How Can You Hit A Home Run In This Economy?

What is a home run to you in saving money or investing?

Is it having enough money to take care of an emergency if your car or truck breaks down? Is it knowing that if you lost your job that you could survive to find another job (even if it took 10 months to do so)?

When you find yourself challenged at work, is it because you are learning something new or is it because you are trapped in your work to pay bills that seem larger and larger in this economy today?

What if you used a new strategy to challenge and motivate yourself at work? What if you set goals specific to generating security for your family not related to your everyday expenses? You can do it.

A lot of people feel if they only had a financial advisor, they could pile up the money like the rich do. In truth, your best financial advisor is between your ears. YOU can learn about saving money. YOU can learn about investing in assets that produce more income and eventually wealth. But YOU have to educate yourself.

How can you hit a home run in this economy? How can you help your family?

What is the FIRST goal?

We think that is building 15 to 18 months of expenses in personal savings (a money market savings account and certificates of deposit – FDIC-insured). If you haven’t made savings a regular and steady part of your financial life, start with your next paycheck. Saving money from each paycheck is not an option. If you believe it is, check in with some of the people in the United States who lost their home recently.

You can save money from each paycheck. If you have to begin with our “1% Savings Plan,” DO IT. Begin now. It will add up faster than you think.

What about my goals for retirement?

We believe you should be in your 401k. If you cannot start by giving 20% to your 401k, then begin with a smaller percentage and up the percentage on a regular basis. It will grow faster than you think. In addition to your 401k, we believe you should have a Roth IRA or Traditional IRA that you steadily give to so that it grows as well. Remember: This is long-term money. You are literally trying to get your money “away” from you so it can grow over decades.

What about assets?

Once you have done these things above, you can begin to think about assets. Assets – by our definition – are those things that grow additional money without you having to do anything but own the “asset.”

Yes, you can do this.

Yes, you can.

Begin today. Take charge YOURSELF. Use what is happening in the economy as motivation. If you have a job, you can save money. Start. Begin. Get rolling.

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Your Four Steps To Boost Savings in 2010

We say it all the time: The only recession that matters is the one at your house. You’ve probably heard the news: We owe more to the Chinese than you or I can imagine (actually, more than a group of senators can spend).

Welcome to the saving and investing generation.

Here are the four steps to a better future:

1. Reduce and then eliminate credit card debt. If you cannot consolidate your credit cards (safely) into one card, start with the highest interest credit card. Pay the minimums on all cards but the highest interest rate card. The highest interest rate card should be receiving the most payment – much more than the minimum.

2. Make sure you have a proper emergency savings fund for 2010. That means having 15 to 18 months of expenses in a money market savings account or certificates of deposit (make sure you are using an FDIC-insured institution). If you don’t have 15 to 18 months of expenses in savings, set it as your goal and start toward it. Check out our “1% Savings Plan” in previous blog entries for details on how to get their quickly.

3. Work to use any excuse to remove money from checking and push it to savings. Checking accounts are money laundering accounts for other people’s money.

4. Use coupons and negotiate, but only use coupon on things you normally purchase or really need (using coupons otherwise is marketing – not saving). When you save 10% on an item, pull the 10% out of checking and put it in savings. If you don’t actually save the money, you are actually saving NOTHING.

You can save more than you think. You can get ahead. You can help your family in this economy.

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Is It Your House On Fire Or Your Neighbors?

People say it all the time. “Our home is our biggest investment.” Really? Your home is your biggest liability. What if you had no mortgage? What if your home was paid off? How much would that relieve you of worry?

Most Americans should consider the size of their home or when it is proper to rent and save and when it is part of a good plan to purchase a home. Otherwise, it is a bit like buying a house that is already on fire. You might love your home, but having a huge mortgage is like a noose around your neck.

Keep in mind that we are pro-home ownership, but we only believe you should take that step when you are ready.

So, how can you be ready?

Pay down your debt. Work to eliminate debt. Save 20% of your after tax income in each paycheck. Do more than that if you can. If you have a job today, you should be saving money. It should not be optional – if you want a future.

