|Comment on Ruby Gettinger: Where is she now and what does she weigh? by Dawn||My highest weight was 330 lbs. That was my "bottom" as they say. I decided that I wanted to loose weight and I did. I made some lifestyle changes that I will have to follow the rest of my life. Diets don't work because they imply that you deprive yourself, get down to your goal weight and it's over HA! that's just the beginning. If you don't change what got you to 330 in the first place you are just going to go there again. No soda, lots of water and small meals more frequently spaced out no more than four hours and you will see results. Everyone knows what they need to do. You don't need to spend money on books diet centers or anything like that. If you want to spend money invest in a gym membership, but you don't even really NEED to do that as well. Good luck peoples :)|
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surveys in india - you should read about Bucksflooder first|
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|By: Leo||The real forgotten drugs are compounds that can't be patented or where patents expired. They might be very useful for treating diseases different from what they were originally used for, but no one has any interest of funding clinical trials for these as there is no money to be made.|
|By: Anon2||While incentives are nice, pay usually comes down to market forces. For those of you on the clinical side you will see medical doctors make a ton of money, but not really contribute very much of anything, beyond adding their credential to a protocol. They mostly regurgitate what they can from MSLs. Then the present clinical data to basic scientists and basic science data to clinical folks (so to each party this MD is looked up to as someone who is filling a knowledge gap). The best incentives for early development folks would be a priority class of stock options/shares. However the VCs usually prevent that from happening.|
|The Invisible Belt Invisibelt||No more unflattering bulge from bulky belt buckles! This flat, undetectable and adjustable belt instantly gives you a sleeker, slimmer look.|
I saw this on the MSN homepage. It is a clear plastic belt, similar to lingerie straps, which has a flat hook instead of a buckle. It holds up your jeans or pants, but doesn't make that "buckle bump" which shows under tops worn untucked.
No more unflattering bulge from bulky belt buckles! This flat, undetectable and adjustable belt instantly gives you a sleeker, slimmer look!
You know when you buy a pair of jeans that are just a little too big on the waist? Running to the tailor is a major time and money drain, and wearing an ordinary belt (ugh, that bulky buckle!) won't work either.
Think about it, do you really want to put your favorite fitted top over the dreaded buckle bulge? We didn't -- so we invented the Invisibelt -- a smooth, undetectable belt with a flat clasp.
Nicknamed the No Buckle Belt by its fans, the Invisibelt will help you look slim, finished and fabulous all day. It's genius! An ideal functional, fashion accessory with adjustable plastic belt with a flat clasp belt instead of a belt buckle. Plastic band, width is 7/8 inches. Naked is clear; Noir is black (a sexy patent sheen)
One woman received the invisibelt in the mail a few days ago. She decided to give it a tough few days' wear before she reported it either way.
So far it seemed to be doing a good job. It comes with instructions on how to adjust its length that makes it sound like it could be easily be stretched if pulled the wrong way, but so far it seemed to be holding up well. The clasp is plastic but easy to use, and it isn't bumpy at all.
|Analytics alone won't save money for healthcare facility owners||none|
|Rail Delivery Group's new app will save digital railcards||
Once rail passengers have a digital version of their railcard stored on the app, they will be able to use it to access money off train tickets without having to worry about the paper version.
|Why did Extra Energy set debt collectors on me?||
Holly Casswell (pictured) paid the amount being asked for by the debt collectors, and then Extra Energy told her it was an error and the money was due from the previous tenant.
|'..If you canât see this next crisis coming, youâre not paying the right kind of attention .. Financial politicians..' (no replies)|| '..If you canât see this next crisis coming, youâre not paying the right kind of attention..'|
'This Fed has already engineered the next crisis, just as Greenspan kept rates too low for too long, ignored his regulatory responsibility, and engineered the housing bubble and subprime crisis. If you canât see this next crisis coming, youâre not paying the right kind of attention. The Trump Fed is going to have to deal with that crisis, but we still have many questions as to what a Trump Fed will actually look like or do.'
'..Their empathy circuits get turned off.'
'Powerful people everywhere routinely make decisions that hurt others. We see it in central bankers, politicians, corporate CEOs, religious groups, universities â any large organization. The old saying is right: Power really does corrupt. And corruption is a barrier to sustainable economic growth. This is more than a political problem; it has a serious economic impact.
'..I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest..'
'Re-entering the news flow was a jolt, and not in a good way. Looking with fresh eyes at the economic numbers and central bankersâ statements convinced me that we will soon be in deep trouble. I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest. Just a few months ago, I thought we could avoid a crisis and muddle through. Now I think weâre past that point. The key decision-makers have (1) done nothing, (2) done the wrong thing, or (3) done the right thing too late.
'..Market distortions â including valuations, deeply embedded complacency, and Trillions of perceived safe securities â have become only further detached from reality. And the longer all this unstable finance flows freely into the real economy, the deeper the structural maladjustment.'
'This week marks the five-year anniversary of Draghiâs âwhatever it takes.â I remember the summer of 2012 as if it were yesterday. From the Bubble analysis perspective, it was a Critical Juncture â for financial markets and risk perceptions, for policy and for the global economy. Italian 10-year yields hit 6.60% on July 24, 2012. On that same day, Spain saw yields surge to 7.62%. Italian banks were in freefall, while European bank stocks (STOXX600) were rapidly approaching 2009 lows. Having risen above 55 in 2011, Deutsche Bank traded at 23.23 on July 25, 2012.
'..This whole episode is likely to end so badly that future children will learn about it in school and shake their heads in wonder at the rank stupidity of it all, just like many of us did when we learned about the Dutch Tulip mania.'
'While I've written about numerous valuation measures over time, the most reliable ones share a common feature: they focus on identifying "sufficient statistics" for the very, very long-term stream of cash flows that stocks can be expected to deliver into the hands of investors over time. On that front, revenues are typically more robust "sufficient statistics" than current or year-ahead earnings. See Exhaustion Gaps and the Fear of Missing Out for a table showing the relative reliability of a variety of measures. In April 2007, I estimated that an appropriate valuation for the S&P 500 stood about 850, roughly -40% lower than prevailing levels. By the October peak, the prospective market loss to normal valuation had increased to about -46%. As it happened, the subsequent collapse of the housing bubble took the S&P 500 about -55% lower. In late-October 2008, as the market plunge crossed below historically reliable valuation norms, I observed that the S&P 500 had become undervalued on our measures.
(2017) - '..a deeply systemic debt crisis akin to the aftermath of 1929 .. the stage has now been set..'
|'..to get rid of petrol and diesel vehicles by 2025..' - Britain bans gasoline and diesel cars starting in 2040 (no replies)|| |
'..The Netherlands and Norway previously said they wanted to get rid of petrol and diesel vehicles by 2025 and Germany and India announced similar plans ahead of 2030.'
'..Dirty air has been linked to cancer, asthma, stroke and heart disease, among other health issues. The problem is especially pronounced in big cities including London.'
'Britain will ban sales of new gasoline and diesel cars starting in 2040 as part of a bid to clean up the country's air.
'..to Ban Internal Combustion Engines by 2030'
|(2017) - '..a deeply systemic debt crisis akin to the aftermath of 1929 .. the stage has now been set..' (no replies)|| '..But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.'|
'June 27 â Reuters (William Schomberg, Marc Jones, Jason Lange and Lindsay Dunsmuir): âU.S. Federal Reserve Chair Janet Yellen said on Tuesday that she does not believe that there will be another financial crisis for at least as long as she lives, thanks largely to reforms of the banking system since the 2007-09 crash. âWould I say there will never, ever be another financial crisis?â Yellen saidâ¦ âYou know probably that would be going too far but I do think we're much safer and I hope that it will not be in our lifetimes and I don't believe it will be,â she said.â
Context (Banking Reform - English/Dutch) '..a truly stable financial and monetary system for the twenty-first century..'
'Unsound Finance gets to the heart of the issue.'
|'..the amount of leverage and excess that has accumulated in bond and Credit markets..' (no replies)|| '..the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.'|
'The Fed is not blind. They monitor stock prices and corporate debt issuance; they see residential and commercial real estate market values. Years of ultra-low rates have inflated Bubbles throughout commercial real estate â anything providing a yield â in excess of those going into 2008. Upper-end residential prices are significantly stretched across the country, also surpassing 2007. They see Silicon Valley and a Tech Bubble 2.0, with myriad excesses that in many respects put 1999 to shame. Iâll assume that the Fed is concerned with the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.
'Itâs now an all-too-familiar Bubble Dynamic. The greater the Bubble inflates, the more impervious it becomes to cautious âtighteningâ measures..'
