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Tag: dollars

  • Student Loan Debt Clock Is Ticking Away At 1.57 Trillion Dollars On Election Day 2016

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    The academic bubble is ready to burst, all the while academics in their infinite wisdom tell us they know best how to run our society and civilization – don’t you find that odd? It seems they haven’t gotten their own house in order, and yet, want our entire country to run like a giant college campus – interesting indeed. These same academics want to tell us how to vote, re-distribute wealth, and how to think – well, I think their day of reckoning is right around the corner – and I fear what’s to come will not be pretty. No, I don’t want to be the one to say; “I told you so.” Surely, there are others with more social media followers who see the reality of the situation to spread that in-your-face slap when the time comes. Okay so, let’s talk shall we?

    40% of the student loans are in technical default (90-days in the rears with no further agreement to catch up on payments). That is 583 Billion Dollars in defaulted loans that we may never see payment of. Trust me when I tell you that the College Loan Bubble has burst and is extreme crisis. Why is this allowed to continue? Well, if it stops it will collapse academia, become a huge problem for our Federal Government, add over 1/2 Trillion to our $20 Trillion National Debt, and cause the angst of millennials who the Democrats have all but promised “Free College For All” during the 2016 Presidential Election.

    Still, by the time the election is over the Student Loan debt will be 1.57 Trillion Dollars, even though the official figures claim it only 1.2 Trillion which was actually the figure before the start of the 2015 Academic Year.

    If you don’t see the enormity of the problem, let’s talk about the auto industry right now. It turns out that the number of “Subprime” auto loan defaults are at another all-time high of 4.5% – Subprime meaning loans made to those without proof of ability to pay or marginal credit ratings, perhaps coming from low-socioeconomic borrowers. Last time this happened the auto industry crashed and needed a big bailout, and we are reaching those same numbers now – and realize this is only 4.5% not 40-50% like the student loan problem.

    Scared Yet? Well, it is Halloween 2016 today, and I am, and no, there won’t be any good witches flying in on their brooms to win the next election to use hocus pocus to make this problem go away – indeed, both presidential candidates are likely to see the auto loan problem get worse, as well as the student loan debt problem – not to mention our stock market breaking all-time highs with PE Ratios and major stock market indices records.

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    Source by Lance Winslow

    Views: 0

  • Affiliate Marketing Tips – How to Earn Your First Dollar With Affiliate Marketing!

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    Do you want to know how to earn $10 to $20 per month with affiliate marketing? The very first thing you want to do is to make your first dollar. It seems obvious, but many beginners try to make thousands of dollars at their first try.

    It doesn’t really work like this. Do you know that those who are earning several thousands per month started from scratch? Most of them have spent month to build their business. So what you should do when you are just getting started? There are many ways to get started, but all you need to do is start somewhere.

    You can write articles and submit them to directories. Why would you write articles and submit them for free? Good question. In fact, you should do this to drive traffic to your site and build a list of subscribers. Many beginners think that it is better to send the potential buyer to the merchant site, but this is not the way to do it because when you do this, you will never have another chance to promote your affiliate product to this prospect. When he leaves your site, he is gone for good. But look at this scenario now. When you build a list of prospects and send them valuable information, they will start to trust you and later on, they may buy from you.

    So if you want to make your first dollar online, write articles, and add a link in your bio box for visitors to go straight to your own website.

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    Source by Jamian Surenjav

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  • An Unusual Way to Get Rich – Create a Flea Market Small-Business Empire With Wholesale Products

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    FACT: Many people earn $1,000 per day (that’s $104,000 per year) just selling at flea markets and swap meets on weekends. (I’ve actually made more than that on some days.) Most people think we are just a bunch of poor folks trying to make an extra dollar, and that’s exactly what we want them to think.

    What do we know that you don’t? What are our secrets? Can you do it?

    Yes. Anyone can sell at flea markets and become wealthy…and I’m going to tell you exactly how right here.

    Becoming a flea market vendor is easy and affordable. Your expenses will be the cost of your merchandise and space rent. Daily rent for an outside space can be as little as $5-$10 per day. Many people begin by selling used items and move into selling brand new items purchased from wholesale companies. New items outsell used items two to one and have a higher profit ratio.

