October 8, 2016 OSHA urges storm recovery workers, public to be vigilant, aware of hazards in aftermath of Hurricane Matthew ATLANTA Florida's emergency workers, employers and the public at-large f Source link Tags:
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October 8, 2016 OSHA urges storm recovery workers, public to be vigilant, aware of hazards in aftermath of Hurricane Matthew ATLANTA Florida's emergency workers, employers and the public at-large f Source link Tags: When you make those New Year's resolutions, you're thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017. Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs. Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It's critical you have rewards in your budget. Exercise regularly: You'll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent, says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to keep up with the Joneses. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself. Eat healthier: A healthy eating plan can be as - or more - economical than fast food. It's a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it's freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol. Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don't have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months' worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you. Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren't left trying to pick up the pieces. Make sure you have a will or trust that designates who's in control of your assets. You certainly don't want the state court system to make that decision for you. Don't forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so. Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It's important that couples sit down and create a financial plan. It doesn't usually work to try and manage their finances separately. Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don't get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you've made progress on achieving your financial goals. Source by Patrick Redo Tags: October 8, 2016 OSHA urges storm recovery workers, public to be vigilant, aware of hazards in aftermath of Hurricane Matthew ATLANTA Florida's emergency workers, employers and the public at-large f Source link Tags: When you make those New Year's resolutions, you're thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017. Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs. Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It's critical you have rewards in your budget. Exercise regularly: You'll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent, says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to keep up with the Joneses. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself. Eat healthier: A healthy eating plan can be as - or more - economical than fast food. It's a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it's freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol. Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don't have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months' worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you. Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren't left trying to pick up the pieces. Make sure you have a will or trust that designates who's in control of your assets. You certainly don't want the state court system to make that decision for you. Don't forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so. Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It's important that couples sit down and create a financial plan. It doesn't usually work to try and manage their finances separately. Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don't get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you've made progress on achieving your financial goals. Source by Patrick Redo Tags: When you make those New Year's resolutions, you're thinking about fresh starts and the year ahead. What you might not realize is that some resolutions also could save money. Here are some popular resolutions that could help get you and your finances in shape in 2017. Quit smoking: You can save money by stopping a pack-a-day habit, which can cost between $1,825 and $3,650 per year, depending on the cost of cigarettes in your area. Nationally, a pack-a-day smoker is going to spend an average of $2,000 annually on cigarette costs. Set up and stick to a realistic budget: If you want to resolve to stick to a budget in 2017, you must start with a realistic plan. People tend to make financial resolutions the same way they do a weight loss plan. If you start with lofty goals they will be unachievable within a month. List your priorities for spending rather than restricting your spending. Focus on necessary expenses then include a certain amount for retirement savings. Then with the remaining money you have each month, set aside a little for enjoyment. It's critical you have rewards in your budget. Exercise regularly: You'll save money in several ways with regular exercise. On average, Americans are spending $7,800 annually on health care, according to the National Association of Health Underwriters. But exercise brings real savings. If people are eating right and exercising three times a week for 20 minutes a day, they see prescription costs decrease by 70 percent and medical costs decrease by 30 percent, says Ric Edelman of Edelman Financial Services. Stop spending money recklessly: One of the best ways to stop spending your money recklessly is to track where it is going each month. Check with your credit union and download their free mobile budgeting app that shows expenditures by category so you can monitor your spending. A great way to get your spending under control is quit trying to keep up with the Joneses. If you want to fix your bad spending habits in 2017 start hanging out with other spendthrifts because you will likely become one yourself. Eat healthier: A healthy eating plan can be as - or more - economical than fast food. It's a total myth that eating healthy is expensive. Buy smaller but leaner cuts of meat, eat protein-rich beans and buy produce in season when it's freshest and least expensive. A smaller amount of a leaner cut can slice your food bill and your bad cholesterol. Build an emergency fund: Nothing takes the stress out of financial situation like spare cash. If you are among the millions of Americans that don't have enough money set aside to cover unexpected expenses or emergencies, then you should resolve to build one in 2017. Experts recommend putting enough money in a savings account to cover six months' worth of expenses in case of unexpected emergencies like job loss, maternity leave or medical issues. You can always apply a small amount of your paycheck towards this account, so you make sure it is hidden