New United States Treasury Secretary,

If anyone runs into the new treasury secretary please advise him to pick up a copy of, Let's Get Financial Savvy! and PLEASE use the website, Msfinancialsavvy.com. All he needs to protect the U.S. treasury can be found in this book and the the above recommended website. The book is available at the website and all online bookstores.

10 Commandments of Saving Money

Commandment #1 Thou shall open up a savings account and make regular contributions. This is the first step toward developing good saving habits. Putting money in a mattress or your car is not safe or practical.

Commandment #2 Thou shall take advantage of your 401K plan or other company plan at least to the match amount. Usually a company will give you 50 cents on the dollar up to 4 percent. This is free money and depending on the company vesting schedule this money goes with you if and when you leave. This is also a great way to help manage your taxes because the money taken from your income pretax and lowers the amount of money you pay taxes on.
Go here for the remaining 8...http://www.msfinancialsavvy.com/article.php?aId=162

Pay For College, Save Money, Create A Budget, Understand Retirement

If you are trying to pay for college, save money, create a budget or simply understand how you can eventually retire without proverty and before you have one foot in the grave, there are several steps you should take. The first of them is education. You must educate yourself, if you want to create a financially savvy and financially sane life. Begin this process with an easy, simple to read, but thorough book that explains all of these topics and more. Don't get left depending on others who could care less about how you end up financially. Sure, they will smile and pretent for a fee, sometimes a big fee, but do they really care? Unfortunately, the answer is no, and the sooner you understand that, the better off you will be, buy this book now and get many free bonuses with it.
Click here now!

Famous Oprah Charitable Donations...

Oprah gave $10 million of her own money to build 50 homes for Katrina Victims in Texas, and NBA star Kevin Garnett gave money to build 24 homes for Katrina Victims in Jackson, Mississippi. We see that famous stars can be kind, generous and financially savvy with their money. Their donations went far and wide. Go here, learn more...Msfinancialsavvy tutorials 

The Clinton-Murdoch Conspiracy

Rupert Murdoch is going liberal and Hillary Clinton is going Republican. So it seems anyway as they are partaking in a fundraiser together.

Maybe there is hope that all poor people and rich people will stop fighting over money and they will all become great friends!

Learn more about your potention with money...go here...
http://www.msfinancialsavvy.com/channel.php?cId=7

Tax Breaks For The Rich

Tax breaks for the upper class and rich are continuing. Most that were set to expire have been scheduled to continue. With the republican ratings at an all time low, they were forced to pull out an ace in the hole, and this was it.

Understand more about money here...
Msfinancialsavvy.com

Day trading is back! Remember when every news channel showed the picture of the man who shot up everyone in his daytrading business because he lost something in the neighborhood of $100,000 daytrading. That is a lot of money, but that is typical of daytrading. You can't win for losing. Yet, because the stock market is going up again, now we see advertisments about people daytrading and lieing about how they made tons of money. It works because some people 1. Believe anything they hear on tv, no matter how big a lie it is, 2. Some people feel they need to believe anything that says they will make a lot of money no matter how outlandish it sounds.

The reason daytrading does not work because you are GUESSING, and you can't guess wallstreet. The big boys on wall street have access to 98% of company information us little guys don't have access to. So, if there is a big sell-off fast you----the small daytrader---will be left holding the bag, or should I say without your bag of money. I have seen it happen to many a daytrader. And, those testimonials, they don't have to prove to the government that they are true before they go on the air, so who is checking. You don't want to know.

All you need to know is that you have to protect your money because if you don't no one else will.

Msfinancialsavvy.com
Get accurate and up to date information about investing here. 

Financing College With School Loans And 60 Minutes Broadcast

I went to college and graduate school with school loans so I feel for those who have to borrow to get an education in the United States. The problem is we live in a wealthy country where students from poor and middle class families are being forced to borrow money way in excess of the amount of money they will make for a year.

Here is an example....
A school teacher averages about $27,000 a year. That is peanuts compared to the average school loan debt of $50,000, if she gets into a car accident, gets sick, or gets fired and can't find another job for awhile she is still required to pay for her school loans. Who, that is immoral, cruel, unjust and just plain mean. But, the hardest lesson I had to learn when I graduated from graduate school is that this world can be cruel, unjust and mean. Nobody cared about me and my financial problems when I did not have a job, and noone will care about you either.

