More Checks Less Bills 01

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You may have realized that cutting back and tightening is not that helpful in having extra cash at the end of month. What you will need to do is have a method or means to have additional paycheck(s). You may want to consider a Plan B. What is Plan B, you ask.

Your Plan B will be a system that will generate additional cash flow (paychecks) to your regular income flow. How does one do that?

You can’t count on inheriting a pot of money or winning a lottery, entrepreneurs create most of the wealth in the country. There are plenty ways you can start your business online without costing you large cash outlay. The most important thing you need to note is that you will need to devise a system that will generate a cash flow for you on a regular basis. Here are some ways you can start now!

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Free $5 For Small Investors

The best way to make money is to make money make money for you. You do not have to be wealthy. It is not restricted for wealthy only.

There is app that enables you to start investing with as little as $5 for just $1 monthly fee (with first 3 months free). You can open account here.

Stash selects investments from professional fund managers and investors and lets you choose where to put your money. You just choose from a set of simple portfolios reflecting your beliefs, interests and goals.

Bonus: Right now, The Penny Hoarder is teaming up with Stash to match your first investment — so you’ll get an extra $5 to get started!

Make Money With Your Car

Are you making car payments? How would you like to get money to pay for your car? You can by using your car, really.

Using your car and your smart phone to find the best route across town, you may be able to add to your regular monthly income. It’s helping people reach their destination.

As an Uber contractor , your earning will be based on a base fare, plus time and distance traveled after your pickup. You set your own schedule.

There are very few requirements:

  • Over 21 years of age
  • 3 years driving experience with clean record
  • No criminal background
  • Four-door car registered and insured

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Helping Doctors Find Cures

Did you ever think that medical testing can lead you to make good money? You will also contribute to medical research in finding cures. There are people who made as much as $12,000 from participating in sleeps studies. If you have one of these ailments, you may be able to earn money- migraines, psoriasis, cluster headaches, rheumatoid arthritis, and Crohn’s disease.

You will need to fill in a questionnaire with a valid phone number and see a study doctor to see if you are eligible, and complete the study-required visits, before you’ll be compensated for participating. Check out one of the sources here

Get Paid To Be Political Activist

Do you think that currently country is divided? Why complain only? Would you like to earn money while being political activist? If you are savvy enough, you can be on both sides of any major issue and earn even more.

You can make $12 to $15 an hour writing letters to members of Congress. You’ll be able to learn more about the issues available before committing to writing a letter, so if you want to stick with your own political views, it’s easy to pick and choose.

The advocacy groups, such as Next Wave Advocacy, LLC and DDC Advocacy, run grassroots political campaigns on issues such as healthcare, energy, defense and taxes.

They hire people (which is where you would come in) to call constituents or advocates, folks who might be interested in the issue at hand. Your job is to help those people communicate their opinions by writing letters on their behalf to Members of Congress.

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Get Paid To Take Surveys

It is possible to make $50 for a 10 minute survey, really.

You will be taking surveys on the internet and getting paid. Of course, every survey is not going to pay you. You will need to know the best survey companies to work with. Big companies around the world need people just like you, to voice their opinions about their product… and, they’re willing to pay you for your time!

You can get the list  here.

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Being Employee Versus Being Contractor

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Companies are finding it very difficult to maintain employees. Like it or not they are burdened with so many laws and regulations associated with having employees. From employers’ perspective, they are no longer employers only but they are tasked to be a “daddy” instead. They have to provide safe place to work. They have to pay for your health. They even have to pay you in the event you want to become a parent. There may be merits for providing benefits to the employees. But they surely cut into employers’ profits. So the employers opting out for hiring people as contractors rather than as employees.

As an independent contractor (IC), you contract to perform services for a company without having legal status as an employee. In essence, you are in business for yourself. Independent contracting has been used in highly specialized or technical fields, such as computer programming, engineering, and accounting. But ICs are being used in almost every field, from construction to marketing to nursing.

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Independent contractors reap many rewards that regular wage earners may never experience. As an IC, When you’re an IC, you’re your own boss, with all of the risks and rewards that entails. You can choose how, when, and where to work, for as much or little time as you want. IC is able to work with more than one company provided there is not direct conflict. Interestingly, the amount of money they make is directly related to the quantity and quality of their work.

