By Michael, on May 17th, 2012  With constant talk of a struggling economy and the less-than-noble practices taking place at many major national banks, it can be difficult to hold much confidence in your general financial wellbeing in today's society. With constant controversy about the major national banks, local credit unions have begun to grow in popularity among the general public. Many people, from retired adults, young college undergrads, fully employed adults, and broke graduate students, are beginning to see the many advantages smaller credit unions have to offer. Though big banks are more popular because of their loud national marketing campaigns and big-time names, they often offer shockingly low interest rates, unreasonable loan rates, and endless pitches for new costly services. Consider these three reasons people are flocking to credit unions for their banking needs:
(Picture Credit - Pinterest)
Non-Profit Business Advantages
Especially today, (Read More....) . . . → Read More: Reasons to Use a Small Credit Union Over a Big National Bank
By Michael, on May 11th, 2012  If you would like to take a more natural approach to first aid, you can do so by replacing your traditional first aid kit with an herbal one. Instead of over-the-counter medicated creams and pain relievers, an herbal first aid kit draws upon the wisdom of nature--relying on herbs and essential oils to soothe and heal when a minor mishap occurs. If you would like to make an herbal first aid kit, read on. Here you will find some tips and suggestions for assembling your kit, along with some key herbs and oils your kit shouldn't be without.
Kit Supplies
Your herbal first aid kit should consist of several supplies--items that will make it easier to administer first aid in the event you need to do so. An assortment of bandages, cheesecloth, a couple of muslin bags, handkerchiefs, an eye-dropper, a tweezers, a small scissors, vinyl or latex gloves, and cotton balls are some must-have supplies for an herbal first aid kit. Make a supply checklist for yourself looking to see which items you already have and what you need to pick up.
Herbal Remedies
Once you've gathered some basic (Read More....) . . . → Read More: How To Make An Herbal First Aid Kit
By Michael, on May 11th, 2012  It's frequent nowadays to hear people moaning and griping about the poor state of the economy, the national debt, the weakened stock and housing markets. But it's not quite as often that hear people owning up to their own complicity in our national debt. I'm not saying you personally owe money to China—rather, I'm suggesting that as a nation we will not be able to reduce our collective debt until we as individuals reign in our expenses and take responsibility for our own financial solvency.
The average American consumes 30 times more than the average citizen of India. I'm not saying this in order to recommend a complete culture or societal overhaul, and I'm not saying we have to live completely minimalistic lifestyles, or deprive ourselves of certain luxuries and technological innovations. But we do need to learn the values of debt management. We can simultaneously be wasteful and indebted.
When most people think to themselves, 'well, it's time to (Read More....) . . . → Read More: Debt Management: Be The Change You Wish To See
By Michael, on May 2nd, 2012  According to the Commerce Department, the U.S. economy grew at an annual rate of 2.2 percent during the first quarter of the year. Like the economy, something doesn’t feel quite right about this number. But what is it, really, that should be a surprise?
The clever fellows at PIMCO have been telling everyone of a new normal – low growth, low returns – world since 2009. Isn’t 2.2 percent GDP consistent with their thesis?
Maybe so. But that’s if you consider 2.2 percent GDP to be real growth. Here at the Economic Prism we have reservations. What we mean is we’re more interested in what this number doesn’t represent than what it does.
In particular, 2.2 percent GDP doesn’t represent growth. It represents lack of growth. In fact, a headline GDP of 2.2 percent means the economy is not increasing at all.
More exactly, by our back of the napkin estimation, the economy’s contracting at an annual rate somewhere between negative 0.5 percent and negative 8.1 percent. The wide (Read More....) . . . → Read More: Mass Delusions Of Cupcakes And Credit
By Michael, on May 2nd, 2012  In the United States debt management has become very crucial for most of the citizens after the global financial crisis. There are professionals who help you manage your debts and help you deal with your financial burdens. But choosing the most respected and legitimate company is one of the biggest problems faced by the customers. As you may come in contact with the companies that try to make money in the name of legal assistance and working with such companies can result in a further increase of debt.
