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Backward Americans are Saving More During Great Recession - Mogama
News report says in the 1970's, Americans saved as much as 10% of their income. I think that was the period of the oil crisis, when the economy was suffering badly. Then when the economic prospects turned up in the 1980's, the savings rate began a downward trend. Research by the Utah... ( added 1 day 5 hours ago.)

Saver or Spender: Which is Better for Economic Recovery from Recession? - Mogama
Americans are saving more and spending less during the Great Recession. But is that a good thing? Yes and No, depending on the experts you listen to. In the July 25 edition of Deseret News of Salt Lake City, Utah, carries an article by Linda Thomson titled Americans saving more during tough... ( added 3 days 23 hours ago.)

Great is Thy Faithfulness, and Great is My Wastefulness - Mogama
Great is Thy faithfulness! Great is Thy faithfulness! Morning by morning new mercies I see. All I have needed Thy hand hath provided; Great is Thy faithfulness, Lord, unto me! When it comes to having enough or surplus in America, Gods faithfulness is not in question. It... ( added 8 days 2 hours ago.)

How to Conquer Credit Card Temptation - Steven & Summer Wilson
Credit card companies and financiers bombard us with mail telling us that we are approved for credit and loans. The first thing to remember when we receive these enticing offers is that we should always avoid spending money we do not have. Secondly, know that you can combat the temptation for... ( added 12 days 17 hours ago.)

How to Use International ETF of BRIC Nations to Hedge Against American Recession - Mogama
If you've been reading my articles and blogs, you very well know I am not a financial guru. However, I have common sense to know a good opportunity when I see one. And I don't mind sharing such an opportunity with those who may have missed a recent CNN Your Money with Ali Velshi. ... ( added 13 days 12 hours ago.)

Three Levels of Resources; Why No One in My Village is Poor - Mogama
A Western society groups its people into three categories of income: the poor, the middle class, and the rich. By this class system, everyone in my native Liberian village is considered “poor”. The irony is that if a Westerner were to meet with the residents of my village... ( added 16 days 21 hours ago.)

Smarter Pointers For Managing Credit Effectively - Ryan Smith
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Eighteen Other Names for Debt and Borrowing that Shouldn't Fool You - Mogama
Names are important. What we call something can make the difference in how we see that thing. For example, when I take something from a store without paying, and I call it a “mistake”, that sort of softens the conscience impact of my action. Even if I call it... ( added 47 days 3 hours ago.)

Doing Budget with a Five Year Old - Mogama
In our day and age, a five year old is likely to be interested in money. Actually our young one began making the connection between money and chocolate chip cookie at about age three or so. This interest in money is the hook that I used to introduce the child to the word “budget”. ... ( added 60 days 3 hours ago.)

Four Huge Problems with Debt - Steven & Summer Wilson
(1) In Debt, Your Money is Not Your Own. Proverbs 22:6-7 reads “Train up a child in the way he should go, and when he is old he will not depart from it. The rich rules over the poor, and the borrower is servant to the lender.” Most people are familiar with verse six;... ( added 115 days 14 hours ago.)

Giving and Debt Freedom: Why You Should Give Your Way Out of Debt - Mogama
Often someone who is serious about getting out of debt will ask, “Should I stop tithing or cut back on giving so I can pay off my debts faster?” My quick answer to that is " No. " You may think that answer is ironic or makes no sense. I don't blame you. I used to think so too.... ( added 117 days 2 hours ago.)

Debt and Privacy: How Much Your Lender Knows About You - Mogama
A total stranger walks up to you and says, “What's your social security number?” Will you give that information? Of course, you will not. But what if that total stranger were a loan officer at a bank or finance company where you are applying for a loan? You will have no choice but to... ( added 121 days 3 hours ago.)

What Is God's Idea of a Good Debt? - Mogama
You should know by now that consumer debt is bad debt. Consumer debt is when you borrow money to pay for things that you use up, things that consistently go down in value with no chance of them recouping their value. Financing a pair of shoes is a good example of a consumer debt, bad debt. ... ( added 134 days 22 hours ago.)

