Online HYIPs rarely provide information to their investors of what is done with their money. This makes it easy for fraudulent programs to succeed. Dishonest organizers can set up a website to look like the other HYIPs available on the net, wait for investors to place their money in their hand and then stop the activity and walk away with the cash.
It was recently reported that BP discovered an oil field in the Gulf of Mexico which could potential yield as much as 3 billion gallons of oil. While the discovery was termed a “giant oil field”, as it contains more than 250 million barrels of oil, just how big is this discovery? Enough to end our so-called “foreign dependence” on oil? Not even close.
The United States burns through approximately 19 million barrels of oil a day, meaning that in 100 days, or a little over three months, the United States burns through about 2 billion barrels of oil. So even if all of the 3 billion barrels of oil in the new find could be extracted, which is unlikely, it wouldn't even meet the United States oil consumption for even half a year. While “giant” oil finds such as the one in the Gulf of Mexico will help supply a small fraction of the oil to the United States, and any other country who can afford to buy it, the world's oil reserves are decreasing, and mega big finds are increasingly rare.
So while BP's oil find has importance for its investors, as BP will surely generate millions of dollars from the find, it means nothing to the average consumer and driver in the United States, and even less to people living in other countries. Inexorably, the world is running out of oil. While electric cars and buses may eventually become the most used form of transportation, the world's use of oil extends beyond transportation.
Indeed, the world's population is dependent on using natural gas, and oil, for the production of ammonia used in high yield fertilizers. As the world's supply of non-renewable resources such as oil and natural gas decrease, food prices could spike and the world's population, especially in developing countries could be severely affected.
So while the discovery of what is essentially a drop in the bucket of the world's annual oil usage is touted as a “giant” oil field, we are slowly progressing on a course where the world's food production, already insufficient for many millions of people, may become even more dire. One day, our children, and our children's children may view oil as a precious natural resources, too precious to burned in “internal combustion engines”, and should be reserved for the production of crops and products that can only be made from oil.
While some in the oil business may believe that the world has a “century” worth of oil in proven and undiscovered oil fields, others believe that world wide oil production will peak and then fall in the coming centuries. As countries such as China and India industrialize and increase world demand for oil, the need to conserve oil by the production of electric cars and solar energy plants becomes a matter of self-preservation of the human race instead of just being “green.”
Sources:
BP Oil Discovery
http://online.wsj.com/article/SB125193142246381215.html
http://news.bbc.co.uk/2/hi/business/8233504.stm
Peak Oil
http://en.wikipedia.org/wiki/File:EIA_petroleum_consumption_of_selected_nations_1960-2005.png
Online HYIPs rarely provide information to their investors of what is done with their money. This makes it easy for fraudulent programs to succeed. Dishonest organizers can set up a website to look like the other HYIPs available on the net, wait for investors to place their money in their hand and then stop the activity and walk away with the cash.
Divorce is not only an emotionally traumatic event, it can also lead to complications of physical health and even affect your financial well being. For many financial planners today, the realm of practice now includes the strategic involvement of divorce litigation and asset division.
If you are in the process of separation or divorce, it is important to seek guidance from a financial planner early in your litigation process. In many cases, and unfortunately, many couples seek financial planning after the divorce proceedings are finalized, only further complicating their financial security.
Most financial planners, today, would support the idea that when divorce occurs men are often left with the financial advantage. In many divorces, women are left with children to care for, very few assets and usually surmounting debt. For this reason, a financial planner can assist with working through anticipated financial obligations you may have after divorce, including asset ownership, debt management and even offering advice on funding a child's education.
Both men and women should discuss financial planning as part of a divorce settlement. Within the realm of financial planning, each person should discuss issues and concerns related to insurance, including life, health, dental and disability. Discussions about credit card debt, tax issues and long term financial needs of children should also be discussed. Too often, couples allow the courts to make decisions with regard to financial needs, resulting in an imbalance of financial distribution.