As an IC, you will be earning more than as an employee. According to the Wall Street Journal, ICs are usually paid 20% to 40% more per hour than employees performing the same work. That is because the firms don’t have to pay Social Security taxes or unemployment compensation taxes, provide workers’ compensation coverage, or provide employee benefits like health insurance and sick leave.

Being an IC, you will enjoy many tax benefits that are not available to employees. For example, no federal or state taxes are withheld from your paychecks. This means you can hold on to your hard-earned money longer before you have to turn it over to the IRS. It must be noted here that you need to pay estimated tax and you can’t underpay.

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Furthermore, being an IC, you are eligible for business-related tax deductions that are not available to employees. ICs can also establish tax-advantaged retirement plans such as SEP-IRAs and Keogh Plans. This enables you to shelter a substantial amount of your income until you retire. Because of these tax benefits, ICs often pay less tax than employees who earn similar incomes.

There are major drawbacks for being an IC. If a company has no work, you will not get paid. So it is essential, that as an IC you will need to be associated with several firms. You are responsible for your own health insurance, retirement plans.

Some ICs have great difficulty getting their clients to pay on time or at all. When you’re an IC, you bear the risk of loss from deadbeat clients. As an IC, be sure to address the payment of your services from the firm. You should also add penalty clause, if you are not paid in time. Many ICs contracted with government agencies can get paid as late as for 1 year.

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Being an IC means you are in business for yourself. As an example, If you are getting paid $20/hr. as an employee, your company charges their client anywhere from $50 to $100 for your services. The point is that as an IC, you will be able to ask much as $75 an hour for your services.

As stated earlier, ICs were used in specialized fields but firms are opting for ICs in other areas such as administrative areas. As firms lack expertise and do not wish to employ a full time employee(s) for social media presence, this need can be fulfilled by ICs. For five hours per week of work a social media specialist, you can easily charge a firm $250 to $500 per month. As an IC, if you have contract with just 10 regular firms you are likely to earn $2500 to $5000 per month. That is not bad for only 50 hours per week- in most case; you will earn that without leaving your home.

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If you are personal trainer, it is likely that you will be employed at $15 to $20 an hour. But as an IC, you could contract with many local health clubs at $10 to $20 more per class or person. If you are trainer in special areas such as- yoga, Zumba, Bollywood dancing, spinning bike- you are likely to get heft contracts.

Check out the areas that you may be able to become an IC.

 

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Future Is In Micro-Niche Business

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Good or bad, internet has allowed consumers more options. All they have to go online and search. The surfing world is all about personalization and customization. No more the days of ‘one-size-fits-all”. What that means is the days of large grocery stores are gone. Imagine not going to Walmart, Target and wait in line for hours.

People no longer listen to music. They prefer their music streaming service to know what they want and deliver it automatically. Simply put, technology today allows small niche business to compete with big companies.

We live in a world defined by personalization and unique product offerings. Thanks to the rise of technology that allows the customization of everything from music playlists and car amenities, to news articles to takeout orders. Smaller cultures that function within the wider culture are becoming more common, as is the acceptance of a variety within tastes and lifestyles. The marketplace is changing rapidly to accommodate this new culture of diversity. And it’s doing this through niche micro businesses.

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What is niche micro business, you ask?

Niche micro business caters to a specialized market that is normally either neglected or forgotten by larger companies. In essence, mom-and-pop types of venture are making a comeback. Only difference is that they no longer have to have physical retail presence. But their presence is virtual and can be accessed anywhere in the world.

Believe it or not, even today niche brick and mortar micro-businesses that you’d never think were actually successful businesses. But they are! And if you’re considering an online business, the same concepts apply, except you can reach even more people.
The advantages of micro business are awesome, thus starting them is easier. They are easier because they are focused. Pinpointing a precise service or product allows the entrepreneur the chance to develop an in-depth knowledge in a particular area.

Make Money Helping People Stay Ageless

Another significant advantage is that it is much easier to target a very specific customer base. Modern marketing system using social media allows advertisements and connections to be made with targeted communities, lowering marketing costs and allowing higher returns on those marketing dollars.

It is no secret that women like to look beautiful, but they are concerned about all the chemicals in the beauty products. What if you are able to create beauty products from natural ingredients? You can take on the salon industry by offering women precisely what they want: simplicity and service. If you have a base of 100 regular clients with average profit of $25 a month, there you have at least $2500 a month earnings.

