Rockefeller, JP Morgan, Jeckyll Island, Senator Nelson Aldrich – How did we get here?
“The Federal Reserve”
1)Stop growing competition from Nations newer banks
2) create money out of nothing for the purpose of lending
3)control reserve for all banks to protect the reckless ones from currency drains
4)shift losses from bank owners to tax payers 
5)Convince Congress its purpose is to protect the public.
The holidays have come to a quick Monday closing meaning it’s time to head back to the “real world” and start thinking about your bills, and thus, your holiday repayment plan. December has always been a month for overspending, overeating, and overdrinking, so it makes sense that January is, and has always been, a time for new resolutions, new habits, and new goals – we want to correct the overindulging that happened throughout December. Financial resolutions are second in popularity to losing weight/being healthier and sadly end just as fast. Most people who make a new year’s resolution will give in by March mainly because they haven’t made a road map for their success. Today we look at making that road map so that people can feel stronger in their financial resolutions.
If your resolution is to save money, or pay off your debt you’ll need to make a commitment. And what better way to do that than by writing down your resolution in a place where you will see it daily so that you can find strength, be energized, and hold yourself accountable. Post-It notes are a 
great way to facilitate this goal because you can literally put them anywhere, they’re eye catching, and usually come in cheerful colors! Write a main list and put it on your bathroom mirror, you’ll see it every morning and every night. If you think you’ll need more support throughout the day then tuck them in your car or wallet. Wrapping a note around your credit card reminding you it is for “serious emergencies” (not emergency coffee runs) or “gas only” will help you avoid swiping by being a goal reminder and giving you time to rethink your decision while physically unwrapping it. To get a little more dynamic you can put reminders on your phone too! Set a reminder every payday to deposit your cheque and take out your spending money. This is the cash diet, meaning no plastic, and it’s a great way to ensure you stick to your repayment budget because when the cash runs out, so does the spending.
We would like to thank Randy Clark and Parley Consulting.
We went to Randy six months ago for help. We were at our wits end, over our heads to credit companies. No groceries and sleepless nights.That was a quick six months of help from Randy Clark and Parley Consulting. We are now debt free and don’t owe any more money to creditors.
To be debt free is a blessing!
Thank you Randy for helping us!
Sincerely
F & L
This concept is simple- if someone on your list wants or needs something too large for one person to handle, team up with others. Items like a new TV, video game consult, a trip, or amusement park passes can run up a hefty bill. But if you split the cost between three, four, or five people it
Don’t go overboard!
becomes far more manageable. This money saving tip for the holiday is the easiest one because all you have to do is talk to your family and friends who will, most likely, want to hop on board with you, especially if it’s something that a loved one really wants or needs.
Anyone from a large family knows that gift giving can get pricey just based on the sheer number of items you have to buy, even if you do put a thirty dollar per person limit out there. Thirty dollars times ten gifts is still three hundred dollars, which is over the recommended budget if you make $30,000 a year. Pulling names cuts down on your costs, and gives you the opportunity to get a gift you know they’ll love, not just a gift that meets your cost requirements. So whatever your income is, make sure to make your budget before anything else! Continue reading »
How to budget for the holidays? It’s a continuous question that most people don’t have an answer to. We all find ourselves in January looking at our credit card statements wondering ‘How did I spend that much!?’ None of us want to feel like the Scrooge who wants to opt out of gift exchanges or have the tree look bare, but we don’t want to spend the holiday’s regretting it either! A poll from CIBC states that 76% of Canadians have a plan to pay off their holiday debt in full. It also shows that people are pretty even regarding how they’re going to holiday shop 29% plan on using cash, 31% plan on using credit, and 36% plan on using debit. This CIBC poll shows that the 65% of people planning to use cash or debt are doing so in order to stay on budget. And the 31% using credit are doing it to collect reward points and convenience. In contrast RBC’s poll reveals that 55% of Canadians will be using cash, 37% will use credit, and only 27% will be using debit.
Cash is the best way to stay on budget because when it’s supply ends, so does your shopping spree, but cash can’t be tracked like your debit or credit card, and is far easier for someone to nab at the mall. Debit cards give you the least amount of benefit when it comes to comparing plastic, but can help you stay on track with your budget by getting declined when you’re out of money. Credit cards give you better tracking, more security if purchases are lost, and have more financial benefits like improving your credit score, but it is the easiest form of payment to lose track of your budget with. So which is the right way? Continue reading »
It is safe to say that everyone experiences debt at some point in their life; and it is never easy realizing that your debt outweighs your income. Consider coming to this debt to income ratio realization while dealing with the breakup of a marriage. When lives are intertwined for a period of time it is common and almost inevitable that finances would overlap and that joint bank accounts will be opened. The husband gets a car loan for his wife’s car, home furnishings and fishing gear get put onto the wife’s credit card, and so on. This, however, does not mean that the spending or the repayment is equal.
whichever debt is in the husbands name will be the husband’s responsibility and vice versa for the wife; and whichever debt is joint shall bedivided. Seems simple enough until you remember that the debt on the wife’s credit card may not be for her own things, or the car loan in the husbands name might not be for his car. Many couples will put purchases, from large to small, in their spouses name for a variety of reasons. Continue reading »
Today’s business review is about The Seven Drawers shop on 85th avenue and 109th street in Edmonton, Alberta. This business was based off of enabling people to truly be reflected in their homes. No more generic furniture, wall art, or accessories anymore. At The Seven Drawers you will not be disappointed or bored. They offer options which are fresh and sophisticated, and all at a more reasonable price than you imagine. The staff there is knowledgeable, friendly, and highly qualified to assist you in your design dreams. Best part is, their stock is constantly changing because they’re not a big box store; they don’t have room to stock multiples of the same item. If you’re space is stressing you out, and you don’t feel revitalized at the end, or beginning, of the day, maybe it’s time to look into giving you space a facelift. Don’t put it off for a minute longer because you think you can’t afford it. The Seven Drawers is the place to go for affordable, quality products and great design advice.
http://www.facebook.com/pages/The-Seven-Drawers/186953728009992?sk=info
http://sevendrawers.com/projects/rick.html
Workers Compensation Board
Almost 700,000 Canadians collected employment insurance in 2010 according to stats Canada. Take a moment to consider how many of those Canadians are collecting because they have been injured at work. When you are hurt at work and have to deal with WCB Alberta the last thing you want is to jump through hoops or feel lost in the process.
Here are 5 ways to make your WBC application process easier: Continue reading »
...we would have been paying debt & interest for the rest of our lives!
“Randy helped me feel we weren’t the only ones in our situation with debt. He made us look at our spending in a different light. Now I feel so good about budgeting and saving money at the end of the week when I see we still have money in our accounts, and we didn’t have to use any credit – I feel so good. If it wasn’t for Randy and his knowledge we would have been paying off debt & interest for the rest of our lives! We are so appreciative & also more educated. “
-Tanya