[Video] Money Management Solutions for U.S. Congress – 545 people – an article by Charley Reese presented in video format by Money Management Solutions, Inc. (more…)

When it comes to YOUR MONEY and your bank, there are 4 questions you should be asking…

1 – How safe is my bank?

Click here to find out how to check your neighborhood banks in our Free report

How Safe Is Your Bank?

2 – Is my bank on the “likely to fail” list?

There are over 2,200 banks rated D or worse as of June 1, 2010

3 – If my bank fails, what happens to MY money, And will the FDIC protection be there?

4 – What can I do right now to protect my money?

Money management expert, Sandra Simmons, gives you answers to these questions right now, and it doesn’t cost you a dime!

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Don’t get caught not knowing what’s likely to happen to your money in your bank. Find out how safe your bank is and what you can do to protect yourself.

BONUS! – you’ll also learn how to check up on the insurance companies you count on to protect your life, health, property & casualty, and HMO medical plans! Get their ratings too!

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Tampa, Florida, 2009 – Money Management Solutions, Inc. is pleased to announce the release of the new Russian language version of its popular business cash flow management software in Russia. The software, created by Sandra Simmons, President and Founder of Money Management Solutions, Inc. is designed to help millions of Russian businesses with solvency and debt issues. The software will be made available through an independent distributor, Larissa Lobova, through her company in Moscow (www.moneysolutions.ru).

‘This is the first foreign language version of our English language software that is currently in use by business owners in 21 countries around the world,’ Ms. Simmons said.  ‘We plan to make the Money Management Solutions software and training course available in several other languages in the very near future. The recent worldwide economic crisis has caused financial problems for businesses worldwide. The sooner we can make our cash flow management software available to business owners who are not conversant in English, the faster they will be able to improve their financial condition and generate increased profits. That will help the larger economy as well.’

When asked why Russia would get the first translated version, Ms. Simmons replied, ‘The Russian business owner is much attuned to dealing in cash and not relying on lines of credit to operate their businesses.  Our cash flow management software is based on this simple principle as well, and it is a good fit with the Russian economic philosophy. Business owners who learn to run their operations without relying on credit cards or lines of credit will be the survivors.’

These successful time-tested principles of paying cash, spending less than you make, and not relying on credit, have long been practiced by the people of Russia.  The Russian national debt is reported to be the lowest of all the G20 countries. According to Ms. Simmons, ‘These same fundamental principles, used in the United States until the introduction of credit in the early 1920’s, are being re-introduced to businesses as credit becomes less and less available. Companies that are able to implement these financial principles quickly will make it through the current economic crisis.’

Money Management Solutions, Inc. has been in business in the Tampa Bay area for 8 years offering business owners worldwide a range of products and services that include money management software, courses, books, financial rescue services, and business consulting.

Sandra Simmons, Founder and President of Money Management Solutions, Inc. oversees the Research and Development division of software and information products distributed to business owners worldwide.  A national speaker, the creator of the Money management Solutions software for business, and author of several business books, Ms. Simmons has delivered training seminars to thousands of business owners and Executives across the United States. Chief Operations Officer of Money Management Solutions Inc., Brian Dawson stated, ‘We are pleased to have the benefit of Ms. Simmons’ 30-plus years working experience with Fortune 500 companies and multiple industries including advertising agencies, retail chains, food service chains, engineering firms, construction companies, health care providers, veterinarians, accounting firms and other service providers.’

In these economic times when workers are losing their jobs and business owners are struggling to survive, I believe that both business owners and workers alike need to adopt the mindset that they are willing to do Whatever It Takes (WIT) to maintain their money management goals and their own economic well-being.

Now, I’m not advocating doing anything illegal or unethical in terms of money management. I’m just making this comment because I have noticed a curious attitude among some workers here in the U.S., whether employed or unemployed, who are in debt and struggling. There seems to be a prevailing attitude that:

1 – The business owner is my enemy.

2 – I’m a victim and everyone else is to blame for my financial situation.

3 – I don’t need to practice smart money management. I’m in debt, but I’m too good / educated / valuable to get a second job to pay it off.

4 – The current government is my money management savior and they will take care of me.

5 – I can’t make the payments, but I have to keep my expensive car / house to keep up my image.

6 – If I work a second job to make it financially, it would damage my image and my own self-esteem.

7 – Buying and owning ‘stuff’ is more important than investing in my own financial security

8 – I cannot cut expenses anywhere.

9 – I cannot afford to put any money into savings to take care of the smallest emergency.

10 – My Boss is my enemy.

I was an employee for the first 27 years of my career, while I also owned small businesses to supplement my income. I believed I was responsible for reaching my own money management goals. In 1995 I left the corporate world to become a full-time business owner. In every positions I held, whether employee or business owner, I always knew beyond a shadow of a doubt, that I was the only one who was responsible for taking care of me financially, and that there will always be unproductive people with their hand out and the idea that they are entitled to part of my money even though they have contributed nothing to help me earn it.

I recently received an email from a friend, and while I have no idea who the original author was, I believe that this should be required reading in every high school economics class and for all adults. Here is the email from a business owner’s point of view.

