Category Archives: Business

ClickBank University Review- How To Make Money Online?


Making money online is not easy but it is not as difficult if you were to start offline business.  The biggest problem with making online has been not a central place to learn about systematic ways to conduct the business.  To accomplish this objective, ClickBank University (CBU) is a needed training source.  After all, ClickBank is a leading source for being affiliates for digital products.

ClickBank University 2.0 is an upgraded edition of a series of online course which aim at helping both vendors and affiliate marketers to utilize ClickBank and make money online.  The focus of ClickBank University is to teach people how to create their own digital products.  The knowledge you gain from the CBU will also enable you to market other products.

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CBU 2.0 has two main parts to their training- 8-week course to teach to how to promote other people's product on ClickBank as an affiliate; and 12-week course to teach how to develop and promote your own product on ClickBank.

The training here is quite extensive and informative. They cover a wide range of topics that include:

  • Brainstorming and researching on what niche to go into and what product to create
  • How to create a customer avatar
  • How to create a digital product
  • How to create a landing page/squeeze page
  • How to create a sales funnel
  • How to drive traffic to your landing page
  • How to get affiliates to promote your product
  • How to scale up your ClickBank business, etc…
  • Apart from the 2 core training modules covered above, there is still even more to CBU.

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The value doesn't end with the above training. 

Bi-Weekly Expert Classes – Once every 2 weeks an expert will come in and show you that the training does work. These experts have applied what they learned and our now experiencing success.

Special Curated Add-On Trainings – These trainings are very targeted and help you focus on a specific aspect of the training to truly master it. Topics covered will be video marketing or how to leverage the power of Facebook advertising, etc.

ClickBank Toolkit – This really comprises a bunch of handy tools to help you run your ClickBank business effectively – whether you're a publisher or affiliate – with things like PDFs, videos, starter guides, shortcuts and tech providers.

The Traffic Center – This is all about learning how to generate massive amounts of traffic, clicks and sales. Without traffic you have no business, because you have no visitors to your product or promotion. Traffic is everything in this game, so ClickBank's Traffic Center is an invaluable resource.

Live Events – Special events and seminars, nominal fee charged, as additional great sources of knowledge.

Exclusive ClickBank Community – Being able to freely interact with a community of like-minded people is one of the most valuable business assets you could ever have. As a CBU member you gain access to this exclusive community, where you can inspire and help each other on the path to success. You also get access to the ClickBank University 2.0 private Facebook group.

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CBU also offers special service ClickBank Builder 2.0 (CBB) to help you to create professional websites, landing pages and offer pages.  It is a ‘drag-and-drop' tool with various templates to help you craft beautiful pages. Though this is optional, it may be good idea to get if you are new in the online business.  It will give you platform to start earning immediately.

Advantages of CBU

  • Created by ClickBank for ClickBank
  • ClickBank is a reputable platform for online marketers. There are thousands of people making full time or even six, seven figure incomes from it.  The program originators, Adam and Justin have been very successful with ClickBank and thus they are working directly with CB to deliver this CBU. They really know what they are talking about.
  • Money-Back Guarantee- This is another great point for CBU. Although they don't offer a free trial, you can still get a refund within 30 days if you find this program is not for you.

Disadvantages of CBU

  • ClickBank Builder 2.0 For Only CB Products
  • CBB is good to have if you are a beginner but It's expensive compared to other similar tools in the market
  • You must host your website at ClickBank
  • The training also focuses on using this tool
  • Not upfront about requiring this tool
  • Training is Locked- You're not allowed to go through all the training videos once you join. They only allow, you to watch few and they'll unlock each one for you after some time.  However, you can email them to unlock.

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Summary: ClickBank University 2.0 has a solid course with useful tools to help people create their own digital products, market it on ClickBank and make money. They also have a set of course to guide people in affiliate marketing.

How To Make Money With Webinars?


Webinars can be awesome because sales of product are lot easier. Furthermore, you do not have to have your own product.

