Ever seem like there is never enough time to get it all done? If you answer no, then you need to reassess yourself and see if you can be challenged. For the rest of us who have likely answered yes, I am blogging about this very topic now in lieu of new year's resolutions to do better.
Upon reading this interesting article about livinging intentionally, I love how the author asks you to review your seven areas, i e the wheel of life. Now Zig Ziglar is wonderful at descibing his concept. I admit that I grabbed a piece of scrap paper and pen (the old fashioned way) to draw it. If you have a tablet or ipad, just open a blank screen and use a wand to create your pie. I wrote out each one....Career, Financial, Spiritual, Physical, Intellectual, Family and Social. Soon I was filling it in. Some were easy and some others I was feeling anxious. Interesting.
At any point in our life, we are right where God needs us to be. Yet, as I completed my wheel of life, I couldn't help but feel regret, pride, happiness, peace, anxiety, doubt and joy all in a single time period. After all, it's my life. Perhaps you may encounter mixed emotions upon writing it all out.
It's easy to feel anxious about the future. It's easy to feel worry about the present. It's easy to be happy and sad about past decisions. It's time to set aside these emotions and determine a new way.
This is exactly how God wants us to come to Him and make us new in Him. To shed the old and take on the new. It is mixed emotions at it best, and yet once done, you feel the best ever.
Meanwhile, how will you deal with certain demands? how will you deal with the "off days"? how will you know what to do and what not to do? how will you know to manage your time wisely? God knows. God will see you through this day whether you walk beside Him or He carries you. God's will will be done.
by Stephanie S Arredondo (c) 2013
Financial perspective on modern life in America from a military spouse's perspective Disclaimer: This web site page is the opinion of the person writing it, and any financial decisions made as a result does not make the writer liable for any action taken. Please consult your personal financial advisor for more information.
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Thursday, January 31, 2013
Wednesday, January 16, 2013
Financial tip the old fashion way
Most folks keen on cutting expenses and trying to do more with less funds find themselves working hard only to save a few cents here and there. It's a struggle to find a way to earn money and then find out that it costs more than before for that one item. Even in 2013 as we embark on higher taxes and higher prices while incomes are less than before makes for a gloomy season financially. Perhaps it's wise to shift the perspective from the gloom and doom (or rather the black and red) to the liquid sunshine (or the glass is half full approach).
Do more with less.
It can't be that simple. I find that when I don't go out of the house and stay away from stores, I spend a lot less. It's a means of self-preservation where I stay away from the store or influence to take my money. These days, I am learning about delayed gratification. For example, I need to fill my gas tank up with gasoline but I can wait a few more days until I need to refill it.
Staying away from the stores where you are nothing but ATTACKED by everything in it's path to get you to spend more money than you had originally intended.
Those promotional coupons, it is nice to save $1 but I ended up spending an extra $5 because after all I saved $1. The concept of saving xyz on the final bill versus how much did I acutally spend is the difference you need to make in your financial behavior pattern.
While these ideas seem too simple, not sophisticated and redundant, it is wise to guard your billfold, don't be bullied into saving because it's a great deal or coupon, and reconsider the old-fashioned way of doing things. It may be less technology, less gratification and less socialization, but the reward is far greater when you can remain on track with your budget and feel financial peace. That's a great financial tip.
(c) 2013 Alfa Sugar
Do more with less.
It can't be that simple. I find that when I don't go out of the house and stay away from stores, I spend a lot less. It's a means of self-preservation where I stay away from the store or influence to take my money. These days, I am learning about delayed gratification. For example, I need to fill my gas tank up with gasoline but I can wait a few more days until I need to refill it.
Staying away from the stores where you are nothing but ATTACKED by everything in it's path to get you to spend more money than you had originally intended.
Those promotional coupons, it is nice to save $1 but I ended up spending an extra $5 because after all I saved $1. The concept of saving xyz on the final bill versus how much did I acutally spend is the difference you need to make in your financial behavior pattern.
While these ideas seem too simple, not sophisticated and redundant, it is wise to guard your billfold, don't be bullied into saving because it's a great deal or coupon, and reconsider the old-fashioned way of doing things. It may be less technology, less gratification and less socialization, but the reward is far greater when you can remain on track with your budget and feel financial peace. That's a great financial tip.
(c) 2013 Alfa Sugar
Tuesday, January 15, 2013
Happy New Year!
Welcome 2013!
While it may be a time to say out with the old and in with the new, the neat thing is that there's lots of choices and things to do, both old and new.
