Some Things ARE Real

Nowadays with all the scams, lies, con jobs and outright thievery being promoted online; it’s hard to get real businesses started. We’ve become so used to being disappointed that it’s almost impossible for us to believe anyone about anything on the internet. Mostly we ignore about 98% of what we’re told.

At least I do.

It used to be, if you, as a kid; wanted to make some money you could sell lemonade or cut the grass. I remember selling pencils one time. Did fairly well too. Had brand new, unused pencils and sold them for a dime apiece.

Now sadly, if I told you, I’d give you a pencil for no cost whatsoever… you’d run screaming in the other direction. And all because some very unscrupulous folks reside on the internet with their only purpose being to get you to send them money.

Times have certainly changed. It makes things a bit harder.

Let me tell you about a startup that I’ve learned a lot about these last couple of months. They don’t sell anything. Instead, they offer ways you can lower your monthly expenses. It’s a simple enough concept. Lower your expenses and you’ll have more money left over to do things like pay off bills or add to your savings.

You can join as a Charter Member or as a FANN (free member).

Either way, you can use their free Concierge Service to lower some of your expenses. All you do is fill out a short form and let the Concierge people try to find you better deals on Mortgages, Phones, Autos, etc.

I have used this service and it works. I recommend the free membership.

In the next few weeks, they’ll start offering a free debit card tied to a free bank account. Not to worry, this bank is a regular FDIC Bank with all the features you have at your current bank. Loans, Checking and Savings Accts. etc…

Now (here comes the genius idea)… when we use this New Debit Card, we’ll get to share in the Fees the same way the Banks do!!!

Imagine if you had a small team of people… let’s say 100. You told them about this debit card. They start swiping it every day, several times buying gas, food, shopping, going to the movies and… you get paid each swipe!

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Omaha Insurance Agent Says This Is a Money Talk You Should Have With Your College Age Student

OMAHA, Neb.-College students are packing their bags and getting ready to return home for the summer. For many, this past year was the first time they managed their own laundry, classes and curfew-and their own bank accounts-without their parents.

This continues as a time of transition for many young adults and their parents. They will need some help from you while they continue to grow into their new financial responsibilities and learn how to enjoy a lifetime of good money management.

Here are a few tips from Manley to help talk to your college-age students before they head back to campus next fall:

Help your student work on a budget. Budgeting goals and priorities change over time. If your child had a part-time job while he or she was in high school, the priority was probably to build a savings. A college student’s main priority is not likely to be savings, but rather to figure out how to make saved money last all semester or until summer. Parents can help a student itemize and prioritize all the things the student will have to purchase such as clothing and sundries, textbooks, the expenses of a car or cell phone.

Plan for mistakes, and let your student correct them. No matter how good the student’s budget is, mistakes are going to happen. Some of them are minor, such as when a student simply forgets to budget for working fewer hours at a part-time job during a week of exams or having to take an unpaid sick day. If that happens, a little help from mom or dad may be appropriate. But sometimes mistakes are major, the result of overspending and under-earning, and the student runs out of money before the end of first semester. In this case, as difficult as it may be, do not bail out your student. Help him find a way to fix the problem. If the student lives on campus and you paid for a meal plan, he is not going to starve. He might have to find a way to work a few more hours, or be sure to earn a few bucks during summer break.

Have THE TALK. More specifically, the talk about credit cards, and how many credit card companies entice students to open accounts. Show your student how long it will take to pay off even a small amount of debt (here’s a handy calculator ). Even a small balance of $3,000 can take as long as 10 years to pay off, and during that time the borrower would have paid more than $2,200 in interest alone. Student loans, car loans and eventually mortgages are often considered good debt. But credit cards in the hands of inexperienced users can be disastrous.

Let the student know you will be checking up. From time to time, check your student’s bank balance. Look at the expenditures and deposits, and make sure she is on-track to making his money over the summer. As time passes and the student gets better at handling money, you will be able to let her handle it without your help at all.

College is such an exciting time, and a time when young adults learn not just academic lessons, but also life lessons. They still need you to show them how to avoid making money mistakes, and how to fix the mistakes they make along the way.

Farmers Insurance Agency Offers Advice To Help Ensure Financial Health

Omaha insurance agent and philanthropist, suggests the following to ensure financial health for the year ahead and beyond:

Develop a budget and stick to it. Start by making two columns, one for expenses and the other for income, and total them. Whether you make as much as you spend or not, see where you can cut corners, such as on luxury items, pay down debt and increase savings
Add line items to your budget such as for taxes, savings, college and vacation funds
Add financial goals to your everyday calendar, such as paying off student loans by a certain time. Consider paying off the largest balances first and try transferring outstanding balances to lower-interest-rate accounts
Consistently view credit card and bank records to make sure transactions are accurate and see where you can cut spending
Pay credit card bills in full, cut up the cards you don’t need and try to use cash whenever possible
Take advantage of programs through work such as discounts on phones, computers and fitness memberships
When shopping, buy in bulk, clip coupons, look for sales, shop around, purchase generic or store brand, and stick to the shopping list
At home, use a programmable thermostat, evaluate the air system to find holes that need repair, and get rid of the home phone and bundle your cell phone plan into a family plan
Take care of your car’s engine and tires to save on gas and repair
See if there are any extra expenses you can eliminate, such as getting rid of cable and switching to Netflix or Hulu for a small monthly rate. Some subscriptions like Amazon Prime already come with TV and Video included.

Some of these tips might seem like big changes, however once you start making these changes and seeing results, they become daily/monthly habits. Practicing the

Through hard work, dedication and attending both passionately and professionally to the needs of clients, Manley and his small team at his Farmers Insurance agency in Omaha, Nebraska have grown the agency into the largest Farmers Insurance agency in the state. His agency also is the second largest for the entire Farmers Insurance region.

Manley’s service to the community includes support of the Siena/Francis house, Restoration Exchange, Homeward Bound animal rescue, the Ronald McDonald House, and The Stephen Center.