The combination of webinar with the affiliate product of your choice is all you need.

There is no secret to using webinars to promote any affiliate product. It works very similar to how you would use a blog post to promote a product. The only difference is for a blog you have viewers to your blog site whereas you have get audience attracted to your webinars.

Webinars Partnership You Can Bank On!

Here are the steps to hold webinars:

  • Identify a product you would like to promote to your audience as an affiliate.
  • Create a presentation related to that product. The presentation should be helpful and useful.
  • Set up a landing page to invite people onto your webinar.
  • Drive traffic to the webinar.
  • Deliver the webinar. Record it as you do it.
  • Edit your recorded webinar professionally. Make newly recorded webinar available to drive additional sales even after the live event is over. You could generate extra profit by replaying the webinar on autopilot.

Webinars Partnership You Can Bank On!

What you have done is that you have converted your webinar as your product through which you promote your affiliate product. In addition, as you promote your webinars, you are building list and your traffic. If you can put few of webinars together, you will have money generating system put together.

It gets even better, because now you will be able to promote many proven professional webinars. You can partner with the various professional presenters. The proven webinars that you are able access are:

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

You can check out professional webinar presentation opportunity here.

Webinars Partnership You Can Bank On!

Secret to Great Opportunities Is From People You Haven’t Met Yet

Have you checked out your social circle? Surely, you are likely to say you have huge network. But when you check out that is a narrow social circle with similar people. Your circle is likely to be of same ethnicity, similar likes and dislikes, etc.. In all probability, they resemble you in some manner.

Tanya Menon, Organizational psychologist, questions about people’s circles and encourages them to widen their social universes at her TED talk. Tanya Menon considers how you can be more intentional about expanding your social universes — and how it can lead to new ideas and opportunities.

You Can Be Part of Top Four Percent

If you think about it, check back and see special moments in your life (other than special family events), you will realize that those came from people you met for the first time or places where you have never been to. Those were your new connections.

Tanya Menon states that these weak ties — or new connections — are “your ticket to a whole new social world”. She encourages people to break their social habits by making life a little more inefficient and straying from their daily routines. She suggests visiting new social hubs including coffee shops.

You Can Be Part of Top Four Percent

Have you wondered how did you get your job? Most likely you found the job through weak ties- from people you just met recently. According to sociologist Mark Granovetter, most people don’t secure job opportunities through strong ties — think mother, father, significant other.

It is interesting phenomenon in today’s changing world. As more people seek to be on their own rather than depend on a company for their livelihood, networking is essential. It entails on reaching out to the people who may not be in your “circle”. To network effectively, you will need to affirm yourself with positive statements regularly. That can only happen if you have confidence in yourself about who you are. You will be surprised how positive you can be when you liberate from conventional way. You will realize your uniqueness as you reach out.

You Can Be Part of Top Four Percent

Simply put, you are already aware of the universe within, reach out to the universe beyond.

Vital Credit Card Review- Earn Endless Cash Rewards


You know that many credit cards offer great perks such as reward points, discounts and/or cash.

So, what is different about recently launched Vital Card you ask?

The newly launched Vital card is expected impact the credit industry in a major way. The Vital credit card, Visa backed, earns you cash back. But the cash back is for getting other members to sign up.

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Vital Card, based in New York City, is a new concept envisioned by Chris Bridges, Chairman, and Vincent Bradley, CEO. The team members of the company have worked with Google, Charles Schwab, and other major companies. The mission of the company is to offer a credit card with a community-based rewards system.

How Does VITAL Credit Card Work?

VITAL is a credit card that offers referral-based cash rewards. For each person you get to sign up, you’ll earn VITAL points that determine your VITAL score. It gets even better because you will also get cash rewards when your referrals get additional users to sign up. Furthermore, you’ll get 1% cash back on all your purchases.

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There is no cost to sign up for the card. When you sign up, you will get access to the VITAL potential earnings calculator.

