Asheville, NC (PRWEB) October 30, 2008
One of the most essential action steps toward financial protection is to create an emergency fund consisting of three to six months living expenses in a liquid FDIC insured banking account, such as a checking, savings, or money market. Jeff Palmer, ChFC Financial Planner, of The Palmer Group also recommends debt elimination as the very best step to weather a financial storm. Many families will find it difficult to eliminate debt and increase immediate cash flow in their current situation and Palmer offers various ways this can be achieved.
“Create a household budget to examine spending for non-essentials. By creating a list of expenses each month, one can see where s/he is spending money and where adjustments may be made,” Palmer explains. After taking inventory of spending habits, sensible ways to decrease spending can be found.
Palmer’s 9 essential steps for surviving the economic downturn are to create a budget, establish an emergency fund, reduce credit card spending, pay off debts, shop smart, sell unwanted items, explore second incomes, plan ahead and invest in the future. These 9 steps are clearly explained in the current newsletter edition of Sixty Second Parent.
One way to reduce lifestyle spending is to become a savvy consumer. Groceries are an expensive necessity. When creating a grocery list for the household, collecting and using coupons, and selecting items on sale can be a tremendous savings to the family budget. Palmer warns, “Do not rely heavily on credit cards or lines of credit to cover emergencies. Banks are freezing lines of credit and credit card companies are lowering available lines of credit. You do not want to go deeper into debt for emergency expenses.” Even paying off a little each week will help to reduce debt.
According to Palmer, there is a real possibility of inflation in the economy due to the credit crisis. Inflation occurs when too much money follows to too few goods and services. It is based on the supply and demand principle. The effects of inflation impacts on prices at grocery stores, retail outlets, gas stations and beyond.
Nationally acclaimed pediatrician Dr. Olson Huff MD, of Sixty Second Parent, helps parents to develop healthier and more affordable eating habits for their children and reducing grocery costs at the same time. “Finding creative ways to encourage fruits and vegetables in your child’s diet can be fun for the entire family,” said Huff.
By offering more fruits and vegetables in combination with old favorites, parents can improve the health of their children and improve their budget. Implementing these simple steps may put you in a better financial position in good times or bad times. These steps will not come easily. They require changes in habits for the entire household. It is therefore important to set realistic goals and stick to them.
About Sixty Second Parent:
Sixty Second Parent is a website that offers a unique and fresh approach to obtaining practical parenting tips and information. Sixty Second Parent understands that the expectations and pressures put on parents today are more complex than ever before and recognizes the need for a simpler support system for parents and families.
As part of the solution, Sixty Second Parent has brought together the world’s leading experts in child development, child health and parenting to provide sound practical parenting information within an online community network.
Sixty Second Parent provides parents-to-be, young parents and grandparents with information, enjoyment, and connection into a like-minded community via a user-friendly web platform. This community gives parents the information they need, as well as reassurance in their actions, and guidance in interactions with their children.
The online support network is designed to link parents and families with industry specialists and other parents along with an online parenting store offering the best in early childcare resources.
St. Cloud, MN (PRWEB) March 31, 2009
Urging the country to put away childish things, President Obama could have been talking about poor spending habits. Like children, this nation demanded instant gratification. The retail concept of lay-away, so popular just 30 years ago went the way of the drive-in movie. No longer satisfied with buying only what is affordable, Americans embraced run away equity lines and defined themselves by what could be bought on credit. But those days are no more – and maybe it’s for the better.
According to Patricia Hinds, founder of Granite Financial in St. Cloud, “Faced with plummeting investment accounts, declining home values, and the real prospect of job loss, Americans suddenly are doing what they’ve needed to do all along – spend less and save more.”
In fact, in the last three months of 2008, the government reported Americans’ savings rate, as a percentage of after-tax incomes, rose to 2.9 percent. That’s up sharply from 1.2 percent in the third quarter and less than 1 percent just a year ago. Today, a shopping spree no longer appears to be the initial response to a wave of bad news. In February, the Commerce Department reported consumer spending fell for a record sixth straight month in December, dropping 1 percent amid worries about surging layoffs. The hunkering down trend likely will continue. The Conference Board Consumer Confidence Index plummeted further in February reaching yet another all-time low. The Index now stands at 25.0 (1985=100), down from 37.4 in January. According to The Federal Reserve, although consumer borrowing rose slightly in January, economists still expect borrowing will remain weak this year with news of the unemployment rate surging to a 25-year high.
