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An economic system characterized by private or corporate ownership of capital goods, by investments that are determined by private decision, and by prices, production, and the distribution of goods that are determined mainly by competition in a free market; this is the definition of Capitalism (merriam-webster.com).

It’s this system that gave birth to

Which banks are you working for?  A stunning statistic shows the nation’s biggest banks own 63% (up from 17% in 1995) of America’s GDP (Gross Domestic Product): http://finance.yahoo.com/news/Financial-Debate-Renews-nytimes-391084522.html?x=0.  If you’re like me, you’ve spent a countless number of months, years or decades paying banks like Chase (corporate headquarters photo below) and Bank of America.  So, where do decades of payments lead you?  Is there an end in sight or is it acceptable that pay day means banks get paid and borrowers will endlessly pay?

A recent story in the Sunday edition of the New York Times discusses  the nearly 30 year long financial fog (which, we’ve become very accustomed to) of cheap credit, low savings and a historically high dependence on banks.  As Wall Street recovers from the most economically shocking financial crisis since The Great Depression, it’s safe to say the days of  record low interest rates, easy underwriting and care free personal finance on Main Street are coming to an end.  

Is your world coming to an end today?  Maybe the answer is in daily activities; as fast as the average person hustles from one place to the next, chasing the accomplishment of another task on a different day, a “fly on the wall” could very well conclude most people  are rushing as though the world ends everyday while thinking as if life is forever….

How might “Super Mom” or “Determined Dad” beat the common cold and tend to the kids while on a laser sharp budget?  Below are a few ways:

As we say goodbye to the holiday season and another year passed , it’s the right time to