Chat with us, powered by LiveChat 

Category Archives: Main Blog

March Madness!

By | Main Blog | No Comments

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…

Read More

Win-Win

By | Main Blog | No Comments

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…

Read More

The Crisis in American Banking in The Early 20th Century

By | Main Blog | No Comments

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…

Read More

Smart Personal Finance Decisions

By | Main Blog | No Comments

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…

Read More

Pack Lunch & Save Money

By | Main Blog | No Comments

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…

Read More

3D Printers Changing the Game!

By | Main Blog | No Comments

3D Printers have become a game changer for our world today. There are various different industries making leaps and bounds with this new technology. 3D printers are bringing in so many opportunities and solutions. Here are a few of the breakthroughs: 3D printed human skeletal muscle tissue, 3D printed prosthetic, 3D ultrasound pictures of babies. What is 3D printing? It is a process that creates three dimensional objects. It is similar to the process of regular paper printing, but it uses a digital file and a materials printer. It creates the object from the ground up by adding layer after layer of material using additive manufacturing. The 3D printing technology has grown and evolved rapidly. 3D printing can be used for so many different reasons in so many different areas of expertise including jewelry, education, dental, industrial, and more. The 3D printing industrial robots are a rising development that will continue to make progress and improve many different aspects of life.

Read More

Introvert or Extrovert

By | Main Blog | No Comments

Are you the life of the party when it comes to going out and meeting new people? Or do you cringe in social settings and getting to know new people? No matter what, we all have times when we feel uncomfortable and anxious when we interact with new people, especially when it is the first time. We often say people are either introvert or extrovert, but the truth is we are all introverted and extroverted in some form during different situations. It is really about how we feel in whatever circumstance we are in at that time. So many people believe that if you are introverted you can’t connect with people or be successful. This is 100% completely wrong. Everyone is different and we all have powerful traits that can be used in many aspects of life. Using introversion or even extroversion as a reason why you can’t do something or get something done is just a simple excuse. It doesn’t matter how you identify yourself, being an introvert or extrovert is just your behavioral preference. Our power comes from getting out of our comfort zone no matter what we consider ourselves. We have to gain flexibility within ourselves. Remember…

Read More

TGIF!

By | Main Blog | No Comments

TGIF! The weekend is finally here, time to sit back and relax. The busy work week and running around has finally commenced. We can all put our feet up and spend time with friends and family, what we all enjoy most. It is time to unwind and just breathe. Sometimes we all get caught up in the hustle and bustle of everyday life. We let the little things and precious moments pass us by. The gift of life is amazing and we should be able to cherish it. Do something different, try new things, go on an adventure and keep life exciting. Set up a mini vacation with your loved ones or friends. The weekend gives us time to be spontaneous and lively. We can recharge and not get consumed in our day to day routine lifestyle during the week. “Never get so busy making a living, that you forget to make a life.” -unknown “Friday, the golden child of the work weekdays. The superhero of the work week. The welcome wagon to the weekend.” -unknown      

Read More

Black History Month

By | Main Blog | No Comments

African American History Month is an observance for the remembrance and celebration of important people and events in the history of African Americans. We come to recognize the central role of African Americans in the U.S. Half a century after the 13th Amendment abolished slavery in the United States, Black History Month was established in 1915. Before Black History Month, we acknowledged Negro History Week which eventually evolved into Black History Month in 1976, thanks to the Civil Rights Movement and the increased awareness of black identity. The month of February was chosen to celebrate the birthdays of Abraham Lincoln and Frederick Douglass, two influential figures in Black History. We come together as a nation to recognize how far we’ve come as “We The People.” “Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.” –Harriet Tubman “Success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome while trying to succeed.” – Booker T. Washington “Hold fast to dreams, for if dreams die, life if a…

Read More

Start the New Year off The Right Way

By | Main Blog | No Comments

Develop a Spending Plan If developed and implemented correctly, a budget will reveal weak areas and ultimately will make you live within your means. However, according to surveys, only 30% of Americans prepare a monthly budget that tracks their income and expenses. That leaves 70% of consumers who may have no real means of assessing their finances and implementing more responsible spending habits. That’s crazy, especially since tracking expenses is now so easy to do.   Get Out of Debt About half the families that have credit cards carry a specific balance. Your statement now tells you how long it will take to pay off that debt if you make only the minimum payment each month. For example, if you owe $2,800 on your card and have an 18 % interest rate, making only the minimum payment — $56, or 2 %— means it will take you nearly 30 years to pay that off the card. Along the way, you’ll pay nearly $6,800 in interest. Don’t fall victim to this trap. Instead, develop a debt-management plan that can use funds from your budget. You can pay off that debt in a year with a monthly payment of $250 and pay only $288 in interest. That’s a savings of…

Read More