Do your research. Check out past blog entries on this blog on our “1% Savings Plan.” Research other ways to literally stockpile money in FDIC-insured money market savings or certificates of deposit.

Prepare yourself with a significant down payment on your home. Purchase a home that is below your means. This will allow you to be more in control of your actual lifestyle.

Work to build assets (true assets that build themselves like stocks with dividends).

Learn all you can about money, saving money, investing. Build your own plan to save and invest regularly.

You can do this!

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

The Easy Button For Saving Money

The office supply place doesn’t have “an easy button” for nothing. Why? Because everyone wants an easy button. The same is true for saving and investing. While slow and steady really does win the race, everyone wants “an easy button” so they don’t have to think about it – they can just be rich.

The truth is – like life in this economy – more complicated. But it’s only complicated if you want it to be.

Let’s look at “the easy rules:”

- Pay yourself first.

Okay. How was that? Too easy? What the heck am I talking about “pay yourself first?” How are you supposed to do that with unexpected expenses and credit card debt and all the things that “just happen” in your adult life? And how do you do it without killing your lifestyle or causing a shock to your life?

THE 1% SAVINGS PLAN

Start with our “1% Savings Plan.” Take your next paycheck and look at the after tax amount of your pay. Before you pay any bill or spend anything, take your after-tax pay and multiply it by .01. This is the beginning of your savings. Then, each paycheck after the first one add an additional .01. So, the next paycheck you will multiply your after-tax paycheck by .02. This continues until you reach 20%.

BOOST YOUR MONEY

Spend an hour of your personal time this week researching additional ways to save money (this can be as simple as coupon codes for things you normally purchase or it could be additional ways to make money outside of your day job). Your employer invest in you at work; invest in yourself at home for your family.

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

The Easy Way To Save Money

Do you have an easy way to save money?

We always say “Good things and bad things happen to everyone.” Yet, many still look at the model of having 3 to 6 months of expenses in emergency savings. If that is what you depend on as a fall back, how come it is the same number “they” recommended in 1974?

The world has changed. Shouldn’t your savings also change?

This is the new standard for emergency savings: You should have 15 to 18 months of expenses in emergency savings.

No, you can’t do that quickly, but savings will build faster than you think if you develop your own strategy for regular and automatic savings.

Think about this:

1. If you lose your job, how long might it take you to get a new job in this economy?

2. When you get a new job, will you be able to replace your income or will you become one of the millions of underemployed?

3. Are you really prepared for emergencies?

Of course , there are many other emergencies that could require you to have emergency savings, but you get the idea of why we can’t all live back in 1974.

There are easier ways to begin saving if you are not saving already.

1. Use our “1% Savings Plan” to jump-start your emergency savings (see past blog entries for details).

2.Build your emergency savings FIRST with automatic withdrawals from your paycheck (check with your employer about deductions and start with a comfortable per paycheck amount). This will allow you to “pay yourself first.”

3. Join your company 401k plan (if you have one). Steady contributions to a 401k plan will insure you have a plan later in life. You’ll be glad you did. Remember that a 401k or other savings plan is a long-term strategy.

4. Think about additional ways to generate money outside of your day job solely for the purpose of generating additional savings. Don’t use this money for anything else but savings or investing.

5. Spend an hour a week seeking out ways to save additional money. You can use the internet, but look for ways to save money WITHOUT having to spend money. Remember: If you don’t understand it, it’s not for you. If you have to spend money to save, it’s not for you. If you have to give someone money to help you make money, it’s not for you.

You can save money if you focus on it. However, you will want to focus on learning first, saving emergency savings first and building your savings one step at a time.

HELPING YOUR KIDS GET AHEAD

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

What Is 1% Worth To You?

You should be saving 12 – 15% of your after tax income. That’s not per year. That’s per paycheck. Of course, the younger you begin doing this, the better off you are in the long run.

How do you get to this magical 12 – 15% if you are saving basically nothing from your paycheck because you don’t believe you make enough to save or you feel that you have too many bills or you have things that come up (emergencies)?

