Why Most Americans Are Broke - What Do You Argue For?

This is the land of the free and the home of the brave. Yes. It is. If you look around at all the complaining, whining people, letting you know in the checkout line how tough life is these days, how expensive things are, all those pastries and cookies and salsa chips, and the beer, well it breaks your heart.

And when you see some child accompanying his frazzled mother, crying out and pawing at the candy bars, insistent on having one, while the mother bears with this disrespect, placing her goods on the checkout conveyor with infinite patience, and half the store now, fidgeting while listening to the child's display...waiting for the smack...waiting for the mother to gain control of her child...

Mom isn't free. She's obviously a servant to her child. Still she lets him scream and wail and theatrically grasp at air...only air....pitiful child who can't have what he wants...

Is it any better for her husband? Can she bear another dinnertime episode hearing him complain on an on about his job, complain about his boss, complain about his coworkers, complain about customers? Who does he have a good word for? And is the pay sweet enough that he can bear a lifetime of this, and not, one day standing in front of the mirror, break down because he sees the Free and Brave MAN he could have been, had he not listened to his fears and refused to pursue his CALLING?

Did the prospect of RISK cause Ma to cajole him every time he suggested making a change in his job? Was she afraid of becoming a pauper if she let him chase his dream? Have he and she settled into the work FARCE, making just enough to get by, but not enough to LIVE?
You can't attract what you argue against.

If your life is an argument for poverty, poverty you will get.

Who argues for prosperity? Who sees failure as a 'learning event' and who has the fanatic faith in their heads that what they give away they get to keep? Who believes that what they give away, God will release to them in more and more abundance?

Well, by what principles do they organize their lives? By what eternal LAWS do they live, do they understand their motives and how to discern right and wrong action? What is the religion of a sated and broke people, who can't see the money all around, who can't call it to themselves, who REPEL IT, by making their lives arguments for poverty?

Is it that God it a pauper,,,He is stingy...and money is EVIL?

Is God short of cash? Does He hate money? If He wants you saving whales, does He get mad if you ask for the resources to DO THIS?

Would He trust this Mom in the checkout line with His resources? Would she bury them until He comes back and asks her how she invested them? What INCREASE did she earn for Him by His investment in her?

Turn this around. Write this down.

Would HE trust what YOU would do with His Resources?

Is your life an argument FOR prosperity and against POVERTY?

How can you give away what you don't own?

And if you live like a Rich Woman, a Rich Man, and if you lavish your money on those you feel called to be a blessing to, what are you embracing? Poverty or Plenty?

Cosmo Dookelo...is a freelance writer and journalist.You can learn more about the financialstate of the Free and the Brave athttp://www.mmmcarlscout.com

By Cosmo Dookelo

Instant Loans: Money at your Disposal for your Urgent Needs

For those needs which arise suddenly but require your urgent attention as their non-fulfillment can lead to other problems in the future. The basic criterion here is time. It is beneficial only if the money in received on time that the needs can be fulfilled. So in such a time of need, Instant Loans will be able to help your case.

Through instant loans, the borrowers who need money need not worry or take any hassle as the application for these loans is also very easy. The borrowers can apply through the online mode to the numerous lenders. This way they will be able to make a choice between the loan deals offered. Also, the processing of the loans and their approval is faster due to technological advancements.

Through instant loans, the borrowers who need money are able to make a choice between the secured and the unsecured form of these loans according to their needs. Secured loan option offers bigger amount of money, in the range of £5000-£75000 which has to be repaid in a term of repayment which is 5-25 years long. However, the borrower has to pledge an asset with the lender to get approval for this big an amount.

Another option available is the unsecured form of these loans. They do not require any collateral to be pledged and therefore are approved even faster as no asset checks are involved in this. Amount that is offered is £1000-£25000 for a term of repayment of 6 months to 10 years to the borrowers.

Those borrowers who have a bad credit history are also not denied a loan. They too may have needs like other borrowers who need money for debt consolidation, car purchase, travel expenses, educational funding, wedding expenses etc. online research can also yield loans at lower rates through the online mode.

Instant loans provide the borrowers with an ability to fight their cash problems easily by providing them a fair amount of assistance to simplify things for them.

Author: Ashley P Lewis

Refill your Ink Cartridges to Save Money

As the most popular printing technology, inkjet printing is making millions of people really crazy with its attractive features. People having small and home users are finding it quite helpful in their day-day-day life. Using inkjet printers can award you many qualities including versatility, inexpensiveness and producing excellent printing quality.

