All posts by Prakash Kunjeer

About Prakash Kunjeer

Over 500 blogs. Online Entrepreneur and internet marketing. Real estate agent in Maryland.

Webinars Earn Money Online

There are numerous ways to market online to generate revenues.  Surprisingly, you may be able to earn substantially higher with webinars than many other methods.  Furthermore, presenting webinars helps you generate opt-in leads and maintain opt-in list current.

What Is Webinar?

A webinar is a free, usually live presentation that is delivered virtually online to your viewers from all over the world.  You can either create a slide presentation, or just show yourself live on camera teaching, or even be streaming yourself doing something hands-on live!

Webinars You Can Bank On!

When you do a webinar, you're providing tons of highly valuable information for free up front. Then you give your audience a way to take they information you've just shared to the next level (with more support or more detailed instruction) by purchasing your program, course, done-for-you service, coaching, etc.

Why do webinars work, you ask.

The webinar presentation, itself, is free. Most webinars have super relevant information for free. Webinars offer a paid product at the end thus producing revenue.  If you have aroused their interest, your viewers are able to purchase your product. If your viewers are taught well and delivered a pitch that made sense, they will buy your product live.  In addition, the webinars can also be replayed at regular intervals to gain more viewership as well more revenue.

Webinars You Can Bank On!

On the webinar, you present your best, super relevant information for free for about 45 minutes. You want to pack in as much valuable free information as you can! You need to blow your audience away in that short period of time so that they feel confident in you, your expertise, and want to work with you more or buy your product.

Webinars can be biggest factor in growing your business quickly! Webinars can be a shortcut to grow your email list quickly. Interestingly, emails collected from webinars have a higher rate of conversion.

In webinar viewers can hear excitement of the product or service! With joint webinars, you'll be able to create relationships with the influencers, bloggers, and other top people in your niche. With joint venture, you are not alone but part of a team of like minded experts and viewers who understand your business and can support you.

Webinars You Can Bank On!


Webinars make money by the offering a product at the end of the free webinar. The product that is being offered at the end of the webinar with special promotional price. Of course, not everyone will be purchasing. But you can follow up with those who didn't buy live and offer them a special limited time bonus.

Surely, if it is your own webinars you will get to keep all of the revenue. But with the team efforts, you will be given percentage of collection based on your number of invitees attending the webinar. With the joint venture webinars, the webinars are professionally prepared and most of the selling and delivering of product or service is done by the presenters.

Webinars You Can Bank On!

There are many proven webinars that yield results repeatedly. Simply because they provide valuable information at the onset. Then the presenter intensifies viewer’s desire to attain higher level of knowledge to, so they can enhance their life further. The proven webinars that you are able access are:

  • Think and Grow Rich
  • Women Entrepreneurs
  • Health and Wellness
  • Marketing, Startups and Business Opportunities

In summary, presenting successful webinars you will be a partner, not just an affiliate to share substantial revenue. Wouldn’t you want to bank on webinars?

Webinars You Can Bank On!

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Scams Against Seniors On The Rise

You can look forward to retirement days as you no longer the end of rat race is not too far. As lucrative as that may be, you need to be prepared to face scammers that are out there to take advantage of savings that you may have gathered.

Crimes against the elderly continue to skyrocket each year. Con artists are particularly fond of elderly widows. The scam is to find those who may be lonely or infirm, and slowly shower them with attention and small gifts to gain their confidence.

Ultimate Retirement Earning System

Sadly, seniors being scammed is very alarming. According to True Link research study (2015) seniors lose $36.48 billion each year to elder financial abuse.

Senior Scams You Need to Know About


Telemarketing scam can include phone calls, snail mail and emails. Scammers will send out official-looking emails or letters, then stage a follow-up call to victims, asking for updated information, such as a password or account numbers.
With that information in hand, scammers will either charge seniors’ bank accounts or attempt to assume their identities.

Senior citizens could also receive phone calls from people trying to use deceptive tactics to sell them product. A “salesperson” will use complex wording and hidden fees to charge seniors an extra $20 or so.

Fake Charities

Fake charities scam entails in Retirees getting a call from someone saying they represent a charity, asking for a donation. The caller is not really raising money for any charity.