It's fun to find out about new activities or books to read or social activities to do in addition to the regular day to day duties. In many ways, it ends up overwhelming any normal person because there are soooo many choices. Take the grocery store for example. Okay I need to buy peanut butter but there are 20 varieties on the shelf so which is the one best matching what I need. By the time I narrow down the selection, it's taken me several minutes that fly by fast but are much more grueling when my children are there. Then it's off to the next item and another round of too many choices. If people think it is easier to shop at the grocery store these days, it's challenging because of all the choices you must make. I am liking the order your groceries online and drive over to pick them up. It's $5 and that's well worth my time.
That's my point. There are too many choices that are taking too much time. There are too many things to do that are taking too much time. Your time is precious and is increasingly becoming more precious as every business and thing out there tries to get it. Do you understand how you are becoming overwhelmed?
There are the old ways of doing things. There are the new ways of doing things (along with the learning curve). What's overwhelming you today?
For the New Year, perhaps a new year resolution is to be less overwhelmed and more pragmatic with where you spend your time.
Instead of spending time on the phone talking, why not read that one book your child is begging you to read because he wants your attention? Instead of spending hours at the stores, why not sit down with a friend for a cup of coffee and fellowship? Instead of fretting over coupons and saving nickels and dimes, why not go to the one grocery store where you know prices are already low enough? Sometimes giving a little can mean a big benefit in lifestyle choice, time and the things that money can't buy.
In Ephesians 4:1, it states for you to "live a life worthy of the calling you have received." Where you are right now is right where God needs you to be. For those times when you get overwhelmed, it is a good time to keep in mind this financial perspective.
(c) 2013 Stephanie S. Arredondo Alfa Sugar
While it may be a time to say out with the old and in with the new, the neat thing is that there's lots of choices and things to do, both old and new.
It's fun to find out about new activities or books to read or social activities to do in addition to the regular day to day duties. In many ways, it ends up overwhelming any normal person because there are soooo many choices. Take the grocery store for example. Okay I need to buy peanut butter but there are 20 varieties on the shelf so which is the one best matching what I need. By the time I narrow down the selection, it's taken me several minutes that fly by fast but are much more grueling when my children are there. Then it's off to the next item and another round of too many choices. If people think it is easier to shop at the grocery store these days, it's challenging because of all the choices you must make. I am liking the order your groceries online and drive over to pick them up. It's $5 and that's well worth my time.
That's my point. There are too many choices that are taking too much time. There are too many things to do that are taking too much time. Your time is precious and is increasingly becoming more precious as every business and thing out there tries to get it. Do you understand how you are becoming overwhelmed?
There are the old ways of doing things. There are the new ways of doing things (along with the learning curve). What's overwhelming you today?
For the New Year, perhaps a new year resolution is to be less overwhelmed and more pragmatic with where you spend your time.
Instead of spending time on the phone talking, why not read that one book your child is begging you to read because he wants your attention? Instead of spending hours at the stores, why not sit down with a friend for a cup of coffee and fellowship? Instead of fretting over coupons and saving nickels and dimes, why not go to the one grocery store where you know prices are already low enough? Sometimes giving a little can mean a big benefit in lifestyle choice, time and the things that money can't buy.
In Ephesians 4:1, it states for you to "live a life worthy of the calling you have received." Where you are right now is right where God needs you to be. For those times when you get overwhelmed, it is a good time to keep in mind this financial perspective.
(c) 2013 Stephanie S. Arredondo Alfa Sugar
Wednesday, November 28, 2012
Hobby Lobby Stores Face ObamaCare
A Letter from Hobby Lobby Stores CEO
By David Green, the
founder and CEO of Hobby Lobby Stores, Inc.
When my family and I started our company 40 years ago, we were working out of a garage on a $600 bank loan, assembling miniature picture frames. Our first retail store wasn't much bigger than most people's living rooms, but we had faith that we would succeed if we lived and worked according to God's word. From there,Hobby Lobby has become one of the nation's largest arts and crafts retailers, with more than 500 locations in 41 states. Our children grew up into fine business leaders, and today we run Hobby Lobby together, as a family.
We're Christians, and we run our business on Christian principles. I've always said that the first two goals of our business are (1) to run our business in harmony with God's laws, and (2) to focus on people more than money. And that's what we've tried to do. We close early so our employees can see their families at night. We keep our stores closed on Sundays, one of the week's biggest shopping days, so that our workers and their families can enjoy a day of rest. We believe that it is by God's grace that Hobby Lobby has endured, and he has blessed us and our employees. We've not only added jobs in a weak economy, we've raised wages for the past four years in a row. Our full-time employees start at 80% above minimum wage.
But now, our government threatens to change all of that. A new government health care mandate says that our family business MUST provide what I believe are abortion-causing drugs as part of our health insurance. Being Christians, we don't pay for drugs that might cause abortions, which means that we don't cover emergency contraception, the morning-after pill or the week-after pill. We believe doing so might end a life after the moment of conception, something that is contrary to our most important beliefs. It goes against the Biblical principles on which we have run this company since day one. If we refuse to comply, we could face $1.3 million PER DAY in government fines.