In recent years, the price of inkjet printers has dropped to a considerable limit but the cost of replacement ink cartridges remains extremely high.

Ink Refills

As an effective solution to this, refill kits have established their importance and worthiness in the printer market. This system has provided a new way to millions of users by empowering them to refill the cartridges on their own.

Using ink cartridges refill inks is convenient for your printer. Ink refill kits are good value for money if applied properly. Printer cartridges come with a printer head that wear out after prolonged use. Once the printer head wears out, the cartridge needs to be changed.

Online refill ink cartridgesInternet is the best way to find quality refill ink cartridges. You can browse through many websites especially dealing with providing refill cartridges. You can also contact online vendors to undertake printer cartridge refill jobs. All you need to do is to place an order and wait for your order to reach you soon. These refill vendors take bulk orders and deliver your orders next day only.

So, choose your refill kits available in most of the leading printer cartridge brands, including Hewlett Packard, Lexmark, Olivetti, BT, DELL, and Samsung and others to satisfy your needs and requirements.

However, before ordering your refill cartridges, you need to go through the drawbacks. Determining things in advance can give you an insight to know about the negative points to avert unpleasant consequences. Don't worry, though - it gets easier with practice.

Author: Editor-123

Ways to Save Money

Are you looking for simple and effective ways to save money? Look no further!

Plan Out Meals

Food can eat away at ones ability to save money, but this does not need to happen. Planning out menus in advance and sticking to them can be one of the most effective ways to save money and also has the advantage of saving time on last minute grocery runs and frantic searches for something to fix for dinner. When planning out meals it is often a good idea to plan the menu for an entire week at one time.

While doing the planning keep in mind what seasonal fruits and vegetables are available and how to incorporate the same food into several meals, for example buying a large bag of potatoes and using them for hash browns one morning, scalloped potatoes that night, and baked potatoes for lunch the next day. The whole family can be involved in this by assigning each family member a night where they get to choose the meal, and if old enough, do the cooking.

Ask About Upcoming Sales

If you find something in a store you really want, then ask the cashier if there is going to be a sale soon. Sometimes they will let you know, but if not you can ask how often they have sales and what they typically involve. Taking into account how badly you want the item, as well as how many of them are available, you can decide to hold out for a sale and check back every few days. An added benefit to doing this is that you can often avoid impulse purchases since once you are at home you may decide you really don't need that item after all.

Buy Presents Throughout The Year

Setting aside a space in a closet for storing presents throughout the year is the first step. Then keep an eye out for sales on items that would be good for gift giving. Since you still want the presents to be quality gifts, you may want to make a list of ideas for the people in your life and only purchase items on this list. Some general ideas are to look for photo frames or albums on sale, where you can insert pictures taken or prints purchased, candles and candle holders, warm fleece blankets, or family board games. Purchasing your items in advance allows you plenty of time to find sales and find the items you want without settling for something else.

Give Yourself A Gift Card

There are many ways to save money, but one of my favorite is to purchase a gift card at the locations where I do my grocery shopping and purchase fuel. I figure out how much I have to spend for the month at these locations and then purchase a gift card for that amount. Now I know that I will not spend too much money for the month on these items as long as I do not spend more than is on the gift card.

Finding ways to save money can be rewarding. Using the above tips will help to increase your savings and decrease your spending without feeling a pinch.

Author: Sarah J Holt

Austin, Texas Insurance Tips

Having to pay multiple Austin insurance companies for varying lines of coverage only consumes time and energy you need for living. It makes better sense to work with a single Austin insurance provider who can handle all of your property and casualty needs. Working with a multi-line agency offers two major advantages. First, it offers you the convenience of dealing with a single source of coverage. Secondly, it offers you possible multiple policy discounts provided your agent represents a company or companies that offer rates because you purchase two or more different types of policies from a single insurance carrier.

There are a number of things to consider in multiple areas of coverage that you can obtain from an Austin insurance agency that takes a multi-line approach to insuring one's entire lifestyle.

For example, home insurance is something every Austinite should invest in. Weather wise, it is one of the best places to live, not only in the state, but in the entire United States as well. But, because of its idyllic conditions, Austin residents are often lulled into a false sense of security about the possibility of natural disaster.

Few, if any, consider any real peril indemnity when qualifying a policy. Austin, Texas can suddenly be struck by tornadoes. The likelihood of a tornado here is equal to the state average, and it is 80% greater than the U.S. average. Austin can also be affected by affected by the occasional occurrence of violent thunderstorms that can strike-and sometimes flood-- the otherwise tranquil Hill Country with little or no warning. It is important to find an agency that can find you the best coverage for such a calamities and pinpoint potential discounts that can be generated by certain home improvements you can make.