“With pessimism about the state of the economy increasing daily, suddenly it’s chic to be cheap,” says Hinds. “Frugality is back in style and splurges on widescreen TVs, top-of-the-line kitchens, and designer clothes are out.” Across America, people have not only stopped borrowing, but they are actually paying back debt by paying down those car loans, mortgages and credit card bills. Consumers are actually talking about how to save money – with their neighbors and, more importantly, with their bankers, credit card companies, and household service providers.
The fallout from collective belt-tightening has been referred to as the “paradox of thrift.” That is, what’s good for the people — spending less, and saving more — does nothing to lift the economy out of recession. While many economists suggest that it’s bad news for our recession-battered economy when consumers pay off credit cards, increase their cash reserves, and skip a few pizza deliveries, Hinds begs to differ.
“I believe child-like spending played a role in this economic mess but our increasingly mature attitudes toward money management could make us healthier in the long run,” says Hinds. “Just as growing up can be painful, enduring the difficult repercussions of this recession may pay off by putting an end to bad financial habits.” This recession may be what it takes to help American consumers break free from a lifestyle of greed supported by excessive borrowing, leveraging and spending.
About Patricia Hinds and Granite Financial Inc.
Patricia Hinds, a branch manager for Securities America, Inc. and founder of Granite Financial Inc., has been a part of the financial services industry for over 19 years. She is a CERTIFIED FINANCIAL PLANNERTM practitioner and holds the Board Certified in Estate Planning (BCE) designation from the Institute of Business & Finance.
Hinds specializes in providing personal wealth management services to financially established women entering or near retirement. She uses a consultative approach to help develop and effectively implement a financial plan. Her process includes investment consulting, relationship management and advanced planning in four areas; wealth enhancement, wealth transfer, wealth protection and charitable gifting.
Hinds is a member of the Financial Planning Association, the Better Business Bureau, the National Association of Professional Women and the St. Cloud Area Chamber of Commerce. She conducts regular financial planning seminars and has contributed to articles in several leading trade publications including Wealth Manager, Financial Advisor, Investment News, Research and On Wall Street as well as consumer outlets such as Kiplinger’s Personal Finance and Minnesota Business Magazine. Visit http://www.granitefinancial.net for more information about Ms. Hinds and Granite Financial Inc.
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Raleigh, NC (PRWEB) November 24, 2009
Divorce Talk Radio, a production of North Carolina family law firm, Rosen Law Firm, discusses when it is an option to do a divorce yourself in, “How Easy Is a Do it Yourself Divorce?” Every week, Divorce Talk Radio features current topics in family law and answers listener questions regarding family law issues in North Carolina.
In this episode, Raleigh divorce lawyer Lee Rosen and Cary divorce lawyer Ketan Soni share tips for representing yourself in court during a divorce and what steps you can take to protect yourself when handling the paperwork and legal forms on your own. The team also discusses Rosen Law Firm’s new “Do it Yourself Divorce” website and the ways the new service can be beneficial to someone facing a divorce.
“Is it realistic that you can do it and do it well? We’re talking about a lot of people where you’d better do it and do it well, because you don’t have an alternative.” says attorney Lee Rosen.
About Divorce Talk Radio
Divorce Talk Radio is a free, professional resource available to everyone in the state of North Carolina. Hosted live every Wednesday at 11 a.m. Eastern time, Divorce talk Radio offers listeners the chance to call in and ask questions about any aspect of family law and get answers from a Raleigh divorce lawyer.
Divorce Talk Radio covers a range of topics that may arise in a family law dispute. Recent episodes include; “How Does Child Custody Impact Homeschooling?”, “Confronting your Wife’s Boyfriend”, “Who Gets the Kids?” and “Should I Stay or Should I Go?”
About Rosen Law Firm
With offices in Raleigh, Charlotte and Chapel Hill, Rosen Law Firm is one of the largest divorce firms on the East Coast. Founded in 1990, the firm is dedicated to providing individual growth and support to couples seeking divorce by helping them move forward with their lives. Our staff of attorneys, financial professionals and specially trained divorce coaches expertly addresses the complex issues of ending a marriage. Our innovative approach acknowledges that divorce is so much more than just a legal matter. Practice areas include child custody, alimony, property distribution, separation agreements and domestic violence relief.
For More information on Rosen Law Firm and Divorce Talk Radio, or for an interview, please contact Ned Daze at Rosen Law Firm.