Our government threatens to fine job creators in a bad economy. Our government threatens to fine a company that's raised wages four years running. Our government threatens to fine a family for running its business according to its beliefs. It's not right. I know people will say we ought to follow the rules; that it's the same for everybody. But that's not true. The government has exempted thousands of companies from this mandate, for reasons of convenience or cost. But it won't exempt them for reasons of religious belief.
So, Hobby Lobby � and my family � are forced to make a choice. With great reluctance, we filed a lawsuit today, represented by the Becket Fund for Religious Liberty, asking a federal court to stop this mandate before it hurts our business. We don't like to go running into court, but we no longer have a choice. We believe people are more important than the bottom line and that honoring God is more important than turning a profit.
My family has lived the American dream. We want to continue growing our company and providing great jobs for thousands of employees, but the government is going to make that much more difficult. The government is forcing us to choose between following our faith and following the law. I say that's a choice no American � and no American business � should have to make.
The government cannot force you to follow laws that go against your fundamental religious belief. They have exempted thousands of companies but will not except Christian organizations including the Catholic church.
Since you will not see this covered in any of the liberal media, pass this on to all your contacts.
Sincerely,
David Green, CEO and Founder of Hobby Lobby
Stores, Inc.
Monday, November 26, 2012
Alfa Sugar Update
Since July 2012, I've taken a leave of absence from blogging. It's been a roller coaster ride of sorts with life happening on the homefront. I appreciate readership for it's at 5000 hits since this blog started over a year ago. Come January 2013, I will review and revise the plan for this blog. The hope is to generate a profitable return of sorts. Thank you for your support.
P.S. below is a link to my latest article on Wives of Faith
Finding Contentment in your Life
P.S. below is a link to my latest article on Wives of Faith
Finding Contentment in your Life
Tuesday, July 3, 2012
A Nation Under God
We are a nation under God that has a history of strife. Wars, explorers, & conflict between natives and settlers comprised much of our early history. In 1776, we as a nation dealt with oppression of taxes from England. Our founding fathers stood up and were willing to die so that they and their families would be free, free from oppression, free from taxes and free to practice their religious beliefs.
According to many, there is validity to this historical issue today. We are a nation still dealing with strife. We still lack. We are taxed. We are oppressed. We are under attack for our religion. Is history repeating itself?
Whether it's 1776 or 2012, we as a nation need to return to our founding principles. Religion needs to be reinstated, and people need to rise and be a nation of propigators of the gospel. Freedom is desired due to these yearnings and lackings that folks experience day to day. We are a pro-capitalism country full of hope and promise. It's a great nation full of prosperity and opportunity. Why is it that so many people in the world STILL desire to come to America?
It's not a matter of money even though money, profitmaking or revenue communicate the true nature of human behavior. It's a matter of character and the things that money can't buy. This Fourth of July as we see the fierce fires in Colorado and the west, we see the storms and flooding in Florida, we see 100 degree heat throughout the USA causing water shortages, and we see many folks without power dealing with extreme drought conditions, we need to awaken to our woes of lacking and yearning and realize that there is the One that can only give satisfacation and fullfillment. God bless America.
"Teach us to number our days aright, that we may gain a heart of wisdom....Satisfy us...that we may sing for joy and be glad all our days." Psalm 90:12-14 (NIV)
According to many, there is validity to this historical issue today. We are a nation still dealing with strife. We still lack. We are taxed. We are oppressed. We are under attack for our religion. Is history repeating itself?
Whether it's 1776 or 2012, we as a nation need to return to our founding principles. Religion needs to be reinstated, and people need to rise and be a nation of propigators of the gospel. Freedom is desired due to these yearnings and lackings that folks experience day to day. We are a pro-capitalism country full of hope and promise. It's a great nation full of prosperity and opportunity. Why is it that so many people in the world STILL desire to come to America?
It's not a matter of money even though money, profitmaking or revenue communicate the true nature of human behavior. It's a matter of character and the things that money can't buy. This Fourth of July as we see the fierce fires in Colorado and the west, we see the storms and flooding in Florida, we see 100 degree heat throughout the USA causing water shortages, and we see many folks without power dealing with extreme drought conditions, we need to awaken to our woes of lacking and yearning and realize that there is the One that can only give satisfacation and fullfillment. God bless America.
"Teach us to number our days aright, that we may gain a heart of wisdom....Satisfy us...that we may sing for joy and be glad all our days." Psalm 90:12-14 (NIV)
Wednesday, June 27, 2012
Battling Bare
In the recent article, Military Wives Strip Down to Raise Awareness about PTSD, it's a testament to what the military wives and families deal with regarding PTSD or post-traumatic stress syndrome. It is an important issue that is hindering military from getting jobs in the private sector once they discharge from the military.
