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Pocket Change
August 2010 Volume 2 Issue 8
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 Your gifts keep our programs free! |
Not on our list. . .
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Be an Advocate!
Spread the word about the Purses to Portfolios program. Help us grow The Money School Community of Learners!
It's better to do nothing with your money than something you do not understand. You are your own financial planner... Learn to be a good one!
2010 Purses Conference Theme |
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Register for the
From Purses to Portfolios Conference
October 23, 2010
Join our keynote speakers,
Candace Bahr and Ginita Wall,
the creators of the slogan
"A Man is Not Your Financial Plan"
& learn how to improve your
relationship with Money.
Plus 14 other workshops, dozens of exhibitors & lots of FREE resources!
Click here to register
or call toll free 888.846.4220
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Deal of the Month
Ninite
Ninite is a free tool that helps you install lots of apps at once. It can be used when first setting up a new PC, or during day-to-day application downloads. There is a new feature that makes it more natural to get single apps as well. You select what software you would like to install from web browsers, to messaging, media, imaging, and security programs. Ninite lets you get your software and get on with your life without getting lost in complicated hierarchies, seeing blaring ads, clicking through pointless installers, or getting pitched (perhaps tricked) by worthless toolbars. The creators of Ninite believe that "installing software shouldn't require work."
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| MARY AND MONEY
Rules of the Road
 Rules have a bad rap. Too many of us think they are the handiwork
of fascists who want to take away all of our fun. When I look at the
catastrophe that has been created by the financial crisis, hear the
black box recording of a plane crash that didn't have to happen, or
see a less devastating, but still unnecessary five bike pile up on my
recreation trail, I start to sing the praises of rules. Not just any
rules, but the rules of the road. When you follow the rules of the road
you don't need scores of new regulation, or super-duper grand
pooh-bah chief regulators created to watch over us all. When you
don't follow them- that is what you end up with.
 The rules of the road are the tried and true shortcuts that our forefathers and foremothers wrote for us, hoping we wouldn't make the same mistakes they made. When I learned to sail, the first thing the instructor gave me was
a handout with the rules of the road. You learn that motorboats yield to boats under sail. To avoid collision,
you don't try to out run another boat; you aim for their stern (back of the boat). I found this trick works beautifully for running or cycling too.
One of my favorite rules of the road was written in 1776
by Thomas Paine in his book, The American Crisis Vol. 1. "Lead, follow or get out of the way." He may not have realized he was creating a bumper sticker, but it is great advice for 18-wheelers and Maserati-wannabees flying on I-95. Following Paine's advice can make for a much more pleasant commute. BTW, there is no shame in "getting
out of the way." It doesn't make you a pansy; it just puts you in the right flow for that particular day on the road.
President Reagan said trust but verify. That is a great rule of the road for foreign policy but it should have been the mantra in financial services. A system of no checks and no balances evolved earlier this decade because no one wanted to lose a commission because of verification. Mortgages got approved; toxic derivative products got stamped with 'Triple A' ratings, all to get the commission or the fee. If my company doesn't do it another will, was the justification. That is a weak argument and we have had and will continue to have hell to pay because of it.
 Rules may seem old-fashioned or preachy. I argue that rules of the
road are less about restricting behavior, than limiting collateral
damage. The rules of the road are empowering if we collectively
demand they be followed. When walkers stay to the right of
joggers and joggers stay to the right of cyclists, and cyclists stay
right of cars, we can all share the road together. It can work. The
key is when there is a renegade, and there will be, to show the
maturity and the patience to know you don't have to break the
rules, just because they did. That maturity was missing in the
c-suites on Wall Street. I will leave you with one more quote from
Paine. "Moderation in temper is always a virtue; but moderation
in principle is always a vice."
Check out Mary's website Mary Talks Money.
Join Mary at the From Purses to Portfolios Conference on October 23, 2010! |
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#11058 sends your United Way pledge to
DFLI and The Money School!
The United Way of Delaware provides critical support to many of the state's nonprofit agencies; this year, Delaware Financial Literacy Institute is fortunate to be the recipient of United Way funding to support two programs: * Bank At School which provides savings accounts at school "branches" for elementary students.
* First State Saves, part of the America Saves Campaign, which promotes the ethic of saving.
Please consider Delaware Financial Literacy Institute as the recipient of your United Way donation this year. Just designate 11058 on your United Way of Delaware pledge form. DFLI's United Way dollars support DFLI's financial education initiatives across the state.
Thank you for your support!
Other ways to support DFLI:
State Employees Charitable Campaign #71017
Combined Federal Campaign #99176
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Let your business be seen by over 1500 potential clients! Exhibit at the Purses to Portfolios Conference
10.23.10 at the Chase Center on the Riverfront. Special Rates for Purses' participants... with 30 or more logged hours: Half a table for only $75!! Nonprofit/Government Rate $250,
or call 302.792.1200.
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Meals for a $teal
This recipe is for those of us who can't travel to Mexico this summer; at least we can get to enjoy some Mexican food that will surely make it fiesta time! Earn 1 Purses' hour: email me your favorite Money $aving recipes and I will feature them in our newsletters and add them to my personal cookbook (tami@dfli.org).
Enjoy!
Tami
Chicken Enchiladas
2 skinless, boneless chicken breast halves 1/4 cup water
1/2 (15 ounce) can tomato sauce 1-1/2 teaspoons chili powder
1/2 onion, chopped 2 tablespoons chopped green bell pepper
1/2 cup sour cream 1/2 clove garlic, minced
1/2 cup shredded Cheddar cheese 4 (10 inch) flour tortillas
1-1/2 teaspoons dried parsley 1/2 (12 ounce) jar taco sauce
1/4 teaspoon dried oregano 1/3 cup shredded cheddar cheese
1/4 teaspoon ground black pepper 1/4 teaspoon salt (optional)
Preparation:
1. Preheat oven to 350 degrees F (175 degrees C).  2. In a medium, non-stick skillet over medium heat, cook chicken until no longer pink and juices run clear. Drain excess fat. Cube the chicken and return it to the skillet. Add the onion, sour cream, Cheddar cheese, parsley, oregano and ground black pepper. Heat until cheese melts. Stir in salt, tomato sauce, water, chili powder, green pepper and garlic.
3. Roll even amounts of the mixture in the tortillas. Arrange in a 9x13 inch baking dish. Cover with taco sauce and 3/4 cup Cheddar cheese. Bake uncovered in the preheated oven 20 minutes. Cool 10 minutes before serving. Serves 4.
Click for this recipe and many more |
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Keep Up with The Money School
& From Purses to Portfolios
Class updates, links, quotes, and lots of valuable information!
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| Here are this month's best buy items.
Look for them at your local grocery stores.
- School lunch items such as juice boxes & canned fruit.
- Sunscreen & lotion
- Tissues
Compiled by Teri Gault, author of Shop Smart, Save More.
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