What is the solution?
Go to colleges that are cheap, where you or your parents can afford to pay for. Borrow only tiny amounts of money. Don't get conned by the "this is a good college game". It doesn't matter how good the college is if you can't pay for it. If you have to get mountains of school loans, and you default on your school loans, you can't get a job anyway. So what's the point of going to the over-priced good college, there is none.

Some people borrow $50,000 and with interest pay back $200,000. That does not make sense, go to a college you can afford.

Direct Student loans are much better, and cheaper than Sallie mae loans. Ask your financial aide office for Direct loans if you must.

I paid all of my school loans, but it was horribly difficult.

Take our free college financial aide course:
http://www.msfinancialsavvy.com/register/ecourse6.php

Use our free college scholarships tutorial:
http://www.msfinancialsavvy.com/scholarships/information.php

Hello Investors,

The stock market is up.

I hope those of you who left the markets after the dot com failures are not sick today. The market reached a 7 year high and my investments are soaring. I stuck it out. I know the markets so I held on to my stocks and mutual funds. Get soaring, I hope you sail with me. It
is lonely out here in the land of "common sense". Good luck to all of you who stuck it out. Keep researching your investments so you will have the nerve to stay the course when the sea of investing gets rough. Until tomorrow,

Msfinancialsavvy.com 

The Fat and Skinny About Payday Loans in Virginia

Ok, according to my website Msfinancialsavvy.com, borrowing money is not cool. Then why would you go to a payday loan source to borrow money? That is the quesiton we are asking.
According to our local newspaper, The Virginian-Pilot, they say that the short-term, high interest payday loans have just passed the $1 billion dollar mark. In other words, they have made $1 billion dollars worth of these loans to people in Virginia.

The interest rate is an annual percentage rate of 390%. The maximum one can borrow is $500, and the maximum length of time is 4 weeks. Now, there are even loans that use your car as collateral. Wow! That is dangerous, lose your car for a few bucks!

There is nothing you need that can't wait four weeks. The problem is if you don't make good on the loan you can end up paying thousands of dollars back when you only borrowed a few hundred. The risk is not worth the loan.

Be patient and wait until you get paid again, or go to a relative.

Msfinancialsavvy.com

Pray For Peace and Money For The Poor On May Day


Today is May Day, there are protest all over the world. The illegal immigrants are protesting to stay in this country and a become legal citizens, the pro-Darfur activist are protesting the treatment of a an entire race of people in Darfur, the anti-poverty activist are protesting the treatment of poor people in Haiti and poor people around the world.

What do all of these May Day protest have in common. They all have the lack of money and power, and the power to control ones life with money. Poor and mistreated people all over the world lack finances, jobs, and the money that brings such to their lives. With money they can buy decent homes, food, schools, teachers, education and control over their lives and their destiny. Without money others, who don't care about them control their lives in the lowly way they see fit, such as Darfur, Haiti, and the immigrant countries that illegal immigrants escape to get jobs in the U.S..

Here I demonstate how important it is to have money whether you live in an industrialized country or an under developed country. Money, budgets, jobs, and careers will bring you food, shelter, clothing, medicine and education. Pray for poor people all over the world. Pray that someday we don't have the wealthy taking advantage of the poor for their livelyhood. It doesn't matter what your religion is...just pray.

If you have access to a charity, give your time, energy and extra money to help others less fortunate than you.

Peace,
Msfinancialsavvy
http://www.msfinancialsavvy.com 

The Focus On Money

Why should you focus on money early in life?

Here is one good reason.

The head of one of the biggest oil companies in the U.S. is retiring with $400 million dollar retirement package. At the same time we are paying from $2.50 to more than $3.00 a gallon for gas. What is wrong with this picture? Well, it should be painfully obvious that as the rich get richer, the poor definetly get poorer. Are we being taken advantage of? You bet we are. Does anyone care about the small person, working themselves to death to make a meager living? No, noone cares about you, except maybe, your mother. In this era of family discontent, even some mothers would prefer not to have contact with their greedy kids.

