finance

Quick Banking Tips!

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credit-vs-debit-2While shopping this holiday season, remember that the Federal Reserve is closed on the holidays. Why does this matter, you may ask yourself. Well, here is why it matters:

  1. Signing for your purchases (choosing credit): When the Federal Reserve is closed, your transactions are not posted to your bank account or credit card in real-time. Basically it’s delayed until the next business day. So the money in your account from Friday isn’t the money you will have after Monday. You must deduct all of your receipts from your shopping adventure BEFORE you spend another penny to be sure that there is enough money to cover those gifts. If you have already done this- great, you should be set.
  2. When using debit (entering your PIN), the money is deducted immediately (real-time) and shows as pending on your account activity. This is the best option in my opinion; however, that choice is yours’ to make. So, if you choose to use method number (1), just follow the instructions provided.
  3. Balance your register (checkbook)- this will determine if you’re on point with your spending from the start and after the bank has updated their systems with all your holiday shopping. In this instance, on Tuesday night.

The most important thing about this post is to prevent insufficient fund fees from hitting your account. Being mindful of your spending habits/triggers will help to relieve anxiety before, during and after the holidays. Trust me, your friendly customer service representatives at the bank will thank you. winkingsmiley

My years of customer service training is definitely serving its purpose and I appreciate the opportunity to share with you some of my experiences in finance. Thanks for reading, remember to like, share, and/or comment!

Happy Holidays! See you next year. Until then..

Wishing you and yours peace, love, and prosperity

ET

*featured image credit to rightful owner

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A Work in Progress

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img_20160804_204054Greetings!

 

Embarking on a new project is always intimadating,  but I love challenging myself. For the past few months, I’ve traveled across states and released my book Journey into Finance in several libraries. Staying true to my purpose of helping to increase financial literacy, I’ve also donated to residents in correctional facilities. My intention is to encourage and empower others to believe in their dreams and never give up on themselves.

Scrolling through my feeds, i came across this here: “There are Four Levels to becoming your greatest version” – Ralph Smart

Giving some thought to the above statement as I begin the next chapter of my new book.

The first thing is observe our habits. How are you treating yourself. Selfcare is vital. I often say, “if I knew then what I know now…”, as a cliche but I can’t go back in time so I pass it forward.

What I ask myself:

What are the four levels?
What level am I on?
How can I be the best version of Me?

OK I’ve watched the video and now know what the four levels are, according to my instructor. I also recognize what level I’m on. The task at hand is putting it all into action to become my greatest version.

Giving praise and honor to the Most High is my acknowledgement to get ego out of the way. I am a mere mortal, not immortal. I have a beginning and an end on this earthly plain. My soul will transcend. My legacy is what I create/birth/bring forth to leave behind and it will continue through my progeny, until the end of time.

I have a blueprint of the past and present to guide my future and it’s beautiful. Something that may only be realized after I’ve transcended because that is usually how the mind works. We never seem to appreciate the impact of a person until they’re gone. Truth.

So, to my progeny- use my knowledge, think for yourself and create your own destiny, good or bad. The consequences of your deeds are a reference for yourself; therefore, choose your mate and your path wisely. Your word will become your truth/bond, respect it.

If you have a dream, work at it earnestly. Learn as much as you can about it, and put that knowledge into practice. Enjoy life and the finer things in moderation, never bite off more than you can chew, live within your means, eat healthy, give in charity, and smile through it all because things could always be worse. Be grateful and believe in yourself. Have a wonderful life…make it so.

Peace, love, and prosperity.