'The problem today is that years of ultra-loose monetary conditions have ensured everyone is crowded on the same bullish side of the boat. Tipping the vessel at this point will be chaotic, and the Fed clearly doesnât want to be the instigator. Meanwhile, timid little baby-step increases only ensure more problematic market Bubbles and general financial excess.
'..In terms of Credit Bubble momentum, itâs notable that Net Worth inflated over $2.0 TN in both Q3 and Q4.'
'The unprecedented amount of system-wide debt is so enormous that the annual percentage gains no longer appear as alarming. Non-Financial Debt expanded 4.7% in 2016, up from 2015âs 4.4%. Total Household Debt expanded 3.6%, with Total Business borrowings up 5.6%. Financial Sector borrowings expanded 2.9% last year, the strongest expansion since 2008.
'..the S&P 500 is now far more overvalued than in 2000, 2007, or indeed in any prior point in history..'
|(Banking Reform - Monetary Reform) - '..debt is our biggest security threat..' (no replies)|| |
'Now that he is president, Trump likes to tout the fact heâs listening to Americaâs generals. Perhaps he needs to talk to General Mike Millen, the former Chairman of the Joint Chiefs of Staff. Perhaps then he would see that the greatest threat America faces isnât from China, Russia, or North Korea â it is from the national debt. Until Trump reverses course on military spending, and gets tough on entitlements, his "America First" budget will only make the US worse off.'
'..a crippling national debt..'
'Under a Republican budget resolution, the national debt will explode by a third from an already staggering $19 billion to $29 trillion over the next ten years. Although counterintuitive, Democratic presidents, at least those after World War II, have reduced deficits as a portion of the value of the national economy (GDP) while Republican presidents have increased them â thus accumulating less public debt as a percentage of GDP. Yet neither political party has paid enough attention to this burgeoning national security problem.
'..World Debt Hits $152 Trillion.'
|Update (February 11, 2017) - '..ethical standards..' ('.. Dr. Bates appeared to distance himself from some of what he wrote in the blog post..') (no replies)|| |
Update February 11, 2017: 'In an interview on Monday with E&E News, Dr. Bates appeared to distance himself from some of what he wrote in the blog post, and from the way his criticisms were portrayed in the Mail on Sunday article.
Update February 09, 2017: 'Dr Batesâ main complaint is that Dr Karl and his co-authors did not follow strict procedures required for NOAAâs âoperationalâ data. It is not yet clear whether Dr Karl should have subjected his research data to the same procedures. Dr Karl, who retired from NOAA in August 2016, has not yet had the opportunity to respond fully to Dr Batesâ allegations.'
'..a failure to observe proper ethical standards..'
'Dr John Batesâs disclosures about the manipulation of data behind the âPausebusterâ paper is the biggest scientific scandal since âClimategateâ in 2009 when, as this paper reported, thousands of leaked emails revealed scientists were trying to block access to data, and using a âtrickâ to conceal embarrassing flaws in their claims about global warming.
'Whatever takes its place, said Dr Bates, âthere needs to be a fundamental change to the way NOAA deals with data so that people can check and validate scientific results. Iâm hoping that this will be a wake-up call to the climate science community â a signal that we have to put in place processes to make sure this kind of crap doesnât happen again.
Dr Bates said: âHow ironic it is that there is now this idea that Trump is going to trash climate data, when key decisions were earlier taken by someone whose responsibility it was to maintain its integrity â and failed.â '
'Dr Bates retired from NOAA at the end of last year after a 40-year career in meteorology and climate science. As recently as 2014, the Obama administration awarded him a special gold medal for his work in setting new, supposedly binding standards âto produce and preserve climate data recordsâ.
Context '..conduct more meetings on ethics .. Respectful discussion of different points of view should be encouraged.' - John Bates
Climategate: Follow the Money - By Bret Stephens
|'We have no experience in stopping a nuclear war.' - Sidney Drell (no replies)|| '..My greatest concern is the lack of public awareness about this existential threat, the absence of a vigorous public debate about the nuclear-war plans of Russia and the United States, the silent consent to the roughly fifteen thousand nuclear weapons in the world. These machines have been carefully and ingeniously designed to kill us. Complacency increases the odds that, some day, they will. The âTitanic Effectâ is a term used by software designers to explain how things can quietly go wrong in a complex technological system: the safer you assume the system to be, the more dangerous it is becoming.'|
'The harsh rhetoric on both sides increases the danger of miscalculations and mistakes, as do other factors. Close encounters between the military aircraft of the United States and Russia have become routine, creating the potential for an unintended conflict. Many of the nuclear-weapon systems on both sides are aging and obsolete. The personnel who operate those systems often suffer from poor morale and poor training. None of their senior officers has firsthand experience making decisions during an actual nuclear crisis. And todayâs command-and-control systems must contend with threats that barely existed during the Cold War: malware, spyware, worms, bugs, viruses, corrupted firmware, logic bombs, Trojan horses, and all the other modern tools of cyber warfare. The greatest danger is posed not by any technological innovation but by a dilemma that has haunted nuclear strategy since the first detonation of an atomic bomb: How do you prevent a nuclear attack while preserving the ability to launch one?
|The Christmas Truce of 1914 - '..what might have happened if the truce had spread and this had caused the war to end earlier..' (no replies)|| '.."What If," points out that he thinks â¦ and of course this is speculation, counterfactual history ... that if we had had no Russian Revolution, we wouldnât have gotten to that point where communism took over, no Lenin, no Stalin, there would be no Treaty of Versailles, mistreated Germany, therefore Hitler would not have had his cause to rise and no Hitler and Nazism and World War II..'|
'Deist: One thing thatâs so remarkable about the Christmas Truce is this whole question of what might have happened if the truce had spread and this had caused the war to end earlier or be somehow limited. Weintraub addresses this in his book. We may not have had the rise of communism, the Russian Revolution and Stalin and Lenin, we certainly would not have had Versailles. As a result, we might not have had Hitler or Nazism or maybe even FDR. I mean, itâs remarkable to think about, isnât it?
(Haptopraxeology) - '..We have lost three centuries as a result of ignoring our scholars!'
|weekly Diigo Post (weekly)|
|Comment on Credit FAQs: What Information Is on My Credit Report? by Money Matters Quiz: How Much Do You Know About Your Credit Score?||[…] to apply for a car loan, a mortgage, or credit card, you already understand the importance of the information on your credit report. Any blemishes, such as missed payments or accounts in collections, can negatively impact your […]|
|Around the Globe - FundaciÃ³n Todo Mejora supports LGBT youth|
Todo Mejora means âit gets betterââand itâs this message that the Chile-based nonprofit has worked tirelessly to advocate for. In the wake of continual LGBT discrimination around the world, FundaciÃ³n Todo Mejora strives to support the LGBT adolescents who face discrimination, including those considering committing suicide. Chile has one of the highest levels of suicide and school violence in Latin America. Itâs projected that if nothing is done, in four years, one adolescent in Chile will end his or her life Â nearly each dayâan astounding metric that FundaciÃ³n Todo Mejora hopes to change.1,2
Continuing Â with our series about impactful organizations using Google for Nonprofits tools, this week weâre highlighting how FundaciÃ³n Todo Mejora uses technology to spread its message and creates a safe space for these teenagers to find refuge in times of need.
Showing up when searching for helpâGoogle Ad Grants
By implementing a strategic campaign using Google Ad Grants, the nonprofit targeted Google searches common to suicidal thoughts such as âI want to commit suicideâ, âWho should I call if I want to kill myself?â, or âHelp me, I want to dieâ. When a local person searches this on Google, FundaciÃ³n Todo Mejoraâs ads show up to intervene with supportive messages, and provide links to resources to find help. One 19-year-old girl who found support from these ads said, "Amidst my depression, I Googled how to commit suicide. Your foundation, âTodo Mejora,â popped up in my search results. It made me smile and reminded me the reason to go on.â
These ads have allowed FundaciÃ³n Todo Mejora to save lives and navigate people to their website where they can find resources and support. As a result, website traffic increased by 20% in one year alone, which means the organization found a way to reach more people in need. This increase also prompted FundaciÃ³n Todo Mejora to expand their suicide hotline support to 30 hours/week up from 7 hours/week.
Spreading the wordâYouTube
To further increase visibility, FundaciÃ³n Todo Mejora created a YouTube channel where adolescents share their personal stories, which have helped create a community of support, coupled with the call-to-action overlays inspiring others to follow suit, take initiative, and send donations. In their most popular video, with over 62,000 views, Demi Lovato speaks out against homophobic and transgender bullying and encourages victims to reach out for help.
Storage & syncingâG Suite
FundaciÃ³n Todo Mejora now uses G Suite exclusively for all its day-to-day operations, relying on Gmail, Google Drive, and Google Calendar to work productively. The unlimited user accounts and 30GB of storage per user has saved them time and money that once went towards paying for other storage products. Now, they can save important data in a shared and collaborative space which has helped them streamline their processes, preserve historical documents, and improve communication.