At Battling Bare, a new nonprofit organization, these ladies are encouraging others to support their husbands battling PTSD. By writing the motto below on their bare back and taking a picture of it to post online, it is hoped that this attention-getting device will raise awareness to a grave situation that our military servicemembers are dealing with.
Broken by battle…
Wounded by war…
My love is FOREVER–to you this I SWORE.
I WILL:
Quiet your silent screams…
Help heal your shattered soul…
Until once again, my love…
YOU ARE WHOLE!
Battle bare.
It takes courage to reach for help only to have it thrown back in your face. Counselors and even church ministers misunderstand the issue at hand, and that leads to wrongful and hurtful diagnosis of the problem. It takes a strong military wife to weather the storm with her husband, and this Battling Bare motto is a great morale boost to those raising attention to a very delicate situation that our society and military desire to sweep under the carpet.
You DON'T throw away this marriage as many would encourage divorce and leaving the person. You DO work through the difficult situation and start another life after the military experience. It's a one day at a time challenge where you focus on the positives and forgive for those who do you wrong. (and it's okay if it takes a long time to forgive but it is key to learn to forgive and move on with your wonderful life).
Another article in the The Leaf Chronicle
Tuesday, June 26, 2012
2Q2012 Results for Alfa Sugar
We are now at 3,974 hits since Alfa Sugar went live over a year ago.
Our international audience is large and include USA, Sweden, Russia, United Kingdom, Germany, India, France, Canada, Romania, Latvia and other countries of the world.
Our top articles for this past quarter include:
160+ stores offering military discounts
Bird Picture for Wives of Faith Blog Carnival
Hurray for our Heroes
Out with the Old and In with the New
Of note, my article Bird Picture for Wives of Faith Blog Carnival won a prize in the contest. Thank you Wives of Faith and Chelesea S. of Thirty One for the pretty little organizer bag. It's used a lot at my church so I felt right in vogue using it for Vacation Bible School this summer.
This past quarter was a first for getting comments and likes.
Thank you for your support of Alfa Sugar.
Our international audience is large and include USA, Sweden, Russia, United Kingdom, Germany, India, France, Canada, Romania, Latvia and other countries of the world.
Our top articles for this past quarter include:
160+ stores offering military discounts
Bird Picture for Wives of Faith Blog Carnival
Hurray for our Heroes
Out with the Old and In with the New
Of note, my article Bird Picture for Wives of Faith Blog Carnival won a prize in the contest. Thank you Wives of Faith and Chelesea S. of Thirty One for the pretty little organizer bag. It's used a lot at my church so I felt right in vogue using it for Vacation Bible School this summer.
This past quarter was a first for getting comments and likes.
Thank you for your support of Alfa Sugar.
Retirement Considerations to achieve contentment
Per a professional financial consultant on a morning tv show, it is estimated that Americans will have to reduce their current standard of living by 60% when they retire. This is an astounding number given current financial issues.
It is estimated that Social Security will see more outflow rather than inflow occur in 2013.
Today's market is reluctant to hire people age 60 and older because of age and health matters. Even if the older worker is more reliable and knowledgeable, many employers opt to hire other candidates. The Elder Law is in place but it is difficult to prove especially in right to work states.
For those nearing retirement or in retirement, it is a mixture of concern and fear about future living conditions.
For military, it is certainly concerning. Before retirement, it is important to determine what location is best and closest to your last station. Cost of living in the local community along with any military benefits as a retiree is an added plus. Of course, it is best to review your financial statements with and without Social Security. The more you plan and research, the better you and your spouse will enjoy retirement years.
Most retirees understand that they are on fixed incomes and can't go and do like what they used to do. Scaling back from a lifestyle that was fun and fulfilling is never easy. What matters most is finding contentment with where you are in your present day living.
some considerations....
relocate to a retirement community that's more affordable for your budget
develop friendships with 55+ groups at local Ys, senior centers or other groups
take up a new hobby such as bridge, walking, or other activity that exercises your mind and body
attend church and learn more about the Bible
mentor the younger generation albeit a younger couple in their 30/40s
participate in events such as Vacation Bible Schools where there are all age groups represented
eat out at local restaurants who offer senior discounts
seek free deals
shop on senior discount days (this is not available in all states so take advantage of it if you can)
care for a pet through foster care (that way you don't pay the vet bills and can provide a loving home)
volunteer at your local library, church, school or other worthy nonprofits
manage your time wisely for retirement years
do babysit or provide childcare for grandchildren
do potlucks
learn e-mail or skype or a new technology that bridges the gap between you and the younger generation
research who offers military retirees discounts
book hotel rooms through venues that are on bases as you travel in the country
share a ride when driving across country with fellow retirees
participate in church group bus trips
smile
look at the sky
feel the rain
life is beautiful
There are many other ways to enjoy retirement years so please add more suggestions
It is estimated that Social Security will see more outflow rather than inflow occur in 2013.