In a Sweepstakes Scam Seniors are likely to get an official-looking check in the mail. An accompanying letter may tell them they won a contest. To claim the prize, the winner will need to send back a few hundred — or thousand — dollars for processing the prize. The check could even look like an IRS tax refund. They’ll ask the victim to send back a portion of the money and let them keep the rest.

Ultimate Retirement Earning System

The scam happens two weeks later, when the check bounces and the senior become liable for all the money.

Identity Theft

Identity theft scamming is extensive form of telemarketing scheme as it involves scammer calling and asking for the last four digits of a senior’s Social Security number.

The scammer can then can match that information up to the rest of what they know about their victims, like their name, address and phone number. Scammers then use the stolen identity to open new credit cards or loans and rack up debt — and the senior will end up footing the bill.

Health Care Fraud

Health care fraud involves scammers to explore medical issues of the senior and promise to send relevant medication or supplies if the seniors provide insurance information. The scammers will then use that info to assume the victim’s identity.

Ultimate Retirement Earning System

This is a special type of fraud known as medical identity theft. Patients can end up getting billed for prescriptions or services they didn’t use, making the senior liable for medical debts incurred by the scammer.

Scammers have targeted seniors for numerous rip offs surrounding the Affordable Care Act and Medicare enrollment. Since every U.S. citizen over the age of 65 qualifies for Medicare benefits, seniors are an easy target for medical scams, because criminals don’t have to do any research around their insurance provider. Many of these scams operate via door-to-door or over-the-phone solicitations by someone claiming to be a Medicare representative.

Fake anti-aging products

No one likes to get old. That even applies to seniors as they want to cling on as much as possible. They are vulnerable to products that claim to be the perfect solution to signs of aging or other unwanted physical changes.

Ultimate Retirement Earning System

Seniors often feel the need to look younger to keep up in social circles or to fill some other void in their life. This leads them to seek out new treatments, medications and other remedies — making them vulnerable to scammers who capitalize on this demand. The scam normally starts with anti-wrinkle cream ‘Free’ trial offer.

Financial Exploitation

Financial exploitation scam takes many forms- telemarketing, home repairs, investment, money making opportunities scams.

Scammers sometimes show up at seniors’ homes, offering to provide services and then overcharging them — whether the work was done or not.

Ultimate Retirement Earning System

Scammers also get seniors to sign up for long-term securities or stocks, anticipating the victims either won’t look at or understand the fine print. Seniors can get conned into buying securities or stocks that won’t mature for another 20 years. If the senior needs the money before the securities mature, they’ll pay penalty fees that end up in the scammers’ pockets.

The Grandparent scams

This is a slick scam in which scammers call senior citizens and impersonate their adult grandchildren to hit them up for money. Here’s how a typical conversation might go:
The phone rings and the senior pick up…
Scamster: (in a low tone) Grandma?
Senior: Is that you, Jimmy?
Scamster: Yes, it’s me and I’m in trouble. I’m in jail. I need you to wire money, so I can get out.

Ultimate Retirement Earning System

The typical take on this scam is anywhere between $3,000 and $4,000. There’s even a ‘reload’ on this one. If the scamster gets money, they’ll have another person call up impersonating a police officer and ask for additional funds for their grandchild to be released. They claim there are extra charges for property damage. Once the money is taken, you’ll never see it again.

Here are some actions that can be taken to avoid becoming a victim of a scammer.

Add Phone Numbers to the Do Not Call Registry

Register the senior’s phone number with the National Do Not Call Registry.
Sales calls should stop within 31 days of a number being registered, according to the Federal Trade Commission.

Ultimate Retirement Earning System

If they still receive sales calls while on the registry, hang up and submit a complaint to the FTC. It is to be noted that this registry is it only stops sales calls. It doesn’t put limits on charitable, political or survey calls.

Do Not Give Information

The best rule to follow is to never provide information in a phone call or email that was not initiated by you. It is essential to ensure the senior knows to never give personal information or money over the phone.  This includes sending checks or a “deposit” to companies to claim a prize or accept an offer to work from home.

Check the Better Business Bureau

Before the senior acts on any offers, payments, donations or investments, check the Better Business Bureau for information on the company. Be cautious of letters and calls that look like they’re from the Social Security Administration or the IRS.