If your home happens to lie beneath a flood plain, a service such as Texas Auto Home can help you find the best possible flood coverage for your dwelling in addition to wind/storm coverage.

The magnitude of the above perils exponentially increases for the mobile homeowner who neglects appropriate insurance. Approximately 5,000 mobile homes reside within the city limits of Austin alone. The number is even higher if we include statistics for all of Travis County.

The good news is, mobile home insurance is cheaper than ever before. Addition discounts can be created by taking a series of steps to tie down and better secure a mobile home against regional weather patterns.

Apartment dwellers and owners of condominium owners are taking a costly risk when they choose to forgo the small investment required for quality Austin renters insurance. Nearly 40,000 property-related crimes occurred in 2006, and many of these led to irrecoverable financial losses for those who were struck. Austin insurance renters policies normally cost less than 10% of the total content value covered, so for just a little investment you can protect a lot.

If you live in a condo, be sure to work with a renter's insurance agency that can write policies specifically for condominium renters. These policies extend the basic coverages of HOA and building complex policies and can protect condominium owners as well as tenants.

Businesses of any size in Austin, Texas should insure their vans, trucks, and automobiles through a qualified commercial vehicle insurance agency. The best rates are available through organizations who will take the time to systematically research and qualify a number of advantages for smaller, family-owned businesses,

Some agencies even offer specific lines of commercial coverage for general and artisan contractors.

Austin insurance agencies like TAHI also often offer a variety of special discounts targeting specific ages of drivers who exhibit safe personal driving history, good credit, academic excellence, and other mitigating factors favorable to a better individual rating.

As Austin is a college town, one is able to find in many places discounts for young drivers, sports cars, and seniors.

For Austin residents who like to hit the open road on the weekend, or for any die hard water enthusiasts who love Lake Travis year round, rates are better than ever for motorcycle, ATV, jet ski, and boat insurance for Austin residents.

It makes perfect sense, therefore, to work with an agent who can address all the many aspects of the Austin lifestyle with a wide range of options that specify key elements of dwelling, property, and personal protection.

Author: Russell Neal

Tips To Survive College

You're new to the college scene and like anything in life; you have no idea on what's going on. The best way to learn about something is to get the advice from someone that's been there and done that. Once you get that fantastic advice, you then get to understand what college is all about.

The following tips should help you out a lot when it comes to taking classes away from home or close to home. Regardless of where you're going, most colleges are the same. When we say the same, we mean the atmosphere, the style of the classrooms, etc.

Be organized with classes

If you haven't registered yet already, make sure that you don't schedule classes back to back. You'll find that the best time to study for class is between classes. The best thing to do usually is to schedule your classes about a good hour or two hours apart. Having classes too close to each other will make it harder for you to comprehend everything.

Set a schedule

Once you start your classes, you're going to have a set schedule with those classes. Chances are that those classes will never change. Outside of your classroom work, you need to set an established time where you will be studying every day. Treat studying as if it were a class as well. The more studying you're able to do, the better you're going to be in the class.

Use the resources at school

If your school has resources, which they should, you should most definitely take advantage of them. If they offer books, be sure to read them. If they offer free internet services or guest speaking seminars, etc., be sure to take advantage of everything possible. If you do this, you'll be thanking yourself later.

Network, network, and network

Like life in general, the only way you're going to get far in a career is to network with someone. No matter what you do in life, you will find that networking is the best key to anything to become successful. The same goes with networking when you're attending classes. It's always best to find someone in the class and network with them so that you can have a studying partner. A studying partner is always good because you can both share what you do and don't know about the class.

Eat healthy

You're probably reading this one and thinking to yourself, "Why do I have to eat healthy?" If you don't know by now, a well balanced diet gives you energy. If you have energy, this will be great for your study portions of your day. Without energy, you will not be motivated to study for class. Try to stay away from the fatty foods and junk food.

These are just a few of the million of tips that come to surviving college. The main focus point should be your classroom work and studying. If you can accomplish both of these throughout your college career, you'll be on the right path to a solid career.

Author: Tom Tessin

The Best Low Cost Health Insurance Tips

When you're shopping around for the best low cost health insurance, you want the lowest cost per year that will fit into your budget of course. It's certainly an eye-opener and choosing just the right health insurance company can be a difficult decision, but they key is to get as informed as you can possibly be.