What all of this adds up to is a shift in focus for the business community, in which businesses will increasingly move away from offering everything for everyone to realizing that an effective path to success is a focus on just one idea done extremely well.

Make Money Helping People Stay Ageless

This is great treat for you- now you will be help people set up their niche-business online. There is a need that you can serve and help you and others create wealth generating empire.

To Be Wealthy Is To Have Plan B


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Diabetes Loophole Review

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Strange as it may sound, it is possible that your family may have history of diabetes. Some may know it, but many are not aware at all. There is no urgency as you may not have been diagnosed it. Of course, the best way to avoid getting diabetes is not have it in the first place.

In most cases, diabetes can be prevented by changing your lifestyle. Before you know it, you are increasing your weight. You are stressed during the course of life, so you use food as a coping mechanism. Of course, you do not have any time for physical workout. You may not realize it, but it is likely that you are heading toward pre-diabetic stage.

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There is absolutely no reason to reach this stage. You will need to change your diet and exercise routine. You do not need a doctor to tell you how to eat well or what workouts to do. Simply avoid foods that enhance blood sugar level in your body. Minimize your calorie intake and allocate dedicated time for your exercise routine.

There is lot to diabetes. How not to get diabetes? There is so much information out there that you are overwhelmed. So what should you do?

At the onset do not fall for scams. To learn about how diabetes can be prevented or treated, check out the book, The Diabetes Loophole. It is really promising.

Get Book On Diabetes Here

The book will give you realistic perspective of diabetes and how it can be cure in the event you have it. Alarming as it may be, even your physicians will not tell you me how to reverse my pre-diabetic status – it was so easy with this book.

The book is really straightforward to follow. You can implement author’s strategies in no time at all. For example, diabetes can be healed through Hydration. Imagine, plain old water could do so much for my health! The book will help you to adapt to new healthy lifestyle.

You only have one life to live, why not live diabetes-free and healthy.

Get Book On Diabetes Here

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Strong Woman Not Alpha Woman Make Good Partners

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Can a real woman be strong and yet not classified as Alpha woman? Simple answer is yes.

A strong woman is capable of overcoming of obstacles and hurdles on her own. You may have come across her in form of your mother, sister, friend, teacher or a girlfriend. Many men are likely to be intimidated by strong women because they are not sure if she can be intimate, but in reality a strong woman will not shy away from intimacy if she longs for you. As her partner you can be sure that a strong woman is likely to be an asset to enhance life’s journey.

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Strong woman makes a desirable and yet practical partner.  A strong woman with inner strength is capable of taking care of herself.  She is unlikely to play a victim card but be a willing partner to shower love and affection because she is self- assured.  Strong woman does not allow herself to succumb to emotional blackmail because she detest being weak. Respect is what she has and respect is what she seeks. It is more than likely she will help her partner fight his battles.

Being strong woman, she is aware of her weaknesses in herself and her partner thus totally capable of facing life’s toughest situations. At the same time a strong woman is likely to see through selfishness and fake behaviors and is capable of discarding anyone from her life with no hesitation.  A strong woman, like a man, desires space – “me” time. Just like a man, time out with men or watch football or whatever.

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To capture a strong woman, a man needs to be strong. Strong woman seeks same greatness in a man she wants and desires. She does not need someone who constantly seeks for approval. She seeks a man who has a goal and is working hard to accomplish it, or (even better) already there, doing what he loves to do in life.  A strong woman can be a boost to a strong man because she will analyze him. She will show him who he is, even the parts he does his best to hide.  She will tell him how amazing he is and what he is capable of and also point out his mistakes. Make no mistake that a strong woman will go through hell for her partner provided he is loyal and committed to her.

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Beware; strong woman will not be at your mercy because she is more than capable of living happily flying solo.

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Alpha Women Do Not Represent Real Women

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Year 2016 was supposed to be the year of Alpha women lead by Hillary Clinton.  But American voters (especially in heartland) came in the way and chose an Alpha man, Donald Trump.  The feminists, Alpha women, were shocked.  Hillary Clinton was supposed to win.

