Alternative currency and balanced living system. Alternativna valuta i uravnoteženi životni sistem. Moneta alternativa e sistema di vita equilibrato.

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Crom Alternative News

Investigative journalism and useful articles on various topics.
roman
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It may seem like Monopoly money to outsiders, but a growing number of communities across the U.S. are using homegrown local currencies to stimulate their economies and protect themselves from the nation's broader economic woes.

While there were only about 20 active community currencies in the United States in 2009, there has been a recent resurgence, with at least a dozen communities developing their own currencies in the past couple of years, estimates Loren Gatch, a professor of political science at the University of Central Oklahoma who researches these alternative currencies. In addition, currencies that have been around for years have seen a spike in interest, with membership doubling in some cases.

tuper
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As a solution to the global and national financial crisis, people in Mexican city Espinal have organized alternative exchange system and created alternative local currency named Tumin.

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People have the habit of making New Year's resolutions for anything and everything such as happiness, health, managing money matters proficiently and getting out of your old inclinations. The main objective to turn your resolution into reality is to make sure that your financial goals reflect what you actually want. You should make a New Year promise on personal finance that you know you will be able to succeed surely. Practice the habit of savings and keep your money in the bank account. Use it to satisfy your essential needs such as retirement, paying your bills and giving money to the grocery-shopkeeper.

Ideas to get back on the right track and manage personal finances efficiently

Have a look at the 4 ideas to get back on the right track and manage personal finances efficiently.

1. Set a specific goal - Thinking in your mind as to how you will manage your money is simply useless and, as such, you should set a specific goal so that you know what you want to achieve exactly and, in turn, achieve it. You may think in your mind that you want to increase your savings and you want to have $2,000 more in your bank account by the next month. While the former only gives you a hope that you will boost your savings, the latter gives you a target to accomplish it. Thus, setting up a specific goal is very important if you really wish to handle personal finances in the most efficient way.

2. Deal with your credit cards wisely - You should keep an eye on every credit card that you may have and deal with them wisely. Get hold of credit cards which charge you low interest rate and have cash back policies. There are situations when you spend hundreds of dollars just for the sake of repaying the outstanding credit card balance and, as such, much of your hard-earned money is being spent. Make a comparison between various credit cards and obtain one with low interest rate. If you have a credit card with high interest rate but no annual fees, do not throw it away as soon as you get a better card. Keep the old card with you but do not swap it as this will help you boost your credit score.

3. Design a well planned budget - You may design a well planned budget every year and think of following it. However, there are many people who hate the idea of budgeting since it acts as a restriction of your money flow. But, in the real sense, a well planned budget is a financial planner that helps you understand about your money flow. A budget enables you to spend money on the things that you need essentially and keeps you away from spending unreasonably. Budgeting also helps you make a plan for the extra expenses that do not occur every month.

4. Reduce your unnecessary expenses - If money is tight for your case, look through every possible option to reduce your unnecessary expenses. For example, a family of four dining outside can pay you an extra of $20 every time you go out and eat. Same is the case for coffee drinks or packed water bottles if you purchase them on your way to office. Try to carry them from your home so as to reduce as much expenses as possible and save your dollars in the long run. Cutting down the small expenses will give you a significant amount towards your family savings and manage money matters capably. Give yourself a suitable chance to buy a new appliance with your hard-earned saved bucks.

Apart from this, studies illustrate you spend less when you use cash instead of plastic money. Make it a habit of spending a fixed amount of cash every week and try to stick to it. Thus, it is considered to be an appropriate way to keep a grip on your personal finances and avoid using credit cards without any need.


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An announcement has been made by the Federal Reserve that they are not going to raise the interest rate for the coming three years. Thus, the interest rates will remain at the rock bottom as it is now. This is good news especially for the credit card holders. This is another step taken forward by the Federal Reserve to bring in more transparency in making the policy decisions.  This may help the public understand in what way the fed actually is working and what its motives are. As the interest rates are still low, it may help you to avoid incurring huge debts and if you are a careful shopper, you may not be required to even opt for debt consolidation to pay down your credit card debts.