With more time, funding, and organizational processes, FundaciÃ³n Todo Mejora can focus on expanding their support for youth in need and the LGBT community. Read more about their story on ourÂ Community StoriesÂ page on ourÂ Google for NonprofitsÂ site.
To see if your nonprofit is eligible to participate, review theÂ Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enrollÂ here.
Footnote: Â Statements are provided by Nonprofits that received products as part of the Google for Nonprofits program, which offers products at no charge to qualified nonprofits.
1 OECD (2016). Low Performing Students: Why They Fall Behind and How To Help Them Succeed. PISA. OECD Publishing. Paris
2.Ministerio de Salud de Chile (2013). SituaciÃ³n Actual del Suicidio Adolescente en Chile, con perspectiva de GÃ©nero [Current Situation of Adolescent Suicide in Chile, with a gender perspective]. Programa Nacional de Salud Integral de Adolescentes y JÃ³venes. Chile.
|Improve your nonprofitâs account security with 2-step verification|
While online accounts allow nonprofits to easily communicate with partners, volunteers and donors across the world, this shared network can also leave your account vulnerable to intruders. As your nonprofit continues to grow its online presence, itâs crucial to keep confidential information (e.g., finances or donorâs information) safe. While passwords have historically been the sole guardian for online account access, research from Google has shown that many passwords and security questions can easily be guessed. That's why we strongly recommend that all nonprofits using GSuite for Nonprofits, or Google products like Gmail, use 2-Step Verification (2SV) as an additional protection on their account(s).Â
Account hijackingâa process through which an online account is stolen or hijacked by a hackerâconstitutes a serious threat to your nonprofitâs operations. Typically, account hijackings are carried out by phishing attempts or hackers who guess weak passwords. Because of this, itâs especially important for your nonprofit to maintain strong and unique account passwords to keep sensitive data safe.
But 2SV goes beyond just a strong password. It's anÂ effective security feature that combines "something you know" (e.g., a password) and "something you have" (e.g., a text, a prompt, or a Security Key) to protect your accounts. Think of this like withdrawing money from an ATM/cash machine: You need both your PIN and your debit card.
Now that you know what 2SV is, head over to our Help Page to start improving your nonprofitâs online security now. (Quick tip: Remember to keep your account settings up to date and configure backup options to use if your phone is ever lost or stolen). Stay safe, nonprofits! Â
To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more at no charge. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enroll here.
|Unlocking G Suite for Nonprofits: Improve internal workflow and communication|
Whether you have a team of five or 500 a seamless, collaborative workflow is critical in the digital age. Our goal is to make sure that your nonprofit is able to focus on changing the world by using technology to save time -- not waste it. In the digital age though, information sharing can often be complex; your team might not work in the same office, or even the same timezone. Some team members might be in an office with computer access, while others are in the field on mobile devices. Who from your team should be able to access confidential documents?
This brings us to a key question: How do you empower team members to work together towards a common goal, and use technology to enable it?
Great question. Weâd like to introduce you to G Suite - (formerly Â Google Apps for Work ). G Suite aims to help teams work together in real-time -- no matter where they are in the world.
Today, weâre spotlighting a few nonprofits to share how their teams Â are using Google tools and apps to improve workflow and internal communication.
Mercy Beyond Borders - Internal Communication with Sheets & Sites
Mercy Beyond Borders (MBB) is a U.S. nonprofit that aims to forge opportunities for women and girls in extreme poverty to learn, connect, and lead. Utilizing a small office in the U.S. as home base, MBB targets rural areas in Haiti and South Sudan. In both of these areas, cultural norms and poverty prohibit full participation of women. In fact, these areas offer minimal education and opportunities for employment, which often Â impedes the development of leadership skills or positions. Mercy Beyond Borders focuses its programs on providing trainings, scholarships, leadership camps, and business loans for women.To achieve their mission, Mercy Beyond Borders faces the challenge of balancing US-based operations with field work in remote areas like South Sudan and Haiti. Their nonprofit partners range from large organizations to local schools to individuals. So how does Mercy Beyond Borders ensure that all staff, vendors, and partners stay connected and working together in sync?
Mercy Beyond Border began using G Suite to streamline its workflow, connecting their team across the globe. Using G Suite, MBBâs team is able to access, share, and collaborate together in real-time. Take a glimpse into how they do it:
âIt [G Suite] helps to better connect, engage, and keep Board members up-to-date in between meetings, or Â if they are unable to make a meeting (in which case they can view the Meeting Archives page),â said Adrienne Perez.
MyFace - Increasing productivity and improving internal workflow by remote access
Established in 1951, MyFace was founded to address the medical, surgical and psychological needs of those living with facial deformities. The organization offers access to care and treatments --- regardless of the severity of the anomaly, the length of treatment, or the familyâs ability to afford care. In America alone, 1 in 650 children is born with an facial cleft. Every year, MyFace helps more than 1,000 patients seek treatment. Of this population, 85% are children, 70% live in poverty, and 95% require long-term care. The costs involved in this are high and verges on insurmountable for low income families. With this in mind, MyFace ensures that all children receive highest quality interdisciplinary and comprehensive reconstructive care by doctors who provide their services pro bono.
As a small nonprofit (their staff of eight including their therapy dog, Bentley), employees are required to perform a variety of different tasks. On any given day, team members might be responsible for website design, grant proposal writing, and marketing strategy. And oftentimes, what one employee starts today is Â picked up by another employee tomorrow. Because itâs often all-hands-on-deck, collaboration is particularly key for MyFace.
Our mission of changing faces and transforming lives can be fulfilled with the help of technology from G4NPCarolyn Spector Executive Director MyFace
To address their challenge, MyFace began using Google Drive to centrally store, access, and share information from anywhere at anytime. Drive helped decrease the amount of time that MyFace spends on administrative tasks, like sending documents back and forth or working with out-of-date data or information. Driveâs tools like Docs and Sheets enable the team to collaborate both in and out of office.
MyFace also deals with an overwhelming amount of data and information. The team needs this data to not only be easy to store, retrieve, and share â it needs to be secure, since it contains confidential and personal patient information. G Suite offers that as well, ensuring that all information is kept private and secure. (Want to know more about G Suite security and how safe they really are? Read more about it here).
âOur mission of changing faces and transforming lives can be fulfilled with the help of technology from G4NP because it offers invaluable resources to nonprofits of any size at no cost,â stated Carolyn Spector, Executive Director of MyFace.
Having global teams of different sizes with varying access to technology can make timely communication difficult, if not impossible. While nonprofits like Mercy Beyond Borders and myFace strive to accomplish unique missions, both organizations are passionate about changing the world. And about using the right technology to help. Utilizing tools like G Suite has been key for nonprofits like these in order to improve internal workflow and communications. For Mercy and my Face, making information shared, up-to-date, and secure has been crucial for navigating the Technology Age.
Interested in learning more about the tools available to your nonprofit? Check out our website to see how G4NP can help your nonprofit with real-time, up-to-date communication and data sharing.
To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enroll here.
Footnote: Â Statements are provided by Nonprofits that received free products as part of the Google for Nonprofits program, which offers free products to qualified nonprofits.
|A nonprofit's guide to online security: So you want to learn the lingo?|
This year marks the 25th anniversary of the World Wide Web becoming publicly available. For many of us, this is a reminder of just how much the Internet has transformed our daily lives. This rings true for nonprofits too: The Internet has revolutionized the way that nonprofits communicate, fundraise, and recruit volunteers. It has enabled nonprofits like yours to share their mission with a global audience. To raise awareness. And to change the world.Â
But the power of the Internet also comes with great responsibility -- namely the need to keep information safe and secure.Â As a nonprofit, it can be difficult to keep up with online security, especially when terminology seems complicated. Yes, you might have heard of terms like âphishingâ or âcookies,â but what do they mean?
Today, you can find the answers to your questions with our quick & easy to guide to online security terminology. In less than five minutes, youâll be well on the way to helping keep your nonprofit safe on the Internet.Â
Letâs get started! Hereâs a quick guide to familiarize yourself with common lingo and learn how to distinguish terms that are friends vs foes in the online security realm.Â
THE BAD GUYS: MALICIOUS ACTIONS/TERMS
THE GOOD GUYS: ONLINE SAFETY TERMS
Thatâs a wrap for now! Pass on these tips to your nonprofit partners to stay safe and secure online, so you can focus on what matters most: changing the world.Â
To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more at no charge. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enroll here.
|From LA to Tokyo: YouTube Spaces opens production studios to nonprofits free of charge|
We know that having a physical space to do your work matters, but itâs not just about where you work â itâs about what you create there. So today, weâre announcing special access to YouTube Spaces, YouTubeâs global network of production studios, for eligible nonprofits to learn, connect, and create great content for YouTube.