Eligibility Requirements

The VITAL card requirements are:

  • You must be 18 years of age or older. Residents of Nebraska and Alabama must be 19 or older.
  • You must be a permanent resident of the United States.
  • You must have a physical address in the US.
  • You must pass a credit check.

The Vital card has few additional undisclosed qualifications to meet underwriting criteria. It is to be noted that signing up for early access is just the first step. You’ll need to fill out a full application during the late 2018 launch. In the meantime, you can start referring others and building your VITAL score.

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Some may wonder what happens if you are denied the Vital card. Believe it or there is clarification provided by the company. Even though every single application is not approved, if you are eligible for most entry level credit cards, you are very likely to be approved. In the event you are not accepted, VITAL Card will let you transfer your VITAL Score to someone else with good credit. You can choose any friend or family member for this.

Once you get your own Vita card, you need to spend a minimum of $250 each month to be eligible to get cash rewards from your referrals. This can be achieved easily by using VITAL card for your basic monthly purchases – groceries, fuel, and so on. Then you need to pay it off each month to keep your credit in good shape.

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How Will You Get Paid?

The money that is paid out comes from the VITAL cash rewards pool. Each month, 1% of user spending is added into the VITAL cash rewards pool. Your payment is dependent on your Vital score. Your VITAL score based on the number of VITAL points you earn. You earn points by referring friends and family to sign up for VITAL. Here’s a layout of the points system. I’ve used a small scenario to make it easier to understand.

  • Direct Sign-Ups: You earn 4 points per person you get to sign up.
  • Second Tier Sign-Ups: You earn 2 points per person when your direct referrals get others to sign up.
  • Third Tier Sign-Ups: You earn 1 point per person when your indirect referrals get others to sign up.

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To sum it up, your points are based on a basic three tier referral system. There’s no limit to the number of friends and family you can refer. This essentially means you have endless chances to keep growing your VITAL score. Simply put, the higher your score, the higher your monthly cash rewards will be.

There is no definite number that can be predicted how much any one can earn. VITAL adds up the total scores of every user at the end of each month. How much cash you’ll receive depends on two factors. It depends on your individual VITAL score and the overall size of the cash rewards pool.

However, Vital card provide a very detailed scenario. You can also access a VITAL potential earnings calculator once you sign up. It is recommended that you try out the calculator before you sign up.

Tax-FREE Earnings

The earnings to you will be distributed from out of the rebate pool, thus it is likely that your earnings may be tax-free.  Check out the company statement.  It is also recommended that you consult your accountant or tax representative.

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In short, major points are divided into pros and cons list to keep things simple:

Pros

  • There’s no annual fee.
  • You’ll earn 1% cash back on all of your purchases.
  • The referral-based system is unlimited; you can refer and earn permanently.
  • Earn cash rewards when your referrals get new users to sign up.
  • You can build your credit score with responsible use.
  • Your referrals only must spend $1 per month for you to keep earning.

Cons

  • To keep earning rewards, you need to spend $250 per month or more.
  • It’s possible that your application will be denied after prelaunch.
  • The amount of cash you earn each month will fluctuate.

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Verdict: Is the VITAL Credit Card Worth It?

If you use the VITAL credit card responsibly, Vital card offers a great opportunity. You earn cash back on purchases and cash back for referrals. That means there’s a lot of potential to make extra money with very little effort.

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Payza Shutdown- Problem For Online Business


Online business may be easy and simple, but when it comes to get your earnings may not be as guaranteed. Simply because most online business entities depend on payment processors. It is imperative that you need to find out how (and if) you will get paid. Firstly, you need to check the business opportunity by checking out reviews of the business and its owners and then check out how they will pay you.

Get Credit Card Pays You

Most online business opportunities rely on third-party payment processors to accept money as well as pay commissions. There are main players when it comes to processing credit and debit card payments, whether online, via phone sales, or even in person.