To All My Valued Employees,

There have been some rumblings around the office about the future of this company, and more specifically, your job. As you know, the economy has changed for the worse and presents many challenges. However, the good news is this: The economy does not pose a threat to your job. What does threaten your job however, is the changing political landscape in this country.

However, let me tell you some little tidbits of fact which might help you decide what is in your best interests.

First, while it is easy to spew rhetoric that casts employers against employees, you have to understand that for every business owner there is a back story. This back story is often neglected and overshadowed by what you see and hear. Sure, you see me park my Mercedes outside. You’ve seen my big home at last years Christmas party. I’m sure all these flashy icons of luxury conjure up some idealized thoughts about my life.

However, what you don’t see is the back story.

I started this company 28 years ago. At that time, I lived in a 300 square foot studio apartment for 3 years. My entire living apartment was converted into an office so I could put forth 100% effort into building a company, which by the way, would eventually employ you.

My diet consisted of Ramen Pride noodles because every dollar I spent went back into this company. I drove a rusty Toyota Corolla with a defective transmission. I didn’t have time to date. Often times, I stayed home on weekends, while my friends went out drinking and partying. In fact, I was married to my business — hard work, discipline, and sacrifice.

Meanwhile, my friends got jobs. They worked 40 hours a week and made a modest $50K a year and spent every dime they earned. They drove flashy cars and lived in expensive homes and wore fancy designer clothes. Instead of hitting the Nordstrom’s for the latest hot fashion item, I was trolling through the Goodwill store extracting any clothing item that didn’t look like it was birthed in the 70′s. My friends refinanced their mortgages and lived a life of luxury. I, however, did not. I put my time, my money, and my life into a business with a vision that eventually, some day, I too, will be able to afford these luxuries my friends supposedly had.

So, while you physically arrive at the office at 9am, mentally check in at about noon, and then leave at 5pm, I don’t. There is no “off” button for me. When you leave the office, you are done and you have
a weekend all to yourself. I unfortunately do not have the freedom. I eat, and breathe this company every minute of the day. There is no rest. There is no weekend. There is no happy hour. Every day this
business is attached to my hip like a 1 year old special-needs child. You, of course, only see the fruits of that garden — the nice house, the Mercedes, the vacations… You never realize the back story and the sacrifices I’ve made.

Now the economy is falling apart and I, the guy that made all the right decisions and saved his money, have to bail-out all the people who didn’t. The people that overspent their paychecks suddenly feel entitled to the same luxuries that I earned and sacrificed a decade of my life for.

Yes, business ownership has is benefits but the price I’ve paid is steep and not without wounds.

Unfortunately, the cost of running this business, and employing you, is starting to eclipse the threshold of marginal benefit and let me tell you why:

I am being taxed to death and the government thinks I don’t pay enough. I have state taxes, federal taxes, property taxes, sales and use taxes, payroll taxes, workers’ compensation taxes, unemployment taxes, taxes on taxes. I have to hire a tax man to manage all these taxes and then guess what? I have to pay taxes for employing him. Government mandates and regulations and all the accounting that goes with it, now occupy most of my time. On Oct 15th, I wrote a check to the US Treasury for $288,000 for quarterly taxes. You know what my “stimulus” check was? Zero. Nada. Zilch.

The question I have is this: Who is stimulating the economy? Me, the guy who has provided 14 people good paying jobs and serves over 2,200,000 people per year with a flourishing business? Or, the single mother sitting at home pregnant with her fourth child waiting for her next welfare check? Obviously, government feels the latter is the economic stimulus of this country.

The fact is, if I deducted (Read: Stole) 50% of your paycheck you’d quit and you wouldn’t work here. I mean, why should you? That’s nuts. Who wants to get rewarded only 50% of their hard work? Well, I agree, which is why your job is in jeopardy.

Here is what many of you don’t understand … to stimulate the economy you need to stimulate what runs the economy. Had suddenly government mandated to me that I didn’t need to pay taxes, guess what? Instead of depositing that $288,000 into the Washington black-hole, I would have spent it, hired more employees, and generated substantial economic growth. My employees would have enjoyed the wealth of that tax cut in the form of promotions and better salaries. But you can forget it now.

When you have a comatose man on the verge of death, you don’t defibrillate and shock his thumb thinking that will bring him back to life, do you? Or, do you defibrillate his heart? Business is at the heart of America and always has been. To restart it, you must stimulate it, not kill it. Suddenly, the power brokers in Washington believe the poor of America are the essential drivers of the American economic engine. Nothing could be further from the truth and this is the type of change you can keep.

So where am I going with all this?

It’s quite simple.

If any new taxes are levied on me, or my company, my reaction will be swift and simple. I fire you. I fire your co-workers. You can then plead with the government to pay for your mortgage, your SUV, and your child’s future. Frankly, it isn’t my money management problem any more.

Then, I will close this company down, move to another country, and retire. You see, I’m done. I’m done with a country that penalizes the productive and gives to the unproductive. My motivation to work and to provide jobs will be destroyed, and with it, will be my citizenship.

If you lose your job, it won’t be at the hands of the economy; it will be at the hands of a political hurricane that swept through this country, steamrolled the constitution, and will have changed its landscape forever. If that happens, you can find me sitting on a beach, retired, and with no employees to worry about….

Signed,
Your Boss

Pretty enlightening money management point of view, I’d say.