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<channel>
	<title>Carl Crossman &#187; Finances</title>
	<atom:link href="http://carlcrossman.com/category/finances/feed/" rel="self" type="application/rss+xml" />
	<link>http://carlcrossman.com</link>
	<description>Carl is blogging now</description>
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		<title>Across the world</title>
		<link>http://carlcrossman.com/2010/07/across-the-world/</link>
		<comments>http://carlcrossman.com/2010/07/across-the-world/#comments</comments>
		<pubDate>Fri, 23 Jul 2010 00:50:23 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Family and Friends]]></category>
		<category><![CDATA[Finances]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1200</guid>
		<description><![CDATA[One nice thing about my family is that we are spread out all over the world. That makes it easy to gain perspectives from many different views. Just by picking up the phone, I can talk with someone who lives halfway across the world. I did this just the other day when I talked with [...]]]></description>
			<content:encoded><![CDATA[<p>One nice thing about my family is that we are spread out all over the world. That makes it easy to gain perspectives from many different views. Just by picking up the phone, I can talk with someone who lives halfway across the world. I did this just the other day when I talked with my cousin Dave who lives in Australia. We had much to talk about and I learned a few new things.</p>
<p>Dave told me about his recent move to the country and some of the things that had happened to him. He described how he had found it easy to purchase the insurance he needed for him and his family. He told me about the <a href="https://www.aussie.com.au/insurance/accident-insurance.htm">accident cover</a> and <a href="https://www.aussie.com.au/insurance/funeral-insurance.htm">funeral cover</a> he had gotten to protect his family in case something happened to him. He was satisfied that his family would be financially supported in case of an emergency.</p>
<p>After we had spoken for awhile, he mentioned that he was also interested in purchasing an <a href="http://www.aussie.com.au/insurance/life-insurance.htm">aussie life plan</a>. This would ensure that he could feel safe in the knowledge that those left behind him would be left in good shape. I enjoyed our conversation and feel good about the steps he has taken. I am sure that he will do very well in his new land and become the great man we all expect him to be.</p>
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		<item>
		<title>Meteorites</title>
		<link>http://carlcrossman.com/2010/02/meteorites/</link>
		<comments>http://carlcrossman.com/2010/02/meteorites/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 01:11:56 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Science]]></category>
		<category><![CDATA[opinions]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1167</guid>
		<description><![CDATA[When a meteorite lands on the earth, it becomes the property of whoever’s land it lands on. This has already been established by courts in the U.S. Such was the case of a local landlord where a meteorite fell in Virginia. The landowner has declared his intention to sell the rock to the highest bidder [...]]]></description>
			<content:encoded><![CDATA[<p>When a meteorite lands on the earth, it becomes the property of whoever’s land it lands on. This has already been established by courts in the U.S. Such was the case of a local landlord where a meteorite fell in Virginia. The landowner has declared his intention to sell the rock to the highest bidder at auction. These rocks can be worth thousands of dollars and are collected avidly by collectors.</p>
<p>Meteorites can also be donated to the National Museum of Natural History that houses the world’s largest collection of space rocks. I think that is the most rightful place that these rocks could end up. Allowing the public to view these relics of the birth of space is only fair.</p>
]]></content:encoded>
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		<title>Haiti Earthquake</title>
		<link>http://carlcrossman.com/2010/01/haiti-earthquake/</link>
		<comments>http://carlcrossman.com/2010/01/haiti-earthquake/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 18:31:56 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Health & Medicine]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1163</guid>
		<description><![CDATA[We were all sorry to hear about the recent earthquake that devastated the country of Haiti. I was glad to find though that help is on the way to these people who are in desperate need of help. Agencies and organizations from all over the world are joining together and sending aid to the country. [...]]]></description>
			<content:encoded><![CDATA[<p>We were all sorry to hear about the recent earthquake that devastated the country of Haiti. I was glad to find though that help is on the way to these people who are in desperate need of help. Agencies and organizations from all over the world are joining together and sending aid to the country. I am proud of the efforts by individual citizens of the United States that have given money to the relief effort. </p>
<p>I hope that everyone will continue to give the funds necessary to help rebuild the country as well as provide relief for the people who need it the worst. It’s hard to believe that such basic items such as water can save the lives of thousands of people. I pray that every citizen of Haiti will be able to overcome this tragedy.  </p>
