Republicans and Democrats know that deficit spending is a problem, but yet the deficits continue. The government pays for deficits by borrowing, taxing and creating money. Rand Paul says that there is real danger of inflation due to recent increases in the money supply. Part of a series of documentary videos about Wendy as she explores the 2010 Senate race in Kentucky. www.wendymacy.com http

Huge deficits and skyrocketing debt levels are creating considerable worry. This Center for Freedom and Prosperity Foundation video explains that that government borrowing is excessive – and will get worse in coming decades. But this mini-documentary explains that deficits and debt are merely the symptoms, and a rising burden of government spending is the real problem.

Nick Gillespie of ReasonTV. And please visit stopspendingourfuture.org for more information and to find out what you can do to help! Note Crisis spending numbers are based on the following report: www.bloomberg.com Since the report’s release, the Fed has spent hundreds of billions more, driving up total spending to the levels shown in this video. Correction: Bear Stearns was bailed out in March 2008, not September 2008. … economy “government spending” crisis debt deficit budget tax day tea …

Recently TNS media intelligence released a report on total US advertising expenditures during first half of 2009. According to the report, US advertising expenditures declined by 14.3% for the first half of 2009 over the same period in 2008 and reached $60.87 billion. Moreover, advertising spending during the second quarter of 2009 declined by 13.9% compared to the same period of 2008. This is the fifth consecutive quarter that depicted a decline over the same period in the previous year.

Media Wise Ad Spending
Across all the advertising media, Internet Display ads (+6.5%) and FSI’s (+4.6%) were the only categories that showed positive expenditure growth. Other media such as Print declined in large values within its subcategories and resulted in aggregate decline of 24.2% for Newspaper media and 20.9% for Magazine media. TV segment also portrayed an overall decline of 10%. In addition, total spending in Radio media was down 24.6% due to ongoing weakness in automotive, retail, and local service businesses.

Category Wise Ad Spending
The ten largest advertising business categories spent nearly $34 billion, a drop of 14.5% from 2008. Among the top ten advertising categories, Telecom (7.5%) and Restaurants (0.6%) maintained positive trend in during the period. The top categories that had negative trends are Automotive (top spender on advertising by category) declined 31.1%, Financial Services by 24.3%, Local Services & Amusements by 15.8%, and Direct Response by 14.3%.

Ad spend on Internet and Increased in Pharmacy Industry
Drugmakers cut consumer advertising for prescription drugs by 7.8% to $2.3 billion for the first half of 2009 over the same period in 2008. During the same period, spending on TV advertising down by 6% to $1.5 billion, Magazine ad spending dropped 20% to $610 million and newspapers ad spend dropped 33% to $49million. However, spending on Internet increased by 205% to $119 million, along with Radio by 83% to $17 million.

Overall, spending on Internet advertising during the first half of 2009 compared to the same period of 2008 is notable. Biggest traditional advertising media such as print and TV is on the quick slide, where as the new and innovative categories such as Internet and free standing insert advertising are gaining popularity.

With a home based business, the principal base is at home! The internet presents an immense prospect of connecting to millions of people globally and through this way, you are also able to tap to the various job opportunities that can be found on the internet and done at home. The internet is a vast communicational channel, a promotional vehicle, and a great research tool.

The internet presents a market place for home based businesses that are realizing the existence of electronic commerce. Mostly certainly, you will be at home and making money online thus, you will have more time for your family and friends. One of the main advantages of a home based business is that you are able to have job satisfaction without worrying about getting ready every morning for a regular job. People are making more decisions every day to quit their regular jobs and work at home for various reasons. Some of these reasons include; desire to spend more time with your family, losing a job, lack of satisfaction with a current job, the need to make that extra cash to pay bills or simply the feeling of being one’s own boss. Other people turn to home based businesses simply because they are not making sufficient money in their present job. While others want to start that home based business because it is a call and have always wanted to have a job of their own at home, where they can retire.

Today we are in a different economy as compared to some years back and home based business industry persists to thrive. Most families who operate their own businesses at home are able to have more time together as this allows them to travel for holidays. Most certainly, such families do have financial control and are able to manage their time. A majority of fathers and mothers who have home based businesses or work at home have a huge influence in the lives of their children. These parents who work at home are capable of taking care of their children and at the same time make money in the process.

A home based business can change your life where you can have more time for yourself and your family, providing an environment for personal and financial development. You shall also be able to fashion your own standard of living without anyone having to dictate to you when what to do. Therefore is a great time for you to generate your own income to any degree. This is the time to take be in charge of your money from the hands of others and taking control of your finances. You will also be able to make up your mind on where you want to reside instead of your job dictating where you are going to live! You will have time for vacations with your family as you make more money at home.

A home based business will help you devote more time with your family, it will improve your marriage and you will have more time with your kids. Therefore, in order for you to get your business to work for you it is important that you involve your family keeping in mind the needs of your family. Though setting goals for a home based business is important you should not let these goals dictate your life.

