Savvy Money Women

Enjoy Photos and Paintings On Artbazz, Art Education

2012-10-10T11:35:00.000-04:00

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

5 Low-Cost Ways to Promote Your Book Online

2012-04-26T11:31:00.000-04:00

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 There are thousands of unpublished writers looking to get signed so you have a great accomplishment.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

2012-03-23T14:48:00.000-04:00

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

2012-02-27T14:56:00.000-05:00

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

2012-02-03T17:04:00.000-05:00

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

2012-01-19T18:38:00.001-05:00

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

2012-01-03T16:21:00.003-05:00

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

2011-12-20T13:46:00.000-05:00

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

2011-12-14T11:47:00.001-05:00

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

2011-11-03T20:26:00.000-04:00

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

2011-11-03T19:59:00.001-04:00

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

2011-09-15T14:44:00.000-04:00

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

2011-08-11T17:04:00.002-04:00
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

2011-08-02T15:50:00.002-04:00
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...

2011-07-12T15:07:00.006-04:00
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

2011-07-12T14:54:00.003-04:00
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

2011-07-12T14:48:00.002-04:00
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

2011-06-16T14:18:00.003-04:00
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

2011-05-12T14:34:00.000-04:00
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...

2011-04-23T20:45:00.000-04:00
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

2011-04-14T09:16:00.002-04:00
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

2011-03-03T16:04:00.001-05:00
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...

2011-03-03T15:59:00.001-05:00
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...

2011-02-04T12:37:00.005-05:00
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...

2011-02-03T21:37:00.001-05:00
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