Bryan C. Fleming

Congratulations on making savings a priority!  Now that you have some money in the bank, it is time to figure out what kind of account will yield you the best benefits.  Do not leave your money sitting in checking where it does not accrue interest; this practice does nothing for you, and will not help you grow you money.  In fact, leaving your money in a checking account may actually tempt you to spend more than you intend, so watch out for your funds!

A basic savings account is a better option than your savings account, yielding you a small interest payment each month with little or no minimum balance required in the account.  If you need your money to be highly mobile and available at all times, then this is the perfect account for you, particularly if you tend to maintain a low balance at this point. 

If you have managed to save a few thousand dollars, on the other hand, a money market account might be the best thing for you.  This account has a much higher interest rate than a traditional savings account, but also has a much higher minimum balance, often of several thousand dollars.  If you feel comfortable having a few thousand dollars dedicated to the account at a time, then this might be the perfect option for you.  If you can’t afford not to have instant access to that money, however, you might want to stick to a more traditional savings account.  (more…)

Enough to buy General Motors.

Well the primary elections are in town today.  Time to get out and vote.

For the republicans it’s business as usual.  You vote for the best guy they should put up for president.  But what about the democrats?

Well.  I guess they don’t want to recognize Michigan.  The only major candidate to put her name on the Ballot was Hillary Clinton.  So here are your democratic choices:

A. Hillary Clinton
B. Undecided
C. Other: Write Name Here:_____________________

Here’s the funny thing.  If you choose C your vote doesn’t count.  What?  You read that right.  They give you a choice that invalidates your vote. 

Printing costs must be up because they’ve got a few names on there of guys who’ve already dropped out, so you can’t pick them either.

But the Obhama and Edwards supporters are still out in full force:

“Choose undecided,” they say.  “That way Michigan delegates can vote for someone else instead of Hillary down the road”.  Ok.  Let me get that straight now.  Vote for the guys that didn’t even want to be on Micigan’s ballot?

But what issues are important for Michiganders in this election? That’s an easy one:  JOBS.

1 in 13 people doesn’t have a job here.  So it should be an easy sale for the candidates that do actually want to get some votes out of old Michigan.

I’m a republican.  I haven’t made up my mind for their best guy yet.  But I’ll do some research today and go cast my vote later this afternoon.

It should be an exciting election year ahead.