Today's market is reluctant to hire people age 60 and older because of age and health matters. Even if the older worker is more reliable and knowledgeable, many employers opt to hire other candidates. The Elder Law is in place but it is difficult to prove especially in right to work states.
For those nearing retirement or in retirement, it is a mixture of concern and fear about future living conditions.
For military, it is certainly concerning. Before retirement, it is important to determine what location is best and closest to your last station. Cost of living in the local community along with any military benefits as a retiree is an added plus. Of course, it is best to review your financial statements with and without Social Security. The more you plan and research, the better you and your spouse will enjoy retirement years.
Most retirees understand that they are on fixed incomes and can't go and do like what they used to do. Scaling back from a lifestyle that was fun and fulfilling is never easy. What matters most is finding contentment with where you are in your present day living.
some considerations....
relocate to a retirement community that's more affordable for your budget
develop friendships with 55+ groups at local Ys, senior centers or other groups
take up a new hobby such as bridge, walking, or other activity that exercises your mind and body
attend church and learn more about the Bible
mentor the younger generation albeit a younger couple in their 30/40s
participate in events such as Vacation Bible Schools where there are all age groups represented
eat out at local restaurants who offer senior discounts
seek free deals
shop on senior discount days (this is not available in all states so take advantage of it if you can)
care for a pet through foster care (that way you don't pay the vet bills and can provide a loving home)
volunteer at your local library, church, school or other worthy nonprofits
manage your time wisely for retirement years
do babysit or provide childcare for grandchildren
do potlucks
learn e-mail or skype or a new technology that bridges the gap between you and the younger generation
research who offers military retirees discounts
book hotel rooms through venues that are on bases as you travel in the country
share a ride when driving across country with fellow retirees
participate in church group bus trips
smile
look at the sky
feel the rain
life is beautiful
There are many other ways to enjoy retirement years so please add more suggestions
Sunday, June 24, 2012
Money Issue
As money goes more digital, a debate is arising as to the benefits of cash or the greenback. This morning on the CBS Sunday Morning show, such a report reviewed the drawbacks of the greenback and how going digital is wonderful. Here is the link The Money Issue. Yes, handling the greenback is hazardous to your health as it is with other countries currencies.
What the report neglected to address is a couple of the following:
1) high finance charges for the card swipes...for example, Paypal charges a certain percentage. When you pay $8, then the person receiving payment has to pay taxes and employment insurance costs AND now another fee called the finance charge. It squeezes small business net profits in an economy that is struggling as it is.
2) there is less accountability for impulse spending. When you spend cold, hard cash, it's harder to release it rather than the digital component. McDonald's conducted a study whereby it was affirmed that people bought more fast food products when using a credit/debit card rather than cash.
3) there are many workers who benefit from cash payments such as babysitters, servers, valet parkers etc... There may be a drawback to criminal activity using cash transactions but when the power goes out and many people do not pay for a smartphone, why punish good hardworking people by doing away with cash? It's not a negative to pay for things in cash. It's cool.
4) Educators in schools use the greenback and coins (play money) in the classroom to teach children about money. To do away with the adult population using currency because it is likely to go digital is a challenge to teach future generations about the value of money and how to properly manage their finances. The reintroduction of personal finance in schools is necessary to train up this generation so that we as a nation don't deal with debt or overspending issues as our present generation is doing.
Not mentioned is the increase in bartering between two parties where there is an exchange of goods and services for goods and services, not cash or payment with money.
For the New York reporter who filed this news report, he should have reviewed these aspects in his report rather than allow technology to sweep him off his feet. He should go to rural America outside the NorthEastern part of this country for a true understanding of average Americans. He should also travel to various parts of the world with other military personnel see how American military families deal with international spending issues. I believe that he will revise some things in his report if he conducts further research. No offense sir but I believe that you did a decent job raising awareness and missed a few key points.
Staying with cash and the greenback will benefit this country, not the government. There are other ways for government to reduce spending and one way is to NOT adjust and do away with the greenback or coins.
This financial perspective is to elevate more understanding about the classic issue of bartering or exchange of goods and services as well as to bring light to the money issue present day.
by Stephanie Arredondo (c) 2012
(I wrote this article quickly with children playing the background, phone ringing and other household activity that can easily distract the writer because that's how important this financial perspective is)
What the report neglected to address is a couple of the following:
1) high finance charges for the card swipes...for example, Paypal charges a certain percentage. When you pay $8, then the person receiving payment has to pay taxes and employment insurance costs AND now another fee called the finance charge. It squeezes small business net profits in an economy that is struggling as it is.