It was supposed to be a woman’s turn.  So feminists organized Women’s March to protest Trump’s election and demanded women’s rights.  Imagine marching for women’s rights, when women throughout the country already have the rights.

In the current divisive atmosphere, Suzanne Venker’s recently released book, “The Alpha Female’s Guide to Men & Marriage” (Post Hill Press), is bound to stir up controversies within Alpha women.  In the book, Venker suggests alpha females must find their “inner beta,” try to be more feminine, stop arguing so much and serve their husbands.

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Did you catch that phrase, “serve their husbands”?  Alpha women will question, if marriage is supposed to be “equal” then why do women “have to serve”?  To Alpha women serving someone, especially a man, is not being EQUAL.  But to real woman, as Venker said, “To serve someone is to love them.”  That is the difference between Alpha women and real women.  Alpha women look at relationships in terms of battle between genders whereas real women look at relationships through tender loving care.

The Alpha women are likely to protest Venker’s premise that marriage is not a partnership between two humans who cherish each other’s happiness and sanity, but as some sort of hero/sidekick setup in which the star must be lovingly groomed and propped up for the good of the unit. Alpha women, who are groomed to lead do not see virtue of love or are unable to love, will insist that a marriage does not need a beta.  You must bask equally in each other’s light.

In reality, real woman are practically “Alpha” woman- as a wife she micromanages, delegates and makes most or even all of the decisions. But real woman realizes that her man responds to a softer approach from his wife. The real woman is a practical. After all who would want to put up with a nagging wife?

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Times have changed.  There are more Alpha women now.  Many women have been raised by single moms so they have been groomed to be independent and perhaps been taught to never depend on a man.  They have been groomed to be a head of households or leaders.  They have not been groomed to be wives.  Like it not, most women have been converted to “man”.  They are competitive like men.  They are likely to be more masculine than men.  Simply stated, now they are Alpha.  In some cases they have achieved more than equality.  But what they have gained in being like a man, they have lost out the terrain of love that real women possess.

I am not a woman, but I can see presence of a real woman.  In some respect, real woman is far superior to a man (me). A real woman knows how to be feminine- a state of mind and attitude.  That is a real woman is nice. She is soft and tender.  She is strong and yet awesome.  Awesome through her yielding heart and yet strong through her power of love.

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In essence, I have no qualm in accepting Alpha women who may be as good as men or better.  But to add meaning to my life, I would likely to pursue a real woman.

Happiness Is In Loving


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Online Dating Good From Far

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The expression “good from far” really applies to online dating. Why do I say that?

My friend is so much into a person who she met online. She is really into him that he manages to manipulate her even though he is well over 600 miles away. He sees her once in three months. He forgets her birthday. Sometimes he even forgets to call her. But online magic is such that she yearns for him.

Whenever I see her, I feel a deep sense a rejection — not personally, but on behalf of my friends who are interested in her. Of course, from my point of view, my friends are far better than her online beau. Instead of interacting with the people around her, she chose for a companion she met online.

How To Find Partner Online

Online relationship is a new reality. It extends the option beyond the local circle. Online dating has proved even more useful — both to individuals and society — than the traditional avenues it has replaced. The young people’s view of life has changed. The age of first marriage is now in late twenties and more people in their 30’s and even 40’s are not ready to settle down.

The rise online dating websites gives people access to more potential partners than they could meet at work or in the neighborhood. It makes it easier for someone who is looking for something very specific in a partner to find what they are looking for. Most importantly, it’s modern romance which allows them to enjoy a pattern of regular hookups that don’t have to lead to relationships.

Let us not forget that online dating has real benefits. For people who have a hard time finding partners in their day-to-day, face-to-face life, the larger potential partners online is a big advantage for them. Online websites offers people choices as to what they are searching for- casual dating, long term relationship, marriage, etc…

How To Find Partner Online

There are basic advantages online dating offers:

  • You can be more selective because you have a bigger group to select from.
  • When you’re using online dating, and there’s the possibility of selecting on characteristics that you know you’re going to like, you’re going to know a lot more about people before a first date.

There tends to be extensive communication before the first date. A lot the information-gathering is attained about your potential by the information you can gather from the profiles and from a person before actually meeting them.

There is that need for love, romance, relationships and sex. The new technology- online dating- enables people to match people who would have otherwise not found each other. The real advantage (for those who do not mind getting out of comfort zone) is being able to find people you might have commonalities with but otherwise would never have crossed paths with.