Given that Google was started in a garage, weâre more than familiar with the limits of physical space. As a nonprofit, it can be difficult to find access to great spaces for video production, especially when time, location, and money are constraining factors. As a result, space often becomes limiting, rather than limitless, to producing great content on YouTube.
From LA to London, Tokyo to Mumbai, Berlin to SÃ£o Paulo, YouTube Spaces empower nonprofits by providing them exclusive access to the best production resources around â all at no cost.Â All enrolled nonprofits with 1,000 or more subscribers are now eligible to apply for production access at YouTube Spaces.
But weâre also offering more than just physical space. In addition to our state-of-the-art production facilities, YouTube Spaces brings together creatives of all stripes. YouTube Spaces offers nonprofits opportunities to learn new skills through live workshops, as well as collaborate with the YouTube community through events, panels, screenings, and more!Â
Donât know where to begin? Once enrolled in and approved by YouTube for Nonprofits, start with theYouTube Creator Academy. From there, nonprofits can take advantage of the workshops offered by YouTube Spaces to establish a successful foundation on the platform. From lessons on building your channel to learning physical production, these workshops will help your nonprofit define its strategy and engage subscribers. Then, itâs time to get the cameras rolling!Â
Get out of your garage, and get ready to create something amazing. After all, spaces are not just about where we we work -- itâs about what we create there.
Find out more about the YouTube SpacesÂ here.Â
|Introducing new donation tool on YouTube benefiting nonprofits|
YouTube has over a billion users. Thatâs almost one-third of all people on the Internet. And everyday those users watch hundreds of millions of hours of video, racking up billions of views â which are now billions of opportunities to do good.
Weâre excited to announce a brand new tool that U.S. nonprofits can utilize â donation cards on YouTube! Donation cards make it even simpler to raise money for your cause by allowing your viewers to donate directly from your YouTube video. Even better â Google covers the processing fees, so your organization will receive 100% of the money donated. Donation cards on YouTube are currently available for U.S. nonprofits and creators, but we look forward to expanding into other countries, so nonprofits and creators can digitally fundraise across the globe.Â
Using donation cards, YouTube creators can also now raise money through their content to both support your cause and make their videos more impactful! Donation cards for creators in the U.S. enable their subscribers and viewers to donate directly from their videos. Creators can choose any United States, IRS-validated 501(c)3 public nonprofit organization.Â Your nonprofit will receive 100% of the money donated.
Want to see donation cards in action? Check out this video from Madison Beer.Â
Now itâs your turn. To help you get started, weâve put together anÂ outreach toolkitÂ â including email templates, social media templates, and fundraising best practices â to help your nonprofit share the news about donation cards with your supporters and other YouTube creators. With these tools, we hope youâll empower as many people as possible to learn about your nonprofit and fuel fundraising on your behalf.Â
To see if your nonprofit is eligible to participate in the YouTube for Nonprofit Program, review theÂ Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enrollÂ here.
If you are a U.S. nonprofit looking to add donation cards to your YouTube videos, learn moreÂ here.
If you are a U.S. YouTube creator looking to fundraise for your favorite cause, learn moreÂ here.Â
Nonprofits aren't endorsed by YouTube or Google
|Brands of food processors||Now, letâs talk about the brands a bit, and why itâs so important to buy the best food processor on the market to fit your needs. Food processors donât come cheap thatâs a fact. Well, good ones at least. And if you get one for some change money, it probably means you wonât get far at processing actual food with it. They are also very intricate pieces of machinery, so itâs not easy making them cheaply. Itâs rather impossible, I would say. Iâm sure I donât have to tell you that buying the famous brand food processor is the best...|
|Your weekend: Meganâs Body, Meatballs or Matt Damon?||That’s not to say that you won’t be so anxious about entertainment that you’ll sit idly by and wait for the Emmy’s on Sunday (by the way — any thoughts on best comedy: Entourage, Family Guy, How I met Your Mother, etc? Or dramas: Big Love, Breaking Bad, Lost or Mad Men/ My money’s on … |
|Western Union Partners With Liverpool FC||The Western Union Company and Liverpool FC have announced a multi-year partnership for the global payment and money transfer service company to become an Official Principal Partner and the Official Money Transfer Partner of the famed football (soccer) club. As the âOfficial Money Transfer Partner,â the company will use its âglobal cross-border digital transfer and...|
|Credit Report Monitoring Service - Get Your Free Credit Report And Score And Get Some Peace Of Mind!||GoFreeCredit.com are a credit report monitoring service. You can obtain FREE access to your credit report and even your credit score. You are are able to request a free copy of your credit report once a year from each of 3 credit reference agencies - Equifax, Experian and TrasUnion. However, getting your credit score is not as easy!|
GoFreeCredit.com allow you sign up for a membership which includes the professional monitoring of your credit file and reports. You can sign up to receive automatic e-mails and text alerts should there be any activity whatsoever on your credit file. Perhaps an existing lender may have carried a credit search on you to see if you are eligible for a new mortgage or loan product. However, were you aware that excessive activity on your credit file can be detrimental to your credit score?
Did you know that identy theft costs millions of people and financial institutions billions of dollars every year! By having an efficient credit report monitoring service in place, you can detect the signs of identity theft early. Most people are blissfully unaware that someone may have stolen their social security number and their identity. Many thieves set about opening accounts either to launder money or borrow against your good name. This can take months or even years to notice and can ruin your good name and cost you plenty of money as well. NOT if you have access to a credit report monitoring service.
GoFreeCredit.com offer a free trial period for you to test their credit report monitoring service. Once you order your free credit report you will automatically be enrolled into your free trial of credit monitoring. You will then receive automatic notifications of any changes made to your credit report. Should you wish to continue using the credit report monitorng service once your trial period has ended you will be billed $14.95 a month. However, there is absolutely no obligation to continue using the service after your free trial period has finished - You can cancel your membership at any time.
Click Here To See Your Free Credit Report And Credit Score
|How to Improve My Credit Score After a Default?||Firstly, it is great that you are looking to improve your credit rating. We can all be irresponsible with our money at times. The trick is to learn from your mistakes and understand what you need to do to move forward. I'm sure many of you have asked the question, "How To Improve My Credit Score After A Default", so let's try and answer that for you.|
It may not be something you want to hear initially, but often time is the greatest healer when it comes to improving your credit score. In the main, a default will show on your credit file for up to 6 years. This, of course, will severely impact on your ability to secure credit. However, it must be said that there are lenders out there that will lend to applicants with a default. Although, you must be aware that you will undoubtedly be charged a higher rate of interest for credit, than if you had a clean record.
You have the opportunity to check your credit reports for free once a year. So make sure you take advantage of this. Check that your records are up to date and free of any errors. You will find the longer that you have lived at your current address or the longer you have been with your current employer, will have a positive effect on improving your credit score after a default.
During the times that you don't require any credit, please ensure that you keep your finances intact. Always try and stay within your agreed overdraft limit and look to pay your monthly repayments and bills on a timely basis. Any potential lender will always look at your most recent credit history. Even if you have a default registered and a low credit score, the way you manage your accounts after the event will have certain repercussions. By making repayments in full and on time, this will help to improve your credit score and will also show lenders that you now have your finances under control.
There are many differing means and methods to improve your credit score. Don't ever think that having a default registered against you is the end of the world.
You may want to check out how high spending ex college student Chris Brisson went about raising his credit score by 135 points in 37 days. This was with defaults and late-pays registered against him.
|Are These Offers That Provide Unsecured Personal Loans For Poor Credit All They're Cracked Up to Be?||With the downturn in the world's economy, it appears more and more people now have a bad credit rating than ever before. You would think borrowing money would be more difficult now, but it seems this is when you become inundated with offers of Unsecured Personal Loans For Poor Credit.|
Are the companies and organizations that offer these deals, what they actually appear to be, or are they trying to hide some dark secret from you. In all honesty, if you have bad credit score, or defaults/judgements registered against or even a bankruptcy, you cannot expect to be offered the same terms and conditions as when you had a clean record. However, this does not mean that unscrupulous lenders should be able to take advantage of your situation by charging excessively high interest rates.
This is when it may be more appropriate to educate yourself in the way that lenders think, prior to approaching them for a loan. A program that i have recently reviewed is My Miracle Loans. My Miracle Loans is a program that teaches it's members a number of different strategies on how to approach a lender during these trying times. They promise that as long as you thoroughly research and understand the techniques they teach you, once you put them into practice, you are 100% guaranteed a loan.