2) there is less accountability for impulse spending. When you spend cold, hard cash, it's harder to release it rather than the digital component. McDonald's conducted a study whereby it was affirmed that people bought more fast food products when using a credit/debit card rather than cash.
3) there are many workers who benefit from cash payments such as babysitters, servers, valet parkers etc... There may be a drawback to criminal activity using cash transactions but when the power goes out and many people do not pay for a smartphone, why punish good hardworking people by doing away with cash? It's not a negative to pay for things in cash. It's cool.
4) Educators in schools use the greenback and coins (play money) in the classroom to teach children about money. To do away with the adult population using currency because it is likely to go digital is a challenge to teach future generations about the value of money and how to properly manage their finances. The reintroduction of personal finance in schools is necessary to train up this generation so that we as a nation don't deal with debt or overspending issues as our present generation is doing.
Not mentioned is the increase in bartering between two parties where there is an exchange of goods and services for goods and services, not cash or payment with money.
For the New York reporter who filed this news report, he should have reviewed these aspects in his report rather than allow technology to sweep him off his feet. He should go to rural America outside the NorthEastern part of this country for a true understanding of average Americans. He should also travel to various parts of the world with other military personnel see how American military families deal with international spending issues. I believe that he will revise some things in his report if he conducts further research. No offense sir but I believe that you did a decent job raising awareness and missed a few key points.
Staying with cash and the greenback will benefit this country, not the government. There are other ways for government to reduce spending and one way is to NOT adjust and do away with the greenback or coins.
This financial perspective is to elevate more understanding about the classic issue of bartering or exchange of goods and services as well as to bring light to the money issue present day.
by Stephanie Arredondo (c) 2012
(I wrote this article quickly with children playing the background, phone ringing and other household activity that can easily distract the writer because that's how important this financial perspective is)
Tuesday, June 19, 2012
Financial Struggles
Interesting news report out on gloom and doom for many folks. I believe that this is true for those who are living beyond their means. There is no question that inflationary influences are kicking in on food prices as well as basic materials as global demand is rising for these items. For military families, it is wise to learn to cook, budget and reduce spending as commissary prices though decent will take a big bite out of military household budgets.
Working Americans struggle to stay on top of things. With median hourly wages lower in 2011 than 10 years earlier, many are finding that their salaries can't keep up with expenses, especially for those whose hours have been cut as well. The NYT collects anecdotal evidence of how Americans are suffering, whether it's those that want to work longer hours, or those that can't find jobs related to their degrees.
Working Americans struggle to stay on top of things. With median hourly wages lower in 2011 than 10 years earlier, many are finding that their salaries can't keep up with expenses, especially for those whose hours have been cut as well. The NYT collects anecdotal evidence of how Americans are suffering, whether it's those that want to work longer hours, or those that can't find jobs related to their degrees.
Tuesday, June 12, 2012
Lower than anticipated family net worths
If you read the news release below from seeking alpha, it affirms the current day to day struggles that many American families are dealing with. It's also been an opportunistic time for foreign investors.
Net worth of U.S. family plummets. The net worth of the American family plunged 39% from 2007-2010 to $77,300, the lowest since 1992 as the financial crisis destroyed 18 years of gains. Leading the decline was a 42.3% dive in the average equity in Americans' homes. "What you see is an economy that’s really very, very stressed for the bottom 60%-70%,” Streettalk's Lance Roberts tells Bloomberg.
Net worth of U.S. family plummets. The net worth of the American family plunged 39% from 2007-2010 to $77,300, the lowest since 1992 as the financial crisis destroyed 18 years of gains. Leading the decline was a 42.3% dive in the average equity in Americans' homes. "What you see is an economy that’s really very, very stressed for the bottom 60%-70%,” Streettalk's Lance Roberts tells Bloomberg.
Friday, June 1, 2012
SUMMER & SAFETY REMINDERS
Pools are open. School is out. Summertime is here. Now it's time for summertime safety reminders.
Public health is an issue at pools, especially public pools. This yahoo article raises alerts about people urinating in pools and about bateria issues. Survey Public Pools like toilet bowels While everyone certanly knows to use the facilities, perhaps it's a reminder that our society needs to do better in personal hygiene.
With school out, children are playing and up to mischief with no parents around. Police are notifying neighborhood watch groups about an increase in teens and criminal activity. It is wise to have your child into healthy activities. Children look for adults to supervise and discipline even though they whine and complain.
Door to door salespeople are at it as well as traveling gypsies and other potential burglars. Awareness of who is in your neighborhood and setting your alarm system is a good way to prevent crime. Dogs barking is something to not ignore.
Preventive measures are so important for you to enjoy your summer and reduce unnecessary financial obligations.
