College ? Think Again, It's Your Money !

       By now most know unless you're heading to college to become a lawyer, teacher, doctor etc. You may just end up paying for loans for time. spent. Administrators may tell you, you get a year before you need to start paying off college loans, but they don't really sit down with kids and show them in black and white what a money scam loans are if you get in a situation where you don't get that high paying job or career you thought you'd get by going to college.
        A Ten thousand dollar loan, can quickly add up to twenty thousand in two years if you can't pay.  So maybe at the tender age of eighteen you need time and space to fill up your bank account and your maturity account.
          Give yourself the most important gift you can, TIME! Do you think if you don't rush off to college you'll never go because mom and dad are telling you that? Not gonna happen. If you deeply want to go, You will go when You are ready! Parents push kids into college and some never return because theirs an element of college indifference when it comes to planning, finances, parties and become one of the kids who have the need to join, or FIT IN!
   Time and maturity is the best gift you can give to you. Time allows you to explore ideas and maturity allows you to know whats wrong or right. In the meantime, volunteer at hospitals, nurseries, and intern at places you think you'd want to work at some day. Give, Give ,and give some more. But take it all in. Think you want to be a pastor? How much will that pay or does it matter?
             Volunteer at a church day camp or the Y if you want to be a child psychologist.  Thinking about becoming an architect? Volunteer or get a paying job at a construction site from the bottom up.
Also think about careers and jobs that are being outsourced and will those jobs still be available or taken over by computers.
       In closing, maybe you want to own your own business so you do need accounting. Trust yourself! It's your money that you will either owe or earn!

Money, Women and Men

        I just read an article that talks about how much smarter men are with money than women. One fact it didn't mention is, men still earn more in same positions than women and women are not allowed to reach those same positions. Yes, it is still a man's world, but women are catching up.
     Who is teaching females and males about money growing up? Moms and dads of course, but which parent has more working knowledge? Probably the working parent or the parent who is in charge of finances. Disagree? I understand why. I know of people today who both work, have kids and the father hides money from his wife while she spends extra from her check on groceries. He is investing in stocks for his future, the what ifs.
    So what about the parent who is a stay at home person? No paycheck, no insurance, no savings, no retirement account, no IRA, no workers comp, NOTHING. That person is simply delusional in the fact that their marriage will last forever.
     Both parents have to have income as a matter of having a safety net. Nothing is certain in this world. So how much do you save? Have you figured what it would cost you to live for a year? Surveys tell us people are to save for a three year plan without income. OMG!!!
    In the times we live in with outrageous rents and groceries and just day to day living how do people save? In the past few months I met a woman who is seventy-nine years old. Many feel old people have it made with retirement. Here's her story condensed. Her social security is 1179. a month. She lives with a daughter who doesn't help at all and this woman said, well she had a back surgery and is waiting for disability, yet this grown daughter won't life a finger to even help mom fill out paperwork of any kind. Mom had medical bills, still drives and with her income is supporting a grown daughter. Mom is also, to be honest helping her daughter's laziness as she told me this over a year ago about the back surgery. I don't know the details and haven't met her daughter and oh, she has a cat. So at what time in life was this woman ever told about investments?
    There are many more like her whose retirement every month is even less. What about moms on welfare and the fact that its' generational? Ladies, if you choose to be a stay at home mom or men a stay at home dad you better work on having a paycheck of some kind. Remember Daddy Day Care ? There's always a way. I wish someone told me.

How to buy AMERICAN Only & Where

       This morning I received a reminder from a crafter that she is buying from another crafter for gift giving. That is American Shopping . You can't do better that that. Sure kids want toys but who pays? America is paying every day we shop at that big W store. Imagine if we could control spending and just buy what we need. Go to local markets=healthier eating, supports the farmer as well as people who usually live locally, ends up saving gas, family time and makes happier people.
      I love music and would love a Susan Boyle CD, but first I want to know the whole process of making that CD and where it comes from.
      Just think and do what you can to SAVE AMERICA this holiday season, better yet, if you believe in the Bible, Christianity, maybe celebrate the business side less and the reason more.
       Another way to SAVE AMERICA is write letters, buy recycled, reuse and redecorate, paint a room for someone, help a neighbor, trim trees, ask, ask a neighbor, friend or relative (if you're still speaking) what you can do to help. Cook a dinner that will last a few days or at least for seconds. Babysit to give someone a day off, a night out or shop for someone. Cut coupons and give away. Wash and polish a car for an elderly person-not me:) SAVE AMERICA by helping the AMERICAN neighbor, small business owner, church group/mission and don't accept money. Give time if you can. There are so many AMERICAN NEEDS, so step out and step up, and support the AMERICAN NEIGHBOR, THE AMERICAN BUSINESS OWNER, THE AMERICAN CRAFTER and keep that support right here in our AMERICA this year!