My Miracle Loans have a different approach for every situation. There is no one method to use. Depending on your personal circumstances, they can provide help for you:-
- Bad Credit
- No job or income
- Very Low Credit Score
- Been turned down before
And not just Unsecured Personal Loans For People With Poor Credit, they can help you secure a loan or home finance for any purpose.
If you are struggling and not sure where to turn and you are looking for an Unsecured Personal Loan For Poor Credit, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
|Thanks For The Help Obama But Are You Willing To Pay $5000 For The Modification Of Your Mortgage?||Since the Obama Administration introduced the new Loan Modification Plans on Wednesday 4th March 2009, many people have gone about planning the changes to their mortgages.|
However, one stumbling block seems to get in everyone's way! The process of approaching your lender for the Modification of Your Mortgage usually requires a middleman. This is when the help of specialized attorneys, Loan Modification companies and professionals is required.
How much do these services cost you?
Well, you could be looking at anywhere from $1500 to $5000. Now, the way i see things, if you had that kind of money freely available you probably wouldn't need to approach your lender.
The actual plan of the Obama administration is to help out the 4 million plus Americans, who have either fallen behind with their monthly mortgage repayments or to those unfortunate enough to be facing foreclosure.
The help you will be offered is over a five year period. You mortgage principle can be reduced by up to $5000. Your interest rate can be dropped to as low as 2% and the term of your home loan can be extended up to a maximum of 40 years.
This certainly is a fantastic helping hand to those suffering financial hardship and looking to modify their mortgage repayments, but once again, you are faced with the fees and charges to get the ball rolling.
I knew it wouldn't be long before someone had to go through this whole process and then worked out a way of doing it for themselves! You are undoubtedly looking for no huge fees, no additional charges, just some guidance on how to approach the Loan Modification process. Hence the birth of the DIY Loan Modification Kit!
With the help of this kit, you can learn to:-
- Lower your interest rate and your payment
- Reduce the principal balance
- Convert to a fixed rate for peace of mind
- Have all late fees and charges removed from your record
- Stop the Foreclosure process
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
What have some of the people who have used the DIY Loan Modification Kit got to say:-
"Thanks to the Do-It-Yourself Loan Modification Kit I was able to save my home! I had to stick to it for 3 months and really put my head down, but it was well worth it in the long run. I will be the first one to say it wasn't easy, but if you are struggling to make ends meet, it is definitely worth it. I ended up with a 40yr term at 4.5% reducing my mortgage over $1000 per month! I talked to a loan modification company before I chose the kit, but they wanted $3,500 upfront. I weighed my options and for only $29.95 I knew exactly what I was going to receive! And If I couldn't get the loan modification done myself at least I had peace of mind that I didn't waste $3,500."
Ted Basil, Syracuse, NY
"We have been in our home for 3 years and I think we were given the wrong mortgage. We got behind, but your kit showed us how to make our lender listen! We are now in a mortgage that we can afford. Our entire family appreciates you and the information that you provide."
Paul and Brenda Keen, Danbury, CT
"I was over $10,000 behind on my mortgage. My rate had just adjusted to 13.25%! Using your kit, I was able to negotiate the following: 13.25% adjustable rate was taken to an 8% fixed!And, get this... the lender allowed me to have the $10,000 I was behind, rolled onto the back of my loan!My new payment including taxes and insurance, is $300 less than what my previous payment was, and that's not including the taxes and insurance!!!
Thank you, Thank you, Thank you!"
Vivian Stephens , Dallas, TX
Click Here For More Info On The Do-It-Yourself Loan Modification Kit
|Debt Consolidation Loans Can Resolve Bad Credit Debt||Replacing several high interest loans or credit cards with one consolidation loan can not only lower your monthly payments, but also save you money due to the lower interest rate on the new loan.|
Look at the rates you are paying on your unsecured debts, i.e. credit cards with a rate of between about 13% and over 35%. These are obvious replacement loan candidates. Auto loans and store credit cards are other loans that should be paid off.
If you can get a second mortgage or refinance your current first mortgage, use these funds to pay off these unsecured loans. You should be able to currently save several thousand dollars in interest payments alone. I am assuming a total loan amount above the home debt to be about $20,000.
The other advantage to this plan is to reduce your monthly payments by a substantial amount. This also should allow you to gain a payment schedule that you can easily meet and even reduce quicker over time. Make sure you can pay off this new loan with extra payments with no penalty. It is a good place to put some of that extra money you have each month.
This idea also takes some solid research on your part. All banks and mortgage companies do not operate the same way. Also you want to find the best rate you can get for your debt structure.
Look to these sources for your consolidation loan: Local banks, local mortgage brokers, and the newest provider for these loans, the internet loan providers. There are many companies fighting each other to make these loans to folks like you. Take advantage of your popularity.
Sometimes, debt consolidation companies can discount the amount of the loan. The debt consolidator will buy the loan at a discount, usually when in danger of bankruptcy. The wise debtor can easily shop around for consolidators who will pass along some of the savings. Consolidation usually affects the ability of the debtor to discharge debts in bankruptcy. Itâs prudent to weigh this decision rationally.
Take your future in your own hands and make this happen for your financial health. Saving money and paying off your debts faster will open your life to a freedom you have not enjoyed for a long time. A family with minimum debts has eliminated a potential family problem and replaced it with freedom. Do your self a favour and become debt free.
|How to Finance Your Car With Bad Credit||Have you been searching for somewhere to finance your car with bad credit? In this day and age everyone either needs, wants or has a car. Gone are the days when a car was considered a luxury item. A car is definitely a necessity for most. However, due to your poor credit history, no lender is willing to help. You have even approached your own bank and they have shut the door firmly in your face.|
This is when your search to finance your car begins. Although there is a vast array of lenders available, you need to be very careful. I'm sure you have heard many horror stories of people borrowing money and then being held to ransom by the lender. Once they have gone through the reams of small print, they discover that they will need to pay back up to 10 times the amount they borrowed. This, unfortunately, leads to further debt., which in turn can worsen your credit rating and eventually lead to bankruptcy!
Fortunately, this is where certain companies and organizations have evolved to help you. They are intermediary organizations, who will do all the leg work for you. They understand having bad credit can be a difficult time and will provide you with everything you have been looking for. They can show you how to finance your car, even with bad credit. Usually these companies have a huge list of lenders on their books, who are willing to help people in your situation. They can also provide online support and even have access to many unknown government resources. You will usually have to pay a very small one-time fee to get access to this information and remember i said very small!
You can still Finance your Car With Bad Credit, but you will just need to be wary. This is why i believe these intermediary companies are actually a blessing in disguise. The majority of lenders on their books can give you that auto loan online, at a price you can afford. In most cases your auto loan can be agreed and set up within a matter of days.
If you urgently need to Finance Your Car With Bad Credit, then it is time you visited one of these intermediary companies. Click Here to find out exactly what others in your situation are doing and secure that car loan today.
|Who Else Has Bad Credit, Can Put No Money Down, & Needs a Mortgage?||There are countless home loans and mortgages available to people with bad credit who are unable to put any money down as deposit. As someone who is new to the home buying process, you may be totally unaware of what help is available to you.|
The sub-prime mortgage market is open to homebuyers with a poor credit history, those who have been made bankrupt or have even faced foreclosure. These types of lenders specialize in securing home loans for those who are struggling. Another fascinating fact is that many sub-prime lenders may be able to offer more favourable terms and interest rates than a conventional mortgage lender.
Two of the types of products that these lenders can offer are 100% financing and also 103% finance. The 100% finance mortgage is intended for those who have no money to put down and need to get their foot on the home buying ladder. This is also a great way for you to demonstrate that you have the ability to pay your monthly repayments in full and on time. This, of course will help to rebuild your poor credit rating. In most cases to secure a 100% loan you will be required to have a credit rating of least 580.
The 103% financing is aimed at people who not only have no money to put down, but require assistance in paying the associated costs and fees with your mortgage. In order to secure the 103% service, you will be required to have a minimum credit score of 600.
Even though having Bad Credit and no money to put down may seem like the end of your dream of securing a mortgage, it need not be.
Take this opportunity to see what others who have bad credit, can put no money down, but need a mortgage, have done.
Perhaps you need to improve your credit score first. In that case please grab a copy of your Free Report on the 6 Deadly Credit Repair Myths.
|Discover Who Can Find a Bad Credit Loan Today||It's a familiar story, you find you have bad credit and you desperately need a loan today. You have tried the more conventional methods, but no lender is willing to give you a chance. This only makes matters worse. You are struggling to meet the monthly repayments on your bills and you have absolutely nowhere to turn. This is when you really need help and advice.|
My Miracle Loans is a program that has been designed to help people in your very situation. So who can My Miracle Loans help to Find A Bad Credit Loan:-
- Those of you who have no job or cannot prove your income - let's face facts, if you had money, you wouldn't need urgent help. This is why they will help you secure a loan without having to provide numerous payslips and bank statements.