    Most people already have a table or two they can bring with them. I actually began my flea market and swap meet business with only $200 and a couple card tables I borrowed. I now earn thousands of dollars every month without fail. (Of course, the more money you have to buy merchandise, the faster your new business will grow.)

    The key is to let your new business grow. Don’t kill it by taking all the profits out of it! I suggest that you have a job or another source of income to cover your living expenses for at least the first six months after starting your new business.

    There’s an old adage in this business: ‘The more you have, the more you’ll sell.’ Believe me, it is true! Take that to heart and put all of your profits into buying more merchandise, so you’ll have even more to sell the next weekend.

    Who do you think most shoppers will go to, the guy sitting there with four items on a single card table or three spaces across the aisle from him literally loaded with millions of different items? If you think you have enough merchandise, you don’t.

    If you use your profits to build your business and buy more merchandise every week it won’t be more than a few months before your sales rapidly increase and you can begin keeping some of the profits for yourself without killing it.

    If you live in a northern climate that is cold in winter or a southern climate that is hot and humid during summer, you might consider renting a space inside a flea market building. Yes, your space rent will go up a bit, but you’ll have the advantage of heat and air conditioning (comfortable shoppers spend more money), as well as a secure enclosure for your tables and merchandise during the week when the market is closed.

    Once your first small business is running well, use the profits from it to open a second small business at the same flea market or swap meet, selling a different type of merchandise. Expanding is as simple as renting another space and hiring someone to run it for you. Again, your costs will only be merchandise and space rent and whatever you pay your help. (Be good to them and they will be very good to you.) Just as with your first business, put the profits back into your second business and allow it to build.

    The profits from two small businesses will allow you to open a third small business with ease. Do the same as you did before and allow your third business to grow. Put the money back into it by purchasing more merchandise.

    Then open a fourth, a fifth, a sixth small business at the same flea market. It’s not only possible but almost guaranteed that if you will do that you will create your own small business empire in less than one year and have a yearly income in excess of $100,000 after expenses.

    If you just put the profit back into your first new business, it will grow without another penny out of your pocket. The profits will allow you to open a second, a third and so on. You don’t need a small business loan to get started.

    Plus, you are not limited to just one flea market or swap meet. There may be other markets within 20 or 30 miles of you, where you can do the very same thing and multiply your earnings.

    If you follow this simple yet effective formula it won’t be long before you can stop selling at flea markets yourself and just become a manager, overseeing your small business empire and stepping in to give your employees breaks.

    Once you are making a very good income, consider other ways to invest your money to make even more profit, such as opening your own wholesale house and selling merchandise to flea market vendors and make even more.

    Flea markets and swap meets are an excellent venue in which the average person may start their own small business and become wealthy by creating a small business empire.

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    Source by Allen Farlow

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  • Rare American Coins and Gobrecht Designed Silver Dollars

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    Congress suspended the production of silver dollars in 1804 and finally lifted it in 1831. No silver dollars were struck between 1804 and 1834, except when they were used as diplomatic presentation sets.

    In 1835 interest was growing to reinstate silver dollars as regular issue coins. Christian Gobrecht was invited to present designs of the new coinage. Many short lived varieties of Gobrecht’s design were created, because of changing sentiment for the silver dollar in the mid 1830’s, both by the public and Congress.

    Gobrecht patterned his new silver dollar based on designs from artists of the day. The obverse of Liberty Seated came from Thomas Sully and the reverse from Titian Peale’s eagle in flight.

    By the mid 1830’s when these coins were being designed, there were 26 states. Gobrecht original design called for 13 large stars and 13 small stars. That resulted in public criticism, because the 13 original states weren’t more important than the new entries.

    The early examples had Christian Gobrecht’s name displayed on the obverse in tiny letters above the date. This was the only time in US mint history when the full name of the designer was placed on a coin, although initials are commonly displayed somewhere.

    The dispute over the full name on the dollar coin delayed production until December 1836. Public objections were strong enough to bring about its omission in the 1838 issues.

    Basically, the 1836 & 1837 Gobrecht dollars had a plain edge with his name above the date in the rock base, with large and small stars on the reverse. The coins struck in 1839 had a reeded edge, no name in the rock base and no stars on the reverse.

    All Gobrecht dollars were struck in the Philadelphia Mint, and all the regular circulation coins of 1836 and 1837 have a proof finish, so the public could see the high quality of the new coins. This is unique in U.S. coinage, where coins intended for circulation were struck as proofs.