Ned Daze, Director of Public Relations
Rosen Law Firm
Santa Clara, CA (PRWEB) October 5, 2010
Consumers and businesses need an easy and convenient way to recycle their obsolete and unwanted electronics. Starting today, Californians have a convenient, safe and free way to recycle this e-waste, by turning to ecollective, a statewide network of drop-off locations that accept old TVs, monitors, computers, cell phones and other electronics for free.
Our consumer research showed us that the biggest barrier to recycling for most was time and proximity. So we set ourselves a goal: to establish an ecollective drop-off location within 10 miles of most households in America, said Jim Taggart, president of ECS Refining, the company that is behind the ecollective initiative. Ecollective locations are being added every day, and each location has to meet a strict set of criteria to become part of the program. By choosing to recycle your e-waste at any ecollective location you can be sure that any personal data on your computer or cell phone will be destroyed, and that all of your e-waste will be recycled properly.
How to find an ecollective drop-off location, and what to expect when you get there
Its easy: visit myecollective.com, enter your zip code, find your closest ecollective location, and then take it back for good. Once you get to your local ecollective, someone will help you get the e-waste out of your car if you need assistance. You may be asked to give some of your identification information (like your name, address and phone number) for state reporting and regulatory purposes only.
What to recycle, and why ecollective is good for the environment
The ecollective program is designed to take back most kinds of unwanted and obsolete electronics. If it plugs into the wall and you use it to communicate, gather information, store data, or enjoy media and entertainment, its probably part of our program. For a complete list: see this list of what we recycle. All ecollective drop-off locations send their e-waste to state-approved plants operated by ECS Refining, which uses advanced and environmentally friendly e-waste recycling procedures.
E-waste is a growing global problem that requires dependable, local solutions
It is estimated that the world generates almost 12 pounds for every man, woman and child on the planet. The Environmental Protection Agency has just added the disposal of e-waste to a list of the agencys top four environmental priorities, alongside issues such as climate change, air quality and access to clean water. And, each year, more states adopt legislation to help support recycling of this kind of material. ECS Refining, the company behind ecollective, sees this as an opportunity to work together to solve this international challenge by leveraging existing industry resources, fostering best practices, and employing public outreach and education.
How to connect with ecollective
For the nearest e-waste drop-off location, visit http://www.myecollective.com. Tell your family, neighbors, friends and workmates about ecollective through our Facebook and Twitter pages.
About ECS Refining
ECS Refining is a recycling and end-of-life services company specializing in electronics, industrial equipment and hazardous wastes. Utilizing a variety of approaches, including recovery and refining, asset management, and refurbishment and resale, we are dedicated to optimizing our services for a sustainable outcome. Because we work with such a wide variety of materials from hundreds of different sources, and have strong connections with partners both upstream and downstream, were adept at applying our skills and knowledge to formulate smart and planet-friendly solutions for our customers. Recycle responsibly. Recycle with ECS Refining. For more information about our operations and the latest news from ECS Refining, visit our website, blog, Facebook page, and Twitter page (@ecsrefining).
Providence, RI (PRWEB) December 8, 2010
YesVideo, the leader in consumer media conversion services, today announced the launch of MemoryEditor, the most recent feature of MemorySafe, YesVideos online archival service for consumer home movie and photo memories. With MemoryEditor, users can now mix video segments from their collections of digitized home movies, slides and photographs into custom video collages. These new collage projects can be published onto DVDs and shared online.
The capability to easily edit old home videos has been our customers most requested feature. MemorySafes Quick Trim feature recently addressed this request and now we add an even more robust application that allows customers to create their own customized videos, said Greg Ayres, Chief Operating Officer of YesVideo. With the new MemoryEditor, customers can create video storyboards to honor family members at weddings, reunions, and memorials, or make a custom video highlight of a childs life milestones — the possibilities are endless. By giving our consumers the freedom to edit and mix their videos and then underscore the production with their own music, YesVideo is truly equipping them with the online tools that enable precious memories to be enjoyed and shared the way our customers desire.
A direct response to ongoing customer feedback, MemoryEditor was designed with the customer in mind and features an easy-to-use interface. Users can designate new start and end points in their favorite clips and create new video projects by simply dragging and dropping their favorite clips onto a storyboard. To accompany the video, they can upload MP3 music or audio tracks from their computers. When completed, the video projects can be ordered as personalized DVDs and shared online with friends and family through email, Facebook and Twitter.