- People who have a poor credit history or a low credit score - there will be no credit checks, so this will have no effect on your ability to borrow.
- Those who have been made Bankrupt - This program has been created to help shed some light. You will discover methods to secure finance even when bankrupt that have been hidden from you for many years by lenders.
- You have no assets or collateral - This system is not about what you have to offer a lender in return for a loan. You will not be required to prove anything.
Even if you have been turned down before My Miracle Loans can help you find a bad credit loan today.
If you are struggling and not sure where to turn and you are looking to Find A Bad Credit Loan, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
|Do You Have A Poor Credit Rating But Desperately Need A Loan?||Are you someone who feels completely helpless because you have a poor credit rating and can't seem to get a loan? Being able to secure a loan would actually solve your credit problems and see you on the road to recovery. However, because of a poor credit history or poor credit rating, no lender in their right mind would ever consider you for a loan!|
I'm sure that is a very familiar story for many of you. I know myself it is one of the worst feelings that you can ever have. I recall the days of having a fairly decent job and being offered credit left, right and centre. I'm not sure why, but I pretty much accepted all the offers of credit cards or loans. I think it was something to do with the âkid let loose in a sweet shopâ scenario. The repercussions never really occurred to me at the time, so I continued to take out credit card after credit card and loan after loan.
If you can't wait any longer to secure a loan then Click Here to register for the "My Miracle Loans" program right now. For those of you who wish to read my story and review, you can access the program at the end of this article.
I think the effects of what I was doing finally hit me a few years down the line. I started to use less and less credit every month and tried to act a lot more responsibly. However, I had got to the stage where my minimum repayments for all my credit was pretty much the same amount as what I earned in a month. I once read a magazine article that stated â in order to repay $10,000 on a credit card, by just making the minimum payment, this would take up to 12 years. Wow! Unfortunately it wasn't just the one credit card I had to repay!
That's when it dawned on me that I had to do something...and quickly. After some careful investigation, I decided a debt consolidation loan and a couple of 0% APR credit cards was the way to go. I had racked up a total of $26,000 in debt. I looked at my current credit card limits and assumed I wouldn't get offered more than a $5000 dollar limit on a new credit card. So my plan was to apply for two 0% APR credit cards and a $16,000 loan. This would allow me to cut up all my credit cards and have all my debts cleared within 5 years. Or so I thought, I didn't count on getting declined for every bit of credit I applied for. My credit score was shot and at an all time low!
That's when I started searching for different methods and other forms of help. Nothing illegal, of course. I just thought to myself, I can't be the first person to find themselves in this situation and I definitely won't be the last! I actually found a total of 8 different companies, courses or websites, that said they could help and even provided me with testimonials of previous satisfied customers. Today I want to talk to you about My Miracle Loans.
My Miracle Loans is a program that will teach you a number of different strategies to obtain a loan. They advise you to read through their techniques and apply what you have learned. My Miracle Loans guarantee a 100% success rate, as long as you carry out their systems and procedures to the letter! They have helped people, like you and me, those with poor credit ratings, bad credit and even bankruptcies to secure credit and finance. My Miracle Loans are responsible for helping their members acquire over $10,000,000 in loans during 2008. They also claim to be able to help anyone secure a loan of $1,000 - $1,000,000 within 7 days! (Although it's very tempting, I think I will always steer clear of the possibility of securing a loan for $1,000,000!)
So what type of people can My Miracle Loans help:-
No job or proof of income â Obviously if you have a lot of money, you wouldn't need their help! You will never be asked for proof of income or to provide evidence of your income.
Bad Credit, No Credit or Slow Credit â There are absolutely no credit checks for some of the methods you will learn. So a poor credit history will not effect the outcome.
A FICO score of 450 â That's Bad! As mentioned above, many of methods you will learn do not require a credit check. So you're covered.
Bankruptcies in the last 7 years â My Miracle Loans dispel the myth that if you have been made bankrupt, you will not be able to borrow any money for up to 7 years. They can show you the exact methods to secure a loan or credit.
No Collateral or Assets â Their system has nothing to do with what worldly possessions you own. You will not be required to provide proof of what you do or do not own.
Been turned down before - Not a problem. These methods will still work for you.
I think that comprehensive list just about covers everyone. My Miracle Loans had quite clearly stated that not all the methods and techniques will work for everyone. Not all individuals are the same. This is why they have provided you with numerous different methods to try. If you do not get accepted for one, you move on and try the next one. They have an iron-clad guarantee that EVERYONE will find success with their program.
So for what purpose can you use the loans that My Miracle Loans will help secure for you?
Business loans â Whether you are purchasing a business, looking to expand or you need supplies. They will help you get whatever you want.
Cash Advance â Do you need a pay-day advance for your job? No problem you can secure that cash advance within 10 minutes!
Car Loans â You can get that luxury car of your dreams and you don't need the salary to match.
Student Loans â This is where my problems originally started. There are many students out there, who are yet to even start college, that may be affected by poor credit.
Debt Consolidation â If you need that peace of mind. Turn all your debts into one loan and make the monthly repayments easier to handle and keep track of.
Home Loans â You have no fear of being turned down, no matter how much you want to borrow. My Miracle Loans guarantee to help you find that dream home.
Personal Loans â A personal loan is usually determined and granted by you having a great credit score. My Miracle Loans will help those of you, who are not in a position to boast about your credit score!
So let me run through the main benefits that My Miracle Loans offer:-
100% success rate â As long as you carry out their instructions correctly, you will never be turned down again for a loan.
Take up to 30 years to repay the money â In many cases, lenders may penalize you for not paying back money as soon as you can. This is not the case with My Miracle Loans.
Receive your cash in 7 days guaranteed â This doesn't have to be a long drawn out process. My Miracle Loans will guarantee that you will receive your money in 7 days or less in the majority of cases.
Use your money for any purpose â as described earlier.
No upfront fees â Paying a company to lend you money does not seem ethical...does it?
Ease of use â this is not a complicated guide on how to write loan proposals or where to find investors and this is definitely not an outdated list of lenders willing to help people with poor credit secure a loan. This is a program that allows you access to many little known and closely guarded techniques.
So what's the catch? There is no catch! My Miracle Loans program will work for you no matter who you are and what your situation may be.
There is little more I can add about this great program. If you find yourself in the situation of having a poor credit rating and you desperately need a loan, you need look no further.
You have absolutely nothing to lose and everything to gain by registering with this fantastic program.
Click here to get started and acquire that loan that will ease all your money problems today.
|Who Else Wants To Know How To Raise Their Credit Score?|
Or Read On And Collect Your Free Report At The End Of This Article
Have you ever asked yourself, "How Do I Raise My Credit Score?" Over the years you may have racked up numerous debts. These may include, loans, credit cards and mortgages. As your debts increase through constant interest charges, things seem to get a little harder month after month. Perhaps, you have been unfortunate enough to miss some payments. This, regrettably, has the knock-on effect of additional late-payment charges and will eventually ruin your credit score.
The problem is, once you hit the rocky road of having a bad or low credit score, creditors or lenders will look at you with disdain. Gone are the days of being instantly approved for any form of credit. You are now looked upon as a high risk and no-one seems willing to help you.
This is pretty much what happened to me. I had a fairly decent job and that had helped me to secure various forms of credit. It was never a worry to me then, as i always had enough money coming in to cover at least the minimum payments, if not more. However, eventually mounting interest charges or the end of a 0% credit card deal, started to have an adverse effect on me being able to continue making full and regular payments. I had even got to the stage of using one credit card to make a payment on another credit card. So even though i was making some form of monthly payment, i was increasing my debt at the same time. Not Good! This, ultimately ruined my credit score and brought it to an all time low.
I then started searching for professional credit repair agencies. I soon discovered that many of these agencies make substantial claims to improve and raise your credit score. However, the majority charge a King's ransom for the privilege and they don't seem to deliver on their promises.
This is when i came across Chris Brisson's "37 days to clean credit" course. Chris had been in the same boat as many of us before him. As a college student he had built up a total of $14,000 in student loans and credit card debt. He had a small amount of income coming in and started to miss payments. Chris had managed to get his credit score down to a horrid 520! Once again, like so many of his predecessors, Chris scoured every possible resource to improve his credit score. He eventually admitted he got scammed by these so called "professional" credit reference agencies. This is when Chris decided to do something himself about it.
Chris had made a few discoveries along the way. He then went about legally "stealing" some of top secret methods that credit reference agencies use to remove negative items, inquiries, judgements and bankruptcies. After 37 days, Chris had managed to delete 9 inquiries, 5 late-pays, 4 default accounts and 1 judgement. In the process, Chris boosted his score by 135 points to a respectable 655.