    The Gobrecht silver dollars minted in their various forms between 1836 and 1839 came in both pattern and regular issue coins. A total of 1900 coins were produced between 1836 and 1839 with 1600 dollars dated 1836, even though they were actually struck in 1836 and 1837. The other 300 were delivered in 1839.

    Only 1,000 of the 1600 examples were struck before the end of the year 1836. Authority for new Seated Liberty silver dollars was given by congress in 1834 with the Old Draped Bust, 416 grain weight standard of 1792, rather than the new standard of 412.5 grains of 1837.

    600 more 1836 silver dollars were minted in March of 1837 for public distribution at the new 412.5 grain weight. These coins are very close in weight, but can be differentiated from the first 1836 issue, because they had the obverse and reverse aligned in “medal” fashion, rather than the prior “coin” fashion.

    The 1838 silver dollar is a pattern coin only, with no regular issue struck. These coins are extremely rare, with fewer than 10 pieces in existence.

    In December 1839, 300 more silver dollars were produced and were the last dollars with the flying eagle reverse. The minting of Gobrecht’s Seated Liberty design silver dollars continued in 1840 with a Heraldic Eagle reverse from 1807, and stayed in use until 1873.

    There was little interest in numismatics prior to 1850, so very few of these coins were spared circulation. After 1850 however, numismatics started rising in popularity among Americans.

    The consumer demand was such that the US Mint started restriking earlier coins during the 1850s and 1860s. Mint director James Ross Snowden used Mint dies to create such numismatic anomalies as the Class II and Class III 1804 dollars, and Gobrecht dollar restrikes.

    The number of Gobrecht dollar restrikes is believed to exceed the original mintage figures. All original dollars dated 1836 will show the eagle flying “onward and upward,” while the restrikes made in the 1850’s and 60’s will have the eagle flying horizontally.

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    Source by Paul St. Julien

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  • Repricing on Health Insurance Claims

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    We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

    Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

    When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

    The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

    Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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    Source by Cal J Burgess

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  • How to Lose 50 Pounds in 11 Weeks – 5 Things You Must Do

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    Trying to lose 50 pounds in 11 weeks can seem like a formidable task, but I assure you it can be done.

    I’m assuming you’re not interested in using weight loss pills, appetite suppressants, surgery or any of that other junk to lose 50 pounds in 11 weeks, which is good…’cos I hate those things. Don’t get me wrong, they have their place in certain situations, but in most cases, are an unnecessarily extreme measure.

    When you consider that a gastric bypass operation can cost anywhere between $25,000 to $35,000 US dollars, you have to question whether the advice given to some folks to go through with it is in their best interests or that of the surgeon and his pocket.

    Trying to lose 50 pounds in 11 weeks may be a tough challenge but there are a few things you can do to make your life easier.

    Here are 5 top tips you should follow when trying to lose 50 pounds in 11 weeks.

    1) Believe in yourself / set goals

    The first and most important thing is getting in the right frame of mind. This may sound strange since you already know you want to lose 50 pounds in 11 weeks…so what do I mean?

    Well, don’t worry, I’m not gonna go all Tony Robbins on you and get you jumping up and down in a euphoric state (although there is some truth to that). Rather, I’m saying that you need a clear picture of where you want to be, and focus on it. You need to feel like you’ve already managed to lose 50 pounds in 11 weeks…think about it…how does it really feel. Are your work colleagues inspired and envious of your new body and transformation? Do you have the confidence that you were lacking to ask out that hot guy or gal you’ve had your eye on for like forever?

    Only by picturing it in your mind will you be able to set goals for your success and believe that you can and will lose 50 pounds in 11 weeks. The goals will be the checkpoints on your journey, the self-belief will be the fuel that keeps you going.

    2) Find a good trainer and surround yourself with good like-minded people

    This is an essential and often overlooked part of trying to lose 50 pounds in 11 weeks. A lot of people don’t realise that who they surround themselves with plays a huge part in their self-belief, attitude, and overall motivation and determination. It has been said that a person is the average of the 5 or 10 people they hang around with the most, and this regards health, wealth, ambition, aspiration, relationships, family etc. This is not a hard and fast rule, but I feel there is some truth to it.