Keep Mail Safe

If a senior pays their bills via mail, don’t leave it sitting in the mailbox.
Take the payment to the post office or a freestanding postal service mailbox instead of leaving it laying around where it could potentially be stolen.  Opt for online bill statements — it’s safer and more convenient than mailing in payments every month.

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If a senior continues to receive mail that’s clearly from scammers, take it to the post office and it’ll be sent to the U.S. Postal Inspector. You could also file a mail fraud complaint online.

Remain Cautious and Ask Questions

Ask any calling salesperson for their name, business address, phone number and business license number. Verify this information before conducting any business with them, as scammers will often provide fake names and license numbers.

Don’t blindly trust people — scammers can get outrageous, even claiming they’re a “law enforcement” official trying to solve a crime that involves you, and they ask for personal information.

Ultimate Retirement Earning System

Make sure seniors won’t agree to anything they don’t fully understand. Never respond to sweepstakes, prize or lottery letters and phone calls. These are all scams to get personal information.

Stay Safe Online

Only make purchases from websites known to be safe and legitimate. If the safety of the site is questionable, do some research to make sure it isn’t a scam.

Educate seniors on what spam emails look like — and be sure they don’t respond to them. Personal information should never be given out via email, especially account or credit card numbers.

What Happens If Your Loved One is Scammed?

What happens if they end up getting scammed and losing money? How do you report fraud against seniors?

Ultimate Retirement Earning System

The first thing to do is file a police report. You’ll need a copy of the report when the fraud is reported to credit companies.

Close any accounts affected by the scam. Call the banks, explain what happened and file a fraud report if any transactions were charged to the account.

File a complaint with the FTC. It helps with fraud investigations by collecting complaints and sharing them with local police forces, credit companies and other government agencies.

If the scam involved credit card charges, report the fraud to the three major credit bureaus. Contacting all three may seem like a hassle, but it’s the only way to know the fraudulent activity will be quickly reflected on the account.

Ultimate Retirement Earning System

Report any identity theft to the FTC’s Identity Theft website — this includes new accounts being opened in the senior’s name, charges to current accounts or even false medical services. The FTC offers comprehensive steps to take depending on how the victim was affected.

Be Aware

Most people are raised to be polite and trusting. The con artist exploits these traits, knowing that it is difficult or impossible for these individuals to say “no” or just hang up the telephone,” it continues. It is essential that the seniors are made aware of the abundance of scams out there and educate them on ways to protect themselves and their finances.

Ultimate Retirement Earning System

Five Categories For diabetes, Not Just Type 1 and Type 2

The diabetes was classified into two types- Type I and Type II. Not really!

According to a research published in The Lancet Diabetes & Endocrinology, a leading medical journal, there are five distinct types of diabetes that can occur in adulthood.
Currently, the disease is divided into two sub-types.

  • With Type 1 — generally diagnosed in childhood and accounting for about 10 percent of cases — the body simply doesn't make insulin, a hormone that helps regulate blood sugar levels.
  • For Type 2, the body makes some insulin but not enough, which means glucose stays in the blood.

Diabetes No More

But now, a team of scientists in Sweden and Finland have identified five clusters of patients with diabetes. According to the researchers, each comes with significantly different characteristics and risk of complications.

Six different measurements were used across four separate studies: age at diagnosis, body mass index (BMI), long-term glycemic (blood sugar) control, the function of insulin-producing cells in the pancreas, insulin resistance, and the presence of specific auto-antibodies linked to autoimmune diabetes.

Instead of splitting diabetes simply into type 1 and type 2, the researchers came up with five different disease profiles – one autoimmune type of diabetes and four other distinct subtypes.  All five types were found to be genetically distinct, with no shared mutations.

Diabetes No More

According to researchers, this is enough to suggest that there are five distinct diseases that all affect the same body system, rather than the same disease at different stages of progression.


A recent blockbuster research study revealed a more precise breakdown of the types of diabetes, suggesting that instead of the recognized Types 1 and 2, there are five subsets of the disease.  The new finding is likely to help doctors target treatments that are more personalized.

