Money is part of our everyday life. Money if used wise it becomes a great servant. However, when we allow poor money management to put a yoke on us and our family, we become the servant of money, and money is a terrible master.
One of the lessons we learned from the recent recession is that we cannot trust those in power to protect our investments and savings from the shaky hands of our politicians and the federal reserve. After being indoctrinated with the consumerism philosophy as the cure for all financial ailments learning to save money becomes a challenge for most families. It is important to know how to manage money efficiently to ensure healthy savings. It is the creation of a savings program that can help us sustain the stormy weathers that are ahead of us.
Before you start looking into an investment program, start by developing a savings program. Most of us have heard of saving money "for a rainy day", but many of us never quite get around to developing a personal
savings plan. In our economic model where we focus on consumerism it can be difficult to make a savings plan a priority, but the longer we wait, the less
opportunity we have to accumulate a healthy financial amount.
Here are six steps you need to develop a workable savings plan:
- Determine a savings fund adequate to meet emergencies and achieve special goals. Develop your budget from the amount of savings you need to create a cushion your family needs for the rainy days and not from expenses you currently have.
- Add up your total income, including any funds you receive in addition to your earnings.
- Figure out your total fixed expenses such as rent or mortgage, insurance premiums or car payments.
- Estimate how much you need for day to day living expenses.
- Keep your savings funds separate from your operating funds. This
keeps the savings funds separate from the operating funds and you can
see your savings account growing every month which provides motivation.
- Make the savings systematic, for example you can establish a fixed amount every month of $100 or you can establish a % of your gross salary.
Remember that you will grow richer each month as you pay yourself first. Good money management is more than financial formulas. It is controlled by the current events in our lives, so it needs to be modified as situations in our lives change. Do not be discouraged if initially your savings plan does not meet your goals. You may need to review your plan and identify the areas that need to be corrected, revise your plan and go at it again. This system works regardless of your job position and/or income level.
One of the reasons I started this blog was to share with you not only how to increase your wealth but how our wealth is stolen from us by the same people we hire to protect our wealth. Also, it is my intent to help people wake from their slumber and realize that the "American Dream" and
"American Safety" is turning into the American Nightmare and American Insecurity.
As I continue my studying and researching the history of the United States economic, finance, and tax policies the more I come to understand how our liberties have been violated and our freedom which we have fought so hard to achieve have been stolen. Our gold was removed from our currency, our right to bear arms is in danger, and very soon our freedom of speech can be controlled and blogs like this one could be banned. There was a time when we were
about liberty and freedom. However, the reality is that today our nation is going through a radical change. Those of us who love liberty and freedom must be watching our words and our backs. If you say the "wrong" thing on blogs you can be viewed as "terrorists" or "anti-American" and suffer severe consequences. You do not have the right to raise your children as you see fit. You do not have the right to privacy (many people live on a fantasy thinking that our emails, phone calls, and private transactions on the net are "private").
Just to give you a brief example, according to licensed private investigator Angela V. Woodhull, hospitals are increasingly using "guardianship" to strip elderly Americans of their liberty and to rapidly drain their bank accounts. Now this to me is the ultimate test to determine if our freedom has been stolen from us, a judge in Wisconsin has actually ruled that citizens do not have a right to grow and eat whatever foods they want to. The following is a short excerpt from his recent decision....
1) no, Plaintiffs do not have a fundamental right to own and use a dairy cow or a dairy herd;
2) no, Plaintiffs do not have a fundamental right to consume the milk from their own cow;
3) no, Plaintiffs do not have a fundamental right to board their cow at the farm of a farmer;
4) no, the Zinniker Plaintiffs’ private contract does not fall outside the scope of the State’s police power;
5) no, Plaintiffs do not have a fundamental right to produce and consume foods of their choice;
When you see this type of invasion of the government in our private lives, we must wonder what happened to the "American Freedom". I don't know about you, but I don't want to end up living in a society that resembles the novel "1984" by George Orwell. 1984 was George Orwell’s chilling prophecy about
the future (written in 1948). The novel is set in Oceania, where society is tyrannised by the "Party" and its totalitarian ideology. The Oceanian province of Airstrip One is a world of perpetual war, omnipresent government surveillance, and public mind control, dictated by a political system named "English Socialism" under the control of a privileged Inner Party elite that persecutes all individualism and independent thinking as "thought crimes". Behind the curtain there is a quasi-divine Party leader who enjoys an intense cult presence, but who may not even exist. Big Brother and the Party justify their rule in the name of a supposed greater good.
Sadly, both major political parties of this country are part of this problem which is suffocating our country. Instead of protecting us against true enemies they have become our biggest threat. Instead of they protecting us against the true terrorist who may violate our freedom they have become the boogeyman and the thief of our liberties in the name of a "greater good".
Yes, we need security. However, this security must be established in a way that does not violate the liberty, freedom, honor or dignity of the American people. If the people in charge of providing us this security cannot accomplish this task without violating the human principles mentioned before, then they must resign and allow someone else to perform the task.
Identity theft has become one of our worst nightmares. It has become a $50 Billion illegal machine that is constantly evolving and causing damage to our personal finances. Identity theft does not discriminate; the id thieve does not care about your gender, religion, nor race. Actually your age does not matter, one of the most alarming facts found from various research is that one of the most affected by this crime are children and teenagers.
The thief has no face, no gender and he/she can be anywhere. Just recently it was released a report that 12.6 million Americans were affected by ID theft in 2012 alone. This was the second highest total reported since the Federal Trade Commission began counting victims in 2003. The 2012 results were approximately 1 million more than 2011 and second to the record year of 13.9 million in 2009.
I have completed a book on the subject of identity theft and its incredible the how devastating this problem is for the American people. I think you will find the information useful and would like to hear your comments.
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