    Trying to lose a lot of weight quickly will be demanding and therefore you want to surround yourself with positive folks who are rooting for you, and not people who are waiting for you to fail, so they can say “I told you so!”

    Now, I’m not saying you should just give up and avoid your family and friends, but rather to seek out folks who have similar goals, and understand your situation. Finding people who have been where you are now and achieved your goals can give you a real push to do the same. Why do you think things like Weight Watchers clubs are so successful? It’s because they bring all these people together and they help each other out.

    Where can you find these people? There are loads of forums online where you can find people who are trying to lose weight. Just going to Google or Yahoo and typing something like “weight loss + forum” (without the quotes) will yield all sorts of great things. There are also loads of weight loss and fitness programs online that you can follow to lose 50 pounds in 11 weeks.

    The same applies to your trainer, coach, or workout program that you choose to follow. Are they supportive yet ambitious, pushing you on when things get tough? If not, find one that is.

    3) Eat a healthy diet

    Obviously, diet and nutrition is fundamentally important when trying to lose 50 pounds in 11 weeks. Taking on too many calories will mean you always put on weight, period. Therefore, you will need to create a caloric deficit, by taking on fewer calories than you burn, forcing your body to burn up the fat deposits and use it as energy.

    Finding the right diet is important, and many folks go about it the wrong way. Starving yourself is a big no-no. You may lose a few pounds in the first few days, but it won’t last, as your body will transition into starvation mode and slow down your metabolism to burn less fat (it’s your in-built survival mechanism), making it even harder to lose 50 pounds in 11 weeks.

    So what can you do? Eat more! Yes, by eating smaller meals more regularly you will maintain your metabolism at a higher rate, and this, combined with exercise, will help you lose the pounds faster.

    Green fibrous vegetables like broccoli, green beans, asparagus and lettuce are great healthy foods that can actually help you to burn fat, and it’s almost impossible to overeat on them. Eating more of them in the later part of the day along with a good lean protein like chicken breast is one of the best methods of getting lean as quickly as possible, and losing 50 pounds in 11 weeks.

    4) Follow a good exercise plan

    Without exercise, even the best diet plan in the world will struggle to help you lose 50 pounds in 11 weeks. You need to exercise in order to get the full benefit of the caloric deficit we mentioned earlier. It will create the furnace where you burn off those unwanted pounds.

    Regular exercise also aids the mind, confidence and overall health. By tightening up, toning and growing your muscle, you also help your body to burn fat faster. Did you know that muscle can actually help you burn fat? So the more muscle you have the more fat you can burn, because your metabolism will work faster with more muscle.

    Find a good training and exercise plan, with a good variety of cardiovascular work for your overall fitness, endurance and toning exercises like pushups and sit-ups, and some light weight training.

    5) Stick to it!

    This is the most important and often the hardest thing when trying to lose 50 pounds in 11 weeks. The best diet, exercise routine, trainer, and goals, mean nothing without the small action of going and actually doing it. Things may get tough over the next 11 weeks, but sticking to it and following through will show results, and you’ll be amazed at what you achieve. Once you see a little success you’ll be hungry for more and then it’ll be so hard to stop the momentum you build up, that 50 pounds in 11 weeks will seem like a piece of cake!

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    Source by John Wheeler

    Views: 0

  • Gifts of a Sand Dollar

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    I guess this New York City girl is now a nature enthusiast to the extreme! Our recent sand dollar experience proves it.

    Do you remember that famous story about a girl that throws a starfish back into the sea one at a time along the shoreline? When the girl was told by an onlooker that what she was doing wouldn’t matter much, she replied “it matters to that one” and threw another starfish back into the sea.

    Well, I have a sand dollar story to share. The other day we happened upon a little island while boating and we couldn’t believe how many live sand dollars were in the water and on the sand, green, fuzzy and thriving. They weren’t white and dry like you buy them in a store. My kids were really interested in them and so were we adults, actually. Other kids were getting them out of the water and hauling them home, showing them off to us, and even offering them to us. My family enjoyed holding them and looking at them, but then we’d each throw the sand dollars back into the water… to keep on living… and we left with only memories as souvenirs.

    Now I wasn’t always like this. In fact, when I was a teen, my folks took me to the Bahamas and we had some natives dive down and get us a couple of starfish that we brought back as souvenirs. Back then it seemed like the most normal thing to want to do. I still remember the shock on my kids’ faces when they first would hear about my youthful vacation and the starfish experience, though. They invariably asked why would I do that because didn’t it kill the starfish? Boy that made me feel lousy.