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		<title>Haiti’s Quake</title>
		<link>http://carlcrossman.com/2010/01/haiti%e2%80%99s-quake/</link>
		<comments>http://carlcrossman.com/2010/01/haiti%e2%80%99s-quake/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 21:34:36 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Health & Medicine]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1146</guid>
		<description><![CDATA[I was sorry to hear about the deadly earthquake that hit the country of Haiti this week. It turns out that no one really knows the amount of people who were killed or wounded and authorities fear that the number may be as high as 500,00. The magnitude 7.0 quake flattened houses, schools, and government [...]]]></description>
			<content:encoded><![CDATA[<p>I was sorry to hear about the deadly earthquake that hit the country of Haiti this week. It turns out that no one really knows the amount of people who were killed or wounded and authorities fear that the number may be as high as 500,00. The magnitude 7.0 quake flattened houses, schools, and government buildings without regard to who was inside or out. </p>
<p>The International Red Cross is hurrying aid to the people and is asking for emergency donations from everyone to help the victims. I plan to send in a check tonight and hope that everyone else will do so as well. In the meantime, I hope that everyone will send up some prayers for the people who are suffering!</p>
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		<title>A better New Year</title>
		<link>http://carlcrossman.com/2010/01/a-better-new-year/</link>
		<comments>http://carlcrossman.com/2010/01/a-better-new-year/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 23:16:34 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Seasonal Holidays]]></category>
		<category><![CDATA[The WWW Internet]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1134</guid>
		<description><![CDATA[Since last year was pretty much an economic disaster for many people around the country, I decided to take a few steps to improve my own financial situation. Starting with the New Year, I have made a resolution to improve the way I handle my money and find ways to save the money I do [...]]]></description>
			<content:encoded><![CDATA[<p>Since last year was pretty much an economic disaster for many people around the country, I decided to take a few steps to improve my own financial situation. Starting with the New Year, I have made a resolution to improve the way I handle my money and find ways to save the money I do have. One expense that I thought I could lower was<a href="http://www.21st.com"> car insurance</a>. My current rate seems a bit high and so I am looking into going with another company to provide it. It would be nice to shave a few bucks off that bill!</p>
<p>Another thing I have done was to investigate other options. I was lucky to run across a nice little article online that has <a href="http://www.dumblittleman.com/2008/01/30-easy-ways-to-save-money-and-no-you.html">30 Ways to Save Money</a>. There were a lot of interesting tidbits of information on the page and they helped remind me of some of the bad practices I had gotten into. It’s amazing how we can waste so much money on little things that don’t seem to cost much!</p>
<p>I was talking with my sister about the situation and she reminded me of another way to save. She told me how she had been using <a href="http://www.offers.com/">coupon codes</a> from the internet to save money. I checked it out and found that I had missed a lot of opportunities to save money over the past year. I am serious about not letting that happen to me again. I hope that everyone will have the foresight to become more conscious of how we spend our money. I am sure that if you try, you’ll find a few things yourself!</p>
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		<title>Old friends and TVs</title>
		<link>http://carlcrossman.com/2009/12/old-friends-and-tvs/</link>
		<comments>http://carlcrossman.com/2009/12/old-friends-and-tvs/#comments</comments>
		<pubDate>Sat, 26 Dec 2009 15:14:52 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Family and Friends]]></category>
		<category><![CDATA[Finances]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1126</guid>
		<description><![CDATA[I was talking with an old friend of mine who is getting ready to make a change in his life. He has decided to move so that he can start a new job with the post office. We were discussing how the moving was going when he told me about one of his worries. He [...]]]></description>
			<content:encoded><![CDATA[<p>I was talking with an old friend of mine who is getting ready to make a change in his life. He has decided to move so that he can start a new job with the post office. We were discussing how the moving was going when he told me about one of his worries. He said that he wanted to continue receiving his <a href="http://www.directsattv.com/directv/local/TX-Texas-Directv.html">Direct TV in Texas</a>. He didn’t know whether or not that was possible and asked me for advice.</p>
<p>Since I had been using the <a href="http://www.directsattv.com/directv/">Direct TV</a> service for years, I thought I knew the answer. I was sure that it could easily be done as they have service in most of the country. I am not surprised as I am sure that people all over know a good value when they see it. High definition TV is all the rage these days and it seems that everybody wants it. I understand their feelings as I have grown to love it myself.</p>
