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Affordable Care Act Website

November 27th, 2014 Posted in Savings Tips, Seniors

OK it is sign up time again for Obama care. Here is what I found this year. If you have not been on the Healthcare.gov website in a while you will probably have to reset your password. Which means in most cases that you have to make a phone call to the phone number on the sign-in screen and have your account unlocked. Take your time do it when there are no interruptions and take lots of deep breaths. The site is a lot better then last year. You can compare plans before doing the application, check them over, make phone calls if necessary get answers to your questions then pick a plan. Our monthly cost actually went down and our drug cost went up

Budget your giving!

November 19th, 2014 Posted in Savings Tips

bellringerWell it is that time of year again when everybody has their hand out.  Giving to a charity is great so long as you give what you can afford not what someone makes you feel guilty about.  Also make sure what ever you give is actually going to the charity.  Also watch where you park when shopping and be aware of your surroundings and never be afraid to ask for an escort to your car.

Holiday Spending

November 4th, 2014 Posted in Finance Tips, Money Saving Tips

presentOkay, it is the beginning of holiday shopping season so beware of the commercials. Don’t overspend! Make a list and try to stick to it. Layaway can be a great way to not be in debt after the holidays. Just remember when your list is complete stop shopping, relax and enjoy time with family and friends!

Don’t let volatility rattle you.

October 28th, 2014 Posted in Business, Finance Tips

snowball_downhillIf you invested in good companies and they are still good companies hang in there remember if you sell that is a decision and then you must decide when and at what price to buy. Growing a portfolio takes time, time in the market not out of it. Reinvest those dividends and watch your portfolio grow like a snowball rolling down hill.

THE MAGIC BANK ACCOUNT

October 16th, 2014 Posted in WholeSum Thoughts

THE AUTHOR IS NOT KNOWN. IT WAS FOUND IN THE BILLFOLD OF COACH PAUL BEAR BRYANT, ALABAMA, AFTER HE DIED IN 1982

The Magic Bank Account

Imagine that you had won the following *PRIZE* in a contest: Each morning
your bank would deposit $86,400 in your private account for your use.
However, this prize has rules:

The set of rules:
1. Everything that you didn’t spend during each day would be taken away
from you.
2. You may not simply transfer money into some other account.
3. You may only spend it.
4. Each morning upon awakening, the bank opens your account with another
$86,400 for that day.
5. The bank can end the game without warning; at any time it can say, Game
Over!”. It can close the account and you will not receive a new one.

What would you personally do?

You would buy anything and everything you wanted right? Not only for
yourself, but for all the people you love and care for. Even for people you
don’t know, because you couldn’t possibly spend it all on yourself, right?

You would try to spend every penny, and use it all, because you knew it
would be replenished in the morning, right?

ACTUALLY, This GAME is REAL …
Shocked ??? ……..YES!

Each of us is already a winner of this *PRIZE*. We just can’t seem to see it.
The PRIZE is *TIME*

1. Each morning we awaken to receive 86,400 seconds as a gift of life.
2. And when we go to sleep at night, any remaining time is Not credited to us.
3. What we haven’t used up that day is forever lost.
4. Yesterday is forever gone.
5. Each morning the account is refilled, but the bank can dissolve your
account at any time WITHOUT WARNING…

SO, what will YOU do with your 86,400 seconds?

Those seconds are worth so much more than the same amount in dollars.
Think about it and remember to enjoy every second of your life, because time
races by so much quicker than you think.

So take care of yourself, be happy, love deeply and enjoy life!
Here’s wishing you a wonderful and beautiful day. Start spending….

“DONT COMPLAIN ABOUT GROWING OLD…!”
SOME PEOPLE DON’T GET THE PRIVILEGE!’

Scary Market

October 14th, 2014 Posted in Business, Finance Tips

business-time-11291126308C1YOK yes the market is acting scary but don’t panic! Just consider it a sale where you might get a good buy on something you have been wanting. Yes tomorrow it might be cheaper but then again it could be more expensive. We don’t always get to buy what we want at the lowest price but with proper research a fair and reasonable price.

The Simple Dollar

Our work has been carried by some of the country’s top media outlets, including Forbes, CNN, and US News & World Report. We recently published a free online guide to financial independence for women that I believe has a lot to offer your members and others in your local community.

Our guide is designed to provide women with a thorough, step-by-step introduction to securing and maintaining financial independence. We worked hard to produce a guide that introduces all the basics while also delivering expert insight and practical budgeting, spending, and saving tips that women can use to make a real difference in their financial lives. I think our guide can serve as a valuable resource for club members, while also aligning closely with your efforts to improve your local community.

Take a look at our work here: <http://www.thesimpledollar.com/guide-to-financial-independence-for-women>

We start by introducing the special challenges that many women face when it comes to building a strong financial foundation. For example, the average woman spends 12 fewer years in the full-time workforce than the average man, primarily due to child-rearing responsibilities and a greater reliance on part-time work. Women also enjoy a longer average life expectancy than men, creating a greater need for savings to fund a longer retirement. These and other challenges mean that women must take special care to begin laying the groundwork for true financial independence as early as possible.

Our guide – which is completely free and instantly accessible to anyone – then goes on to cover the basics of cash flow analysis and household budgeting, two fundamental skills that are critical to maintaining financial independence over the long run. We also break down the key strategies women can use to deal with debt and save for retirement successfully.

Jump to the section of our guide that details saving strategies here: <http://www.thesimpledollar.com/guide-to-financial-independence-for-women/#step-4-save>

While this guide is one of our newest productions, universities and professional associations are already linking to it and our other guides as trusted resources. Here are some examples:

Blood Moon

October 8th, 2014 Posted in Educational Forum

Rare selenelion event this morning Oct. 8th from 4:15am to 6:55am this is when there is a lunar eclipse and sunrise at the same time.  In case you missed it…..It can be watched on line at the NASA website…or right here!  To see the full eclipse, fast forward to around the 2 hour mark….this is a time lapse video!

Market Volatility

September 29th, 2014 Posted in Business, Finance Tips

stock-market-apps-for-ipad-iphoneOK it looks like we are going to get some volatility in the stock market. I hope everyone has their wish list, a list of stocks, etfs, or other products that you would like to own if only the price was right.

Keep an eye on the market and you just might get your wish with the right price. Don’t forget you can buy with a limit order and you do not have to buy or sell every thing at once. You can get in or out of the market in steps rather then just jumping off the cliff.

Money Clutter

September 24th, 2014 Posted in Business, Finance Tips, Savings Tips

Don’t get bogged down in clutter…..Have a system for keeping track of your spending. Don’t forget to pay bills it will cost you in more ways then you can imagine. Some bills can be automated through your bank, other times you can get reminders sent to you either from your calendar or through e-mail. Sometimes just keeping a list with paper and pencil is best. Do what ever works for you. I use what ever works best for that bill.

Michele

If you do have clutter, why not get money for it!  Here’s a Facebook page setup to help you do just that…

https://www.facebook.com/pages/Money-For-Clutter-Com/210371549003616

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