We all hear the high and mighty talk about “paying yourself first.” It is a lot easier to say than do, right?

Depend on yourself to make a change in the way you handle money beginning with your very next paycheck.

Start with our “1% Savings Plan.” Yes, you can even do this during the holidays and the holiday shopping season. Go ahead. Give it a try.

1. Take your very next paycheck. Look at the after tax amount. Take that amount and multiply it using a calculator by .01. Take the amount of your answer and move it from your checking account to a savings account (an FDIC-insured money market savings account).

2. Then pay your bills and live your life as you normally would.

3. When you get paid the next time after that first paycheck, multiply that after tax amount by .02 and take the result of this calculation and move it to savings BEFORE you pay any bill. Then, go on living your life as normal.

4. Each paycheck should result in moving the percentage saved up .01 until you have reached .15.

This allows you to move regular savings into your life without killing your lifestyle.

You can do this!

MAKE MORE THAN MONEY COUNT

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

The 9 New Rules Of Christmas Shopping

What? You can’t save money during the holidays? Of course, you can! But WILL you?
It all depends on if you follow the rules or let it slide.

1. Make a list of all your gifts for purchase during the holiday season.

2. Make a budget for all your gifts for purchase during the holiday season.

3. Compare brick and mortar stores to on-line retailers and watch for sales and use-of-coupon opportunities. If you go the on-line route, calculate shipping in and compare “out the door” or “to your doorstep” pricing.

4. Search the internet for coupon codes.

5. Make sure when using coupons that the deal is actually a deal – not marketing.

6. When shopping, plan ahead and don’t make other purchases. Stick to what you planned and don’t even buy that if the deal is not what you expect (or better).

7. Negotiate on everything. Think outside-of-the-box. Sometimes you can get retailers to throw in something additional when you make a purchase.

8. Look to give smaller gifts (like magazine subscriptions) that impact an area of interest for someone and have a benefit all year long. These cost less and save you money and give a gift that keeps on giving all year long.

9. HERE IS THE SAVINGS: When you use coupons, coupon codes, comparing or other means to save a percentage off of what you would have spent, PUT THAT MONEY in actual savings. If you don’t, you are saving NOTHING.

MAKE MORE THAN MONEY COUNT

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Re-Thinking How We Save Money Today

Most people focus on how much money they “make.” Others (often the same people) focus on how much money they deposit in their checking account.

Here’s the problem with that:

1. The money you make working for someone else is a fraction of cost of doing business. It is really a small amount when compared to what your productivity is making the company you are working for today. This is code for “you never get rich working for other people.”

2. Your checking account is a money laundering account for other people’s money. This is not a “value” account.

Still, some like to focus on how much money they are saving or the simple fact they cannot save large amounts of money because of unexpected expenses or other variables that can get in the way of a steady stream of savings.

You should not focus on how much money you are saving. That is an easy ticket to becoming overwhelmed.

Instead, focus on what percentage of your after-tax income you are saving on a regular basis. Focus on percentages you save negotiating on a purchase your ordinarily and regularly make (and then put the percentage you saved in actual savings).

Focus on real savings with coupons. Compare a price with coupon and the units you are receiving for your money with a non-coupon sale or regular sale price elsewhere. Compare on-line (with shipping or without if you can get it) pricing to store pricing. AND ALWAYS put the percentage you saved in real savings.

These are tricks that can help you boost savings faster than you think.

MAKE MORE THAN MONEY COUNT

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Which Way Did The American Dream Go?

Which way did it go? You know, your financial life. You grow up. You get involved in work. You get married. You have children. Then, you wake up one day and feel you can’t get ahead.

It’s hard out there. Families struggle to pay bills. The jobs are not what they used to be. Unemployment is over 10%. Unexpected expenses come up. Health issues.

We like to say that “good things and bad things happen to everyone.” If you think about that statement, you will come to see that SAVING IS NOT OPTIONAL.

Okay, so we all know the bad news. Here’s the good:

If you own an automobile, you are among the richest people on Earth.

