Business and Finances
How do you know if your bank or credit union is financially stable? Did you pick the best life insurance or property insurance company? And did you purchase the right amount of insurance for your specific needs?
You can find the answers to these questions and more by visiting one of our newer digital resources, Financial Ratings Series Online, free to anyone who has a library card from the Central Rappahannock Regional Library.
Financial Ratings Series Online is designed to direct you toward safe banking and insurance options while helping you avoid unnecessary risk that could lead to financial losses. It gives you independent ratings and financial planning tools you need to make informed decisions about your insurance and banking options.
The website is super easy to navigate. You may search for banks, credit unions, or insurance companies by name, by geographic locale, or by their independent rating grade. Want to see all the banks with an A rating in Virginia? We can get that for you! Need to know which credit unions were recently downgrading? We can get that for you! Want to see a report on your company that lists historical ratings, assets, capital, net income, affiliates, principal lines of business, or where it is licensed to do business? Got that, too! Just click on View Report when your search results show you the name of a company you want to investigate.
Financial Ratings Series Online is just one of the many premium online resources CRRL offers library card holders. Simply enter your 14-digit library barcode number for full access from anywhere! For more information, please contact us!
This interview airs beginning September 14.
Carl Silver’s life is an amazing story. Born of humble parents, his business acumen, his ability to negotiate, and his reputation for integrity and fairness have served him well as a successful entrepreneur and developer. Debby Klein visits him to talk about his accomplishments and the impact they have had on our community on CRRL Presents, a Central Rappahannock Regional Library production.
An observation worth noting: I have recently been approached by a growing number of people wanting to build a web site for their business. This would have been a much more daunting process even a few years ago. However the Web has evolved to meet these needs more easily. There now exist many online storefronts through which small businesses can be run. Though I am unable to recommend one service over another, either through direct experience or secondary knowledge, here are a few of the more popular selections that can help anyone get started.
Manage your investments with information from our newest online database, Value Line - Expanded Library Edition. All you need is a CRRL library card and access to the internet from anywhere in the world!
Value Line includes a weekly online presentation of their Investment Survey, full-page reports with analyst commentaries, Timeliness™, Safety™ , and Technical™ ranks on over 3,500 large, small, and mid cap size companies, information and rankings on an additional 4,500 companies and three-to-five year projections of key financial measures, and concise, objective commentary on current operations and future prospects.
Need more info? Try the Morningstar Investment Research Center, another online database of stock and mutual fund research, data, and analysis. You can even track your own portfolio!
TV Is Dead. Long Live TV
In these lean times, we’re all looking for ways to cut household costs. You may be pondering whether you should ditch the cable TV or the broadband Internet to free up $50 a month. Take my advice and lose the cable. Heck, even if you aren’t in a financial pickle, go ahead and dump it. Your life will be better for it. Here’s why.
Maintaining your privacy online is a tricky matter, as I’m sure you know. And though you’re using a firewall as well as anti-spyware software, and you’ve password-protected your computer, that does almost nothing to keep your information secure online. Here are some ideas to help keep you to yourself when surfing the Web. For your convenience, I’ve divided the information into basic and advanced sections.
This directory was printed in the main body of The Free Lance newspaper.
The Free Lance.
FRIDAY, FEBRUARY 6, 1885.
[Entered at the Post-Office at Fredericksburg, Va., as second-class matter.]
Our Business Directory is as complete as we can make it for the present. It shows the organization of the city, the courts, the churches partially, the several societies, together with the date of their meetings, and also our active business men, individually, as firms.
Good health, enough wealth, long life, happy families—the stuff that dreams are made of. But most Americans' lives fall short in one or more of these areas, and often it's the midlife years (40s to 50s) where things start to go haywire. If you're one of the many, many people who feel that just when they got the hang of the game, the rules completely changed, read on.
What's different about money management at midlife?
We were recently interviewed for possible inclusion in a book about word-of-mouth-marketing. The authors are intrigued with how we market our library services and resources not just to our patrons, but also to our funding organizations, other libraries, and other organizations. For example, staff have used free software programs to create a video entitled "Who Needs the Public Library?," which you can view on YouTube in our crrlvideo "channel."
Game tickets, antique china, power tools, jewelry, laptops, cars, pianos--they're all available online, new or used, cheap or pricey. If you haven't learned the in's and out's of the online auction yet, this is a good time to start. With the holidays just around the corner, think of online auctions as another option for finding gifts, decorations, and those gotta-have's that always seem to pop up around this time of the year. Have a house bursting at the seams with too much good stuff already? Downsize online, and pick up a little cash to cover the holiday bills.