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Blessings, Donna J. Dungee CEO
Thursday, October 9, 2014
CREDIT MATTERS
Did you know that the joy of finding $100 has been proven to be a lot less than the pain of losing $50? It’s a crazy fact but it’s true. Think about it. You’ll make more of an effort NOT to lose 50 bucks than you will to earn $100. It’s because it feels as if you are losing something that you already own. It’s yours… and it should stay that way. The craziest part is that there are a lot more ways to make money than to lose it. There are literally millions of ways to earn money… and only a handful of ways to lose it. When it comes to losing money in stocks or in business most of the ways to lose money are emotional. You become too attached to a business or stock pick and hold onto while it hemorrhages cash. However, in the world of your personal finances there are a few things that a lot of people do to throw cash away every single day. This is unnecessary loss. This is money you CAN and should keep. What am I talking about here? I’m talking about interest payments. Every single dollar you spend on interest is money you’re throwing away. Yes, I realize that there are times you need to borrow money and it can be worth it. But in those moments when you have to pay interest… you need to make sure that you are paying the least amount of interest possible. If you’ve heard my story about buying a new car, you’ll remember that I spent an extra $6,868 JUST in interest. And that was all because I had a low credit score. Thankfully I took action into my own hands and took my credit score from a lowly 520 to a stellar 737 once I started working on improving it. Those lessons I learned while boosting my credit turned into The Credit Solution Program. The Credit Solution Program has helped thousands of people boost their score by 50, 100, even 150 points more. What does that mean? It means that those people will never waste another dime on unnecessary interest payments. They’ll get all the loans they want. The house they want. The credit cards with the best rewards. The banks now come to them for their business… not the other way around. Make sure you don’t waste another penny. Start improving your score today…you won’t regret it. Remember, everyday you delay is another day wasted. Mike Roberts Credit Coach The Credit Solution Program TheCreditSolutionProgram.com
NON-PROFIT ORGANIZATION OF THE WEEK
In 1982, that promise became Susan G. Komen and launched the global breast cancer movement. We are the world’s largest grassroots network of breast cancer survivors and activists fighting to save lives, empower people, ensure quality care for all and energize science to find the cures.
We are Susan G. Komen. We are a force united by a promise to end breast cancer forever. For over 30 years, we've led the way funding groundbreaking research, community health initiatives and advocacy programs in local communities across the U.S. and in more than 30 countries. And with your help, we'll continue pushing for progress to end breast cancer every day, until it's a thing of the past.
For info on breast cancer and breast health.
Please call: 1-877 GO KOMEN or visit www.komen.org
We are Susan G. Komen. We are a force united by a promise to end breast cancer forever. For over 30 years, we've led the way funding groundbreaking research, community health initiatives and advocacy programs in local communities across the U.S. and in more than 30 countries. And with your help, we'll continue pushing for progress to end breast cancer every day, until it's a thing of the past.
For info on breast cancer and breast health.
Please call: 1-877 GO KOMEN or visit www.komen.org
ESTATE PLANNING
What happens if you fail to plan for your minor
child?
If you do not plan for the needs of your minor
children, a Court will take charge of the assets in guardianship
proceeding. Even if you nominate a
Guardian, the Court will have the final say.
Not only is the guardianship process expensive, but there is no way to
ensure that the Court will carry out your values and desires for your
children. The Courts generally want to
protect minors. Therefore, they will set
the minor’s money into a blocked account that can only be accessed through a
Court Order. If the child, for instance,
needs braces, you would have to petition the Court and go to a hearing to get
guardianship ends when the child reaches age 18. At the time, the child is given unconditional
control of their property. Most people
do not want to hand over a larger sum of money to an 18 year old, who could
blow through that money in a short period of time. Most 18 year olds do not have the maturity
level yet to handle a large sum of money
The guardianship proceeding through the Court can be
circumvented by setting up a living trust for the benefit of your minor
children. If that trust is properly
funded with your assets, you can avoid any Court intervention. The terms of the trust can provide for the
child’s health, education, maintenance and support. You can decide at what age you want the child
to access the money and for what purposes.