During the separation and divorce, it is also important to open and maintain separate checking accounts and close any joint credit cards you may have so as to avoid further complication in the financial discussions. With a clear date on which financial separation occurred, the courts and your financial planner can work to balance assets and debts more clearly.
With regard to your personal financial documents, each individual in the relationship should have a copy of all paperwork. Allowing one individual to store or hold all of the important legal documents will place the other individual at a large disadvantage. Documents including stock statements, tax returns, insurance documents and even credit card statements are just a few that are commonly mismanaged in a divorce.
As with any process in a divorce proceeding, it is important to seek professional opinions when necessary. While we commonly rely upon our divorce attorney to provide financial advice, in reality, they are untrained to do so. To ensure your assets and debts are managed and divided fairly, meet with a financial planner as part of your divorce process and be certain to obtain copies of all financial documents while hold a separate checking and savings account.
Before Tom Brokaw formally stepped down as interim host of the long-running NBC news show “Meet The Press,” he had one last important interview to conduct. For his last interview, before passing the reins to David Gregory, Tom Brokaw talked with President-Elect Barack Obama.
Tom Brokaw, professional to the end, set the stage for the interview by backgrounding it with the disquieting parameters the job awaiting President-Elect Obama after his inauguration. He reminded Obama that he the country in an “official recession,” that terrorism had reared its ugly head again in Mumbai, India, that unemployment was at its highest numbers in fifteen years, that the automotive industry was nearing collapse. To which Obama replied that, as bad it is, it still does not compare to the problems facing the country during the Great Depression.
Obama told Brokaw that the economy was the “number one priority coming in” for his administration. He also said that the Big 3 automakers could not be allowed to fail. Obama pointed out that restructuring was needed, pulled short of saying that the government needed an “Auto Czar,” and maintained that the car companies would have to be accountable and implement plans to become competitive or lose in the long run. Pointing out that government takeover of businesses generally ended in failure (historically), the President-Elect told Brokaw, “We don't want government to run companies.” But he pointed out that America needs and wants an auto industry that actually works and functions properly, not one that keeps heading to Washington for loans. Taxpayers were demanding accountability.
Brokaw asked if current executive management at the Big 3 should be replaced. Obama hedged, saying that “incremental progress” had been made, that there had been “investment in green technology.” He said that, however, the car companies had had no “sense of urgency.” Obama said that company executives needed to begin making sacrifices, just as their workers had and were, suggesting “give up some of your compensations and your bonuses.”
When Brokaw suggested a gasoline tax, Obama said that he felt that, given the current economy, an “additional burden is a mistake.”
And mortgages? Was Obama's proposal to give homeowners a three-month moratorium still an option. Obama said that it was an “important option.” He said that his Economic Team was also working on other options, including the restructuring of mortgages, which he believed would lend itself to long-term benefits of the country as a whole.
Brokaw asked if Obama and/or his Economic Team had conveyed their concerns and ideas to Secretary of the Treasury Henry Paulson. The President-Elect said that they had, then pointedly said that dealing in half measures – such as fixing Wall Street's problems without fixing Main Street's – would not work. Obama pointed out that the housing market needed strengthening and that more regulations would be needed to curtail speculation and the destabilizing business practices like those that led to the current mortgage and financial crises. President-Elect Obama said, “Everything is so interdependent.”
Obama also told Tom Brokaw that his administration would work on policies to not only strengthen the economy, but the economic status of every citizen. He pointed out that in the past ten years there had been a drastic wealth shift, mostly toward the already wealthy. He said that putting a heavier tax burden on the wealthy had worked in previous administration's to strengthen the country's economic standing through the buying power of the average citizen. “When we all do well, the economy is going to benefit.”
Although the overall tone of the interview (with regard to the economy) was reassuring, President-Elect Obama tempered it all by saying that it was going “to get worse before it gets better.” A healthy dose of realism no doubt should go a long way in dealing with too many detractors in the first few months of the nascent administration. Not that that will stop the hardliners like Rush Limbaugh, who has already begun calling the economy “Obama's Recession.” But it must be remembered that it took months upon months to slide into the current economic situation, so it will take more of same to climb back out.