So what exactly does Chris reveal in his Course:-
- How to easily delete 30, 60, 90, 120 or 150 day late-pays from your file
- How to easily set up a budgeting system to track income, expenses and all your payments
- A little known secret technique to getting your credit card APR interest dropped to 0%
- How to stop the harassing collections telephone calls
- How to repair bad credit in less than 30 days
- How to boost your credit score by 50 points even if you have the worst credit in the world.
- How to stop foreclosure and then negotiate with your bank to lower your monthly payment by 10% - 20%
These are just a few of the methods that Chris will go through. There are just far too many helpful little techniques to mention here.
One of my favourite systems i learned from Chris, was how to reduce the interest rate of my current credit card. It was as simple as making a phone call. Mention that you have in front of you a competitors details and that they are offering a 0% deal for six months, which will then turn into a 8% rate. Chris advises to always be polite and state that you will be looking to balance transfer unless they can lower your interest rate. In most cases, the operator will speak to a supervisor, who has the ability to drop your interest rate. To threaten to leave (in a nice way) is the key! So simple, but effective.
Another invaluable source contained within this course, is the copy and paste letters. Chris has structured a number of letters to be sent to creditors depending on what form of credit repair you are looking to achieve. The letters are organized in such a way, that you simply need to insert your own personal details in the blank spaces.
In addition to the course, Chris offers an unbelievable 5 free bonuses. They would usually retail at a value of $757, but are yours for free, once you sign up to Chris's course. I absolutely loved world renowned credit card expert, Scott Bilker's Interest Annihilation Method. This is one of your free bonuses. Scott unveils how to get approved for 0% APR credit cards. Scott also discusses the secret language indicators to use when you speak to your creditors. (yes, it's all down to the actual words you use!) and his 3 step debt elimination strategy system.
So if you have finally had enough of the way that lenders treat you, it's time to do something about it! Chris Brisson has come up with a guaranteed program to help you get the credit rating you have always wanted. So let me just quickly run through what you will get, once you have signed up to Chris Course:-
- The complete "37 days To clean Credit Course"
- The Interest Annihilation Method Audio with Scott Bilker
- The Credit Millionaire System with Donna Fox
- Credit Repair Mystery with Brett Bruce
- 45 "Copy & Paste" proven Credit Repair letters
- Super Budgeting Video Walk through
Don't forget to grab your Free Report on the 6 Deadly Credit Repair Myths as well.
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|The Secret Strategy Behind Instant Approval Credit Cards For Bad Credit||Do you remember the days of Instant Approval Credit Cards For Bad Credit? Lenders were queueing up to authorize loans and credit cards for people and it didn't seem to matter how good...or bad your credit rating was!|
Well times have changed. Now that the world economy is stuck in a deep and difficult financial recession, Instant Approval Credit Cards For Bad Credit seem to be a thing of the past.
This is not altogether true. There are a number of financial companies within the marketplace who are looking to help clients who are unable to borrow money elsewhere. The problem with many of these companies though, is they want to charge outrageous interest rates and levels of monthly repayment just for you to secure some credit. It's almost as though these companies are trying to hold you to ransom!
However, it now appears that many intermediary organizations are springing up to help you in your search. These companies usually charge a very small one-time fee and then allow you access to their database of lenders, as well as providing online and telephone support. They can place you with a lender who will provide Instant Approval Credit Cards For People with Bad Credit and at an affordable price.
The outcome for you is two-fold:-
1) you have finally managed to secure the credit card that you have been searching high and low for.
2) As long as you maintain your monthly repayments and pay them in full and on time, you are also repairing your credit history, thus meaning a wider range of lenders may be available to you in the future.
These companies are a god-send for you if you are struggling with your monthly bills. Sometimes you just need and want someone to listen to you - just being approved for a credit card or loan could improve your current financial situation no end and bring an end to those sleepless nights.
Do you urgently need to get Instant Approval Credit Cards For Bad Credit Now? Or perhaps you would like know how to secure Personal Unsecured Loans For Bad Credit.
|The Secret Behind How To Buy A House With Bad Credit||Let me guess, the question "How To Buy A House With Bad Credit?" has been playing on your mind for a long time now.|
It seems every one around you is getting on the mortgage ladder and leaving you behind. You know being able to put a deposit down and being able to afford the monthly mortgage repayments is well within your financial capabilities, but unfortunately no mortgage lender will even look twice at you because of your credit history.
Well actually lets face facts, that's not strictly true. You do have the occasional lender who contacts you and is more than willing to lend you the money that you need. However, let me guess, they want to charge you an extortionate rate of interest and the monthly repayments are unbelievable. So what do you do?
It now appears that there are many intermediary companies with mortgage lenders on their books who are willing to help you in your quest. These companies will normally charge you a very small one-time fee..and i mean small! Once you are on their books, they will provide you with online and telephone support and a huge database of mortgage lenders willing to help you in your plight and show you how to a buy a house with bad credit.
The great thing about this is the mortgage lenders will look to secure a home loan for you and it won't cost the earth. Once you have that all important mortgage in place and are committed to making your monthly repayments, this in turn will help to repair your credit rating, thus meaning a wider range of creditors will be available to you in the future.
How about if you need to Refinance Your Home With Bad Credit? Is that any different as you already own your own home?
|Can You Get Guaranteed Loans For Bad Credit?||Is there such a thing as "Guaranteed Loans For Bad Credit"?|
Have you ever found yourself in that situation? - Where your debts are continually mounting up, all of your creditors are phoning you every other day and you're unable to find a real solution to your problems!
That's when you find something financially challenging and unexpected comes along and gives you yet another huge problem and forces you into frantically looking for some immediate funds. However, you can't afford to pay for what you have now, you're in trouble with your creditors and no credible lender is going to look at you.
That's when you start to become inundated with calls and adverts for people who offer Guaranteed Loans For People with Bad Credit. The problem being they are going to charge you the most extortionate of interest rates and monthly repayments.
So where do you get that fast injection of cash?
There have been organizations created to actually make this search far easier for you. They usually provide you with a membership and then issue you with a substantial amount of information via a huge database of lenders willing to help and give you that all important loan.
Usually you will have to pay a small one-time fee..and i mean small, but this will not only give you access to this huge database of lenders, you should also be provided with online or telephone support and also many unknown government resources to help you obtain a loan.
Most of the lenders on the database will offer guaranteed loans for bad credit or even a bankruptcy. The lenders are willing to lend money for almost all purposes whether it be Auto Loan Financing, Personal Loans, Mortgages or Credit Cards.
If you absolutely have to get that loan today and you're still unsure how to get Guaranteed Loans For Bad Credit, then Click Here immediately to learn what other people are doing to get approved.
|Business in Buffalo|| |
Allot was accomplished while back in Buffalo over break. Some of it was already mentioned on facebook but this is where I can do some less official ranting.
So what I want to talk about is doing business in Buffalo. Iâm sure allot of people have heard horror stories about working with in the city limits. I know for years people donât me, donât even bother if youâre not in the old boys club you canât get anywhere in the city. My experience was completely the opposite.
We had narrowed our search into the Black Rock area. I think itâs really an area on the up and up. The people there are really passionate about the neighborhood and eager for business to come back. The success of the black rock bar and kitchen and delish are sort of the test beds. As Chippewa seems to be kicking out the college crowd there is going to need to be somewhere for all those older college students to go. Iâm not saying Black Rock should open clubs and go crazy, just that older crowd is going to be looking for somewhere new to go and that could be black rock without a problem. Elmwood can be a bit âhigh endâ and Buff State is right across the river. Honestly Amherst is going to be where itâs at.
Iâve had the pleasure to bounce around the country for the last couple of years. My position in the Air Force requires allot of traveling form base to base, and Iâve found the same formula in all the âup and comingâ urban places is the same.
Provide a service or good thatâs 100% better at 50% more cost. Itâs what Craft Beer is all about, but itâs also what the whole urban movement seems to be able. When I visit other cities and find something I think could be a knock-out in Buffalo I write it down or grab a menu. Sadly for all the great ideas there is only so much money, but the formal is the same.
Chefâs in Manhattan KS is one of the business restaurants Iâve ever been in. It costs about 50% more then Dennyâs but when you get Salmon Eggs Benedict, the $5 extra over a grand slam seems like nothing. Iâm not saying Iâve stumbled upon the Holy Grail or anything. Iâm just finding that it seems to be true across the whole of the United States. It might the âEuropeanizationâ of America. Thatâs a different topic so Iâll get back to Buffalo.