Diabetes No More

The Scandinavian researchers found that their diabetic subjects fell into five distinct clusters:

  • Cluster 1. Severe autoimmune diabetes. This group is like the classic Type 1.
  • Cluster 2. Severe insulin-deficient diabetes. Like Cluster 1 but the immune system wasn't the cause of their insulin deficiently. This group has the highest risk of retinopathy, a complication of diabetes that can cause vision loss.
  • Cluster 3. Severe insulin-resistant diabetes. This occurs when people are overweight and highly insulin resistant which means that their bodies produce insulin, but their cells don't respond to it. This group has the highest risk of kidney disease.
  • Cluster 4. Mild obesity-related diabetes. People have a milder form of the disease without as many metabolic problems and they tend to be obese.
  • Cluster 5. Mild age-related diabetes. This form is like cluster 4 but people are older when they are diagnosed. This cluster is the most common form, affecting about 40 percent of the people in the study.

Many doctors treat their patients as individuals as they tailor treatment to the patient, establishing who needs oral medications and who needs insulin. They also prescribe diet and exercise for all. A big part of my task is to figure out what is keeping someone from succeeding at gaining control of their blood sugar.

Diabetes No More

The researchers do note some limitations though: there's no evidence yet that these five types of diabetes have different causes, and the sample only included Scandinavian patients, so a wider study is going to be required to investigate this further.

Millions more are thought to have pre-diabetes, or blood sugar levels that are above the normal range but not yet high enough to be classified as diabetic.
Common warning signs include:

  • feeling very thirsty
  • peeing more regularly, especially at night
  • feeling really tired
  • weight loss and loss of muscle bulk
  • itching around the penis or vagina, frequent bouts of thrush
  • cuts or wounds than take ages to heal
  • blurry vision

Diabetes No More

Type 1 diabetes, which is a serious lifelong condition that typically requires insulin injections or pump, can develop quickly over a matter of weeks, even days.
In contrast, people can live with type 2 diabetes for years without realizing it, but the condition can be reversed by adopting a healthier lifestyle and losing weight.

Retire Early To Earn More Live Longer

Did you know that by retiring early, you could lengthen your life?

That is the essence of various research in recent years. The recent Dutch study echoes those from other countries. An analysis in the United States found about seven years of retirement can be as good for health as reducing the chance of getting a serious disease (like diabetes or heart conditions) by 20 percent. Positive health effects of retirement have also been found by studies using data from Israel, England, Germany and other European countries.

It is possible that retirement promotes health and prolongs life. But continuing work provides income and health insurance for most people. These are essential for maintenance of well-being. It also provides purpose and camaraderie.

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According to a recent national survey by the Board of Governors of the Federal Reserve System, many Americans don’t have the resources to retire. About 20 percent of Americans over 44 years old have no retirement savings. Half of Americans are at risk of being unable to maintain their standard of living in retirement. If you want to retire, whether for health benefits or otherwise, you’ll have to start preparing when you’re still young.

It is possible to find various ways of earning from home in the early retirement years. As a retiree if you need a little extra money or just like to keep busy, there are great opportunities you can pursue without commuting from home.

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Customer Service Representative

You will require to answer customer questions, troubleshoot problems, and take and track orders. In most cases, you may be communicating over the phone, via online chat or emails.
Where to look: Working Solutions, LiveOps, Arise


As education is faltering, your knowledge can be shared with students of all ages. You may compose lessons, grade tests and papers, or help review material in preparation for a standardized test, like the SATs. No skills are required but teacher certification will be a plus.
Where to look:, Kaplan, Pearson Education

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You will be required to proofread and/or write articles for online publications. This is a huge field to with a wide range of opportunities. If you have technical or computer skill you are likely to be in demand with higher earning potential.
Where to look: FlexJobs,, Morning Coffee Newsletter


For many translation services is necessary as English may not be their mother tongue. You will require to translate documents and provide interpretation over the phone or by video. It is necessary to have command of additional language(s).
Where to look: VerbalizeIt, Ubiqus, Telelanguage, SDL, American Translators Association

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Website Analyst

You will review and critique websites to give companies a true understanding of how the average person interacts with their sites, you don’t need to be a tech pro or a layout guru; you just need to be able to articulate your thoughts and feelings in real time.
Where to look: Leapforce

Online Juror

You will serve as a mock juror for attorneys who want to see how their cases will fare if taken to trial. You’ll listen to testimony, weigh evidence and render your verdict just like a juror in a real court case.
Where to look: JuryTest, eJury, OnlineVerdict, Resolution Research

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Virtual Assistant

You will be doing a traditional administrative assistant might do: composing correspondence, calendar management, making travel arrangements, data entry.
Where to look: Freelancer, Fiverr

Affiliate Marketer

You don’t even have to have your products and yet you can sell and earn money. Even Amazon pays you for promoting their products. You will need to be affiliate that pays you high commissions. Your strength will be specializing in marketing.
Where to look: Amazon, Clickbank, Walmart,

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(Beware: As with anything you find online, some opportunities are better than others. There are plenty of work-from-home scams out there, so keep an eye.)

