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Did you know that of every 100 people that start out to try and make money on-line only 10 or less might be able to succeed in doing that? Where did I get those statistics and why is that happening?

To answer that first question is rather easy for me. James Scholes has a marketing website that shows other people how to make money online. I show them how to market their own business and write articles for money among others. I also list the companies I personally deal with to make money and write an email newsletter to help my readers. I don’t “sell” anything, but I do accept advertising on my website. Through my efforts, I have discovered that even though I get hundreds of people signing up and receiving my newsletters, only 50% of them open the newsletters. I get very few people to unsubscribe but with only a 50% open rate that means they are not reading what I have to say. I have also found out that when I suggest a free program to join in order to make money and show proof that I have earned money using that method, I only see one or two people sign up. So statistic wise, many people are interested but very few follow through.

Why is there a reluctance to follow through on much of what I show people? That part comes down to the type of people that my website seems to attract. They are the type that wants to get going on earning money online but for some odd reason are reluctant to start or need someone to hold their hands every step of the way. It is a fact that those types of people will never be in charge of their own business because they lack the incentive to follow through on what they have started.

If you look at the business world around you offline then you will see the same thing. The type of people that have the incentive to make money will still be making money. People who wish they were earning money by having their own business or earning on-line will be just doing that – wishing. The bottom line is that only 10% of the population has the incentive to follow through on what they started. Of those who do manage to start making money online, some of them give up doing so in under a year, because to them the amount is not “worth their while.”

To make money online, it takes a person with perseverance, the will to go on, and a touch of creativity. Do you have all of that? If you do then you might just be in that minority.

Banks started out as simply an institution that accepts deposits and produced loans for potential homeowners and businesses. Over the years, as we all know, they have been using those deposits to invest money for themselves. As an additional stream of revenue, they sell investment products and services to individuals. Many individuals take the advice their financial institutions give them verbatim, believing the professionals know more than the individual. Unfortunately, this is very rarely the case.

Even with just mild research, looking on careerbuilder or monster, you can see what major financial institutions are looking for in a “Personal Banker.” Chase, Citi, JP Morgan, 5/3 Bank, and many others all have two things in common in their “job requirements” section. They all explicitly state that they want individuals with sales experience, preferably phone sales with Verizon or AT T.; Secondly, they don’t care if the individual has any experience or competence with the basics of finance to start. What do those two things mean? Well, its important to remember that banks are businesses. Them wanting experienced sales staff makes sense. Depositors come in the bank, maybe that salesperson can sell them a life insurance policy or even a cd.

Here’s the kicker. Finance can be extraordinarily complicated depending on the individuals set of circumstances. While speaking with an HR individual from Chase, they stated that their company prefers individuals with experience in the investment world work as an analyst within their firm. They would rather those individuals not work directly with the general public, since they can charge more for their services by having them work with high net worth clientele. Also, those individuals will not push unnecessary products onto individual consumers who wouldn’t benefit as greatly from those products. While the perfect candidate for Personal Banker who has a few years of sales experience at Verizon is used to pushing any and all products onto everyone who walks through the door. Here’s a perfect example. Note how it says nothing about financial experience.

While you walk into your bank, being harassed by the late Verizon or AT T; employee to buy a cd with 1.2%, the real financial professionals are finding tremendous value plays for their high net worth clients in an office. While your personal banker may not have had any semblance of a financial background before starting with the company, they were trained extensively on the perks of their financial institution’s products. They were trained to tell you why their product is better than their competitors down the street. Unfortunately, since they don’t have real financial understanding, they can’t tell you why the construction sector is a bad investment during a recession. Why consumer staples are an okay idea, but not consumer discretionary. They don’t understand yet why high growth mid and small cap companies are a perfect storm to destroy your retirement portfolio, while mid to large cap value stocks are a remedy to the destruction your portfolio suffered during 2008.

Sadly, many people rely on their banks to help them gain some wisdom into the financial world. The banks rely on that type of logic to sell consumers products that will offer them little return, while allowing the bank to leverage those funds in the meantime to increase their balance sheets. 

There are several platforms to invest in like Immobilien Dusseldorf. But for you to become successful on it, you have to take advice from professionals. Make sure to have a mentor who will guide you all the way to success. 

So who should you get your investment advice from? Make sure whomever you speak to about any type of investment has at least a CFP. Even better than that would be a CFA. It isn’t terribly hard to gain a Series 7, or Series 63, or even a Series 66. The individual just needs to be a good test taker. A CFP, and especially a CFA comes with much more esteem, and is much harder to come by. While they may cost more for financial advice, it is at least someone you know has an in-depth understanding of the financial realm.