Online dating tends to break a religion barrier. Simply because, you can’t tell what someone’s religion is from their picture. On online dating, the picture marks you with gender and race pretty clearly, but religion is something that you have to dig through to figure out.

How To Find Partner Online

There is no longer need to settle down mentality. There’s a little bit of a tendency now to put off settling down. Not a problem necessarily, but good or bad, it is the consequence of online dating.

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Lion- Haunting Pursuit Of Mother In India

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Each one of us has many dimensions. The powerful dimension is your attachment to your mother. Not only she has brought you in this world but she has nurtured you. The other significant dimension is identity. After all is said and done, each one of us crave for identity. One of the resonating dialogues in the movie that captivated this dimension was, “I am adopted, I am not really Indian.”

Lion connects to all people who are adopted, regardless of your nation of birth. There is an eternal burning ember to know who you are, where you came from, but you become the person of where you are brought up. Therein lies the double-edge sword of identity.

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This dimension of mother’s impact is captivated in Luke Davies’ screenplay- Lion– adapted from Brierley’s memoir A Long Way Home. The memoir is a moving, poignant, and inspirational true story of survival and triumph against incredible odds. It celebrates the importance of never letting go of what drives the human spirit: hope.

Lion is miraculous and triumphant story of Saroo Brierley (Dev Patel), a young man who used Google Earth to rediscover his childhood life and home in an incredible journey from India to Australia and back again. Lion brings the innocent gaze of a missing child to its most harrowing encounters leading to the hard-won maturity of a young man. But despite being grateful how the life has turned out to him, Lion focuses on his struggles to know himself.

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Lion begins with introduction of five-year-old Saroo (Sunny Pawar) whose mother (Priyanka Bose) works as a laborer. Young actor Sunny Power, as Saroo, will captivate you in his role as a happy kid eager to prove his maturity by doing anything his brother can do. But fate is such that Saroo and his brother get separated and panicked Saroo climbs aboard a decommissioned train, falls asleep and wakes up to find it moving, taking him 1,600 kilometers away to Calcutta.

Lion in showing Saroo’s survival in Calcutta captures the extreme vulnerability of children and the cunning of those who prey on them by presenting themselves as rescuers. The script also is effective in suggesting how the boy was so confused and worn down by the selective information being fed him that he gave up on ever finding his mother.

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Amazingly, the movie effectively captures tender scenes when he arrives at the home of his adoptive parents Sue and John Brierley (Nicole Kidman, David Wenham). As he grows up, Saroo was a great source of pride and happiness to his adoptive parents. The striking features of Lion are beautiful moments when Kidman’s emotional transparency comes through as they have powerful impact.

Lion is powerful emotionally intensive drama that wrestles with conflicting loyalties. The mother, who raised him, is saddened by Saroo’s sudden withdrawal. Saroo’s girlfriend, though very supportive, feels ignored as Saroo shuts her out. Saroo has been totally immersed in memories of his mother and brother. Lion is captivating as sentimental drama that engages in characters’ reconnecting with their past.

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What makes Lion movie so unique is that it shows simplicity in life despite surrounded by the simultaneous complexity. It highlights that a single, minute accident can completely change your life forever. Onscreen text at the end of the movie reveals that 80,000 children go missing in India every year, and the knowledge that Saroo’s experiences make him one of the luckier ones gives the conclusion enormous resonance.

 

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Online Dating Overwhelming But Helpful

 

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Most importantly online dating was supposed to be a way to connect with others but it is becoming overwhelming for some. The newest, shiniest online dating site may seem to be best method but the more well-established sites will likely help you find a suitable option.

No matter what sites you select, you may want to narrow down your choices by identifying what your intentions are for using an online dating site. Are you looking to meet your future wife, or at this point in your life are you better suited to date only?

Get Dates Online

Online dating’s surge in popularity, there’s never been a better time to jump into the dating scene with confidence. Dating sites make it comfortable to meet new people, and find someone special to share your life with.

There may not be a perfect online dating site for you. The following list of top online dating sites will steer you in the right direction.

Elite Singles

Elite Singles is all about finding the right matches for you. The site is built around an in-depth personality questionnaire which helps in providing excellent matching candidate based on the answers provided.