Trump Asserts “Americans Are Dreamers Too!”

It has been a year the roaring Trump moves on despite barrage of attacks from liberals, media elites, elected politicians and self-proclaimed leaders. Many of those folks have gone on the record that he will never be the President of the United States.

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While many concentrate on hating him for “This is not who we are”. I venture to say, he is symbol of America- America the winner; America the dreamer; America the pinnacle of success; America the Strength…the list goes on. It is true that America has been great because of strength derived from the people. These people always had the interest of the America at heart, not the interest of the places where they came from.

That is the irony. Trump has reckoned that America needs to become “Great Again”. Most agree with him. It is not about Making America White Again. But Making America Great. No one can make America Great Again by concentrating efforts on “Dreamers” from outside the country and totally ignoring “Dreamers” within the homeland. That is where Donald Trump shames liberals when he proclaimed during the State of the Union speech, that “Americans are dreamers too!”

Opponents and media pundits wasted no time continuing their nonstop attacks on President Trump after his recent State of the Union address. They insist Donald Trump is the worst president in American history. Despite claim that he has low approval ratings, he continues to retain the support of millions of Americans.

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Simply put, American people are known to turn to the leader who will put America on the right path at the time of election. Sometimes it turns out that they have had better sense than most pundits who stated otherwise.

Trump feels the pulse American people. Americans are hard-working people with not necessarily big paychecks. They worry about factories and other businesses leaving the U.S. to take advantage of cheap labor abroad, and see products made in foreign lands flooding our country. American are concerned that over 40 million illegals and their 20 million native-born adult children competing with them for jobs. Ironically, politicians- Democrats and Republicans- totally ignored the concerns of the American people. Donald Trump recognized the concerns of the American people. He wants to be the Champion of Americans while most politicians want to be Champion of those who are NOT Americans!

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Trump Recognizes Immigration Control Is Necessary. Most Americans recognize that looking out for America by controlling immigration is NOT racist. America could not possibly grow or compete by allowing low-skilled immigration at the expense of high-skilled immigration. While most liberals see him racists, Americans see him as a savior- saving America from Illegals’ unwelcome invasion.

Trump has the courage of his convictions. He doesn’t bow to political correctness and conventional wisdom and stands up for America. He is ferociously bold to criticize anyone who opposes his vision to Make America Great Again – Democrats, Republicans and the media.

Trump speaks directly to the American people. Through his use of Twitter and candid and colorful comments to the media, President Trump speaks directly to the people. Totally criticized by his detractors, Americans like the fact that President speaks to them directly though they may not always agree with him.

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Trump, like Most Americans, is Proud To Be American. Over the last few years, Americans have been told over and over “This is not who we are”? Yes, America has evolved and corrected its ways over two hundred years, but Americans need not “apologize” for its past. America has evolved to be better. Trump, like most Americans, believes that America’s pride is derived from its strength not succumbing to the wishes of other countries. Trump is rebuilding America’s strength. He is aggressively pursuing terrorists.

It is very possible that America may not love Donald Trump. But Americans know that when he speaks of America, it is always “WE”. For last eight years, the America was around one person and referred to as “ME”! Trumps message is simple- America First. His goal is simple- America First. Whether Trump is in the country or outside, his focus is America First. He may be “This is not who we are” as liberals and media like to say. But he knows, just like most Americans, they are Americans First.

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Most politicians and media folks have forgotten over the years- Yes indeed, Americans are dreamers too. But Donald Trump did not!

Women Are Difficult To Live With, Really!

Many men depend on women for most of their lives, but study claims that women are the most difficult family members. Though women may resort to whining, nagging and controlling in relationships, according to the study, it's for a good reason.

