Take Action to Improve Your Financial Situation in BARNSTABLE MASSACHUSETTS
By Katie Bryan, America Saves Communications Director.
America Saves Week, February 24
March 1, 2014, is a time to review your finances, decide what you want to
save for, and set up a system that will allow you to save automatically. Thats
why the America Saves Week theme is Set
a Goal. Make a Plan. Save Automatically. Did you know that only half of
Americans report having good savings habits? Even if you are already saving,
its good to take a look at your goals and decide if you can save more or start
a new savings goal. Join thousands of others who are pledging to pay down
debt, save money, and take financial action during America Saves Week.
Not sure what to
save for or what to save for next? Here are the most popular saving goals
of those who have pledged to save through America Saves:
· Save for Emergencies - Only 37 percent
of low-to-moderate income households have a savings or money market account at
a bank or credit union and nearly a quarter of savers who have pledged to save
have chosen emergency savings as their first wealth-building goal. Learn
· Save for Education - Saving for
education is the second most popular goal savers select when they pledge to
save with America Saves. There are many different things to factor in when
saving and paying for college. Learn
· Pay Down Debt - Getting out of debt is the #3 goal
Savers select when they pledge to save. That does not come as a surprise since
a 2012 survey found that 45% of families
with annual incomes under $50,000 rely on credit cards to pay for basic needs
such as rent, utilities, insurance and food. Learn
· Save for a Home - For decades, home ownership has
been the main path to wealth for most Americans. Today, home equity - the
market value of a home minus the balance on any home loans - represents more
than four-fifths of the typical family’s wealth. Learn
· Save for Retirement - Retirement
savings is a top priority for many Savers. Saving for retirement now will
ensure that you have enough money to maintain a comfortable standard of living
when you stop or reduce the amount of hours you work. Learn
Not sure how to
save for your goals? Here are some saving strategies to help:
· Save Automatically - The easiest and
most effective way to save is automatically. This is how millions of Americans
save at their bank or credit union, and how millions of employees save through
401(k) and other retirement programs at work. Learn more.
· Save at Tax Time - Do you spend weeks eagerly
anticipating your tax refund? When the money finally comes in, is it gone
tomorrow? Many people view tax refunds as unplanned bonuses. They see the money
as a gift from the government, to use for splurges or treats. But a tax refund
provides the opportunity to improve your financial situation. Learn
the America Saves Pledge (or re-pledge) today to set your savings goal and
make a plan to save. When you take the pledge you can also choose to receive
text message tips and reminders to help you save for your goal. And dont
forget to follow America Saves on Facebook
America Saves Week is coordinated
by America Saves and the American Savings
Education Council. Started in 2007, the Week is an annual opportunity for
organizations to promote good savings behavior and a chance for inpiduals to
assess their own saving status
BARNSTABLE MASSACHUSETTS tspan:3m
What do you think about "clemency" being aplied to criminals in BARNSTABLE MASSACHUSETTS?
Based on its commitment to address issues of injustice in judgment, President Obama awarded 22 commutations today people serving time in a federal prison. If they had been condemned by the current laws and policies, many of these people would have already served his time and paid his debt to society.Because many were convicted under a regime of obsolete sentence served years - in some cases more than a decade - more than individuals convicted today for the same offense.
In total, 22 commutations granted today underscore the President´s commitment to use all the tools at their disposal to achieve greater justice and fairness in our justice system. We further demonstrate how the exercise of this important Instituition can remedy imbalances and correct errors in judgment. Added to its previous 21 commutations, the President has granted 43 switches in total. To put the actions of President Obama in context, President George W. Bush commuted 11 convictions in his eight years in office.
To further this progress, the President has established a leniency to encourage people who were convicted under laws and policies obsolete switch request initiative. In his address, major reforms have followed, including the enactment of new criteria for potential candidates switching to satisfy even those who pose no danger to public safety, have a clean record in prison, and have been convicted in out of date laws. The Department of Justice has raised awareness about applying switching to ensure that each federal prisoner who believe are worthy of this second invaluable opportunity have the opportunity to ask for it.
Emphasizing the responsibility that brings a switchover, the President wrote a letter to each of the 22 people who received clemency today, recognizing its potential to overcome the mistakes they made and encourage them to make good decisions moving forward.
While today´s announcement represents a major advance, there is more work to delante.La Administration will continue to work to thoroughly review all requests for clemencia.Y while switching is an important tool for those seeking justice and equity in our criminal justice system, it is almost always an option of last resort, which comes after a long trial and years behind bars. That is why President Obama is committed to working with Democrats and Republicans in sensible to our criminal justice system aimed give judges greater discretion over mandatory minimum sentencing reforms. As the Department of Justice has pointed out, sometimes mandatory minimum sentences have resulted in more severe penalties for nonviolent drug offenders that many violent offenders and are not necessary for processing at this level.
Now, a major reform became law. In 2010, the President signed the Fair Sentencing Act, which reduced the disparity in the amounts of powder cocaine and crack need for the imposition of mandatory minimum sentences. The President is encouraged by the bipartisan support for improving our criminal justice system, including the promise of legislation to implement front-end changes in sentencing.It also supports bipartisan efforts to provide back-end support through education and work better training for those currently incarcerated and reforming our juvenile justice system to build on the significant reductions in the number Youth held in secure facilities.
Ensuring fairness in our criminal justice system will require ongoing efforts to invest in the types of programs that help prevent individuals turning to crime, such as education and employment, as well as changes in our sentencing laws to ensure that the punishment really fit the crime. As we work to make those improvements, the President will continue to use its authority leniency in certain cases where justice, fairness and proportionality so require, and give eligible and worthy people who have paid their debt to society the opportunity contribute in the sense ways.
The Internet has changed the way we live, work and even as bought. The advance of the Internet has made it possible to compare prices and buy products without having to leave the house. But when used for medicine is important to be very careful. Some websites sell drugs that are not legitimate, putting their health at risk.
The following information will help protect (a) if you purchase medicines via the Internet: