All posts by Kristine Crosby

March Madness!

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Spring is here which means it is time to pull out your brackets for a little March Madness competitive fun with your friends and co-workers. You have been following your team all season as they experienced the ups and downs that are part of college basketball, but all of that is nothing compared to what’s to come. As we all start getting pumped up for March Madness and whats to come during this top notch competition, our teams prepare themselves. Will a 16 seed team finally take down one of the top dogs this year? March Madness fever is spread all over the country as billions of dollars are spent through a corporate level and global gambling. Over this next week, 52 games will lead us to one team’s dream of a national championship. This year the NCAA tournament territory is wide open, all teams are vulnerable. We have legends and teams rising to the opportunity at making their own legacy. This 68-team single elimination tournament should be an exciting and extensive march of madness this year. Pull out your brackets and sit back as we watch these teams go head to head for the number 1 spot! Get your…

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Win-Win

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Trade is win-win. Two people trade only because each values what he gets more than what he gives up. That’s why in a store both customer and clerk say, “Thank you.” At the international level, trade is also win-win because it allows countries to specialize in what they do well and trade the extra for things they don’t make as well. When free trade is unmolested, the world is richer and has more choices. “If you’re trading with them, it makes war much less likely,” Palmer said. “We’re not going to go to war with Canada. It’s our biggest trading partner—$600 billion a year going across the U.S.-Canada border in trade along the longest non-militarized border in the world. Five thousand miles, counting Alaska. That is trade creating peace.” As the French economist Frederic Bastiat put it, “When goods don’t cross borders, soldiers will.” President Bush joined the moral debate, telling his audience: “Open trade is not just an economic opportunity, it is a moral imperative. Trade creates jobs for the unemployed. When we negotiate for open markets, we are providing new hope for the world’s poor. And when we promote open trade, we are promoting political freedom. Societies that…

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The Crisis in American Banking in The Early 20th Century

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In the last three decades of the twentieth century banking crises were especially frequent. The Federal Reserve System was created in 1913. This was the beginning to a modern era of American banking. Federally regulated system of national banks dominated American banking up until the year of 1864. These banks were allowed to issue currency. The currency was printed by the federal government. The currency was created with specified size and specific design. The amount of currency that was issued was regulated by the national banks capital. At this time period there were various bank failures and financial crises. The central problem against the banking system was in response to the money supply. They were having problems shifting the currency around the country in response to local economic changes. This issue eventually led to another issue called bank runs. Bank runs are a phenomenon in which many of a bank’s depositors try to withdraw their funds due to fears of a bank failure. In the past bank runs have been known to be contagious, with a run on one bank leading to a loss of faith in other banks, causing more bank runs. This led to widespread panic and devastation…

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Smart Personal Finance Decisions

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We all have different reasons we need and want to save money. Is it easy? For most of us it is a struggle. You might want to save up to buy a house, new car, your future or maybe even your retirement. All of these are important. We live in a world where saving money isn’t easy. Saving money means we have to sacrifice somewhere within our lifestyle. This is what usually causes us to feel like saving money is a pain, but there are ways to make saving less painful. We need to pay closer attention to the little things in our day to day lives that can be made easily more efficient in such way that it is more valuable, productive, useful and economical. Simple things like deals and promotions might seem annoying to us, but if you really think about it they can often times allow you to get something for less or nothing in your common spending habits. Here are a few more ways to save a little extra money: Stop eating out and prepare meals at home Recycle Plan your day ahead of time, make less stops and don’t waste gas Turn off your lights…

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Pack Lunch & Save Money

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Looking for new ways to save money and budget! Eating out is something we all love to do! It is easy, fast, fun, and yummy! Do we really need to be eating out for lunch when we are at work? The answer is no. We can pack a lunch from home. It is more cost efficient and and easier on the waist line. 😉 I personally have always wondered where people get the money to eat out everyday and even if they have the money to do so why is it they choose to spend it there? The cost of eating out is high and poor for your nutrition. Sometimes convenience is not the best route. Buying lunch out can cost anywhere from $5 to $20. Lets say the average person in the “lunch out crowd” spends $10 to buy lunch. For this price you will get a soda, chips and a sandwich. If you made that exact same sandwich at home with a handful of chips and a soda you would be spending all together about $4. In fact I bet you that sandwich tastes even better when you make it fresh from home! The average home made lunch…

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