Tom Brokaw's last appearance as host on “Meet The Press” not only showcased the skills of the veteran newsman, but it also extended to the American people an image of an incoming president confident of his and his appointees' abilities to do the difficult job necessary to run the United States during admittedly trying times. For this image and the presenting of Obama as a man in charge, the American people were given another glimpse of what made Tom Brokaw the award-winning news journalist he was for four decades.
David Gregory will take over as host of “Meet The Press” on December 14.
******
Source:
“Meet The Press,” NBC Television
Getting business finance or finance for your business whether it is a loan, an investment or a grant us by no means easy, but it will be worthwhile if you make your dream or dreams come true. You could get finance for your business from your bank in the form of a business loan, from your local council or government in the form of a loan or grant, from family and friends and even from an angel investor or two.
Here are a few things to remember, go through and consider when it comes to getting the right business finance to suit you:
1. How much money/capital are you looking to raise and what will this money/finance be used for?
2. How long would you like to repay the money/finance, how much could you afford to pay back if the business didn't work out as you had planned it?
3. What are your companies profit and loss forecasts, sales forecasts and so on, how much are you looking to make (profit wise) over the next three to five years – this could determine how much money you will be able to get or raise.
TOP TIP: Always remember to read the small print, and get a copy of whatever you are reading. It is fatal to not read the small print on any document
4. Who are your competitors, who is your competition and where are they?
5. Do you have a business plan, financial plan and marketing plan that show prospective investors and lenders just how you will get them there money back?
6. How much of your own money and time have you invested and put into your business so far and how much are you willing to put in and invest, for example would you put your house up to get a business loan from a bank and so on?
TOP TIP: In your business plan always remember to cover what you will be selling, at what prices, who your competition is, how you will make money and how you will compete within your marketplace/marketplaces. Investors, backers and banks will want to see this information in black and white before they invest.
So there you have it, a few things to consider and remember when going for business finance. Remember to take advantage of all the free and impartial advice that you can get your hands in, for example ask local business services what there is around, search the internet, compare and then go for the finance you think is best suited to you, your needs and the businesses needs.
I hope you have found this article both helpful and useful, good luck with raising business finance, I wish you every success
Hello there,
Today we are going to talk about a great HYIP network that will keep everyone updated about HYIP. You can find different social networks offering some good related websites.
Hyip-France.com is lead by french people and it seems to be a impartial website. It is starting to make noise actually, as we saw in the previous article that honesty was not the primordial thing for HYIP monitors in general.
Just like me, you can join the community to get the best informations and bookmark the website. Here is the direct link : join us on Facebook !
Consider this picture: You are a worker for Labor Ready. You are there first thing in the morning. They open at 5: 30, you are the first to come, and sure enough, the dispatcher calls your name first. He sends you to the local newspaper (your favourite place to work anyway). Your job is an easy one. As the papers come down the conveyor belt, you are to catch them, pull them off the belt, and place them on the pallet. And when the line leader calls, “Card-BOARD!”–you are to grab a piece of cardboard from the pile in the corner, and quickly lay it on the skid. Then it's time to run back to the line and grab another paper.
This is about your sixth time to this site. You have developed quite a name for yourself for being fast, efficient, and punctual–essentially, a person with a good work ethic who is proficient on a number of tasks. Yet you did not earn this reputation by osmosis. There are some things you did to earn you that name, and continuing to govern yourself in the same manner will ensure you will keep it. Today I would like to talk to you from a very important topic, “How to Sell Yourself on a Temp Job.” Temporary positions do have a way of becoming permanent, if the decision maker at the company feels you'd most likely be a good fit for them.