<p>Ever since I started with the <a href="http://www.directsattv.com/directv/">Direct Satellite TV</a> service, I have been more than satisfied. I receive all of my shows in HD and also receive the sports programs that I desire most. My kids love the fact that all the movies they watch come in HD. My wife likes the fact that the rates are reasonable and affordable to our budget. I think that we are all pretty happy with our service and I think my friend will enjoy his in Texas as well.</p>
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		<title>Freedom</title>
		<link>http://carlcrossman.com/2009/12/freedom/</link>
		<comments>http://carlcrossman.com/2009/12/freedom/#comments</comments>
		<pubDate>Wed, 23 Dec 2009 01:55:16 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Autos and Transportation]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1122</guid>
		<description><![CDATA[There are a few things that we all rely on every day. One thing that most of us have in common is the need to have a working vehicle. That’s why when my car decided to stop working; I knew I would have to get it fixed quickly. I am fortunate enough to own a [...]]]></description>
			<content:encoded><![CDATA[<p>There are a few things that we all rely on every day. One thing that most of us have in common is the need to have a working vehicle. That’s why when my car decided to stop working; I knew I would have to get it fixed quickly. I am fortunate enough to own a <a href="http://repairpal.com/chevrolet-silverado_1500-2005">Chevrolet Silverado</a>, but had the bad luck to have it break down. That was devastating as I depend on my car to get back and forth to work.</p>
<p>I took my car to the shop and had the mechanic give it a once over. I found a garage that I really like and I feel they have been honest with me about my car. That’s not easy to come by these days and so I was happy about that. They are one of the most dependable shops for <a href="http://repairpal.com/dallas-auto-repair">Dallas auto repair</a>. I took their estimate of the situation to heart as I think they are on the up and up.</p>
<p>The mechanic said that I would need to have a <a href="http://repairpal.com/brake-rotor-replacement">brake job</a> done on my car. I thought that was probably true as it’s been quite awhile since my brakes were worked on. I decided to have the work done and was back on the road in no time. Now I am glad to have my car back and think I got the better end of the bargain. I am looking forward to ending my carpool arrangement and having the freedom to go where I want!</p>
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			<wfw:commentRss>http://carlcrossman.com/2009/12/freedom/feed/</wfw:commentRss>
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		<title>Jobs and the environment</title>
		<link>http://carlcrossman.com/2009/12/jobs-and-the-environment/</link>
		<comments>http://carlcrossman.com/2009/12/jobs-and-the-environment/#comments</comments>
		<pubDate>Sun, 20 Dec 2009 13:59:12 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1120</guid>
		<description><![CDATA[Our country is going through a tough time with the economy; this has forced some people to make some tough decisions. One problem that we are experiencing is pitting environmentalists against workers in the coal mining industry. The state of West Virginia seems to be ground zero for this battle as coal miners feel their [...]]]></description>
			<content:encoded><![CDATA[<p>Our country is going through a tough time with the economy; this has forced some people to make some tough decisions. One problem that we are experiencing is pitting environmentalists against workers in the coal mining industry. The state of West Virginia seems to be ground zero for this battle as coal miners feel their livelihoods are being threatened by environmentalists who want to shut down mining operations that are considered to be destructive to the earth.</p>
<p>There have been court battles and many protests on both sides of the issue and no one seems to be winning. In the meantime, miners are continuing to work and make money providing coal to American manufacturers. The beauty of the mountains continues to be decimated by the mining. I hope we can find some kind of solution soon.</p>
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		<title>Thanksgiving has arrived!</title>
		<link>http://carlcrossman.com/2009/11/thanksgiving-has-arrived/</link>
		<comments>http://carlcrossman.com/2009/11/thanksgiving-has-arrived/#comments</comments>
		<pubDate>Thu, 26 Nov 2009 14:59:04 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Seasonal Holidays]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1112</guid>
		<description><![CDATA[I have always considered Thanksgiving as one of the best holidays there are. It’s always a treat to gather up the family and celebrate the things we have. I am always grateful for the time we are able to spend together with our loved ones. I think that family is important and it’s good to [...]]]></description>
			<content:encoded><![CDATA[<p>I have always considered Thanksgiving as one of the best holidays there are. It’s always a treat to gather up the family and celebrate the things we have. I am always grateful for the time we are able to spend together with our loved ones. I think that family is important and it’s good to see them all again.</p>
<p>The food is another part of the holiday that I enjoy. We always have turkey and all the trimmings that go with it. I especially enjoy the pumpkin pie and cookies! I guess I will have to suspend my diet for a day or two, but I am sure it will be worth it!</p>
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		<title>Quick and Easy!</title>