Researchers at the University of California, Berkeley and Bar-Ilan University in Israel have discovered an inconvenient truth about our female family members. According to survey of 1,100 respondents who described more than 12,000 relationships, Wives, sisters and mothers are more likely to be the most difficult people in our lives.

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The study included people ranging from their early 20's to 70's who live in the San Francisco Bay Area. More than half of the respondents were female.  In general, the study found that, on average, we consider about 15% of our relationships as difficult or annoying.

Female family members may be disproportionately considered difficult because they're more socially invested in relationships.

In time, men have lost their masculinity, because they are always seeking approval from women folks in their lives. Being masculine doesn’t mean man has to be inconsiderate. But you need not be “pleaser”. Be on alert, if you are not “pleaser” man, you may be labeled as being a jerk. Being yourself (whether man or woman) is all about being you, finding your voice and being yourself.

Capture Partner's Heart

Simply put, as a man, you can’t ask for permission to be the man you want to be. At the same time, you must continue to honor and cherish women who are in your lives. It is not about controlling anyone, but it is about not being controlled by anyone.

The study was conducted with both men and women in the San Francisco Bay Area — Nancy Pelosi country. The UC-Berkeley has confirmed that leftist women are making everyone miserable.

Capture Partner's Heart

Of course, the study may not have been necessary as most men know that but dare acknowledge it.

Is Marriage Or Love Forever?

It is often said that courtship period is “falling in love” stage as marriage is “falling out of love” stage. There may be truth to that. Perhaps, love maybe forever, but life comes in the way.

That is just it. The days of courtship the emphasis is on each other. You long for each other. You want each other. But once you get married, often, it becomes a life. That is where love takes backseat as you focus on “life” together. Yes indeed, you may repeat “I love you” but over the time that is just routine or necessary ritual that you have got accustomed to.

How To Keep Love Alive?

Prior to marriage there is an anticipation that marriage ensures blissful butterflies and rainbows. Surely, that is an exaggeration, but you are likely to embark the brutal reality that life after marriage to be as hard as it really is. There may be many reasons why that might happen. But major contributing factor is that marriage is being part of a team and you must learn to work together. In nutshell, love is being together whereas marriage is working together. Who really likes work?

The current contract – ‘until death’ – might have worked when people didn’t live all that long; or when many women died in childbirth, freeing men to marry multiple times (which they did); and when men of means needed women to cook, clean and take care, and women needed men for financial security. Many long-term marriages are loveless and sexless, and sometimes full of anger and resentments. But if they make it until a spouse dies – success!

How To Keep Love Alive?

So, what will work, you ask.

Perhaps the concept of temporary marriage may be the way to go. American paleontologist E D Cope wrote in his book, The Marriage Problem (1888), that marriages should start with a five-year contract that either spouse could end or renew with a further 10- or 15-year contract and, if all still went well after that, a permanent contract.

In recent time the concept of “beta marriage” is floating around. In such a type of marriage, couples would commit to each other for a certain number of years after which they could renew or just walk out. Reportedly, 10 per cent of first marriages don’t even make it past five years, marriage contract with renewable clause maybe the way to go. Some say, it may be better than current divorce system.

How To Keep Love Alive?

The essence of being together is love and that is what gets lost in the marriage system as the “being together” is guaranteed. That is when the “falling” out of love stage sets in. It happens over the course of painful trials and tribulations. It happens as lies, disappointments, failures emerge in “marriage” life. In time, couples lose communication and intimacy only to discover that they are strangers leaving together.

Ironic as it may be, in marriage you may have signed up for working through anything. However, what you didn't sign up for was working through anything without love.
Love needs to be powerful element in a relationship. You choose to love your partner. Since you chose to love, you chose to stay. True indeed that marriage is not easy. Giving yourself to someone is not easy. But when there is love for one another, life (marriage) is series of happenings.

How To Keep Love Alive?

Do You Want Credit Card Not Based On Credit Score?

Credit Card industry is going through changes. Those who have good credit have no problem getting cards. But what about those who have a poor credit history or just getting started?

Credit Card Pays You To Refer

There is help for them as there is credit card services are emerging. These services will identify candidates that would-be credit card holders even if they do not have good credit history. The acceptance is determined by the applicant’s actions rather than just their credit score.

