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 There are thousands of unpublished writers looking to get signed so you have a great accomplishment.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 This is the second time in some decades that law has been passed in Indiana, it was repealed the first time it passed.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...
Also visit, AttackWatch

President Obama's Job's Bill; The American Jobs Act

After two unfunded war's and a tax cut for the wealthy, as of 2008 our deficit ran up to 5 trillion dollars. In the 1980's America's top tax rate was 50%, under President Obama it is now 36% and jobs are in China and many other countries.

I think it is time to pass the American Jobs Act and get Americans back to work. Stop the political postering on the right and think about the bulk of the American people. The unemployment rate is in the area of 9%, at 6% unemployment America is considered economically healthy. The American Jobs Bill will head this country in the right direction and economist feel the unemployment rate will go down at least 1%, adding about 2 million jobs.

The tax rate will go up, but what good are low taxes if there are not enought employed people to pay them.

AttackWatch.com BarackObama.com Whitehouse.gov Msfinancialsavvy.com Americanjobsact.com

Gold Prices Are Up, The Price of Gold May Be In A Bubble

The first time I was introduced to the wild price
gyrations of gold was in 1980--the media attention
was massive. Based on reports at the time gold went
from $200 an ounce to $800 in a short period. That
was after years at the low. A few years later it fell
back to $300, and stayed there for many more years.

Now, on august 10, 2011, gold hit $1800 after a short
ride up from about $600 an ounce. Since President Obama
became President, the media has stoked fears in the
public by constantly airing internet, television, and
radio ads about the fear of having "this type" of..READ MORE

The United States Debt versus the Debt Ceiling and How
They Influence Our National Security

In the United States very few, almost no
Americans pay cash for anything. They borrow
more money than they can dream of; to buy a
house, a car, a college education, or
simply to go on vacation. Most Americans,
who make just $60,000 a year, buy homes that
cost as much as $250,000 or more, mostly with
a note of debt. That note is usually...
Full Article...

Pressure On President Obama to Raise The Debt Ceiling

Unlike all previous Presidents, President Obama has an
insane amount of pressure to negotiate for other options
with the Republicans to pass the debt ceiling vote.
Nearly every year for the past 20 years the debt ceiling
has been raised without a fuss.

This year is different, only because the President is
a smart African-American man who cares about his country,
there is an argument about the debt ceiling.

Sad, that a President is stopped from doing his job
solely because of his race. The taunting and lies about
one of the most qualified Presidents in history have
not stopped since he took office.

The debt ceiling should be raised, the debt ceiling must
be raised, and it must be raised quickly, regardless of
the motives of the hard line Republicans.

Msfinancialsavvy.com

5 Ways To Maintain Your Computer And Keep Repair
Bills At A Minimum

A previous article in this section gave you
information about computer maintenance, this
article gives more details.

1. Clear your internet options on a regular
basis--they clog your hard drive space.

Your computer saves cookies to make it faster
to open regularly used web pages. These
cookies are graphics and other files used to
display individual web pages. They are
convenient, but they also use valuable space
on your computer if they become to numerous.

Use this sequence to clear cookies, Go to:
Read More

Information brought to you by, Msfinancialsavvy.com Articles

Colonics For Health May Not Be A Necessary
Health Practice, This is Why

Many people are getting colonics for health.
But, the issue is, are colonics necessary, safe,
and healthy.

Colonics is a procedure where by a long tube
with a pump on it is inserted below, to remove
waste from your body, similar to an enema.

Colonic practitioners believe it is necessary
for good health, mainly to remove
impurities.
Read More At Msfinancialsavvy.com

Timeshares Are For Vacation Fun or a Financial Burden

I recently spoke at a financial seminar and had the most
bizarre questions ask of my about timeshares. So, hence
the article on timeshares at Msfinancialsavvy.com. Time-
shares can be fun, but I have been told by divorced
couples that they fight over who will take the timeshare
after their split. One woman at the seminar asked me
why they took her collections when she stopped paying
her bill--she clearly did not understand the high
pressure sales presentation. Most people are shocked
by the ongoing tax and maintenace cost.

Anyhow, learn before you buy, do your research,
,
start at msfinancialsavvy.com

Top 5 Things To Consider When Choosing A College or University


The top colleges and universities recommended by major publications;
most American students can't afford.

Several national magazines publish the top colleges and universities
in the U.S. yearly. All of the top colleges listed have one thing in
common, extreme high cost. Because the cost are so high, most
Americans cannot afford to attend these so-called "top colleges"
unless they acquire an uncontrollable school loan debt or a full 4
year scholarship. My number one consideration for choosing a top...
Read More Here...