		<link>http://carlcrossman.com/2009/11/quick-and-easy/</link>
		<comments>http://carlcrossman.com/2009/11/quick-and-easy/#comments</comments>
		<pubDate>Thu, 26 Nov 2009 14:15:54 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Autos and Transportation]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[The WWW Internet]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1110</guid>
		<description><![CDATA[Every once in a while, a situation comes up that makes us realize how lucky we are to live in modern times. One such situation came up for my friend Dan from the office. His car finally gave out and he needed a replacement fast. His financial situation wasn’t the best and so he needed [...]]]></description>
			<content:encoded><![CDATA[<p>Every once in a while, a situation comes up that makes us realize how lucky we are to live in modern times. One such situation came up for my friend Dan from the office. His car finally gave out and he needed a replacement fast. His financial situation wasn’t the best and so he needed to find someone that could help. That’s when he learned about a company called <a href="http://www.drivetime.com/">DriveTime</a>. They take the extra steps needed to ensure that people who may have credit problems can get their loans approved.</p>
<p>Dan went to a site called drivetime.com where he was able to find a great deal on <a href="http://www.drivetime.com/">Used Cars</a>. They have many makes and models to choose from and it’s easy to look them up. You can punch in the city where you want to find a car and they do the rest. Dan is a very busy man and so saving time is a priority with him.</p>
<p>Now that Dan has his brand new used car, his life is back to normal. His credit problems did not prevent him from getting the car he wanted and he is glad that he didn’t have to wait a long time to get it. Dan gives all the credit to <a href="http://www.drivetime.com/">Drive Time</a> and tells everyone with a similar problem to try them out. I am just glad that he is back to work and things are back to normal!</p>
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		<title>Its working</title>
		<link>http://carlcrossman.com/2009/11/its-working/</link>
		<comments>http://carlcrossman.com/2009/11/its-working/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 23:20:27 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Autos and Transportation]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Finances]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1095</guid>
		<description><![CDATA[The news today is definitely good. The auto industry is making a comeback after suffering through the recent hard economic times. Nearly every major manufacturer is reporting higher sales and the future looks bright. It seems that all consumers are getting over their fears of a major recession and are buying cars again.
I am glad [...]]]></description>
			<content:encoded><![CDATA[<p>The news today is definitely good. The auto industry is making a comeback after suffering through the recent hard economic times. Nearly every major manufacturer is reporting higher sales and the future looks bright. It seems that all consumers are getting over their fears of a major recession and are buying cars again.</p>
<p>I am glad to hear the news and hope it will continue. The country needs to spur new jobs and continue to keep jobs available. I think the auto industry plays an important part in that. It is nice to receive some good news from time to time.</p>
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		<title>The United Nations</title>
		<link>http://carlcrossman.com/2009/10/the-united-nations/</link>
		<comments>http://carlcrossman.com/2009/10/the-united-nations/#comments</comments>
		<pubDate>Fri, 23 Oct 2009 10:05:14 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[opinions]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1079</guid>
		<description><![CDATA[One thing that is always in the background of our daily lives is the United Nations. We hear about it all the time and the good work it does. The thing we never hear about is that there are many countries that haven’t paid their dues. It turns out that only about 11% of the [...]]]></description>
			<content:encoded><![CDATA[<p>One thing that is always in the background of our daily lives is the United Nations. We hear about it all the time and the good work it does. The thing we never hear about is that there are many countries that haven’t paid their dues. It turns out that only about 11% of the countries in the U.N. are paid up. </p>
<p>The worst news is that the United States is one of the countries that still owes money to them. I know that we pay more than nearly every country, but we still should pay the money we owe. I hope that our government will stand up for what is right and make good on the promises we made. The world needs the benefits of this great institution.</p>
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		<title>Thanks a lot China</title>
		<link>http://carlcrossman.com/2009/10/thanks-a-lot-china/</link>
		<comments>http://carlcrossman.com/2009/10/thanks-a-lot-china/#comments</comments>
		<pubDate>Fri, 16 Oct 2009 01:32:13 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1071</guid>
		<description><![CDATA[One thing that I have heard a lot about lately is Chinese drywall. It seems that the Chinese decided it would be nice to send us defective drywall that contains sulfuric fumes that corrodes pipes. This has caused numerous homeowners many headaches when dealing with insurance companies. 