MemoryEditor is now available to MemorySafes subscribers and registered users. For more information please visit http://www.mymemorysafe.com.
About YesVideos MemorySafe Digital Archival Service
MemorySafe digitally archives consumers home content, providing protection from loss or damage and enabling easy online viewing and sharing. Once movie film, camcorder tapes, photographs and 35mm slides have been converted to digital DVD using the YesDVD service, customers can access these videos on a private and secure website for viewing and sharing. MemorySafe is currently offered with YesDVD transfer service available at Bartell Drugs, Costco, CVS/pharmacy and Walgreens retail locations nationwide. MemorySafe offers protection on individual YesDVDs starting at $ 9.99 per year or package plans for protection of up to 15 YesDVDs starting at $ 59.99 annually. For detailed information on MemorySafe, go to http://www.mymemorysafe.com.
YesVideo, Inc. (http://www.yesvideo.com), is the leading media conversion provider that brings generations of families’ video and photo memories to todays most popular viewing formats. YesVideo is the only company trusted by worlds leading retailers, dedicated to providing consumers with an easy and affordable solution that stores, organizes, and preserves their previous memories in a DVD format, and online with MemorySafe, a secure online digital protection program. YesVideo enables customers to share their home movies and photos in their homes, online via MemorySafe, on mobile devices and on social networks. Founded in 1999, YesVideo is a privately held company, with headquarters in Santa Clara, CA, with production facilities on the East and West coast of the United States. YesVideo provides digital transfer services to consumers at over 34,000 retail locations in the US, Canada and Puerto Rico.
San Francisco, CA (PRWEB) December 17, 2012
Kidpower, an internationally acclaimed safety education nonprofit, has released a fully updated introductory program guidebook: How to Teach Self-Protection and Confidence Skills to Young People a perfect gift for parents and teachers looking for fun, innovative and effective ways to combat bullying, child abuse, kidnapping and other violence for their family members, and in their schools and communities.
The Kidpower program gets strong endorsements from parents, teachers and youth organization leaders: Child safety is our number one priority and no one does a better job of child safety training and empowerment than Kidpower, writes Danielle Summerville, Executive Director of Big Brothers Big Sisters of Colorado – Pikes Peak, whose full endorsement is included on the back cover of the new edition of the guidebook.
How to Teach Self-Protection and Confidence Skills to Young People can be purchased on Amazon. For 10 or more copies, go to Kidpowers online bookstore for high-volume discounts and ordering information.
Formerly out of print, our new edition of this guide returns by popular demand, covering the high points of the Kidpower method for teaching personal safety skills in an easy-to-read, highly accessible format, says author Irene van der Zande, founder and executive director of Kidpower.
Parents and professionals have been using the book since its origins in 1991, shortly after Kidpower was founded, when the program was featured nationally on ABC’s Home Show. I invited viewers to send self-addressed stamped envelopes to get more information, says van der Zande. We were flooded with hundreds of requests along with heart-rending personal stories, such as Our beloved neighbor was just accused of molesting girls in his church, or We moved to this small town to be safe and a man grabbed a girl and took her into his car at the one stoplight in our town, and also, My child is miserable in school because of kids who bully her.
I sat down with a friend and dictated our first 10-page booklet, which she typed out on her old typewriter, and that was what we sent out to everyone who wrote. Over the years, the booklet grew into an Introductory Kidpower Guide, which sold 25,000 copies. We let it go out of print in anticipation of the publication of our comprehensive, 400-page
Marlton, New Jersey (PRWEB) May 22, 2013
New Jersey Patent Attorney, Stuart M. Goldstein, partner and founding shareholder of the law firm of Hollstein Keating Cattell Johnson & Goldstein PC, has been successful in obtaining the issuance of U.S. Patent No. 8,381,968 from the United States Patent and Trademark Office for a convertible pizza tray, the Pop-up Pizza Tray. The patents innovative design is invented by Marcello Mandreucci of Robbinsville, New Jersey, and Andrew DePascale of Hamilton, New Jersey.
The simple design of the convertible pizza tray disguises just how clever the invention is. Upon lifting the pizza out of the box along with the tray which initally is laying flat under the pie the trays legs, folded flat underneath the tray, automatically pop out to support and elevate the pizza. The flat convertible tray becomes a serving tray, allowing for easy accessibilty to the pizza slices. Elevation of the tray frees up space when dining. It makes for a much more presentable alternative for serving pizza, while eliminating the bulk and inconvenience of the pizza box.
