Enjoy Photos and Paintings On Artbazz, Art Education

Enjoy a variety of topics on art education from folks who love photography and painting. The following topics will be explored on a regular basis: artbazz paintings, Artbazz photography, artistic expressions, famous artist, how to learn art, how to promote your art, what art teaches children and adults and much more. Artbazz is for anyone who has a deep-seated interest in Art and art education. Enjoy, Artbazz

5 Low-Cost Ways to Promote Your Book Online

Congratulations on your book publishing contract. There are thousands of unpublished writers looking to get signed so you have a great accomplishment. Take a few moments to enjoy the victory before the real work begins, MARKETING YOUR BOOK.

Publishing houses are expecting more of their writers in these times of budget cuts which mean fewer resources and personnel to promote...READ MORE...

In Memory of Trayvon Martin and All of the Trayvon Martins Who Went Before Him

In memory of Trayvon Martin and those who have suffered a similiar fate.

To Trayvon Martins perpetrator... The habit of being uniformly considerate toward others will bring increased happiness to you. As you put into practice the qualities of patience, punctuality, sincerity and solicitude, you will have a better opinion of the world about you. G. Kleiser
Passed on to you in Love, From Msfinancialsavvy.com

College Financial Aide and FaFSA Applications

It’s that time of year for college acceptance letters, and financial aide awards. Remember, cost is the most important issue when low-income and middle-income families are considering college. You can start your financial aide application right at FAFSA, also known as The Federal Financial Aide Website, www.fafsa.ed.gov.

Also, don't forget that no matter how poor you are, financial aide usually only covers 75-80% of your overall college cost. And, with many colleges financial aide does not cover registration fees, lab fees, or books. You must raise this money yourself with summer jobs, or from family members.

A 100% guaranteed scholarship is different, and coverage is different with different colleges. Find what scholarships are available with your qualifications by 1. Asking your high school guidance counselor, 2. Asking the financial aide offices of all colleges you are interested in, 3. Doing an online search of scholarship websites, 4. Search scholarship reference books at your local library.www.MsFinancialsavvy.com

Indiana's "Right To Work" For Less Law

Indiana's "Right to Work" for less law passed quickly and secretly. The right to work law strips unions of many of its powers. This is the second time in some decades that law has been passed in Indiana, it was repealed the first time it passed. Now, it has passed again.

"The Right to Work" law stips unions of their power, giving employees less bargaining power, less pay, less health insurance and lower pensions.

In "Right to Work" states the pay is $5000 per year less, 21% of the people have less health insurance and far fewer employees have pensions or the pensions are significantly lowered.

FYI: Unemployment is at an all time low of 8.3% today, the stock market has been up 5 consecutive weeks, and is at an all-time high.

MsFinancialSavvy.com

More "Right-to-Work" for less information:
Right To Work Law Is Wrong
http://righttoworkiswrong.com/,
Wikipedia
http://en.wikipedia.org/wiki/Right-to-work_law,
Union Workers Occupy The Super Bowl
http://www.huffingtonpost.com/2012/02/03/occupy-super-bowl_n_1252775.html

U.S. Tax Dollars Shifting From Education For Our Children, to Profits for Private Prisons

This is sad but true. It appears that young people are being moved closer and closer to life in prison, rather than a great education. U.S. tax dollars are constantly being shifted from investments in quality public education, to investments in for-profit prisons.

The United States makes up 5% of the world population, but 25% of the prison population. There is a tendency to over charge for misdemeanors to populate the prisons. This is affecting all types of people from all types of backgrounds except the rich.

The private prisons lobby is massive. There is a quiet prison building boom in small towns across the United States. The motto is, “you build them, and we can fine ‘em, the prisoners that is”. It cost about $10,000 a year to keep a child in high school, but it cost about $30,000 to keep a child in an adult prison.

African American males make up only 6% of the U.S. population, but 30% of the prison population. Even after a simple misdemeanor many young men cannot find employers who will hire them.

In 1985 California had 12 prisons, now they have about 40 prisons.

In 1995 the U.S. prison population reflected the U.S. population.

But, with the increase of the prisons, people with money pay for lawyer’s who put them in drug treatment programs instead of prison.

In the state of California, 60% of the prison population is non-violent drug offenders.