And YOU can save money if you have a job.

While a lot of experts suggest that you must “pay yourself first,” the truth is that many find this very difficult to actually do.

We want to make it easier. Since we cannot come to your house and help, we thought we would suggest you take the leap of faith yourself and take specific actions to increase your savings and put your family in the direct path of wealth-building.

1. Boost your savings by using our “1% Savings Plan.” Start with your next paycheck. Multiple the after tax paycheck by .01. Take that amount of money – before you pay any bill – and put that money in savings. Then, each paycheck after that you will add another 1% to the amount you are saving until you reach 20%. This allows you to increase your savings slowly, and it will happen a lot faster than you think.

2. Look at each bill you receive. Call the company that sent you the bill. Tell them you have been hit hard by the recession and financial crisis and ask them to help you reduce your bill by 10 – 15% so you can remain a customer. Be open-minded when they make suggestions. Take any percentage saved and push it out of your checking account into an actual savings account.

3. When you shop, negotiate on everything. Focus on concessions from merchants. You don’t have to buy a specific item at a specific store or on-line outlet. Look for the best price and negotiate. Anything you save, put the amount you saved in actual savings. This will give you more “forced savings.”

4. Use coupons on the items you normally purchase. When you do this, put the actual amount you save in SAVINGS. Every single time.

Keep in mind that we have some basic rules:

1. If you don’t put the money you are saving in actual savings, you are not saving.

2. If you use coupons for those things you normally purchase and don’t compare the unit price vs other non coupons, you may not be saving. YOU MAY ONLY BE PARTICIPATING IN MARKETING.

3. Your checking account is a money laundering account for other people’s money. Do anything to move money from checking into a savings vehicle. Make sure your savings vehicle is FDIC-insured.

4. Don’t focus on how much money you make or how much money you save. Focus on what percentage of your after-tax income you are saving each paycheck.

5. Do all you can to reduce debt and then eliminate debt. Debt (especially credit card debt) is the # 1 wealth-building impairment to middle class families today.

If you are ready to take these steps, you are ready to build your savings and eventually your wealth. The sooner you start saving, the better your family will be.

If you’ve not heard our recommendation for emergency savings, you need to hear it. It’s not 1984 anymore. So, we recommend you have a 21st Century emergency savings fund. That means having 15 to 18 months of expenses in a money market savings account or certificates of deposit.

You can do this!

MAKE MORE THAN MONEY COUNT

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

1 In 10 Americans Unemployed & You Should Be Careful

This holiday shopping season never go to any store without going on the internet and typing out the word “coupon” or “coupons” in their search menu. If you do, you are volunteering more of your money. More tips coming right up below.

1 in 10 Americans are out of work. By the way, another 17% or more of Americans are “underemployed.” That is slang for messed over and stiffed.

Do you still have your job?

Are you saving money?

The average American should be saving 20% of their after tax income. Most are not.

Negotiate on every single thing you purchase – I don’t care what it is. Consumers drive 70% of this economy. USE YOUR POWER.

Take the money you saved negotiating and move it from checking to an actual savings vehicle. If you don’t, you are not saving anything.

Remember: Your checking account is a money laundering account for other people’s money.

What you make is important, but it is not important in terms of your overall wealth-building process. Let me tell you what DOES matter: What percentage of your after tax income are you saving in EACH paycheck? That matters.

You know the formula: reduce and eliminate debt + save automatically.

How do you save when you have unexpected expenses? You must be committed. That means walking when you can’t get a retailer to negotiate. If they don’t do coupons, you have the right to walk, too.

Look for opportunities to have a scaled back ($) Christmas….but a more meaningful Christmas. Save the money. Get gifts that really mean something, but purchase less.

You owe the economy NOTHING. We all hired Obama (and all politicians) for that. Your job is your FAMILY BUDGET and saving money. If you are not doing that today, you are sliding down a slippery slope. Don’t allow that to happen to your family.

Take charge! You can do this!

MAKE MORE THAN MONEY COUNT

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com