Interest rates going to remain the same

The interest rates of the credit card are going to remain the same till 2014. This is going to be extremely helpful for the people using credit cards. This will mean that you won't be required to pay more in interest against the credit card debts incurred through credit card usage.

So, why do you think is the Federal Reserve still going to keep the interest rates low till 2014? The main reason due to which the rates have been kept low is the slow paced economy. It is the Fed's Federal Open Market Committee or FOMC which sets the monetary policy. As they have done from the time of the recession -  keeping the federal funds rate low - the FOMC has again decided to keep the rates at as low as 0 to 0.25 percent. They have said that until they are going to see any positive change in the economy, they are not going to increase the rates of the federal funds.

The economists are of the view that if the Federal Reserve keeps the interest rates low, it may be quite encouraging for the businesses. They may feel more interested to invest in the growth now and they may not simply wait for that more stable economy. This may result to a situation where the consumers will start to spend more, especially on the big ticket items like the cars and also the new homes.

Thus, it can be said that if you can manage to pay the bills on time, you may not have to see any unpredictable rise in the interest rates of your credit cards. But, another very important that should be considered too is that if economic forces like inflation occurs, or if there is a rapid economic recovery, it can result in increased rate by the Federal Reserve.

Dejo
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The global monetary system is failing to fulfill its role in our modern society. Local currency is an alternative way of being sustainable, the official money system is not the only possibility. Let the experiments proceed!

 

Gaja
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Iz Grčke stižu vijesti da je globalna financijska kriza toliko strahovito pogodila određene društvene slojeve da su neki roditelji postali presiromašni da bi brinuli o vlastitoj djeci, pa su u očaju prisiljeni odreći ih se! Ta je bolna odluka sve češći, jedini izbor onih koji više nisu u stanju prehraniti ni sami sebe. U Grčkoj je trenutno veoma teško nabaviti i obični aspirin, manjka gotovo polovica od 500 najčešće korištenih lijekova. Nije potrebno napominjati da Grčka ekonomska katastrofa predstavlja blisku budućnost mnogih država.

 

moreplovac
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Već je dugi niz godina ekonomistima jako dobro poznato da rast našeg globalnog sustava zahtjeva nestanak ili pokoravanje konkurentskih sustava i postojećih alternativa. Ekonomisti naravno dobro znaju i da uspjeh biznismena i poslovnih žena uvijek dolazi na nečiju tuđu štetu. Vampiri kroz institucionalno financijsko porobljavanje većine od 99% ljudskih bića, sišu životni sok iz ostatka čovječanstva kako bi njih 1% moglo uživati u plodovima svog rada.

Novac, ekonomija i etika; jesu li uopće međusobno povezani? 8 ožujka 2011, na stranicama jednih od najpoznatijih svjetskih novina, The Times, objavljeno je sljedeće pismo koje potpisuje Lord Kalms - House of Lords:

Valter
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Shocking video exposes the true nature of the establishment of the European Union. Do you relly want to become a slave of the corrupt monetary, political and judicial system? Unelected European masters insist that you feed them through insane debt-based money and the central banking system. But that's not the full story - unlimited money supply is not enough for these people, they want all of our souls! And of course, they will be immune to any kind prosecution for anything they do...

You need to a flashplayer enabled browser to view this video

roman
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While the 99% suffered hardship, a new study shows that the Fed propped up buddies in the banking industry and a vast shadow banking system far beyond what anyone has guessed. Bailout Bombshell: Federal Reserve "Emergency" Bank Rescue Totaled $29 Trillion Over Three Years!

 

administrator
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Worth Appraisal And Exchange System

Crom Alternative News, 14 December 2011 - Enrico Furia

administrator
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Sustav Za Procjenu I Razmjenu Vrijednosti

Crom Alternativne Vijesti, 13 Prosinac 2011 - Enrico Furia

administrator
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Sistema Di Stima Del Valore E Dello Scambio