Lately several governors have shifted millions of dollars out of the local school systems, and into other systems. It has been proven that the best way to get gainful employment is a high school diploma, and then college. High school diplomas are difficult for school children in poor areas, with little or no money.

The private prison lobby has shifter $74 billion tax dollars into private prisons, with a profit of $3 billion for the private prison system in the United States last year alone.

Educate yourself about finances, quality public schools, and government funds. The U.S. is quietly becoming the prison country, rather than the most educated country, as in the past. Msfinancialsavvy.com

Remarkable New Proven Method to Save Money; Substantial Money

It does not matter if you are rich or poor, young or old, fat or skinny, light or dark, beautiful or ugly.

This is a proven method for saving money all year long.

This method of saving money has been used millions of times, and each time it has worked.

The proven method, to save a substantial amount of money; Don’t Shop.

That's it. It is that simple, don't shop for anything you don't need. Stay away from stores and websites that encourage window shopping, pretend shopping, or needless shopping.

Don't shop for anything you don't need.

This method works, you will save money all year long, and at the end of the year, your savings will be substantial, when compared to the previous year expenditures. Msfinancialsavvy

Wealth Distribution-The 99% versus the 1% Wealthiest in the United States

Ed Wolff, a professor of economics at New York University, specializes in wealth distribution. According to him the breakdown of wealth distribution in America is as follows:

The top 1% of the population has an average income of $1.2 million, with $350,000 being the threshold to join the top level. The 1% limit in terms of net worth is $9 million, according to the professor.

According to his research, the top 1% held 34.6% of the total net worth in the country in 2007. The next 19% held 50.5%.

The bottom 80% of Americans were left with just 15% of the wealth. That is down from 18.7% in 1983.

When the home is removed as a measure of net worth, the picture is measurably worse, the portion of wealth held by the top 1% is 42.7%, while the bottom 80% had 7%.

Fast forward to the year 2011, because of privatization and deregulation of government agencies, and protections for the American voter, 1% of the population holds more wealth than 99% of the population.

The middle class is disappearing right before our eyes, the sooner all Americans realize this, the faster we can react to change the trajectory.

Privatization and deregulation have attributed to a large part of the wealth gap. The more government agencies are privatized, the more taxpayers dollars are spent on products and services at double to quadruple the cost.

The government does not need to produce profits for shareholders, the private corporations need to produce profits, and that contributes to abuse of taxpayers dollars.

Higher prices are paid for goods and services and lower wages are paid to employees. When employees cannot produce the highest profits for the corporation, then the employees are all fired, and the jobs are sent overseas. This happens with government contractor jobs and deregulated industries.

The middle class is disappearing, largely because of privatization and deregulation.

President Obama wants to save the middle class. Msfinancialsavvy

The Ponzi Excuse; Lawmakers Reason To Privatize Social Security

Some lawmakers would have you believe that social security is a massive debt program in terrible trouble. A Ponzi scheme is how many have characterized it.

A Ponzi scheme is when a person runs a fake investment company that uses new investor funds to pay old investors, instead of actual investment returns. Most or none of the money is ever invested in anything. Because of this, Ponzi schemes collapse in a short period of time. Read More...

Know Predatory Loan Terms to Protect Your Home, Car, and Paycheck

Predatory mortgage loans are loans that come with high interest rates, and have many hidden fees, charges, and future interest rate increases. They come with adjustable rates that have extremely high caps, or worse yet, balloon payments at the end of the term equal to the original loan, with interest only loans. The predatory adjustable rate loan comes with a low teaser rate to start with, and then skyrockets later. Low information buyers often thought the low teaser rate was at or near the final rate, and were mortified when they received their new adjustable rate payment schedule after a period of time. Read More...

Wall Street Bankers Not Jailed, But Forced To Pay Investors

Occupy wall street protestors are protesting many things, among them are the bailout of the wall street banks by the government after causing the housing collapse in the United States and serving no jail time for it.
According to Wikipedia, The Troubled Asset Relief Program (TARP) is a program of the United States government to purchase assets and equity from financial institutions to strengthen its financial sector that was signed into law by U.S. President George W. Bush, on October 3, 2008. It was a component of the government's measures in 2008 to address the subprime mortgage crises. Read More...
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