The Rich Are Getting Richer And You Can To

Lately, in the news, we have seen articles showing that half
the rich people in the United States pay no taxes, and the
other half pay only a small portion. The middle class and
poor people are paying a greater portion of their income
in taxes. So, how do the middle class and poor remedy
this problem.

You have to first solve the problem of being middle or
low income. It is not easy, but it can be done. To do
this you must change your thinking and habits with
money, work, and planning.

I spell out this change in a few simple steps, in
the article,
Habits That Will Make You Rich,you can read it now.

Msfinancialsavvy.com

Important IRS Tax Information For Small Business

If you are a small business owner in the U.S., by now most of you have filed and paid your taxes, but some of you have not. Perhaps one reason is that you are confused about the information you need to properly question your tax preparer. If you have any questions about small business taxes there is a treasure trove of information you can obtain directly at...
Read All Of Small Business Tax Help Now

The Federal Governments Free Jobs Training Program

Before the current administration came into office jobs
started to leave the United States for China and other
places. That left a void in the types of jobs available
in the United States. Therefore, the current administration
started a federal job training program to benefit those...
Read More Here...

How To Find High Performing Mutual Funds
For A High Performance Portfolio

The stock market has been going up consistently for
the past few years, and is posed to continue on the
current positive course. Therefore, now may be the
time to research quality mutual funds. There are
literally hundreds of quality mutual funds to research,
the small list below will...
Read More Here...

Protecting Your Privacy On Facebook and Other
Social Networking Sites

You think privacy setting are automatically set in facebook and
other socialnetworking sites, think again. Most users don't know
that setting their profile to private is up to them. Because of
this most of the users in facebook do not have their profile set
to private. This allows marketing companies to access your
information as well as friends you don't know. Many people allow
friends to come into their network because they claim to be a friend
of a friend. These dishonest fake friends come into your facebook
page solely to gather information from your profile that will enable
them to send you spam email or gather information for identity theft.

Here are a few things the unsuspicious facebook users can do to
protect themselves:
Read More Here...

Ongoing Loan Modification Scams Hurting Homeowners

With a growing number of homeowners underwater with their mortgages, there are more and more scammers joining the foray. The number of complaints has increased exponentially, as foreclosures increase. Despite the crackdown on loan modification fraud, including hundreds of arrest, there is a constant stream of new scammers looking for their next victim.

Read More Now...
Ongoing Loan Modification Scams

Your Computer Basics--When Free Is Not Free

All over the internet, newspapers and television,
we see offers that promise a free trial period
for products. Some ask for a credit card when you
sign up for the offer and some do not--but bill
you later. Neither living up to the offer of a
"free trial". The paid period, which is usually
not clear, is added in after the free period is
over. The paid subscription...
Your Computer Basics--Read More Here

New Health Care Reform Myths Debunked

Here are several health care myths that have been
debunked by the government:

1. Health care reform will NOT use tax dollars to pay
for abortions. This is stated clearly in the reform
documents. The health insurance reform legislation
maintains the status quo of no federal funding for
abortions, except in cases of rape, incest
or when the life of the woman is endangered.

2. Health care reform will NOT lead to massive tax
increases and kill jobs. To the contrary, the new reform
will save tax dollars and help create jobs at the...
Read More Here...

10 Ways To Save Money In A Tough Economy


Many Americans complain they are having a tough
time paying bills because we are in a tough economy,
but for many of the complainers, their bill paying
was tough in a good economy. Why? They overspend
no matter how much money they make. If they under
spend when the economy is good, they will have money
left to save and then live off when the economy is
tough. Also, when the economy is tough, your good
habits will be rewarded with financial peace of mind,
transferring the good habits you learned from the
better economy to the poor economy. Since the U.S.
economic status fluctuates every 12-20 years, it is
best to keep a sound financial budget in good times and
bad.
Save Money Now, 10 Ways

Education Reform Signed As A Part Of Health Care Reform Bill

As a part of the health care reform bill President Barack
Obama signed a long over due education reform bill as a part
of the health reform package. College has become progressively
more expensive and less affordable for the middle class
in America. The education reform bill is absolutely essential.

The key points of the education reform bill is as follows:
Go Here For All Points...

Inadequate Infection Control Procedures Can Put Your
Life at Risk in a Surgery Center

Drug resistant MRSA infections are on the rise in the nation's
hospitals, and, as a retired dentist, I can tell you that infection
practices in dental offices have increased remarkably since the
discovery of the AIDS (HIV) virus. Now, despite all of the
infection control courses physicians, dentist and other health
care professionals are required to take, we find that surgery
centers all over the country are not using adequate infection
control procedures.