I’m a special education teacher certified in emotional impairment. I have a degree in psychology. I’ve read almost every book on depression self-help. I’ve also battled depression and it’s my own experience with depression that has taught me the most. Like what to say and what not to say to a friend who is suffering with depression.

Giving mindless advice like ‘just cheer up’, ‘pray more’ or ‘have faith’ is like putting a band-aid on a severed limb. It’s inadequate and patronizing. And it’s cold and unfeeling. Scripture says that if you say to your brother, ‘be well’, but do not tend to his needs’ you are ignoring your Christian duty. That’s exactly what depressed people often cannot do is pray more or have faith. For some reason, usually buried in the subconscious, a person in depression has lost hope. Don’t’ tell the depressed person to ‘have faith’ or ‘pray more’; pray for him and bolster his faith by your love and compassion.

Likewise quoting scripture or lovely platitudes is usually a slap in the face to the depressed person. I remember on the way to a therapist appointment when I was in the throes of a depressive episode, passing a church sign that says ‘God wants you to be happy’. I wanted to run the sign down in my car. Happiness, or joy was exactly what was eluding me. To me, that sign might as well have said, ‘God expects you to be happy. God demands that you be happy. How that’s going to happen is your problem. But you’d better do it if you want to please God. If you’re not happy, you’re a miserable failure’.

Scripture tells us to ‘weep with those who weep’ and ‘comfort those who mourn’. It doesn’t tell us to paste a Perma-grin on our face and try to ‘get someone to smile’. That kind of comfort is cold and shallow. It’s all about the person doing the cheering, not the depressed person. When little Miss Sunshine has succeeded in ‘getting her to smile’ she can go on her merry way, patting herself smugly on the back for ‘cheering her up’. Meanwhile leaving the depressed person feeling more miserable.

Depression, sadness, gloom and despair of feelings most everyone will experience at some point in their life, if they have healthy, developed emotions. Don’t patronize or minimize another’s pain. ‘Bear one another’s burdens’. Help them shoulder the load of pain. You’ll provide a lot more care and comfort with a hug and a shoulder to lean you will trying to ‘pull them out of it’. The mental toughness and treatment of depression is great with the right method. The treatment should be great to meet with the specifications and requirements. The pain  due to the mental problems is reduced with the right method.

As the economy is growing, technical advancements are taking place, a lot of systematic rupture and chaos is also embarking on the doors of individuals. We are sitting in a time where some people are working hard and trying to earn respect and money by doing hard work and giving their best while others are growing by looting people and creating frauds. One of these frauds includes spam calls that enter the minds of innocent people and end up causing harm to the individual. How can you stop this from happening? Why not learn to track the number and ensure its legitimacy? Use the aquiestcenumero to get your answer today!

How can you track a phone number online? 

Well, we know that you are glad to know that tracking a phone number is possible indeed. Some creative technologies allow you to check where the call came from and who called you. Accordingly, you can take the necessary steps. 

Generally, one’s phone network operators have access to these details, but some other organizations exist that tie-up with these companies and create a reverse look-up where you, as an individual, can find out the identity of the person that placed the call and sometimes the location as well.

If you want to find out the location or the identity of the individual, you must download a phone monitoring application. These applications can target any device and give a detailed review of the caller or the individual that has messaged you from an unknown number. 

These factors protect you from any kind of spam or fraud that might take place. Using the aquiestcenumero, you can easily track and protect yourself from any kind of deception, and stay safe and sound.

There are several benefits of proper rat removal procedure. First of those is establishing a safe perimeter. When you hire a professional rodent removal, they will immediately conduct an inspection of the outside perimeter of your house. They know exactly how to control rats as safely as possible.  The will find all the crack, hole and crevice where mice and rats could use as their entry point. Hence, this will allow you to establish a safe perimeter outside your house.

Another benefit that you can get from proper rat removal is energy efficiency. Basically, your attic space is designed to regulate the cooling and heating. But when your attic becomes compromised by mice, there is a high tendency that your energy efficiency will become compromised as well. This will definitely increase your energy bill. So it is necessary to protect your attic space against these unpleasant animals. Hiring a professional rat removal services will also maintain a healthy space in your house. There are some diseases that mice and rodents can bring to human. These include salmonella, bubonic plague, Hantavirus and Rat bite fever. They also carry contagious pathogens and harmful bacteria.

Thus, whenever you have the chance to get rid of these organisms, it is necessary to make necessary action to protect the health and safety of your family. Rodents have also a habit of constantly gnawing. They have the habit of scuttling between your which could affect your electrical wirings as well. This could put your house at risk of electrical fire. Hence, removing rodents in your house is more than just an option, it is a necessity. Last but not the least is secure storage. Removing all rodents in your house with the help of a professional will keep your storage both food and non food free from any bacteria and damage brought by rodents.