Public health is an issue at pools, especially public pools. This yahoo article raises alerts about people urinating in pools and about bateria issues. Survey Public Pools like toilet bowels While everyone certanly knows to use the facilities, perhaps it's a reminder that our society needs to do better in personal hygiene.
With school out, children are playing and up to mischief with no parents around. Police are notifying neighborhood watch groups about an increase in teens and criminal activity. It is wise to have your child into healthy activities. Children look for adults to supervise and discipline even though they whine and complain.
Door to door salespeople are at it as well as traveling gypsies and other potential burglars. Awareness of who is in your neighborhood and setting your alarm system is a good way to prevent crime. Dogs barking is something to not ignore.
Preventive measures are so important for you to enjoy your summer and reduce unnecessary financial obligations.
Wednesday, May 16, 2012
U.S. CFOs Outlook - An Interesting Big Picture
U.S. CFOs are expecting a 20 percent increase in their net earnings,compared with 13 percent last quarter.
Despite their climbing optimism, CFOs on average continue to believe that that the unemployment rates will remain at high levels for the next six to 12 months.
Source: CFO Quarterly Outlook May 2012
Improvements are occurring in the U.S. economy despite lackluster politicals. Perhaps a rally in U.S. stocks may help raise sentiments positively going into summertime. I believe that Valueline Survey's estimate that GDP growth will hover around 2.0-2.5% is a fair range; however, it is concerning how events in Europe will unfold and affect market psychology. Having commented here, I believe that investors remain smart about what instruments to invest in to achieve investment strategy and portfolio management goals. For now, CFOs are tweeking numbers here and there.
The real question is who is sacrificing quality to meet bottom line expectations. Also, there are U.S. corporations carrying a lot of cash on their books so opinion is strong that acquisitions may be in the pipeline.
Until corporations can finalize their tweeking, unemployment may remain high going to year end. As a rule, January is a great time to interview and get hired because of corporate budgets.
Tuesday, May 15, 2012
Bless Me in Financial Abundance
Many prayer requests these days are financial bondage ones where folks are eager to be debt-free, to have financial means to obtain 1) a nice place to live or 2) a means of transportation or 3) a way to ease the discomfort stemming from day to day living, and to cry aloud in a way possible in this modern society. Upon reading several online prayer requests, I feel my heart go out to these folks as many of us are familiar with financial limitations.
Today is a challenging time where once given items are not free. For example, at the fast food restaurants, I have to ask for ketchup for my order or get a fork to eat my salad. The canned fruit aisle has certainly changed. Pears used be in a 16 oz can for $1.29 and now are in a smaller 11oz can for $1.89. There are more empty stores than before. The auto service repair folks are outside flagging people to come in the door for immediate service. Checkout lines are longer because fewer people are employed to work the cash register. At a local preschool, the director omitted a classroom and two teacher salaries to remain on budget because enrollment is low.
Psalm 67 states "May God be gracious to us and bless us and make his face shine upon us, that your ways may be known on earth, your salvation among all nations."
Perhaps our financial challenging times are upon us to get our attention and reprioritize it on the One who can give comfort and financial peace.
If you are a military member or spouse and are in need of financial assistance, there are programs available but usually these are for the ones who have deployed or are currently deployed. Veterans have some other programs to reference. At a time when the military is reshuffling its pool of people, it is important to contact every possible resource, organization or network rather than sit on the couch, play on the computer and/or text all the time. Engaging in traditional old-fashioned social networking is a magical endeavor that you will benefit from in the long run.
Today is a challenging time where once given items are not free. For example, at the fast food restaurants, I have to ask for ketchup for my order or get a fork to eat my salad. The canned fruit aisle has certainly changed. Pears used be in a 16 oz can for $1.29 and now are in a smaller 11oz can for $1.89. There are more empty stores than before. The auto service repair folks are outside flagging people to come in the door for immediate service. Checkout lines are longer because fewer people are employed to work the cash register. At a local preschool, the director omitted a classroom and two teacher salaries to remain on budget because enrollment is low.
Psalm 67 states "May God be gracious to us and bless us and make his face shine upon us, that your ways may be known on earth, your salvation among all nations."
Perhaps our financial challenging times are upon us to get our attention and reprioritize it on the One who can give comfort and financial peace.
If you are a military member or spouse and are in need of financial assistance, there are programs available but usually these are for the ones who have deployed or are currently deployed. Veterans have some other programs to reference. At a time when the military is reshuffling its pool of people, it is important to contact every possible resource, organization or network rather than sit on the couch, play on the computer and/or text all the time. Engaging in traditional old-fashioned social networking is a magical endeavor that you will benefit from in the long run.
Monday, May 14, 2012
National Guard 101: A Handbooks for Spouses
Mary Corbett has written a book titled National Guard 101: A Handbook for Spouses. Her web site page is www.marycorbett.com. I highly recommend this book to fellow military spouses trying to learn about the Guard and what it is all about.