Preachers and Money: Can They Be Friends? - Mogama
The typical person expects a preacher to concern himself with spiritual matters, not financial issues. Most preachers believe that too. That thinking is not new. We read in 2 Kings 4:1 , A certain woman of the wives of the sons of the prophets cried out to Elisha, saying, “Your... ( added 144 days 3 hours ago.)

Money Flu Vaccine: Have You Taken Yours? - Mogama
I guess I missed the obvious financial message of the story in 2 nd Kings chapter 4, because I over-spiritualized the passage. True the passage is about a miracle, but in particular, 2 nd Kings 4:1-7 is a financial miracle. I will post several blogs on what I am learning from this important... ( added 144 days 12 hours ago.)

The Lender’s Power Over the Borrower: Three Examples from the Bible - Steven & Summer Wilson
God’s word is the same yesterday, today, and tomorrow. The three ways that the lender has power over the borrower were the same in the Bible as they are today. 1) The lender can harass and sue the borrower. Biblical Example ~ Matthew 18:23-30 23 Therefore, the kingdom of heaven is... ( added 150 days 16 hours ago.)

Borrowing Spree Like Shopping Spree: You Can Always Borrow More - RR Mogama
If you really want to, you can always borrow more. It's like this... Let's start with a more familiar spree. You take a quick trip to the mall to find one pair of socks that has to match your suit just perfectly. Nothing wrong with that...you just want to dress right. Before you know it, you... ( added 159 days 5 hours ago.)

The Envelope System Budget: What Goes on Each Envelope - Mogama
Isn't it strange sometimes how you learn something new about an old habit? Since 1996 – that's 14 years ago – my wife and I have been using The Envelope System as our preferred method of budgeting our income. If you are not familiar with envelope budgeting, it is where you... ( added 160 days 14 hours ago.)

The Case of a Desperate Mortgage Loan Officer - Mogama
At first, Republic Bank told us and reminded us of how certain they were that no other lender would give us a better loan than the three-year balloon they had crafted for us. Not only that...the loan was loaded with prepayment penalty in case we dared refinance with earlier than three years. ... ( added 165 days 14 hours ago.)

Process of Getting Home Mortgage Loan Involves At Least Twelve Players - Mogama
As part of educating us, while we were in the process of refinancing our home loan in 2010, we received a message from the guy we were dealing with at the mortgage broker. A list in the email contained twelve different persons or players involved in the process of borrowing... ( added 166 days 13 hours ago.)

Free Budget Sample, Free Budget Form to Get You Started on Your Written Plan - Mogama
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The Budgeting Process, Budgeting Steps, The Envelope System - Mogama
The simplest budgeting method my wife and I have used for about 15 years is nicknamed The Envelope System, which is a cash budgeting system. That's because each budget item represents an envelope that will have cash in it. We use a 6X9 brown envelope. Then we keep the envelopes in a Sentry... ( added 168 days 13 hours ago.)

Sponsor Page – Great Deals on Contact Lens - Mogama
1. Contact Lens : Lens.com offers a huge online inventory of brand name contact lenses with reasonably priced prices. Services include online order and shipping straight to you. 2. Contact Lenses – For the best prices in contact lenses including Acuvue, Biomedics, Focus, Frequency... ( added 169 days 4 hours ago.)

Lender Threats: Bank Threatens Borrowers with Law Suit on Mortgage Refinance - Mogama
It's no thrill when you and your spouse are five days beyond what the mortgage company said would be the closing date on your new home loan. After we faxed the latest demanded documents, the mortgage guy has just called back for two additional documents to verify what I said in my letter of... ( added 172 days 18 hours ago.)

Meeting the Underwriter's Demands. Powerful Lender, Powerless Borrower - Mogama
Meanwhile, the bank which has our current mortgage, which matured the first week of February 2010, has been bombarded me with email and phone calls to hurry up and show up for the closing on the wicked, balloon mortgage that have packaged for us. I kept replying them, telling them, “We have... ( added 174 days 20 hours ago.)

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