The television adaptation of Stephen King’s The Langoliers, a novella published as one of four in the King collection, Four Past Midnight, truly leaves something to be desired, making the audience wonder exactly what it was that inspired filmmakers to make this particular work into a made-for-tv movie and, moreover, what when horribly wrong in the translation.

The first thing that one is likely to notice from The Langoliers is that the cast contains no one of repute. Beyond the vague feeling of “hey, that’s that guy from that movie that one time, where they went to that place and did that thing,” the cast is utterly unrecognizable. If their performances in this film are anything to go by, it’s easy to see why none of them have made a remarkable dent in Hollywood.

The dialogue is written well enough, but it’s carried off with such a lack of conviction that the lines sound like they’re coming from a high school drama performance and not an actual film. The cast may well take their cues from an equally unimpressive director (Tom Holland, known best for his work in… well, absolutely nothing at all of note), who seems to have very little actual direction over this movie.

It feels upon watching as thought Stephen King gave birth to an idea which slowly evolved into an entity of its own, and this little blob of literary goo tried very hard to make itself into a film without the aid of anyone who actually understood cinema. A bizarre concept, certainly, but we are talking about Stephen King, and it’s difficult to get more bizarre than that. The adaptation of the right method should be made to purchase LiveTV. The difficulties in the purchase are handled with the skills and expertise of the person. The watching of the views is great with the engagement of the visitors. The direction and positions should be great with live streaming and broadcasts. 

Because it is standard King faire, this film is all about the quirky alternate-world into which a group of travelers have unwittingly stumbled after falling asleep on a plane trip. In this world, they are on the lookout for the Langoliers, a group of time-eating monsters that are strangely remniscient of “The Nothing” from The Neverending Story. As the characters wander around an airport throughout the vast majority of the movie, they search for clues as to what has happened to them.

The audience, on the other hand, would do best to be on the lookout for the countless continuity errors resulting less from a low budget than from sheer laziness on the part of the filmmakers. On countless occasions when a character is talking about how the world is completely devoid of people other than their own group, the viewers can see cars driving by or people passing in airport terminals.

We’ve all had those pictures that we take while on vacation where a tourist walks right across the picture when we’ve finally gotten the whole family together and standing still, but we don’t take those pictures. Imagine three hours of those shots spliced and poorly edited into a film. Stephen King’s works already require enough suspension of disbelief without the audience constantly having to overlook errors in the filmmaking process.

The Langoliers also has a problem common to several other films in the thriller/sci fi genre; the frightening foe in the film is indeed frightening, until we see it, at which point it’s no longer frightening but rather laughable. The key to a good King film seems to be in that crucial air of mystery keeping the force of evil somewhat masked (Carrie, Children of the Corn, Misery), but The Langoliers takes this old format and throws it out the window, offering the viewers some spectacular computer-generated images that come off looking a lot like poorly-drawn balls of aluminum foil with teeth, and even the kids unfortunate enough to see this film will find nothing at all frightening about the film’s climax.

Small-time filmmakers in Hollywood would do well to remember this simple rule: if the audience does not feel terror at the crucial moment in a film, you’ve lost them. They’re not coming back. They’ve already wandered off to see a film that possessed both a budget and some decorum.

As most local movie stores will not carry this item, you can save your time looking for it there… but this reviewer would recommend shortening your Netflix queue by one more item and foregoing this film altogether, lest you find yourself begging for that three hours of your life back.








As someone who has definitely learned about his local coffee shop to its full potential, I definitely have experience with what goes on there. Here are a few suggestions to keep in mind if you are a first-timer at the coffee shop.

Buy Something

Don’t be a coffee shop bum, and don’t make an employee have to ask you to patronize their establishment. As soon as you come into the shop, set up your laptop where it needs to go, grab your money, and go purchase a coffee, or a scone, or some other item from the shop. In some places, they will even give you free refills on coffee and drinks.

These establishments are stupid. They know that after sitting in the shop, especially one where food is served, for an extended period of time, you are going to get hungry. Both of you guys know that you can’t bring outside food into the shop while you work, so you are going to have to buy food from them if you plan to stay and eat. This is how some places are able to justify free wifi.

Set Up Near an Outlet

You’ll find that many people who come in with their laptops sit clustered in certain areas. This is because they are looking for a power outlet. Even if you feel confident in your laptop’s ability to hold a charge, still sit somewhere close to an outlet and plug up, just in case. When the shops are busy, you may find yourself in a situation where your laptop just died in the middle of a great ephiphany (coffee shops can be a great place to generate ideas), and all of the power outlets in the place are taken. You don’t want to lose that thought or work because of a simple lack of power.

