In 2003, almost one and a third percent of US househoulds (about 1,650,000) filed for bankruptcy, indicating that bankruptcy may not have quite the stigma attached to it as in other parts of the world.Somehow, the USA, with a population of about 294 million, managed to have over a billion credit cards in issue. That's over 4 cards for every man women and child. About 20,000 different cards are on offer from suppliers.Those credit cards, together...more
There is a lot to know about investing. It all depends on what type of investing you are interested in as well. There are many different types of investment options out there. So what is investing, specifically? When you invest, you are paying in a certain amount of money that you expect to grow with time. Most investments are considered long term investments meaning you will not get your money back right away but if you leave your money in, it...more
Many roulette systems have been tried out over the years, most failing miserably - a classic example would be the 'Martingale' system, which expects you to continue 'doubling up' on losing bets with the only certainty being that at some point it will clean you out.The 'Supabets' (TM) method though, relies on 2 things for its success. First, the existance of online casinos, where there are no pit staff to notice what you are doing and throw you out, and second, the fact that the standard roulette table has an inbuilt flaw that is easy to exploit.Groundwork - aside from the 0 or 00, each roulette number is either black or red, and if you bet on black or red, you win evens. The house edge in this case is the gree 0 or 00. So far so good. The roulette table, however, is split into 3 columns, each of which holds 12 numbers (i.e. a third of all numbers, ignoring the 0 and 00).Now this is where it gets interesting - the first column has 6 red and 6 black numbers, while the second column has only 4 red and 8 black. The third column, of course, has 4 black and 8 red numbers. You can probably already see where this is going, can't you! If we ignore the zeros, then red and black have a...more
The Moving Average Convergence Divergence charts, or MACD charts for short, are a technical indicator that is derived from the more simple moving average. The MACD charts are oscillating indicators, meaning that they move above and below a centerline or zero point. As with other oscillating and momentum indicators, a very high value indicates that...more
Haggling was a way of life for Mr. B. I knew Mr. B because his son was one of my friends. His haggling greatly embarrassed my friend, but it didn't bother Mr. B. He was saving money. Mr. B was a wonder. His distaste for paying retail was so ingrained he would bargain at the local fast food restaurant. Not attached to this man by blood, I felt no...more
The New Year often brings with it a desire to right the wrongs in your life. From this desire springs the tradition of New Year resolutions. You should take advantage of this to change your financial situation. There is a good chance by the time many of you read this, you will have already made and BROKEN your financial resolutions. Those of you who have not already done so, know they are hard to keep. You can change that. Anytime is a good time to make financial resolutions. Since you are thinking about this, you must suspect a problem. The first step is defining the problem. Define it specifically. "I spend too much money", is not good enough. You spend too much money on what? Why do you spend too much money? It is not often you are speaking of life's necessities here. You need to specifically target your problem areas. The best way to identify problem areas in your spending, is to pull out your check registers and credit card statements for the past twelve months. Write down all checks and charges for items other than necessities. This spending will be your gold to mine. After making this list, add up the total amount of these expenses. This will be a very revealing exercise....more
If the U.S. economy had to be summed up in one word, the word would be unsustainable. From entitlement programs to trade deficits, the U.S. economy cannot continue indefinitely on its current course. Sadly, changing course is difficult and...more
Are you afraid of change? Are you afraid of trying new ideas to help grow your internet home business? A lot of people who start out in online business make the mistake of putting up a website and expect to make lots of sales without any revisions or...more
Many people enter into the affiliate marketing arena with the hopes of making some quick money whilst doing the bare minimum amount work and preparation. They expect to be making the type of money super affiliates make within five minutes of joining...more
How often has your schedule been thrown out of whack because of a client's needs? I try to live by the 80/20 rule: working from my home office 80% of the time and working onsite with clients 20% of the time. But, the past week has been the exact...more
I had a blast at the Albuquerque International Balloon Fiesta events. When I told some Albuquerque natives and semi-natives how excited I was about attending, I usually got the same response: "Oh, you won't get that excited after you've been here...more
Understanding your Tax obligations relative to your Home Based Business can be a confusing issue. The IRS has been more attentive to the claims made by Home Based Business operators; therefore it is imperative that we educate ourselves about our...more