Made of sturdy cardboard and manufactured at minimal cost in great quantity, the convertible tray is an outstanding marketing opportunity for the $ 32 billion pizza industry. For pizza box manufacturers, the potential revenue from branding and advertising the tray is enormous, especially when considering that, in 2012, the Pizza MarketPlace, an organization that trends the industry, published these facts: Three billion pizzas are sold in the United States each year. Americans eat, on average, 100 acres of pizza daily or 350 slices per second. In addition, 93 percent of Americans eat at least one pizza per month, making pizza the number one dinner choice in the U.S.
Co-inventor DePascale is excited about the marketing potential of the Pop-up Pizza Tray: We feel like pioneers in the industry, where change to packaging has remained relatively constant for over 60 years. He further states: Its interactive packaging that is the wave of the future. Its not enough just to get the container to the consumer. Its also important to provide benefits. Were glad to be taking the lead on change, to the advantage of the national distributors, the large chains, the small independents and to the consumer as well. DePascale and Mandreucci are currently targeting these markets nationwide to promote the Pop-up Pizza Tray.
It is through Mr. Goldsteins expertise in matters involving a variety of industrial and consumer products, as well as equipment and systems within the mechanical, electrical, and marine disciplines, that makes him the patent attorney clients like Mandreucci and dePasquale seek out in order to receive patent protection for their creative products and improvements.
New Jersey Patent Attorney Stuart Goldstein oversees Hollstein Keatings southern New Jersey offices Intellectual Property Department, specializing in patent and trademark law. Mr. Goldsteins solid background, experience, and technical knowledge in the mechanical, electrical-mechanical, and marine arts began with his B.S. in Marine Engineering from the United States Merchant Marine Academy at Kings Point, New York in 1972.
For six years, he worked as a patent examiner in the U.S. Patent and Trademark Office in Washington, D.C., attaining primary examiner status. Since 1978, he has been registered to practice before the U.S. Patent and Trademark Office as a patent attorney (Registration #22817), handling patent application prosecution and related litigation.
Charlotte, NC (PRWEB) August 28, 2013
Today, Filtersfast.com, the leading online retailer of air and water filtration, promotes the Breathe Easy Features of the Day Event, featuring humidifiers from Crane USA. Since 2005, Crane USA has taken the lead in putting the fun element into their cool mist humidifiers, air purifiers and space heaters, by simply following their mantra, which is to design for better living.
Crane discovered that there is not an element of excitement among consumers when discussing humidity, heating solutions or air quality. Our products are functional and efficient at fulfilling your home improvement needs while communicating an appreciation for elegant design. Furthermore, our unique sense of design and unwavering commitment to quality allows us to continue to create our own distinctive interpretation of humidity, air quality, and heating solutions while remaining a step ahead of the crowd, echoes Crane.
Included in todays Breathe Easy Features of the Day promotion, Filtersfast.com is offering the Crane Ultrasonic Drop Shape Cool Mist Humidifier, the Digital Germ Defense Humidifier and the Adorable Animal Cool Mist Humidifiers. The Drop Shape Cool Mist Humidifier is available in shades of blue, white, green, orange and pink. This humidifier provides relief for dry skin and symptoms associated with coughs, colds and the flu. In addition, it is ideal for room sizes up to about 250 square feet. The Adorable Animal Humidifiers operate in the same manner as the drop shape, but is available in cute animal designs that are ideal for a childs room. They are offered in a cow, dog, frog, penguin, monkey, owl, duck, pig, elephant, panda or Hello Kitty animal design. The Crane Digital Germ Defense Humidifier contains antimicrobial protection that will fight any mold and mildew from growing in the humidifier tank to keep it from being released into the air. The reason why a humidifier is such a sound investment is because they offer skin, furniture and germ protection.
Since 2004, Filtersfast.com remains steadfast as the authoritative resource for consumers regarding the importance of changing residential and commercial water filters and air filters on a regular basis. The company strives to add to their customers overall quality of life by offering first-rate products at the best competitive prices. By saving customers time and money, they simplify a sometimes mundane, but very necessary task. Helping consumers understand the importance of regular water and air filtration maintenance is the companys primary mission. For more information regarding their large assortment of humidifiers, water filters, air filters or pool and spa filters, visit http://www.filtersfast.com or call their customer service department at 1-866-438-3458.