Going to the Bathroom

Going to the bathroom can be a sticky situation. In some cases, you may feel comfortable leaving your laptop sitting outside there alone while you take a leak. I won’t do that unless I know that someone else with a laptop agrees to keep an eye on it. There are enough cases of people getting their laptops stolen for this to be a concern-you’re not paranoid. If no one, in particular, is watching your stuff, anyone in the shop can just assume that any random person grabbing your stuff is the legitimate owner.

So when going to the bathroom, be sure to either ask another laptop buddy to keep an eye on it, or pack your stuff up and take it with you.

Keep Your Coffee or Tea Separate

I lost the use of my laptop keyboard and ended up having to lug a PC keyboard around with me when I neglected to heed this piece of advice. Don’t ever place your laptop on the same table as your coffee or tea. When you are drinking, make sure that your face is far away from the keys. All it takes is a quick slip of the wrists for your entire laptop to get ruined.

If you are going to a coffee shop to work and take advantage of free wifi Internet service for the first time, be sure to take this advice with you. One last thing-be is aware of who is around you because there are scammers who target wifi HotSpots to steal information. Just do an Internet search to find out more.

We all have our whole life in front of us that we care a fig about during childhood as that is the time to enjoy it to the fullest potential and leave the stress and worries to the parents.

The problems begin when you complete your graduation and move onto finding a job that is hard to do so in current times as the competition is fierce and opportunities are few and far between with blatant nepotism adding rubbing salt on the festering wounds.

However, there is a silver lining in this grim process in the social media that is a powerful medium that everyone can utilize in current times where you have numerous platforms to help you out in this matter.


Social media icons

Brand Value

The social media platforms in question are Facebook, Twitter, YouTube and Instagram where the latter has played a huge role in shaping the lives of many a youngster because you get to have a huge following on this platform if you have good content.

There is a reason why renowned celebrities have Instagram accounts as they know of how powerful this platform is to promote their brand value but this holds true for common folks as well which you can know through

If you want to promote yourself then Instagram is the platform where you just have to create your own account where you tell people about what you have in mind and how the project is going to unfold.

The people that are interested will look at it and start following your account one by one which would slowly develop into a huge brand where you can motivate fans on how to move forward in life.

If need be, you can also come up live on Instagram where your followers will join in and bombard you with queries which you can answer to clear their doubts so that they can decide better.

There are few feelings that are stranger than when it begins to dawn on you that your car has been stolen. The response usually involves disbelief, confusion and even anger. Depending on what you are doing when you discover the theft, panic can also be a reaction. Eventually, you will begin to wonder whether your car is covered for theft.

Car theft is not covered by a collision policy.

The thief may wreck your car before it is found, but the theft itself is not included in a collision policy. Collision insurance is just what it sounds like. It is insurance that pays if your car is damaged in an accident. Theft is not considered an accident. In fact, your car may be found undamaged a few hundred miles away. If this happens, you are lucky, because you do not have to worry about insurance. Just go pick up the car and bring it home. The cheap insurance quotes will offer insurance policies for a theft car. The information about the insurance policy should be great to deliver potential advantages. All the damages are covered under the quotes and cover against the accidents. No car theft is covered under the collision insurance policy. 

Liability does not cover a stolen vehicle.

Liability insurance is designed to cover your financial obligation to fix the other person’s car or property and help with medical expenses. Since your car is stolen, if it causes damage to property or people, you are generally not going to be responsible. If the car is not found, the liability portion of the policy will not come into play.

Theft is usually covered under the comprehensive part of your car insurance.

Comprehensive insurance is a broad policy that covers a number of important car insurance needs. With comprehensive insurance, for example, glass breakage caused by rocks along the highway is covered. If storms damage your car, it is your comprehensive insurance that pays the bill. Along with these coverages is car theft. The comprehensive policy will pay for your stolen car if it is not recovered.

Many car insurance companies will not allow you to buy comprehensive insurance without buying collision insurance first.

Comprehensive insurance is considered a part of a “full coverage” package. The car will be insured for collisions, liability and comprehensive. Unless you buy full coverage insurance, comprehensive is usually not offered. Comprehensive can have a deductible that is different from the collision portion of the policy. Some people like to carry a $500 or $1,000 collision deductible. However, comprehensive deductibles are often less than $500, and sometimes there is no deductible at all.

Some theft policies have provisions that must be met before the insurance will cover the theft.

Usually, you have to be able to convince the insurance company that your car was really stolen. For most people, this is not a tough assignment. As long as the insurance company does not see any signs of fraud, they will usually accept your testimony that your car was stolen. If the car is recovered, it should not appear that you actually loaned the car to someone who failed to return it to your driveway. If your keys are in the ignition switch or the car was obviously left in a strange place unlocked, the insurance company may not cover the theft.