Crom Notizie Alternative, 12 Dicembre 2011 - Enrico Furia


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Crom - Free Planet Money, A Choice In The Form Of Alternative Currency That Through Internet And Mobile Banking Is Available To Everyone, Anywhere In The World. Crom - Novac Slobodnog Planeta, Izbor U Obliku Alternativne Valute Koji Je Kroz Internet I Mobilno Bankarstvo Dostupan Svakome, Svugdje U Svijetu. Crom - Denaro Dell Pianeta Libero, Una Scelta In Forma Di Moneta Alternativa Che È Attraverso Internet E Mobile Banking A Disposizione Di Tutti, Ovunque Nel Mondo.Publish Your News

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Crom payment system represents a monetary reform, different way to make the money supply equal to the available supply of goods and services, and a new method to finance the economy without usury. In practise, an ideal opportunity not only for global and local business, but also for movements and projects which promote sustainable natural living, food sovereignty and greater auto-sufficiency, production and consumption of renewable green energy, such as Transition Towns and ecovillages. Crom platni sustav predstavlja monetarnu reformu, drugačiji način da se ponuda novca izjednači s dostupom ponudom roba i usluga, te novu metodu za financiranje gospodarstva bez lihvarenja. U praksi, idealna prilika ne samo za globalne i lokalne tvrtke, već i za pokrete i projekte koji promiču održivo prirodno življenje, prehrambenu suverenost i veću samodostatnost, proizvodnju i potrošnju zelene energije, kao što su u Tranzicijski Gradovi i eko sela. Sistema di pagamento Crom rappresenta una riforma monetaria, modo diverso per livellare l'offerta di moneta con l'offerta di beni e servizi disponibili, e un nuovo metodo per finanziare l'economia senza usura. In pratica, l'occasione ideale non solo per le aziende globali e locali, ma anche per i movimenti e progetti che promuovono la vita naturale sostenibile, sovranità alimentare e una maggiore auto-sufficienza, produzione e consumo di energia verde rinnovabile, come le Città in Transizione e ecovillaggi.    News Categories

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 Regardless of whether you are the owner of e-shop, small entrepreneurs, worker looking for a housing loan, farmer in financial difficulties or an ordinary consumer who needs to borrow money to buy a new television, Crom Alternative Currency System offers monetary sovereignty and the possibility of life with more democracy and less police, military and lawyers, less taxes and more tourist travels with vehicles that do not pollute the environment, less stress and more free time and going to the restaurant more often... Bez obzira na to jesi li vlasnik elektronske trgovine, mali poduzetnik, radnik u potrazi za stambenim kreditom, farmer u financijskim problemima ili obični potrošač koji treba posuditi novac za kupnju nove televizije, Sustav Alternativne Valute Crom nudi monetarnu suverenost i pruža mogućnost života s više demokracije i manje policije, vojske i advokata, manje poreza i više turističkih putovanja vozilima koja ne zagađuju okoliš, manje stresa i više slobodnog vremena i odlaska u restorane... Non importa se sei il proprietario di un negozio online, piccolo imprenditore, lavoratore in cerca di mutuo per l'acquisto della prima casa, l'agricoltore in difficoltà finanziarie o consumatore che ha bisogno di un prestito di denaro per comprare una televisione nuova, Sistema Di Moneta Alternativa Crom offre la sovranità monetaria e una possibilità di vita con più democrazia e meno polizia, militari e avvocati, meno tasse e più viaggi turistici con veicoli che non inquinano l'ambiente, meno stress e più tempo libero e uscite al ristorante...    Login

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 Tired of financial crisis, public and private debt, high interest rates, increasing inflation, declining purchasing power and excuses? It's a time for a change... something new and completely different... independent monetary and financial system, marketplace and social network - all in one... Umoran od financijskih kriza, javnog i privatnog duga, visokih kamata, porasta inflacije, pada kupovne moći i političkih izvinjenja? Vrijeme je za promjene... nešto novo i sasvim drugačije... neovisni monetarno financijski sustav, tržnica i društvena mreža - sve u jednom... Stanco delle crisi finanziarie, debito pubblico e privato, alti tassi di interesse, inflazione crescente, declino del potere di acquisto e scuse politiche? È ora di cambiare... qualcosa di nuovo e completamente diverso... sistema monetario e finanziario indipendente, mercato e rete sociale - tutto in uno...     Who Is Online?

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