    Turns out they had a very good point. I’ve learned from life, from my kids, I don’t know from where else exactly but now I feel the same way as the kids do. I wonder, why DID I want to do that? Oh well, the past is done. But now, we CAN save the sand dollars (and the starfish) one at a time at least.

    I guess the other day we all just wanted to save this little bit of marine life. We cared about the little guys in nature. I thought, “now what would happen if ALL the people who came here took the sand dollars out to keep as souvenirs? Then we wouldn’t have had the special magic we found for a little while together on that little strip of sand and sea. And my teenager wouldn’t have said “That was cool, let’s go back there. I liked all the sand dollars that live there”. This straight from the mouth of a known computer enthusiast who spends as much time as possible accompanied by his computer!

    With each passing year I can better see the importance of protecting and trying to save the environment and wildlife. Have I been better educated? Am I just more mature? Maybe. But I think it’s more because I can see the picture better through the eyes of my children who seem to see the world through a special focus and help me to see some facets that I might otherwise miss.

    So let’s not give up caring for the environment just because we think we can’t save it all or make a big enough impact. If we each do our small part, then we’ll be able to help keep nature’s magic around for ourselves and for our future generations to learn from and enjoy. We’ll play a supporting role in the drama of our living environment when we choose to receive and give… the gifts of a sand dollar.

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    Source by Liz Hekimian-Williams

    Views: 0

  • Earn Dollars With Google AdSense

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    If you want to increase your business earnings yet you do not want to be too pressured handling a new business that venture into a new industry, then trying Google AdSense is a good option for you.

    Google AdSense is a collection of links which may be posted on different sides of your website. It offers various products and services such as online games, internet products and more. When someone visits your site and clicks the advertisement, then you will earn some dollars from it.

    You have to take note that before settling for Google AdSense, your website needs to have a decent page rank. Increased traffic will help you in having higher chances in this strategy especially if the advertisement is appealing to your website’s visitors.

    Passive income is what most website owners like, especially that investing some dollars will never be required. Your Google AdSense will start to skyrocket only if you know how to do well. Unfortunately, it may not be the answer to your prayers, especially if you want to become a millionaire through your website. It may be possible to earn a lot only if you will drive excessively. So as to make it plausible and if you want to be able to do well on this aspect, then you have to work on various internet marketing strategies. Here are some free strategies you might like to look at:

    1. Write articles in various Web 2.0 sites.

    2. Exert some time doing blog and forum commenting which are on the same niche as yours.

    3. Partnered blog. Seek for a blogger who would be interested in mentioning your website.

    4. Video marketing using various platforms such as social media sites and YouTube.

    5. Social media marketing. These are free sites and are widely used by many individuals. Because of that, it can be used for marketing your website. People who are interested of your chosen niche will definitely click your website.

    What Should Not Be Done

    Google is very strict when it comes to Google AdSense. You have to make sure that you follow these guidelines:

    1. You are not allowed to click your own ad.

    2. You must not ask people to click the ad. Something like “Hey, could you do me a favor? I need you to click this link: blah… blah… blah… ”

    3. Be careful in placing your ads. Some website owners place this advertisement in areas where people may click them accidentally. Do not do that.

    4. Promote your website well. If you will ask a company, make sure that they will follow Google’s guidelines to proper promotion.

    5. Make use of Google Analytics.

    6. Ads may not be placed on websites which are prohibited by Google such as porn sites.

    7. Do not tamper the codes provided by Google.

    8. Avoid pop-ups which have no relevance to your niche.

    9. Respect Google’s trademarks.

    10. Be responsive whenever Google needs to contact you, in case your Google AdSense experienced a problem.

    Once you have finally ensured regular visitors, then more people will be able to see the Google AdSense you are trying to work on. You do not need to spend lots of dollars in order for you to be able to increase the amount of traffic your website is receiving. And basically, if you will only rely on Google AdSense, spending money for your internet marketing strategies should never be an option.

    But if it will serve as an additional earning apart from your online business, then this should not be set aside. The money you will be earning from it is still decent enough and it requires no investment. Good luck on your Google AdSense.

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    Source by Hiyasmin Loong Elebaran

    Views: 0