Friday, May 11, 2012
Hurray for Our Heros
Final Question for the Wives of Faith Blog Carnival
Why do I love being a military
spouse when it is not exactly the life that I wanted to choose for
myself? I love the higher calling of loving my husband who serves his
country because at the end of the day when all else is done, he comes home, not
to a house but a home full of joy, encouragement and grace. It is an
honor to love and support my hero.
For those who have wonderful heros seeking employment, check out Hire a Hero for more information about how verterans and their military spouses can find employment.
Wednesday, May 9, 2012
Cautious Turn in Europe Affects US Markets
It is well-noted that after the French election, a cautious turn of events in Europe is affecting U.S. Markets. This is a disappointment as France is going to the far left politically at a time when it's unemployment rate remains in the double digit. I've toured foreign businesses and can vouch for French entrepreneurs that their paid workers will not work. Capitalism is dead. The quality of living is dismal. We complain of the French smelling bad but what the French people must do is not bath so as to conserve on their water bill. It's a matter of finances. A young educated woman must delay marriage and seek employment in a town two hours away from where she lives thus paying a high gasoline bill and spending a lot of time in the car. She commented that she is lucky to get the job. These folks are smart, educated and hardworking people yet the policital environment as well as the legal system restricts opportunity to profit and for capitalism to enhance the fruits of their labor. Perhaps other European countries are to follow. Back home, America may be a house divided between capitalism and socialism but it's offer of free enterprise may be challenged as politics and other special interest groups intervene. Hence caution is advised for accounts exposed to investments in European markets or for American companies who derive more than 50% of their profit in Eurocurrency.
Bird Picture For Wives of Faith Blog Carnival
Some creative writing below where bird and military spouse parallel one another. The Wives of Faith Blog Carnival topic is to post a picture that you've taken and then describe the story. Below is a story from the female bird's perspective on life and her surroundings in the picture.
She sits. Yes, she sits and deals with the world and all its challenges coming her way. Is someone staring at her? Is an innocent bystander wondering what’s going on? Maybe for once it’s okay to let her guard down and show her true side. Is her mate looking at her with concern and love? Yes, her mate is looking at her. It’s nice that her mate is interested in her. It’s nice to know that her world matters to her mate. Yet, it’s as if the world is upon her little body, and she can’t sustain things anymore. She’s still. She ponders. She lets out a big breath and enjoys the relaxed sag of her body. She awaits the next move. Her present world is available for all to see. Her private world teeters upon exposure. She collects her thoughts. She prays. She wonders what’s next or not. She is uncertain of her future, only the present is telling. She is in her home. She’s tired. She needs rest and restoration. She seeks little in return for what she’s given. She comforts with her presence. She gives with what she can. She loves in a way that her mate understands. She cares beyond measure. She observes her surroundings. She collects her thoughts. She thrives in her mate’s love. She takes it all in. She prepares to become what God wills her to be.
I wrote this because often military spouses experience similar feelings and emotions that perhaps folks cannot grasp or acknowledge. It is a lifestyle that is different from many. There's a certain vulnerability that military spouses endure especially during times of deployment. When I took this picture at the zoo, I had no idea that I would draft this kind of write-up and yet when I look at this beautiful bird in the picture, I can relate to those times in my life where I am tired, uncertain and experiencing the very things written above. So often, we military spouses forget to take care of ourselves, nuture ourselves and rejuvenate our minds and bodies. Perhaps this picture is a kind of reminder for military spouses regardless of deployment or not, to make time for yourself. It's worth it.
The financial perspective to keep in mind is that health and wellness is a great preventative for costly medical bills. Taking a hot bubble bath or jogging or attending a bible study or something that brings fun along with health and wellness is a great long term investment for pennies on the dollar.
Best Military Spouse "Hoooah" Moment
Accentuate the positiveand describe your best military wive Hoooah moment!
My husband’s Guard unit was
returning from Iraq. It had been a long deployment for many, and back
home, there were few there to receive folks. The main building was empty
except for 2 or 3 people. I had a bunch of red, white and blue
decorations from a Fourth of July party and decided to recruit folks to
decorate the reception area for our Welcome Home Festivities. Being a
small unit, I decorated the walls and even posted an American Flag doorway for
folks to bust through as they came into the building, kind of like NFL where
the football players run onto the field. Just a little touch of
decoration was at least something that I could do for folks who served our
country in a combat zone. Later my husband told me that the commander was
grateful for the decorations as it was a morale booster for many. It’s
nice to know that little efforts can go a long way.
Go to Wives of Faith for more information about the military spouse ministry.
Go to Wives of Faith for more information about the military spouse ministry.
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