First, when you are dispatched to a location, find out where it is, and how best to get there on time. Most managers value a temporary employee who can reach the jobsite on time, and is consistent in his or her punctuality. Unlike the Labor Ready scenario I presented at the beginning of this paper, most temporary agencies dispatch a few days before the fact. Should this be the case, it might be helpful to do a Mapquest search. Believe me, that piece of technology has been, for me, a lifesaver on substitute teaching assignments. Knowing exactly where I need to be and at what time will determine how I will venture to get there, how early I need to leave my house, etc. For the most part, I have been successful at getting to my destination on time. Punctuality is one of the main ways to demonstrate professionalism, and to show that you care about your place of work,and that you have respect for your boss and your fellow employees. I knew a nice guy who was a coworker who was lackadaisical about his job. He would come there when he wanted to, and then he would fall asleep. Sometimes he would come there over an hour late. Needless to say, he is no longer there now.
Second, please come there awake and ready to work. Get a good night's sleep the night before, so you don't fall asleep on the job!!!! This is just about the number one way to get DNR'd from a job site–that is, told to never return. Because believe you me, job site supervisors WILL complain to your temp agency. Your temp agency, in turn, may choose not to send you back there, or deny you further assignments anywhere else. I work on the weekends as a patient sitter for this nursing temp agency. There is a strict “no sleeping” policy there. If you are sent to a hospital,and found sleeping, you could indeed be sent home, and fired by your temp agency, especially if you are still on your 15-day probationary period.
Hey, temp agencies don't have time to baby you. The companies they send you to are their CUSTOMERS. The agencies' job is to keep THEM happy, because that is how they make their money, feed their families, and so on. You don't get to work for them because they are so in love with you. You are a worker. Your job is to render a service for them so that they may provide you with a paycheck. And as long as you do your job and do it well, fine.
Third, on jobs where production is the key, be sure you can keep up. Because sure enough, someone is in an office somewhere tracking how you're doing on your line. Are you folding the 1000 towels an hour you are supposed to be? Not only are you expect it to do it fast, but you must do it effectively. Perhaps the #1 complaint from customers to their agencies is that “Ken's just too slow. He's a nice guy and everything, but he's not a perfect fit here. Please don't send him back.” Hey, if enough temp agencies say you are too slow–you may find yourself not getting sent out very often. The important thing here is don't front. Dispatchers love having you be honest with them. If there is something about a job site that you are being sent to that makes you uncomfortable, then by all means, please say, “No.” If at all possible, don't go there, and bomb the assignment.
Fourth, be honest. Prove you can be trusted. You might say, “Well, Angus, that goes without saying!” No it doesn't–time after time I have seen and heard of too many cases where people have taken longer breaks than assigned, punched other people in and out, or punched in, went over their girlfriend's house, stayed until time to punch out, arrived back at work to punch out. Indeed, if you were working at my temp agency, your hindquarters would be tossed right out of the door!
Fifth one is–and I can't stress this one enough: Whatever you do, don't stand around. Because the belt slows down, it does not put you at liberty to just stand there and begin to daydream about tonight's episode of “American Idol,” or the girl you took out to dinner last night. Do something. Pick up a broom and begin sweeping during your downtime. Or, ask the boss at the site what he or she would have you do to help them. Taking on an extra task without being asked, indeed, shows one thing employers are always looking for: initiative.
And last, but not least, you must always prove that you can do the job safely. If your job requires safety glasses, steel-toed shoes, or whatever, be sure you have them on. That is part of being prepared and responsible. Such safety rules are in place for two very good reasons: First, the company is responsible to OSHA for maintaining a safe working environment. If OSHA doesn't feel comfortable with the idea that these standards are being obeyed–the supervisors can be written up or fined. Second, if you have an accident while working at a jobsite for a temporary agency, the agency may fire you to prevent you from extracting medical benefits from them. In the case of accidents that could have been avoided by glasses, earplugs, or steel-toed shoes, no better for that employee.
Following these steps will keep you in a position to obtain future assignments, not only from that company,but also from others as well. And when that company begins to hire at some point in the future–as they will–you will be at or near the top of the list for consideration. You won't have to initiate the process (and I would advise you not to, it's best that the company comes to you and offers you a position.). It is best to let your work record and ethic speak for itself. Your work performance is your best way of selling yourself.