Because of the lack of infection control in two major surgery
centers in Las Vegas, Nevada, which caused a major hepatitis
outbreak, the federal government ordered a major...
Read More Here...

Austin: The Best City in Texas? Think Again!

Is Austin really the best city in Texas? Don't be so sure!

I just read an article on Monster.com (see the link at
the bottom) that rated the best cities right now for job
growth. Many of those cities are in Texas, and Austin is
ranked #1 on the list, as well as on many other similar
lists. The reasons cited are many, including a favorable...
Read The Whole Article

The Immediate Effects of Health Care Reform---One Year From Now

The Patient Protection and Affordable Care Act includes health
insurance market reforms that will bring immediate benefits
to millions of Americans, including those who currently have
coverage. The following benefits will be...
Read More...

First Time Homebuyers Tax Credit Filing Requirements

Legislative changes in November 2009 expanded and extended
the first time home buyers tax credit and also added
documentation requirements for claiming the credit. Due
to increased compliance checks by the IRS, failure to submit
documentation will slow down the issuance of any applicable
refund. The current deadline to purchase a home under this...
Read More...

Education Reform Signed As A Part Of Health Care Reform Bill

As a part of the health care reform bill President Barack
Obama signed a long over due education reform bill as a part
of the health reform package. College has become progressively
more expensive and less
affordable for the middle class...
Read More...

Knowing The ABC's of Health Insurance Can Save Your Life and Save Your Home

As a former member of the health care industry I
was amazed at how little patients knew about their
own health insurance. Some patients thought they
had great health insurance that paid for everything,
but didn’t, and some thought their health insurance
was like car insurance, if they used it, they would
be penalized. So, when patients came to my clinic I
tried to explain their health insurance benefits to
avoid confusion, but most clinics skip the explanations,
hence, it would benefit you to do your own research,
and ask lots of questions.
Read More Here...

Msfinancialsavvy

The Current Price of Gold At An All-Time High, Don't Get Cheated Out Of Yours

As with all investments, gold prices fluctuate from
year to year, and decade to decade. The price of Gold
is currently at an all time high, so it may be the time
to sell if you have a lot of jewelry odds and ends. Since
the price of gold fluctuates up and down from decade
to decade, it may not get this high again for another
20-30 years, after it starts to decline.
Read More Of This Article...

Msfinancialsavvy.com

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"

Get Rich Investing In The Stock Market For Your Grandchildren

It's slow and methodical, but you can get rich investing in the
stock market. You must do your homework, understand the stock
market, monitor your stocks or the companies they represent. That is
a tall order, some folks do it and it has shown proven results, others don’t and they sell before their stocks make money.

Find Out How--Go Here

MsFinancialSavvy's Taxes Host Tax Credits

For Home Improvements You can save money on your taxes this year by doing home improvementsthat entitle you to tax credits. Time is of the essence since we arealready close to the end of the year, but if you hurry you can stillcash in.

Go To Msfinancialsavvy Taxes

MsFinancialSavvy's Cheap Recipes Host

Salmon Croquettes Salmon croquettes are one of my all time favorite recipes at Msfinancialsavvy. My husband liked these a lot and taught me to make them after we married. Over the years I have tried different variations. They are delicious. You can use canned or fresh salmon. This recipes calls for canned salmon.

Salmon croquettes recipe
http://www.msfinancialsavvy.com/article.php?aId=247

Recent Stock Market Increases Are Increasing Mutual Fund Inflows

The housing market has come to a stand still. The boom seems to be over. The days of selling a home in one day, seems to be a distant memory. Now according to financial news reports the stock market has been on the rise and that means your mutual funds should be increasing in value. Check your mutual fund balances to verify this.

Read More Here...
http://www.msfinancialsavvy.com/article.php?aId=224

Katrina Survivors and Taxes

I have watched several documentaries on Kartrina and theexisting devastation of the New Orleans area. It seems themajor corporate entities such as the Superdome in New Orleansand the Gambling Casinos in Mississippi have been restoredquickly and are functioning.
The areas other than the corporate wealthy areas are stillblighted, full of piles of trash, and vacant. Insurers arefinding excuses for not paying to rebuild houses and the government keeps saying it plans to fund the rebuilding ofthe gulf coast homes, but have not.

If I am not mistaken, didn't all of those homeowners and mostof the apartment dwellers work and pay state and federal taxes? Doesn't that mean they deserve to have some of that tax money available to fix some of that devastation? Does this mean thatwhen there are natural disasters in other parts of the country people will NOT be treated as tax paying citizens of their own country--the United States, but instead like refugees with no rights?