ET

 

 

LIVING THE LAW OF EXCHANGE

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Greetings fellow readers and followers,

I hope everyone is doing well and living in their greatest version of self. I’m Living the Law of Exchange. What do I mean by this statement. Well the other day, I went to the corner store to get change for a Benjamin. I had to spend at least $10 dollars. So I walked around the store to see what they had to offer in my neighborhood that was worth my ten dollars. To my surprise they had a good variety of healthy snacks. I purchased a few and picked up a few personal favorites like Dove body wash, an herbal drink, and some GoodSense snacks (nuts with dried fruit). I took my items to the register and said, “is this ten dollars worth?” The guy at the register said it was close enough. So, he gave me change that consisted of a Grant, two Jacksons, and a Washington.

money is energy

By now, another customer had picked up a case of beer and brought it to the counter as well. So, I’m taking my change and ask the guy next to me in line-

Me: “Who’s on the $50 dollar bill?”

I begin counting down like we’re on ‘Who wants to be a Millionaire?’

Me: “3, 2, 1…” waiting for his response- he’s thinking really hard. But I could tell he really just wanted to pay for his merchandise and go.

Guy: “I can’t even remember ,cause I don’t ever have that kind of cash in my pocket”-

Me: “Grant! Grant is on the Fifty.”

I walk out the store, analyzing the interaction, because I believe there is a lesson in every situation and thought I’d share this with you.

I too didn’t know who was on the fifty dollar bill until I looked at one in my hand. Since the above encounter, I’ve had two more Grants and each time I give one away, I receive another. That’s what I mean by “Living the Law of Exchange”. I also have a Jefferson that I hardly every get and it’s because I am holding on to that Jefferson like I won’t get it again. In order to receive, you have to give- law of exchange. Money is another form of “energy” exchange. What you give away freely without hoarding, comes back to you ten fold. Just remember that and if you don’t believe me, try it.

So, here is a list of former presidents [or not] appearing on currency you may carry around in your wallet:

U.S. Paper Currency And Presidents (Faces) On Bills

(Note: Some Of Faces On Dollar Bills Were Not Presidents)

Pictures Of Bills

 

President on $1 one dollar bill: George Washington

George Washington is also on quarter dollar coin.

$1 bill
Picture of $1 dollar bill

President on $2 two dollar bill: Thomas Jefferson

Thomas Jefferson is also on nickel coin

$2 bill
Picture of $2 dollar bill

President on $5 five dollar bill: Abraham Lincoln

Abraham Lincoln is also on penny one cent

$5
Picture of $5 dollar bill

Face on $10 ten dollar bill: Alexander Hamilton.

He was not a President.

$10
Picture of $10 dollar bill

President on $20 twenty dollar bill: Andrew Jackson

Andrew Jackson is also on one dollar coin

$20
Picture of $20 dollar bill

President on $50 fifty dollar bill: Ulysses S. Grant

Grant is on fifty cent coin

$50
Picture of $50 dollar bill

Face on $100 one hundred dollar bill: Benjamin Franklin. He was not a President.

Benjamin Franklin was on half dollar coin from 1948-1963.

$100
Picture of $100 dollar bill

President on $500 five hundred dollar bill: William McKinley

William McKinley is on gold dollar coin

$500
Picture of $500 dollar bill

President on $1,000 one thousand dollar bill: Grover Cleveland

Most expensive $1,000 bill: Grand Watermelon – sold at over $2.2 million at auction!

$1,000
Picture of $1,000 dollar bill

President on $5,000 five thousand dollar bill: James Madison

James Madison is on one dollar coin

$5,000
Picture of $5,000 dollar bill

Face on $10,000 ten thousand dollar bill: Salmon P. Chase.

He was not a President.

$10,000
Picture of $10,000 dollar bill

President on $100,000 one hundred thousand dollar bill: Woodrow Wilson

$100,000
Picture of $100,000 dollar bill

$1,000,000 dollar bill – does not exist – only promotional bills

[Photo credit: http://www.marshu.com/articles/presidents-on-us-united-states-paper-bills-currency.php]
$1,000,000
Picture of a promotional $1,000,000 dollar bill

 

 

Thanks for reading, remember to like, share, and/or comment. Until next time…

Wishing you peace and prosperity,

ET