from you. Pay off high-interest debt: Paying down credit card debt is one of the most popular short-term goals in 2017. Try focusing on paying off your high-interest credit card debt before other debts because it is more expensive. And, it you are motivated by seeing those results first hand, start by paying off your card with the lowest balance first so you can feel that sense of accomplishment. Create your estate plan: An important 2017 resolution would be to tie up any financial loose ends for your loved ones so they aren't left trying to pick up the pieces. Make sure you have a will or trust that designates who's in control of your assets. You certainly don't want the state court system to make that decision for you. Don't forget to designate a guardian for your children, and someone who will make financial and healthcare decisions for you if you are unable to do so. Develop common financial goals with your partner: Many times finances are the biggest source of conflict between couples. It's important that couples sit down and create a financial plan. It doesn't usually work to try and manage their finances separately. Any of these resolutions can help improve your financial security in 2017. I suggest tackling one financial tip each month so you don't get overwhelmed. Then as you get accustomed to the new approach to spending and saving, add another. By the time 2017 starts dwindling toward 2018, you will find you've made progress on achieving your financial goals. Source by Patrick Redo Tags: The U.S. Commodity Futures Trading Commission (CFTC) announced that it has rescheduled the Technology Advisory Committee (TAC) public meeting to Tuesday, February 23, 2016, from 9:45 a.m. to 3:45 p.m., at CFTC's Washington, DC headquarters. Source link Tags: Strongbrook Financial with Nick Peterson If you live paycheck to paycheck, as my wife and I have many times for many years, or have ever said on a regular basis, I can never get ahead you may be addicted to poverty and not even know it. The question, Are you addicted to poverty may sound ridiculous or even harsh but it is not meant to be. Truth is, millions of people are addicted to poverty but do not realize it. These demonstrate it through their spending habits, excessive debt, and lack of financial knowledge. Much like the alcoholic or drug addict, I am sure even now, the DENIAL card is being drawn and put on the table. Phrases like, I am not an alcoholic, or rather not a poverty-holic are being expressed. Addicts are slaves to their addiction plain and simple. They live in denial. Some cannot stop the acquisition of bad debt, or the insatiable desire to spend which causes the bad debt. They know they do not have any extra to throw away but they do it anyway. After all, I have worked all week, I deserve this! The constant practice of the prodigal lifestyle puts millions everyday in utter financial despair while they blame the government and their next door neighbor for all their financial troubles. We live in a society of non-sober thinking that knows nothing about personal accountability, it appears this way anyhow. New generations of young people grow up everyday left to fend for themselves possessing less financial knowledge than the preceding generation. Back to poverty.. I went by the field of the slothful, and by the vineyard of the man void of understanding; And, lo, it was all grown over with thorns, and nettles had covered the face thereof, and the stone wall thereof was broken down. Then I saw, and considered it well: I looked upon it, and received instruction. Yet a little sleep, a little slumber, a little folding of the hands to sleep: So shall thy poverty come as one that travelleth; and thy want as an armed man. Proverbs 24:30-34 Poverty-holics say things like, I can't afford this and teach their children Money doesn't grow on trees. Meanwhile they lift no finger to educate themselves in the area needed the most, finance. So, the financial vineyard lays waste and unfruitful. In the U.S. some say, This is America, just give me my paycheck and pack of beer, I don't need to know anything about money, or accounting, or investing! Yet they struggle paycheck to paycheck as if it is the normal and right thing to do. Again I ask, Are you addicted to poverty? Some say they are Christians but are addicted to poverty and justify their poverty by using Bible scriptures to say it is okay and of God to be poor. Yet, no such scriptures exist. If the American economy is to truly change, it will come, not when Christians justify their laziness, or Congress allowing the President to spend another half trillion dollars on job creation, or by raising taxes on the rich which is a laugh, but when every poverty intoxicated American goes to FA, a.k.a Financial Anonymous, and takes accountability for their own personal economies. America needs a revival of knowledge in many different areas, especially financial. As God did for Jacob by his son Joseph's hand he can do for you.. And there will I nourish thee; for yet there are five years of famine; lest thou, and thy household, and all that thou hast, come to poverty. Genesis 45:11 There is provision and a way of escape from poverty But first, the addiction has to come to an end As some still say in this country, God Bless America Source by Joseph Young Tags: The U.S. Commodity Futures Trading Commission (CFTC) today issued a proposed amendment to a final order the CFTC issued on March 28, 2013 that exempted certain specified transactions of https://www.youtube.com/watch?v=ukmTRaXe1zs Organizations and Independent System Operators (RTO-ISO Order) from certain provisions of the Commodity Exchange Act (CEA) and CFTC regulations. Source link Tags: growth,business,wyandotte,average annual,wealth management,safe haven,brian teets,financial services,investments insurance,insurance retirement,financial planning,wealth accumulation,safe haven wealth management,investments,retirement planning... Tags: growth,business,wyandotte,average annual,wealth management,safe haven,brian teets,financial services,investments insurance,insurance retirement,financial planning,wealth accumulation,safe haven wealth management,investments,retirement planning Investment Firm Wilmington Pike The U.S. Commodity Futures Trading Commission (CFTC) announced today that CFTC Chairman Timothy Massad signed a Memorandum of Understanding (MOU) with the European Securities and Markets Authority (ESMA) regarding cooperation with respect to derivatives clearing organizations (DCOs) established in the United States that have applied or that may apply to ESMA for recognition as central counterparties (Recognized CCPs). Source link Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant... Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant |
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