

Basil- Use with vegetables, salads, tomatoes, eggs, and beef.

Bay Leaf- Use in stews, casseroles, and sauces. Don't eat them,
remove before eating.
READ THE ENTIRE ARTICLE HERE....

Wild Caught Salmon Versus Farm Raised Salmon


Salmon is my favorite fish. I like the pink color, rich texture, and delicious light
taste. Salmon has omega 3 fat, which is all the rage now. Omega 3 is considered an
essential fat that most Americans don't get because of the depletion of the omega 3
fats in most other foods. It is also a quality protein chocked with lots of vitamins
and minerals. So, salmon is both delicious and healthy, the problem is which to choose, ...

Msfinancialsavvy.com
Read More Now...

Get A Job To Get A Business To Get A Better Job

Here we see the evidence, you can get a job and land your own business
with the expertise, and then land a good job from that expertise.Read
about Karen's experience.

How do you know when it's time for a change?

I had recently come to a dead end in my life. I had lived in Austin, Texas for 12 years. Now, despite its charm, Austin does have some drawbacks. To start with, it is a small town. The three main industries there are The State, the University of Texas, and a few high-tech manufacturing facilities that moved to Austin from Silicon Valley...

Karen Terry
MsFinancialSavvy's Business Choice Host

Read More About Job To Business And Back

A Conservative Allocation Of Top Mutual Funds

In light of the current foreclosure crises in the United States
I thought some of you would like to take a quick peak at a
conservative allocation of the top conservative mutual funds.

Recently a women contacted me to say she is horribly shocked
each and every time she reads or hears television reports about
the U.S. home foreclosure crises. Before the current crises she...

MsFinancialSavvy
Read More...
Conservative Mutual Funds

Government Home Foreclosure Rescue Plans Don't Go Far Enough

As most Americans know, America is experiencing its worse foreclosure
crises in history caused, in part, by adjustable rate subprime loans
and job losses. Now, the government is offering a couple of alternatives
to the constant flow of foreclosure homes onto the market. The problem is,
I don't think either plan will produce significant help for those in trouble.
I have outlined both plans below, the purpose of this article is to explain
the pitfalls in both. I call the first plan which was unveiled in September
2007 -- plan one, also known as FHA Secure, and the second plan, unveiled in
February 2008--plan two, also known as Project Lifeline. I am not sure when...

Read More Now...
Msfinancialsavvy.com

The U.S. Home Foreclosure Prognosis

When I search "have home foreclosures hit a bottom" I came up with 124,000
articles. Shocked by the shear number, I preceded to read the opinion on pages
of pages of search engine listings. There were folks who thought foreclosures
had hit bottom in 2005, we now know that is not true. Subsequently there are folks

Msfinancialsavvy.com
Read More Now..

I have been away from my blog for a while and I am sorry for that. I had pressing
issues to take care of this year, but now I am back. A lot has happened since I
last posted. Namely the reasons for war have changed continuously, and U.S. home
foreclosures have reached an all time record-breaking high in the United States.
These foreclosures seem to be due to a combination of bad home loans, some down
right fraudulent home loans and folks losing their jobs. Just about everything
seems to be made in China, India, Vietnam(once our arch enemy), or some other
poor country, hence the loss of jobs here.

There is one silver lining in all of this financial mayhem, company CEO's in
the United States are getting fired for bad production, bad business deals or
both, but they walk out the door with $100 million dollars, even though half
the company looses their jobs.

In this country we have increasingly poor public schools, inner city and suburban
gang violence, poor people getting imprisoned at a rate never before in history,
and middle class suburban shootings over issues as small as a single child support
payment.

A newspaper in a wealthy southern California city, San Diego just reported that
home foreclosures are up an astonishing 353%, more than 7000 in 2007 alone. As a
result the homeless population has exploded, many folks don't even have the
luxury of thinking about poor schools when their kids have nowhere to sleep.
Pray for the United States, their is still hope and their are still a lot of
good people who live here. We need new leadership and a new direction, hopefully
we will get it in our next president.

Read My Article On "Avoiding Home Foreclosure"