The problem is that when a homeowner contacts [...]]]></description>
			<content:encoded><![CDATA[<p>One thing that I have heard a lot about lately is Chinese drywall. It seems that the Chinese decided it would be nice to send us defective drywall that contains sulfuric fumes that corrodes pipes. This has caused numerous homeowners many headaches when dealing with insurance companies. </p>
<p>The problem is that when a homeowner contacts their insurance company about the problem, oftentimes they are dropped immediately. The worst part is that is all legal. There are also estimates that say that there could be as much as 500 million pounds of tainted drywall that was imported. The government says it is investigating the problem, but it once again, it’s too little too late!</p>
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		<item>
		<title>Credit is Scarce</title>
		<link>http://carlcrossman.com/2009/10/credit-is-scarce/</link>
		<comments>http://carlcrossman.com/2009/10/credit-is-scarce/#comments</comments>
		<pubDate>Thu, 15 Oct 2009 06:43:49 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[opinions]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1067</guid>
		<description><![CDATA[Since the economy has been doing so poorly, there have been many repercussions. One thing that has gone bad is the ability of small companies to get credit. It seems that the banks have gotten scared and are not lending to companies even though they have a proven track record and are profitable. 
The trend [...]]]></description>
			<content:encoded><![CDATA[<p>Since the economy has been doing so poorly, there have been many repercussions. One thing that has gone bad is the ability of small companies to get credit. It seems that the banks have gotten scared and are not lending to companies even though they have a proven track record and are profitable. </p>
<p>The trend of the story is most depressing as the taxpayers have dumped billions of dollars into the banks in order to improve their ability to lend. If the banks still won’t lend money, then how will we be able to overcome these depressing conditions? I hope that the leaders of these financial institutions will reconsider their position and allow those people who have proven themselves to borrow!</p>
]]></content:encoded>
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		<item>
		<title>Tried and True</title>
		<link>http://carlcrossman.com/2009/10/tried-and-true/</link>
		<comments>http://carlcrossman.com/2009/10/tried-and-true/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 22:55:52 +0000</pubDate>
		<dc:creator>Carl</dc:creator>
				<category><![CDATA[Autos and Transportation]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[The WWW Internet]]></category>

		<guid isPermaLink="false">http://carlcrossman.com/?p=1045</guid>
		<description><![CDATA[One thing I have heard a lot about lately is credit. It seems that it is harder to get than ever before. A friend of mine was trying to get a loan for a new car and was turned down because of some items that were on his credit report. These items were fairly old [...]]]></description>
			<content:encoded><![CDATA[<p>One thing I have heard a lot about lately is credit. It seems that it is harder to get than ever before. A friend of mine was trying to get a loan for a new car and was turned down because of some items that were on his credit report. These items were fairly old and should have been removed long ago. That’s why I told him about a way to <a href="http://www.repairyourbadcredit.com/">repair bad credit</a>. It’s easy to do and will pay off big for him in the end.</p>
<p>There are many secrets to <a href="http://www.repairyourbadcredit.com/">credit repair</a> that the creditors wish you wouldn’t find out about. There is a company repairyourbadcredit.com that knows how to deal with these people. They will find ways to remove unwanted entries and that will help you <a href="http://www.repairyourbadcredit.com/">improve credit</a>. There is no reason you shouldn’t get the money you need when you need it.</p>
<p>I have known many people with bad credit that have taken advantage of a service like this. It is well worth it as it will save you thousands of dollars over time by reducing the interest rate on the money you borrow. They use proven techniques that always work. I think it’s great that there are people out there who will fight for you and your rights. I hope you will give them a try!</p>
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