LAW OFFICES OF SUZANNE M. GRAVES, INC.
A Professional Corporation
Suzanne M. Graves
Attorney & Counselor at Law
ENTERTAINMENT
wonderful singer herself. She instilled in me the love of music -
all styles - from Beethoven to Basie as I like to say.
My journey has been unique.
After college I pursued a management career in Fortune 500
company that eventually led to ownership of a successful sales
agency.
But music - singing - is in my blood. So, after work, I would
moonlight at local jazz clubs in San Francisco.
It's hard to believe sometimes that I'm about to release my fifth
CD on my own record label, Regina Records.
With such featured artist as Gerald Albright, Rick Braun,
Chris Botti, and Jeff Lorber.
I fell that I have a fine body of music geared for contemporary
jazz lovers with discerning taste.
And so the journey continues!
Victor Fields, Jazz R&B Singer/Songwriter/Radio Personality/Owner of Regina Records
PAPARAZZI
Lost in Translation
I remember as a kid we used to play a game called “Telephone.”
It was a simple game where one person would create a silly message and whisper
it to another person. That person would then try to remember as many details of
the message as possible and pass it along to the next person, and so forth,
until the final recipient of the message was tasked with saying aloud the often
poorly translated message. This is a perfect example of how easy it is for
information to get lost in translation.
Today’s consumer is being constantly bombarded with
information from companies vying for attention and
looking to persuade consumers with their message. In such a competitive environment
it is important that your brand stand out and that you deliver a message that
makes your prospects understand what you are saying, immediately.
Having an effective message that is direct and easy for
customers to understand makes them feel informed and more capable of making a
decision. It demonstrates confidence in
your brand and its values and that you have thought about how you want to be
perceived by your potential clients. A web
video is a simple way to make
sure that your message is heard loud and clear.
At Dream Shore Studios we specialize in telling your story
and creating an effective presentation to drive your message home. We are able
to take the roughest of ideas
and transform them into a message which engages
the customer and brings in new business.
Jamar Williams
CEO & Operations Manager
Dream Shore Studios
Your Vision. Our Lens.
FOODIE
Time in a Bottle
Where Wine & Food are Best Paired with Friends! Enjoy a Le Cordon Bleu Menu, Superb Wine & Exclusive Spirits!
The kind of place you want to hang out with friends, relax and enjoy food, drinks.
Our palate-pleasing Le Cordon Bleu Menu offers something for everyone and every diet need. Our hand-selected wine list is extraordinarily eclectic and Time in a Bottle is proud to be an exclusive source for some of the best American whiskeys and bourbons.
At Time in a Bottle we seek out the very best in fresh ingredients, sourcing as much as possible locally right here in the Inland Empire. We try to keep our purchases within California, but we’ve been known to import internationally for the right ingredient to make a dish just absolutely perfect.
Our guests deserve and receive a creative, innovative and truly eclectic experience. At Time in a Bottle, we’ve captured our passion for great food, great drink and great service. That passion is shared through our evocative menu, an extraordinary wine selection and top-of-the line of spirits that include many available exclusively only through Time in a Bottle. Plus, we’re always creating new recipes for martinis, cocktails and other beverages. Every month seems to bring a new drink sensation.
Award Winning
Gourmet Menu - Vegetarian Friendly
Afternoon
Dinner Entrees
Late Night Kitchen
Approachable Boutique Wines from California & Around the World
Classic Mixology using a Premium Well & Fresh Juices, Fruits & Herbs
Angel and Paula Negron
Adrienne Negron Rezac
344 Orange St. Redlands, CA 92374
Website: www.TimeinaBottleWine.com
Email: Paula@TimeinaBottleWine.com
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