Tuesday, September 30, 2008

Bank Watch List

This is a follow-up article on the the last article I wrote on July 28, 2008. This is part of the "Is your money safe?" series. With the crash of the stock market, as everyone knows there are even more banks introuble.

Banks are supposed to be (FDIC) insured by the federal government, Credit Unions are also insure (NCUA). 90 bank watch list as published by The Bank Implode Meter, these are banks that have all been audited and written up for something. This list keeps getting longer. The government with the current bailout plan proposed will not be able to save all of these banks in trouble.

Level 3 watch Bank List.

  1. Fifth Third Bankcorp 9-30-08 (crashing)
  2. National City 9-29-08 (crashing, waiting on implosion)
  3. Morgan Stanley 9-26-08
  4. Bank of America 8-14-08
  5. Merryl Lynch 9-15-08
  6. HBOS PLC 9-19-08
  7. National City 9-04-08
  8. Bank of America 8-14-08
  9. Citigroup 8-07-08
  10. Sun Trust 7-22-08
  11. JP Morgan Chase (near level 3)
  12. Goldman Sachs (near level 3, may still come out alive)
Failed Banks/ Credit Unions List.
  1. Watchovia Bank 9-29-08
  2. Washington Mutual (WaMu) 9-24-08
  3. Ameribank, Inc., WV 9-19-08
  4. Interfaith Federal Credit Union 9-17-08
  5. Lehman Brothers 9-11-08
  6. Silver State Bank 9-5-08
  7. Integrity Bank, GA 8-29-08
  8. Columbian Bank and Trust, KS 8-24-08
  9. First Priority Bank, KS 8-1-08
  10. First National Bank of Nevada 7-26-08
  11. First Heritage Bank N.A. 7-26-08
  12. Indy Mac Bank Corp 7-11-08
  13. First Integrity Bank 5-31-08
  14. ANB Financial 5-09-08
  15. Carnation Bank 5-09-08
  16. St. Luke Baptist Federal Credit Union 5-07-08
  17. Hume Bank of Hume, MO 3-10-08
  18. Douglas National Bank 1-28-08
  19. Huron River Credit Union 1-19-08
  20. Green Tree Federal Credit Union 1-19-08
  21. Metropolitan Savings Bank 1-19-08
  22. Miami Valley Bank 1-19-08
  23. Net Bank 1-19-08
  24. Sharebuilders Federal Credit Union 1-19-08
  25. Freemont General
  26. Bear Stearns
  27. Northern Rock PLC
  28. Coast Bank

Tuesday, September 30, 2008 at 10:47 AM Posted by LayZDaisy.

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Friday, September 19, 2008

Daisy & the Neighbor's Cat

I thought I would post this picture because I thought it was a bit unusual. Typically cats do not run from Daisy because they are bigger than she is. Instead she gets beat up allot by the neighborhood cats because they think she is obnoxious when she barks at them. This cat is Dexter my neighbor's cat. Daisy at first wasn't sure if she liked cats or not. On this particular day she was growling and barking at Dexter, even trying to bite him occasionally. The way she does when she plays with other dogs. Dexter doesn't seem to mind that Daisy is even a dog. He comes over to play with Daisy frequently. The two of them are now good friends and will play hide and seek from each other. Who says you can't teach a dog to like cats?

Tuesday, September 16, 2008

Stock Market meltdown, planning for the future.

I have been writing about the banks in trouble. I wrote my first article "Is your money safe?" On Monday, Wall Street had a huge market crash of over 500 points. This hasn't happened since the Stock Market Crashed on 9-11. This should be a wake up call that our economy is in trouble. One of the major losses was AIG. AIG has been one of the leading companies for retirement funds. They are going to be bailed out.
What does this mean for you and me? This means that ultimately we will be paying for this through our taxes. Why should we have to pay for this? It is not our fault. Between bad investments and bad judgments of other parties that work for these companies that lose your money, they should be held accountable. A loss of this scale the Federal Government has decided to step in to bail out all of these companies that have made bad investment choices. We as tax payers do not have a choice. If your wondering where the Government gets this kind of money, it usually comes from one of two sources, they raise taxes to pay for it or it comes out of social security. At this point my Dad is at retirement age, his retirement has already been lost by bad investment choices of others, he cannot live on social security when it has already been cut. More and more senior citizens these days are looking for work just to make ends meet. The cost of living has forced many people out of retirement.

Today you can’t count on the Stock Market as a reliable way to invest your money. This is why it is so important to plan for the future. Many American’s live from pay check to pay check, it’s hard to put any money away. Saving money and having a reserve supply of food storage that will feed your entire family for a year, can be done. Looking at your budget you can cut back things you don’t really need and put away that money you would normally spend and use it towards a savings plan. You can cook more and go out less, stay in and rent movies instead of going to the theater. To save for food storage it’s not as hard as it seems. When you go the grocery store, you can buy one extra item a month to add to your food storage. When you need to use items from your food storage before it expires, replace it with the same item that is newer. Eventually you have enough items saved up for your family to live on for an entire year. It is very important now more than ever to stick to a monthly budget and set limits for yourself. This is one of the keys to becoming financially independent.

Thursday, September 11, 2008

A day of Rememberance...

Today is September 11th. It marks the anniversary of the bombing of the twin towers in New York City on September 11th, 2001. This tragic event caused thousands of lives to be lost. In memory of those who lost their lives all Americans that can should display an American flag. Our American flag is the fabric that bonds us together and represents our fight for freedom, that others in history have given their lives to fight. Our patriotism has pulled us through tough times. Display your flag as a symbol that we support those families that have lost loved ones by this tragedy, and make a statement that the Terrorist will not win.

What were you doing on 9-11-2001? I was working at the time at a large printing facility. My company printed commemorative posters of the twin towers. I have a select few limited edition prints that I have listed for sale. Proceeds will go to charity. Photograph taken by Evern T. Brown, from the observation deck on Tower 2 of the World Trade Center, January 2001. "One Nation, Indivisible." Measures 38" wide by 13.25" tall.

This is a high quality un-framed print $14.95, includes shipping.

Friday, September 5, 2008

How do you get paid to blog?

I had someone ask me this question recently. Have you ever heard that you have to have money before you can make money? I found this is absolutely a false statement. There are many scams out there on the internet that advertise writing jobs, they ask you to pay a membership fee and they make it look like they are going to give you work, when in actuality they only give you a list of jobs you have to bid on then don't really tell you how to get that job. There are many places on on the web that are looking for blog writers or article writers. Any on the companies you pay anything for up front are all scams.

Is it possible to make a living as a professional blogger? Yes, it is possible to make a living doing it. It may take some time to get to that point until you become a recognized authority on what you are writing about. All of the items I am going to tell you about are absolutely free. Here are some things that may help you on your way.

First there are some questions you should ask yourself...
  1. What is your "niche" the thing you like to blog about? (This is where the key lies in finding a work in what you like to do.)
  2. What is it that drives you?
After you answer these key questions first go to the following websites to get more information on blogging.
  1. Daily Blog Tips
  2. copyblogger
  3. If you don't already have one, open a free blog account.
Here are some websites that are hiring bloggers:
  1. Elance
  2. Guru
  3. Practical eCommerce
  4. Blogger Jobs
  5. ProBlogger
  6. Jobster
  7. Freelance Writing Gigs