Get Dates Online

Zoosk

Zoosk is one of the most popular dating sites worldwide. Zoosk offers a uniquely personalized experience for every member. The site has innovative features such as Behavioral Matchmaking which continuously learns your likes and dislikes and suggests matches based on these preferences.

Our Time

OurTime is all about helping singles find exactly what they’re looking for – whether that’s companionship or a relationship. What makes this site unique is that you won’t be matched with someone twenty years younger than you or with whom you have nothing in common. You’ll get daily matches, but you can also search on your own – the choice is yours.

Get Dates Online

Match

Match is a great place to start building your confidence in the online dating arena. Match is all about compatibility, and the site generates matches based on your personality. But if you prefer to meet people offline, there’s definitely an added bonus in signing up with Match. They regularly host bar and restaurant meetups and other events, creating a real sense of community and companionship.

But be careful from the scammers. Though it is pertinent that you be truthful, it may be good idea to not disclose everything about you in your profiles. The detailed information can be shared with your partner(s) when you encounter them in person. In addition, you may not want to share your information on site’s chat or mailbox as many of them have been hacked. In short, be cautious.

Get Dates Online

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Why Aren’t You A Millionaire?

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As full disclosure, I need to admit that I am not either.

Then how am I qualified to write about it? I do not have all the answers. But when I analyze the past and check what mistakes were made, the answers may be intriguing.

Reportedly, there are 10.4 million households- 8.3% of American households- worth more $1 million or more. Comparatively, the average American may not have more than $5000 in bank account.

It must be acknowledged that the wage gap, stagnant paychecks, and lingering effects from the Great Recession may have had dramatic impact can be debilitating. However, unable to reach $1 million milestone may be attributed to the individuals directly.

At the onset there has to be basic realization that it is possible to have $1 million and that accumulation of wealth is a number game. Once that realization gains a strong hold within you, then you need to become practical. What does that mean? The possible options are- Increase your earnings, minimize your debts, and create income-generating investments.

Toughest thing to do is to minimizing your debts. Simply stated, you have to realize the difference between wants and needs. You have to distinguish between which item are necessities and which ones are optional. Even with your needs, you may have to curb your spending. For example, you need a car; it doesn’t have to be the most luxurious car. Neither do you have to spend a lot of money on food. It’s very easy to overspend without even realizing it.

It is said that you are often judged by the people you associate with. That is to say, you are likely to spend more if you hang around people who spend unwisely. Your money habits often reflect the people you hang around with.

The essence of having a million is acquiring financial freedom. The root of financial freedom is to have more cash coming in than going out. The two powerful methods are: to have a plan B to increase your earnings and to start paying off your debts.

It is not possible to become a millionaire with a regular job. For example, if you were making $50/hr., your annual salary is ($50/hr. X 40 hrs./week X 52 weeks/yr.) about $100,000. If you saved all of the salary, it will take 10 years to have $1 million. Surely, it is not possible to save 100% of your salary. If you save 10% of the salary, it will take 100 years to have a million.

It ought to be clear that cutting back and tightening is not that helpful to attain your goal of having your first million. What you will need to do is have a method or means to have additional paycheck(s). You may want to consider a Plan B. What is Plan B, you ask.

Your Plan B will be a system that will generate additional cash flow (paychecks) to your regular income flow. How does one do that?

It will mean starting your own business —it’s a side project to your day job that could soon bring in major profits as you work for yourself. Be warned that everyone wants in on a get-rich-quick scheme, but few of them pan out. Be realistic and do not fall for these schemes.

In the 1996 book “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy,” the authors state that two-thirds of the millionaires are self-employed, with 75% of them entrepreneurs, and the remainder professionals, such as doctors and accountants.

Do not count on inheriting a pot of money or winning a lottery, entrepreneurs create most of the wealth in the country. Most millionaires in the making, 8 out of 10, earned or increased their assets on their own, a 2015 survey by Fidelity Investments found.

There are plenty ways you can start your business online without costing you large cash outlay. The most important thing you need to note is that you will need to devise a system that will generate a cash flow for you on a regular basis. Then your developed system can add or delete product(s) or service(s) to enhance income.

Now is the best time to start towards attaining your millions. Checkout information here.

Path To Financial Freedom


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