The textbook definition of health insurance is the coverage of medical claims for an individual, against the medical costs. All types of insurance are always a gamble, that is - you as the insured gambling that you'll take out more than you are paying in and your health insurance company gambling they will pay out less.

Some statistics: the death rate in any given year for a person without health insurance is twenty-five per cent higher than for someone who has it. People with pneumonia who don't have it are less likely to receive X-rays or consultations.

There are many types of plans available today in the US. You can get low cost insurance if you know where and how to find it no matter what your budget.

The fact is that the older you get the more important your policy may become. This isn't to say that you shouldn't be concerned when you're younger. The companies today have to be competitive because they know it's quick and easy for you to compare them with other companies online. One good way to lower your cost is to delete any coverage that you don't need or you'll not likely to need such as maternity coverage.

Buying insurance online is one good way to save yourself some money because the saves money when they don't have to pay an agent a commission- this could amount to as much as 8% to 13% savings. The best way to get free quotes is to go online. Your local on-site agents may only be able to offer what they have in front of them and not be able to offer you what's best for you financially and health-wise. And they can only quote from the one or more companies they represent.

You want to avoid having to face a $100,000 or more open heart surgery without any coverage. One of the most important things to remember is realizing that the main purpose of any policy is to protect you from experiencing a major financial loss, not to protect you from spending small amounts of money on visits to clinics.

Many other countries in the industrialized world insure all of its citizens. And despite those extra hundreds of billions of dollars we spend each year, we have forty-five million people without any insurance.

In case your doctor decides that something is a medical necessity and it's not covered under your current policy, the company may exercise its discretion in paying for it, but don't hold your breath too long.

One nice advantage of buying health insurance online is you can change your coverage, deductibles, or payment options with a couple of clicks of the mouse rather than going through the paperwork delay with a local agent. But, most importantly, you want a company that has an established good track record for paying without fighting you on every little medical detail.

Cheap or lower cost coverage doesn't mean lower quality necessarily, but the price may be more of a factor to some people than the quality of the health plan. For anyone without any pre-existing conditions or other complicating factors, a simple plan with a high deductible may be the best approach. Finding a good low cost policy doesn't simply mean looking for the lowest premium but it means also fully understanding all of the costs that will be involved.

And remember that all states in the US offer no cost or low cost health insurance to uninsured children if you need it. Another good way to find it is to ask your doctor for suggestions. In any event get informed as fast as you can. Get free online insurance quotes and compare, compare, and compare costs and coverage and you'll find the best deal for you.

Author: Helen Hecker

Time Is Money - Save Yours!

The historical business adage, time is money, still holds incredibly true in business today. Especially in the financial industry, every single ticking market minute counts towards profits or losses for bankers, financial planners, and brokers. Therefore, each minute must be optimized to ensure that the highest levels of productivity and profitability are met.

When the starting bell opens for the stock market, the trading minute-by-minute frenzy begins, and that in itself is a very stressful time period. However, in addition to these pressures, for many of the members of the financial industry, they must handle hundreds of transactions a day and manage relations with dozens of customers. When phone calls start flying in, combined with the ticking pressures of the equities markets, it is critical to have a management tool to organize all communication details. When your clients' monies are at stake, no detail can be overlooked, and contact manager software can help you ensure you meet all of your clients' needs.

Contact manager software is an excellent mechanism that will save you a tremendous amount of time, and thus, money. Instead of having to manage clients' call details on jots in notebooks and ledgers, you can rapidly and instantly record the conversation's details in contact manager software. When the market permits, all of the information you need to access will be readily available at your fingertips. You spend less time managing your communication administration and retrieving details from your memories and notepads, but instead have more time to develop profitable market strategies that will yield returns for both your client and yourself. Buy and sell details, risk tolerances, margins, quantities, and client requests from your phone conversations are easily pulled up and reviewed through a contact manager software.

In addition, if you notice specific changes in the market for a client's portfolio that are beyond their risk parameters, you can utilize contact software to quickly contact them, and all of their pertinent information will be on your screen. Time is absolutely money in the financial industry, and each minute in the ticking market counts for profit or loss. The simple investment into a contact manager software can quickly increase your efficiency, thus saving you time and increasing your profit per hour. You will effectively manage your client relations with contact manager software, thus leaving you with more time ensure that their portfolios and your fees generate lucrative returns.

Check Contact Manager Software for a reliable CM Solution.

By Jan Zands