Seeing all of those documentaries on the anniversary gave littlehope to the future of natural disaster plans in this country. A documentary by Discovery Times interviewed many of the professionalswho were present during and after the floods, who contradicted many of the negative media reports that were put on the air about Katrina victims. Were these false reports put on the air to brainwash us against the Katrina victims?

In my opinion all of this demonstrates that although we pay large amounts of state and federal taxes, the government may not be there for you if a natural disaster happens, therefore you MUST get all of your ducks in order now. Save money, keep a credit card with no balance, have an evacuation plan, have provisions, and leave when you are told. That was difficult for the poorest people who did not have money saved or credit cards, but they can tryby contacting family members out of town or finding an inexpensive hotel on higher ground outside town or asking their church for help.

Write your congressman and senator for more clear cut evacuation bills so everyone can be helped when a disaster strikes.

Msfinancialsavvy.com

Dear College Parents,

Your kids are off to college, but that does not mean they are off your radar screen. Please advise them on keeping a reasonable budget and avoiding as much debt as possible. Tell them that they will be offered college credit cards but they do not have to accept them. As a matter of fact, it is best NOT to accept them. Let them know that it is best to buy necessary items from money made as income, not as money given as a future debt payment. Also tell them, "yes, college is expensive, but we must put a cap on college spending. Live as tight as possible, borrow as little as possible.
Msfinancialsavvy

New Host Editors At Msfinancialsavvy With Show You How To Save On Medicine And Understand Religion...

Go here for medicine host...
http://www.msfinancialsavvy.com/subchannel.php?sId=76

Go here for religion host...
http://www.msfinancialsavvy.com/subchannel.php?sId=34

Health Related...Is coming
http://www.msfinancialsavvy.com/subchannel.php?sId=32

Msfinancialsavvt

The Where Abouts Of Key Lay Of Enron

I can still see the sad pictures of the hundreds of Enron employees weeping as they left the
Enron building for the last time, with empty retirement accounts in tow. They have been patiently waiting for the last Enron verdict on the most powerful culprit who steered the biggest stock scandal in history. Unfortunately that patience has proven to be in vain. It has been said that Ken Lay, the Chairman and CEO has passed away and with him much of the hope to regain the retirement money employees lost in the debacle.

Do you believe Key Lay is really dead? I for one am very suspicious. My suspicion was aroused when, 1. The coroner came on national television to convince everyone that, "Yes, it really happened, the poor guy has passed"(paraphrased). 2. When the announcement was made that the x-Enron employees may not see financial vindication.

First of all, how often does the coroner come on national tv to convince us that someone has died. I can't recall the last time. Second of all, his death should have nothing to do with the chances the employees should or should not be reimbursed for lost retirement money. This all indicates to me that Ken Lay is more likely sipping martini's on an isolated and luscious island in the middle of the pacific, than lying 6 feet under. What is your opinion?

Get savvy with your money----diversify your investments, especially your retirement account.

Msfinancialsavvy

Warren Buffet And His Generous Gift To Bill Gates Charity

Warren Buffet is leaving billions, almost $40 billion dollars to Bill and Melinda Gates charity. Do you think he did it out of the kindness of his heart or for tax reasons? I would tend to think it was mainly for tax reasons, after all the inheritance tax on $40 billion dollars must be outrageous, if so that would make the united states government the benefactor instead of charity, so... faced with the choice, I would give the money to charity.

When I see what the government in the united states does with large sums of money it makes me shiver. Warren Buffet is an honerable man and he still left all of his kids rich. I think he said they will still get about a billion dollars each, wow! Not bad for not lifting a finger.

This Money Savvy Women
Msfinancialsavvy.com

Warren Buffet And His Generous Gift To Bill Gates Charity

Warren Buffet is leaving billions, almost $40 billion dollars to Bill and Melinda Gates charity. Do you think he did it out of the kindness of his heart or for tax reasons? I would tend to think it was mainly for tax reasons, after all the inheritance tax on $40 billion dollars must be outrageous, if so that would make the united states government the benefactor instead of charity, so... faced with the choice, I would give the money to charity.

When I see what the government in the united states does with large sums of money it makes me shiver. Warren Buffet is an honerable man and he still left all of his kids rich. I think he said they will still get about a billion dollars each, wow! Not bad for not lifting a finger.

This Money Savvy Women
Msfinancialsavvy.com

U.S. Congress and Pay Raises

I forgot to mention in my last post that recently congress voted themselves a raise.
So, see it is easy for the rich to get richer when your in the right spot in the U.S.