Are you saving for retirement or are you letting the government save for you? Are you currently collecting Social Security? How do you use the money? What things do you have to go without? What is your plan? After asking yourself these questions ask your self this: Could Savings Highway be the solution to your retirement woes?

If you want to keep up your current standard of living as a retiree, the rule of thumb is that you’ll be spending monthly at least 80 percent of what you’re spending now, that other 20 percent you won’t be spending accounts for work-related expenses: gas or public transportation fares for your commute, dry cleaning bills, lunches and such. If you plan to travel, play more golf or spend your summers on a houseboat, you’ll quickly make up that 20 percent you thought you were saving by not working.

There’s a big difference in planning for a 20-year retirement and a 40-year retirement. Perhaps the most important factor when calculating how much you’ll need is how early you want to retire.

One way to get started on your early retirement budget is to use one of the many free online retirement calculators to figure out how much you’ll need in net worth to retire at a certain age. But the only way to know if your planned retirement spending will work is to try a dry run. Try to live for three months on the estimated monthly amount that you hope to live on when retired. If it’s not working now, it definitely won’t work when you factor in increased healthcare and insurance costs.

You can try to keep up with the “Joneses” or you can do things the right way and yes, it can be difficult for some but it doesn’t have to be that way. Be a little more frugal. Pay yourself first, and most importantly take advantage of the many benefits Savings Highway has to offer. Working online and showing people how they can save money on things they buy daily and by showing them how to make money in the process has become MY focus and quickly showing me that this is my solution to my retirement woes. Anyone can do what I am doing if they just apply themselves.

Saving for retirement in the good ole U.S.A. wouldn’t be so difficult if we didn’t have to spend our entire pay check as if there’s no tomorrow. As for me, I’ve got a plan and it doesn’t include working full-time past 40. I’m 34 and although retirement seems far away, it will be here before I know it. I will retire earlier than most because I planned for it! I have made my decisions and strive towards my goals.

You won’t be hearing “Oh woe-is-me” coming from this gal!

If you are looking for a solution to your retirement woes, you know how to contact me.

To Your Savings and Success

About Author
It is my mission to educate people and bring savings and financial wealth everywhere! http://thesavingshighwayclub.savingshighway.com Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Online holiday spending has reached nearly $21 billion, representing a 4 percent increase over last year, according to the latest report from comScore.

The most recent week ending December 13 reached $4.74 billion in spending, ranking as the heaviest online spending week on record. The previous high of $4.70 billion happened during the week ending December 16, 2007.

“This most recent week began with five consecutive strong online spending days surpassing $700 million, followed by a fairly upbeat weekend,” said comScore chairman Gian Fulgoni. “Six weeks into the online holiday shopping season and with a cumulative growth rate of 4-percent, we are tracking slightly above our forecast of a 3-percent growth rate versus year ago, which appears to be partially attributable to continued heavy promotional activity among retailers.”

“Though early reports indicated that retailers had pulled back on inventory this season and would not be discounting as heavily late into the season, data from Shoplocal.com show that online retailer promotion activity is continuing at a high rate with the number of offers in the last week up 21 percent versus year ago.”

comScore says for years there has been a perception that Cyber Monday is the heaviest online spending day of the year. In fact, Cyber Monday represents the first major uptick in online holiday spending, while heavier spending continues to build until mid-December.

In 2007, eBay and PayPal suggested that online spending actually peaks on the second Monday in December and called it “Green Monday.” Monday tends to be the heaviest online spending day of the week, because holiday spending is till dependent on work-based online shopping and because people tend to be in the office longer hours on Mondays. This year, “Green Monday” fell on December 14 and is likely to be the heaviest online spending day of they and possibly all-time.

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Many people simply dont realise just how much they are spending in ATM fees. This is just wasted money that would be far better in your pocket than being siphoned off to your banking institution. Making a few changes in your spending habits will put this money back where it belongs. Firstly, find the correct ATM for your banking service. ATM fees go sky-high if you use an ATM that is not specifically for your bank or credit union. It may be inconveniently located, but it is worth the effort of an extra walk to save those ATM fees. Secondly, withdraw a larger amount. This will save you going back yet again to the ATM for another withdrawal and another ATM fee. Watch that you don’t actually spend this extra on unnecessary goods, but keep it for your original purchases. Otherwise you may find that you still have to go and get more. Being discipline in your spending is a good thing. You can count up your bills and withdraw just enough money in one hit to pay them all in one go. This means that you will only have to pay ATM fees once instead of several times. Thirdly, you could go into the bank to withdraw your money, though you will still need to watch the number of withdrawals you make per month in case an extra fee is charged. Fourthly, you could get a cheque account so that you can pay your utilities with a cheque instead of by withdrawing cash from an ATM.

Mel writes about atm fees among other finance related topics.

Article Source:http://www.articlesbase.com/finance-articles/how-to-avoid-atm-fees-1571808.html