Credit Card Pays You To Refer

The innovative but realistic approach of qualifying applicant based on the digital record it builds for its users. Rather than just looking at borrowing history, it looks at how much that user makes, spends or saves each month, and looks to offer them more differentiated products like lower interest rates on introductory products. The main goal here is to get people who should be able to responsibly manage a credit card based on their spending history.

Credit Card Pays You To Refer

It is heartening to note that finally credit card industry is taking steps in identifying potential customers without a credit history. It reflects that the credit score might not be the best indicator. The new approach is designed to identify potential applicants with their technology and thus eventually build up their big user base.

Credit Card Pays You To Refer

How To Spend Smarter?

Would you like to have money?

The obvious answer is YES. The real solution is to make more money than you spend. Interestingly, no matter how much you make, you will find ways to spend. That is where the problem is- you need to spend smarter.

It is best to address money issues quicker. Money is the number one cause of stress in the United States. Not surprisingly, money is the top reason for divorce. But money issues can be resolved, because most people make dumb money mistakes.

Dan Ariely, a professor of behavioral economics at Duke University, has a new book out that explains some of the problems we’re prone to when it comes to moolah and what we can do about them. The book is Dollars and Sense: How We Misthink Money and How to Spend Smarter. Few highlights are listed here.

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On Sale Signs Are The Devil

Simply do not pay attentions to “On Sale” signs. Most stores (online stores included) have high-markup price for each merchandise to begin with; so, when the merchandise is marked down, you are not necessarily getting a bargain. The marketing strategy of “on sale” is designed to simply dumb down your decision-making process. When an item is “on sale,” you are likely to act more quickly. Beware of comparisons with bonuses and specials.
So, focus ought to be on what the thing costs not how big a discount you are getting.

Extra Money Is Not Bonus

It is very common for you to get extra money by doing overtime at your work, getting bonus at work, or from winnings from casino, etc. You are likely to spend that money on unwanted stuff because that money is different. NO WAY, money is money.

People are likely to spend something like their salary on “responsible” things like paying bills, because it feels like “serious money.” On the other hand, money that feels fun—like $300 million in casino winnings—is likely to be spent on fun things, like more gambling.
Surprisingly, many people treat a tax refund as a “bonus” that they can have fun with. In reality, tax is not a “bonus” money, but it was your money to begin with. The government had taken an interest-free loan from you when you got your paycheck.

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This attitude is termed as “emotional accounting.” Rationally, a dollar is a dollar. But as rationality-challenged humans, we feel the source of the money affects how we should use it. Really?

Paying Cash Curtails Spending

Paying cash really hurts because it creates true awareness of spending within your thinking process. Believe it or not, marketing folks have figured out to reduce your pain, by letting you use credit cards. Through studies, marketing folks know that people are not only more willing to pay when they use credit cards, but they make larger purchases, leave larger tips, are more likely to underestimate or forget how much they spent, and make spending decisions more quickly.

All in all, your purchasing is made painless process. The credit cards, gift cards, casino chips and nearly all online shopping is a financial opiate and dramatically reduces the pain that keeps your bank account flush.

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So whenever possible, use cash. You may feel the pain, but you will not be stressed later.

Here’s the easy way to save money as stated in the book:

  • “On Sale” signs are the devil: “Relative comparisons” mess with your head. Focus on the end price, not how good a “deal” it is.
  • It’s not a “bonus.” Money is money: How you got the cash should not affect how you spend it. Saying that “bonus” money doesn’t count feels good but being broke feels very bad.
  • Use cash more often: Make spending painful and you’ll spend less. (Using cash is simpler than having a friend punch you in the face whenever you whip out your credit card.)
  • “Fair” is a four-letter word: Focus on value. The plight of moral justice in the economic universe can wait until after the electrician gets your lights back on.
  • Try a “Ulysses Contract”: Send me the deed to your house. If you don’t have more money in your savings account two months from now, I keep the deed. See? Saving is easy.
  • Drop Anchor: The only way to not be influenced by prices is to influence yourself ahead of time with other prices.

Become WiFi Millionaire

You are limited when it comes to earning more money, but surely you are bombarded with many ways to not only spend what you earn now, but against your future earnings by means of debt to the credit card companies. Learn to monitor your money today, so you will not be ruined by the credit card companies.