Msfinancialsavvy

In The United States Minimum Wage Earners Are Getting Poorer

U.S. inflation is scheduled to increase in the future, it has always increased in the past, and is currently rising. Who cares, it mainly effects poor people who live off minimum wage. That is a sad commentary on a wealthy country such as the United States. Who can live off $5.15 an hour in the U.S. The senate just voted to NOT increase this pathetic minimum wage, so poor people will keep getting poorer, the trap they are in will be tougher to get out of. Pray for minimum wage earners in the U.S. that our government will someday have compassion.

Learn more about money and savings!
Msfinancialsavvy.com

Now You Can Get Pills For Your Gas Tank

Not really! What is really happening is that the state of Texas has just pulled the plug on
a multilevel marketing organization, commonly known as a pyrmid scam. They were selling
pills they claim to extend your gas milage. The state attorney generals office in Texas just
got a temporary injuction against them and they are freezing their assets. Many experts
testified that the so-called "gas pills" do nothing to extend your gas milage in your car.

Msfinancialsavvy.com

7 Year Old Children With Credit Cards

It's not enough that adults are filing for bankruptcy in record numbers, living on the edge financially, and stuck in debtors hell. Now we have adults trying to enlist their children as young as 7 years old to get credit cards. I would like to think it was a joke, but it was in print, black and white, on the internet. A women asking a financial writer if she could get her 7-year old child a credit card, so he could start to establish credit.

What a hoot! Everyone knows that kids under 18 can't sign legal documents. But, I was even more shocked with the answer the writer gave her. He explained to her that the child could not sign a legal document, what surprised me was that he seemed to think it was ok to start teaching a young child the bad habit of credit and debt at such a young age. I expected him to be irate, but he wasn't. He actually told her how she could include her child as a signer on the card. A seven year old, signing for credit??

Maybe it was a plant article from the debt industry, but I was sure sad when he didn't tell her that the child has plenty of time to get credit when he or she is of age and the focus now should be on teaching budgeting and good spending habits. I hope someone gives her this information soon.

Visit: Msfinancialsavvy.com, so you can get this information.

Interest Rate Increase

It has finally happened! A big jump in U.S. interest rates. Home sales have already slowed, hopefully this is not the beginning of a bubble burst.

Msfinancialsavvy

Credit Counselors and the IRS

In the past few years a lot of folks have complained about so-called credit counselors who don’t get them out of debt and charge them a lot of money. They pay a fee to get counseling and receive nothing in return.

Well, it turns out one reason these companies increased exponentially is because they were given tax-exempt status for claiming to be credit counselors.

The IRS commissioner is focusing on dishonest credit or debt counselors, 41 debt counselors have lost their tax-exempt status of the 61 they recently audited. These organizations exist mainly to prey on debt heavy individuals by charging them excessive fees for little or no service.

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http://www.msfinancialsavvy.com/article.php?aId=167

These are true Savvy Money Women

All of these women pass the Savvy Money Women test. They are all well into the millions of dollars a year for income. It seems so impossible for most women, but when you are in the right place, with the right education, and the right career and the right guidance you can make millions of honest dollars a year. Let's just hope they are all honest dollars, with all of the corporate fraud it makes you wonder. Here is your list of Savvy Money Women in the top 9 for income in corporate america.

1 Meg Whitman--- eBay $29.9 million
2 Andrea Jung Avon--- $22.1 million
3 Suzanne Johnson Goldman ---Sachs $17.5 million (tie)
4 Zoe Cruz ---Morgan Stanley $17.5 million (tie)
5 Ann Daly ---Dreamworks $16.8 million
6 Marie Toulantis ---Barnes & Noble $15.8 million
7 Patricia Russo Lucent ---$15.5 million
8 Anne Mulcahy Xerox ---$14.1 million
9 Myrtle Potter Genentech ---$14.0 million
10 Susan Desmond-Hellmann ---Genentech ---$13.4 million

Join other Savvy Money Women [Here]--

Open The Door To Happiness, Close The Door Of Debt, Money Worries, Financial Pain.

When one door of happiness closes, anogher opens; but often we look so long at the closed door that we do not see the one which has been opened for us. Live for your children as well as yourself, close the door to debt, financial destruction, and money worries.
Consider this information for your child's future--Read Msfinancialsavvy.com article here >

About Money, It's Your Money, So Get it, Grow it and Keep it.

Get it--Develop your primary career, job, or business to the maximum.

Grow it--Invest wisely, to beat inflation.

Keep it--Educate yourself about budgeting, investing, insurance, career development, home buying, small business, and "get rich quick" scams.

It is your money, know your choices, and know what to avoid.

Savvy advice from, Msfinancialsavvy.com