Generational wealth is not something that is easy to develop. Only 7% of U.S households has incomes over 100K per year and only around 2% have generational wealth. Generational wealth is the entry level to the upper brackets of the upper class. Like the old aristocracy it means the children of the wealthy patron never have to work.
Isn't it the goal of most business owners to become so wealthy that they have money flowing into their bank coffers with little effort? Most of us want to be rich. It doesn't take much to figure that out when everyone is purchasing houses they can't afford, buying clothing at boutiques and leasing expensive cars. If we don't want to be rich we all want to at least look rich.
Most entrepreneurs have dreams of taking their ideas and going to the finish line. They have dreams of large manufacturing plants spewing out their products, owning international firms and having their sayings quoted in books on the best seller list. These big dreams drive them to work longer and harder than ever before. A few might make it but the majority simply runs out of steam.
In order for an entrepreneur to build generational wealth and all the perks like property, education, vacations and domestic help they must understand that they no longer can run their businesses. That doesn't mean that they aren't involved in them but it does mean that they do not have to run them if they don't want to. In other words their businesses are designed and set up to run independently of the owner.
Not running your business means that it is large enough, strong enough and solid enough to run on its own. There are managers who can keep the business going and growing without your constant attention, accountants who can keep track of and invest your money, and a sales staff that encourages growth. Once you have put your business on auto pilot you have the opportunity to have continual income.
Most businesses owners know that if they get sick or miss days of work they aren't likely to make money on those days. As soon as they are done working their business is done working. Yet things cannot happen like this if you expect your children to be able to make a living off of the same industry you are.
Setting up your business takes a lot of effort and work. You must first determine what type of business you want. Do you want a Limited Liability Company, a Corporation or a Sole Proprietorship? Once you have determined the form of your business you then need to grow it and hire the right talent. This growth and hiring is probably the hardest stage to contend with. Finally, you need to set the business up for your departure so that it continues to earn your family money for decades to come.
Developing generational wealth for your family is not an easy affair. It usually takes many decades, much thought and lots of energy. The majority of people do not have this ability to stay focused on their dreams and desires for such a long period of time. Building something great is like a “right of passage” where only a few will earn the prize.
America doesn't make things anymore. The blue collar, manufacturing worker had his time after the Industrial Revolution, and it's now coming to a close. White is the new blue, and blue is now just a pretty color. If you want to survive, you've got to keep up.
Real estate agents no longer have exclusive access to listings. So why is buying property still a mystery to people?
Wall Street no longer has exclusive access to the charts and numbers which allowed them the knowledge to trade for you. So why doesn't everybody manage their own money?
Big publishers can't stop people from reading you; big record labels can't keep people from hearing your music; big companies can't keep you from making money. So why is everybody broke and complaining?
Here's how to take advantage of the global economy…if you're local.
Step 1: Invest in a laptop and a wireless Internet connection. This laptop is your office, connected at all times to the global economy, which, contrary to what you might believe, is rolling along just fine.
Step 2: Research how to monetize what you love to do on the Internet. For instance, I love to write. Associated Content, and other sites, along with affiliate programs, provide the opportunity for me to make a living without a publisher or book deal, or even having to kiss the necessary ass requisite to get those. Example: If you learn to trade stocks well, you can make money from China in your PJs at home. That's how you must think of this process.
Step 3: Take your laptop to your nearest Barnes and Noble and invest in a cup of coffee at least once per week. Remember that thing you love to do? The bookstore will tell you exactly how to monetize it if you can't find it online. Copy down notes in your laptop, bookmark websites, and keep tips. For free.
Step 4: Learn to treat your new mobile office as a job. Keep hours and increase your efficiency at all times. If certain actions slow you down, like listening to music while you're trading stocks, stop it immediately. This is how the rich do it — never really working, but always making money, so they don't need vacations and headache medicines. They can close deals playing golf or in a strip club. Life becomes much more free.
Step 5: Focus on generating residual income. Fire your boss as soon as you can. Congratulate yourself on breaking free.