  • Online Business Entity: To accept credit and debit card payments from online customers on the processor. Once the payment is processed, the third-party processor deposits the money in the business entity’s account after transaction fees are taken out.
  • Customer: Customer pays for your goods and services via a credit or debit card. The bank that approves the customer for the card is called the issuing bank.
  • Payment Gateway- Software that links online business entity site’s shopping cart to the processing network.
  • Payment Processor- the main merchant service responsible for moving the transaction through the processing network, sending a billing statement, working with associated banks, etc.

The payment process is performed very quickly, and it may seem easier. Believe it or not, it is very intricate process. There are two stages to payment processing: the authorization (approving the sale) and the settlement (getting the money in your account).

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The authorization process goes roughly like this:

  • Your customer buys an item on your site with a credit or debit card.
  • That information goes through the payment gateway, which encrypts the data to keep it private, and sends it to the payment processor.
  • The payment processor sends a request to the customer’s issuing bank asking for the money to pay for your stuff
  • The issuer responds with a yes (an approval) or a no (a denial).
  • The payment processor sends the answer back to you that the sale was approved and tells your merchant bank to credit your account.

The most common payment processors are- PayPal, Payza, SolidTrustPay, Payoneer, or Stripe, or 2Checkout, or Google Wallet, or ClickBank. These processors charge for all transactions whether accepting payment or withdrawing payments. Often that is overlooked by most online business folks. The transaction fees can be much higher than what banks charge. This expense can’t be ignored when you are getting commissions on your online business programs.

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Recently it was announced that Payza, payment processor, is no longer available to USA residents. The US Department of Justice (DOJ) has charged Payza.com with laundering over $250 million connected to criminal ??activities ranging from Ponzi schemes to child pornography?

The charges against Payza co-founders Firoz Patel, 43, and Ferhan Patel, 37, were already filed in November 2016. The Canadian brothers stand accused of operating the cryptocurrency-friendly platform beyond the ??regulatory confines of the United States. ?
They are still in operation in other countries. However, major countries are likely follow the United States.

Without going into details, it is fair to say that Payza is in legal battle. The Payza stance is, “We are currently working on resolving this legal matter in the United States, affecting US Payza members, but cannot give any specific details at this time.  Please be aware that this is an accusation and it is NOT evidence of guilt. Right now, we are working on a solution to this and we do not want you to worry.”

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What is bottom line, you ask?

No one knows for sure. It is very possible that Payza may resolve their issues return to normal.

Be that as it may, however, your most prudent course of action at this point would be to go to the members area of all programs, products and services of which you are a member and update your subscription payment information AND your commission payment information.  Simply change to a NEW payment processor.

It is to be noted that processors having some issues with the government. Online business is practically free for all thus it relies on individual owners to pursue ethical aspects in their business. So, some use online business activities for money laundering around the world. In 2016, PayPal experienced crisis which resulted several business opportunities were forced out of business. It is believed that processors like when they are scrutinized by the government, because the charges are normally associated with business opportunity owners. Thus, processor entity gets to keep the money.

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Considering Payza crisis, be sure to work with multiple payment processors if you are the business owner. If you are an affiliate, be sure to check what processors are being used to get your commissions. There are many online opportunities related to crypto currencies promising high returns, so you may want to pursue with extreme caution.

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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!

HOW DO WEBINARS MAKE MONEY?

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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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.

>>> Ultimate Retirement Earning System <<<

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.

>>> Ultimate Retirement Earning System <<<

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

Tutor

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: Tutor.com, Kaplan, Pearson Education

>>> Ultimate Retirement Earning System <<<

Writer/Editor

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, FreelanceWriting.com, Morning Coffee Newsletter

Translator

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

>>> Ultimate Retirement Earning System <<<

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

>>> Ultimate Retirement Earning System <<<

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,

>>> Ultimate Retirement Earning System <<<

(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.

Become WiFi Millionaire

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.

Become WiFi Millionaire

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

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