As sad testimony to the state of the Nation’s economic affairs, the FDIC is sending out their weekly list of banks that have failed.

This week brings us news that the four following institutions have bit the dust:

1) Community Bank of West Georgia, Villa Rica, Georgia.

2) Neighborhood Community Bank, Newnan, Georgia.

3) Horizon Bank, Pine City, Minnesota.

4) MetroPacific Bank, Irvine, California.

Rest In Peace.

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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