It is therefore important to choose a company with caution after doing all the necessary research. Before you choose a company for legal assistance make sure that the company is listed with BBB as one of its member. The settlement company should be accredited with United States Organization for Bankruptcy.
A trusted and reliable debt settlement company will provide you the service rules very clearly before any deal. Everything must be transparent for the customers who are planning to hire the services of the company. (Read More....) . . . → Read More: Debt Management: All That You Need To Take Care Of While Choosing A Settlement Company
By Michael, on April 25th, 2012  Stocks had a rough go of it yesterday. After recouping some of the day’s early losses the DOW ended the day with a 102 point loss. One headline said it was Europe’s fault. Another said it was Wal-Mart bribery in Mexico.
Here at the Economic Prism we don’t know what the reason was…we just hope no one lost an ear over it. That does happen from time to time, you know.
Take Jerry Lee Ries of Los Angeles. On the night of April 11, Ries and another man met near Parking Structure 10 in Santa Monica to conduct a business transaction. Ries was, no doubt, clarifying the finer points of his program of debt collection when he pulled out a knife and sliced the man’s ear off.
The victim apparently owed Reis $400, but was only able to produce $360. Then, wouldn’t you know it, Ries didn’t even keep the ear he took as collateral for the $40…he tossed it in a street corner trash can.
Unfortunately, the (Read More....) . . . → Read More: Destroying The Retirement Dreams Of A Generation
By Michael, on April 25th, 2012  According to the United States Department of Justice, Bureau of Justice Statistics, as of December 31, 2010 3% of the adult population of the United States of America was under the supervision of a correction authority. While that percentage has remained relatively stable for the past decade, that still represents the highest rate of incarceration for any country in the world. Some estimate that the population of inmates in the United States represents one-quarter of the world’s inmates.
These statistics are staggering. While there are many theories as to why this is the case, from the cultural mix unique to the United States to the wide gap between rich and poor, the facts are indisputable. Perhaps the singular silver lining to this American pandemic is that in an economy wrought with joblessness and bereft of hope, there are employment opportunities for corrections officers and other members of the criminal justice team.
Corrections officers are in charge of monitoring prisoners or those persons (Read More....) . . . → Read More: Corrections Officers – Should You Work In America’s Prisons?
By Michael, on April 22nd, 2012  Up until very recently in history, not paying your debts was considered a shameful act. But now, the act of defaulting on mortgages, credit card bills, and other loans is actually celebrated (and encouraged) by many. What’s wrong with this picture?
I generally do not like to cherry pick Bible verses out of context, because doing so doesn’t always reflect the message accurately. However I think Psalm 37:21 is one where we can do that:
“The wicked borrow and do not repay, but the righteous give generously”
Do I think all people who borrow and not repay are wicked? Absolutely not! Obviously, having catastrophic medical bills, becoming disabled, and many other extreme scenarios are understandable reasons as to why someone wouldn’t be able to pay their debt. So I am not referring to those situations in this post.
Rather what I am referring to are people who intentionally and willingly game the system. They incur debt (often recklessly) and feel no obligation to keep paying. Here are a couple examples which you actually see encouraged by mainstream (Read More....) . . . → Read More: The Wicked Borrow And Do Not Repay?
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How To Make An Herbal First Aid Kit
Kit Supplies
Your herbal first aid kit should consist of several supplies--items that will make it easier to administer first aid in the event you need to do so. An assortment of bandages, cheesecloth, a couple of muslin bags, handkerchiefs, an eye-dropper, a tweezers, a small scissors, vinyl or latex gloves, and cotton balls are some must-have supplies for an herbal first aid kit. Make a supply checklist for yourself looking to see which items you already have and what you need to pick up.
Herbal Remedies
Once you've gathered some basic (Read More....)
. . . → Read More: How To Make An Herbal First Aid Kit