Anyway, I write this to demonstrate why you need to focus on money. Because noone cares about you, but you, you must focus on making an honest living, and making as much money as you can doing so, because in America:

1. You have to buy overpriced gas.
2. You have to rent or buy an exhorbantantly priced apartment or home.
3. You have to buy a care most people can't afford.
4. You have to shop in grocery stores that markup their food unnecessarily and tell us they have low profits.
5. You have to pay off atrocious college school loans, if you go to college.

The solution...
As the insanely hard working average American gets poorer, corporate giants and others get richer.

So, keep working.

Rebel, don't overpay for anything, find ways to buy cheaper as used, marked down, and if you don't have to, don't buy it at all. Americans need to rebel against price gauging NOW! or we will all be living on the streets eatting out of trash cans. That includes, the M.D., PhD., DDS, BA, RN,
and all other educated American. Get smart now.

Msfinancialsavvy.com

What I learned from Katrina--10 Tips to have you plan for an emergency.

I traveled to New Orleans and saw the devastation of the 9th Ward and spoke to the people directly effected by the horrific hurricanes. Houses were down all around me and no one had electricity or lights in the 9th Ward. Walking through the area got me thinking of my owns finances. Would I be ready in the event of a natural disaster?

Here are a 10 tips to help you prepare for a horrific event.
Read More Here...
http://www.msfinancialsavvy.com/article.php?aId=145

Use Fresh Herbs To Spice Up Your Cooking

Fresh Herbs--the inexpensive way to use fresh herbs and spices in your cooking.

A healthy way to spice up your cooking or your salads is with fresh herbs.You can grow then in a garden or container pot if you don't have much space. Herbs grow in the spring, summer and fall in colder climates, andyear-round in warmer climates.

The most common garden and container herb plants are basil, chive, cilantro, oregano, parsley, rosemary, sage, and thyme. I have all of these in my containerherb garden. Rosemary grows as a ground cover or ornamental plant. In warmerwest coast climates rosemary grows, and grows and grows all the time. It grows well now in my east coast home as an ornamental plant in the spring, summer and fall.

In the winter many of your herbs will go dormant, but in the spring they willgrow back on their own. The following are a list of the most common herbsand many are easy to grow. This is important because herbs are expensive tobuy.

Consider these herbs and their uses-
Read More Here...
http://www.msfinancialsavvy.com/article.php?aId=149 

Personal Finance

The other day someone ask me, What is personal finance? The person who ask me is educated, works for a major company and makes a lot of money. No wonder we have so many once wealthy people filing bankruptcy, average hard working people losing homes because they are
over-come with bills. What good are american schools if they cannot define such simple terms for its graduates. Well, you have waited long enough. Are you ready for this?

Personal Finance is...

Your personal, finances.

Your finances that are personal to you.

Your ability to manage finances that are personal to you and only you.

Folks, how much simpler can I spell it out for you. Personal finances are simple. Now, get it,
before yours get complicated.

Msfinancialsavvy.com

Spring Into Financial Success

Tax Filing Time Is Approaching

Tax filing time is rapidly approaching. But you still have time to file your taxes, fund your IRA or file an extension.

Filing your taxes on time is by far the best thing to do, especially if you are self-employed. You may not get credit for the social security taxes you paid if you do not file on time. So, when you get your social security tax payment statement in the mail be sure to check it, this will tell you if you got credit for the tax you paid. It usually comes once a year.

Read More...
http://www.msfinancialsavvy.com/article.php?aId=143

Investing During Retirement To Maintain The Good Life

Investing during retirement is different than investing for retirement. In investing during retirement you need to weigh and measure several different factors to assure that your money last, you will live comfortably, and if you want to leave some money to your children or grandchildren.

Your retirement nest egg must be well thought out and closely monitored.

1. Life expectancy
What do you feel your life expectancy is considering how long your parents lived and your current health status is.

Read More Bullets...
http://www.msfinancialsavvy.com/article.php?aId=142

Good Southern Collard Greens Soul Food Recipe

A popular soul food recipe in the south is collard greens, mixed with proper seasonings and a few other types of greens, you have a dish that even royalty will savor.

Ingredients:
http://www.msfinancialsavvy.com/article.php?aId=141

Your Mutual Fund and Tax Consequences

If you own a mutual fund as a regular savings account, you may be subject to paying taxes on your mutual fund. If you had a substantial income or capital gain distribution, you may have substantial taxes.

http://www.msfinancialsavvy.com/article.php?aId=139