Where I wanted to get was armed with this formal and some really impressive growth numbers from Craft Beer the Councilmen Joe Golombek was willing to sit down for almost 2 hours with us, from that we got an audience with the City Office of Strategic Planning, Department of Labor, Tonawanda BOA, NYSBDC, SBA, ECIDC, NYSIDC. Iâm missing once person from that list so I apologize. Point being they weâre great to sit down with, tell them what we want to do, and offer some suggestions on how to go about it. I didnât run into some brick wall or have to cow tow to anyone to get this. I grew up 25 miles outside of the city, I went to School in Rochester. While Buffalo is my city, its not like I have a network. No Doubt Iâm developing one, and the other companies we work with have been paramount to that.
Allot of reasons and things like the $1,000,000,000 that state is talking about I honestly donât think is going to have nearly the effect it could have if it was $1 thousand million dollar grants or 10,000 $100,000 grants. The things about doing business in NYS being hard then other states. Thatâs absolutely true, the taxes are terrible, the bureaucracy is enormous, and the law suits plentiful. Despite all that Government workers are really trying to work around it and with it to get Buffalo back on top.
Point being is Buffalo wants to grow, and the real growth is going to be by small business making an investment in the city, living here working here making that lifelong commitment to the area. There isnât going to be a hand out from the government to get you started. Itâs going to be with the help of people in Buffalo and on your own labors. I encourage anyone whoâs thinking about starting to do
|Merry Christmas!|| |
Iâve been busy on all fronts the last month and have no posted here as I would have liked to. I really need to take a page out of CBWs book and do a stern 1 week update. Itâs never that there isnât anything to talk about. More an issue of, should some of it be spoken about in a public form.
Weâre trying to get a deal together on a building in Black Rock and the support from the community has been tremendous. I really canât say how great they have been to work with and weâre only pitching some ideas right now. The actually negotiations on the building have not been progressing as Iâve like. Hopefully Iâll have better news on that front by the 6th of Jan. If not Iâll like be forced to put everything on ice until I get back.
Speaking of getting back, Iâm leaving for a bit. The USAF finally have dates âset in stoneâ for deploying to Afghanistan. Theyâve told me that these ones are for sure so I will be out of the country for 10 of 12 months in 2012. Longer then original expected but it will help buffer some of the startup costs, and I should get allot less smack talk from the Army. (a value in its self). This will delay the start up by 9 months, why so much more? Winter, its allot harder to move equipment in, doing concrete work in the middle of winter makes things harder than it should be; so weâll wait for spring of 2013. Not what I want to do but what is necessary to do.
This week I also brought Dana Saylor of oldtimeroots.com to do some research. She has a pretty cool site and its interesting work. I havenât seen the finished product so I canât vouch for her as of yet, but I feel pretty good about it so far.
Lastly I promised more book reviews. I read a handful on my last few trips across the country. Just for a quick notes on them Iâll say if I liked them or not.
Great American Ale Trail: Its just a list of bars and a couple of lines about them. Itâs sort of a good reference and The Blue Monk in Buffalo was in the notable mentions section for NY. If youâre thinking about opening a beer bar up I would say itâs pretty good. Other than that I donât know anyone with the time or money to visit 1000+ beer bars in the country. Once we get New Buffalo Brewing, Iâll have my beer books on site so if someone wanted to stop in and check for a place feel free.
The Story of the Irish Pub: The begging with a history of the licensed trade was good, so about 70 pages of the book are good, the remaining 150, not worth it. Just little notes of where a bar is and who owns it. Over all very disappointing. If your going to Ireland it might be fun to stop into one, but thatâs about it.
In the Classic Beer Style Series, I picked up and read, Porter, Brown Ale and Stout. This series has been pretty fun to read, and for a serious home brewer Iâd recommend them They all are set up with a little history, some water information, a few home brew recipes and a list of examples that are current for the time it was published (the early ones are over 12 years old). This book are really great for someone looking to starting a microbrewer, to see how far the brewing world has come in a decade. Also as an American, to see how we have consistently tossed out style guild lines and made so many great new beers.
Porter was a really weak read, maybe if I hadnât already read the mild book it wouldnât have seemed poor.
Brown Ale was very good, tons of information on the different sub sets of Brown Ale and good information all around. So many beers in this style and information about most of them.
Stout has been the best read so far, The writer has a clear passion for stouts and has offered an immense amount of information on it, the different sub-styles and many references to Guinness. Iâd recommend this the most of any of them so far. I will put out the disclaimer that I too love stouts. If there is just one style of beer I could have itâs a thick cream stout.
This should have been spread out to a couple of updates, but with the holidays I donât know if I will get around to many in the next two weeks. Also one last pitch for buying our sweet gear for someone over Christmas!
|A Buffalo Church as a New Buffalo Brewery|| |
In Buffalo NY itâs hard to not be drawn to a church for a brewery right away. Itâs like a brewing palace. Beautiful surroundings, ceiling heights that are unmatched, since it was for people to gather the utilities are surprisingly low (several feet of brick and mortar are even better than 6 inch of fiberglass, the temp stability is amazing) and Buffalo has a bunch of extra churches right now that could use a, well use.
So whatâs the problem? They came in a couple of flavors (Sadly the flavors are like skunked Bud Light, and not a Buffalo micro-brew).
1) If the church is owned by the Papacy it cannot be used for a brewery, period dot. That takes out many of the primary candidates
2) Most of the churches need some repairs, the first church we looked at required over 500k in stabilization and another 400-500k in conversation costs. The second needs 300k, but the conversion costs were down to about 100k. That is almost the entire budget for New Buffalo. In this same category, if thereâs not a door I can get the tank thought I donât want to bust down walls to get them installed, thatâs not hard and fast just a bit of the preservationist that lingers.
3) A brewery falls under a M1 Zoning, churches are a C1, the first city councilmen I tried to work with refused to talk to me about it for several weeks before giving me a âI wonât actively try to stop you, but Iâm not going to help you in anywayâ kind of answer. The Councilmen Franczyk, whoâs district I wasnât working in was excited about the idea. In any case not being zoned correctly is another huge risk for use to undertake, a 6 month wait would bankrupt us in our first year
4) There is no equity in churches so the bank will not lend us money to fix a church for the most part. On top off that even as we pay down the merger costs of the church we canât barrow against it later own to expand like a normal building.
5) Preservation, on one hand it has some money we can tap into in, almost 50% of the stabilization or big repair costs could be deferred by public funds, however you have to keep the building the way the rules call for which in the case of the first building, we would have had the largest tasting room in the world (not proven but I donât know of any breweries with 12,000sqft of tasting space, and two levels with a stage in the middle)
6) Transportation, I need to be able to bring in semiâs, right now were planning on a grain bin for the pale malt, and I have to be able to get that into the building, also just in the first year weâll be moving a couple truckloads of beer a week. I have to be in a place they can get too.
To sum it up, were still looking for a church that could hold us but itâs not our focus anymore. Unless we received a grant for $1million it looks like itâs going to be a goal to expand too. I know the city has money like that, and that $5million went to the Staler. The city isnât going to trust a young guy like me, my background is Intelligence and factory work, not history building refurbishing.
This was a very long post, but I wanted to hit on it since several people have asked me about it. Chris Fetter has been a tremendous help, sending us updates when a non-Catholic church comes on the market. We hope this will work out, but we canât wait forever.
This post is in response an exchange with http://www.communitybeerworks.com/, on our facebook page http://www.facebook.com/pages/The-New-Buffalo-Brewing-Co/215182275168604
|AT&T Adds 2.1 Million Net New Customers In Second Quarter Of 2015|
AT&T recently announced that it has added 2.1 million net new customers during the second quarter of this year. Interestingly, almost all of the carrierâs new additions is attributed to strong sales of tablets, and to connected cars. As a matter of fact, AT&T has added one million new additions driven by tablets and connected cars in the period spanning April to June.
It appears that there is a visible shift in the makeup of AT&Tâs subscriber base, with a significant part of the new customer additions spurred by tablets and connected devices. Also, it seems that traditional subscribers -- i.e. those that use phones -- may be on the decline, at least in AT&Tâs case. It is also possible that such diminished growth from traditional phone customers for AT&T is connected to the increased pressure from competitors like Sprint and T-Mobile, who are only eager to usurp AT&Tâs place as the second biggest wireless carrier in the United States.
Earlier in July, T-Mobile had announced that it had added 2.1 million customers during the second quarter of this year. And just a few days ago, Verizon Wireless had revealed that it had gained over 1 million net new customers, and 1.1 million post-paid subscribers.Â
As for AT&T, it had added 410,000 post-paid subscribers, however the growth entirely consisted of 600,000 tablets. In the second quarter of this year, the carrier had lost about 200,000 basic phone subscribers. Still, AT&T was able to add 331,000 prepaid customers as a result of boosting its prepaid arm Cricket Wireless.Â
A new focus for AT&TÂ is in connected cars. The carrier is signing up with the largest number of automobile manufacturers in order to bring cellular connectivity to vehicles. But perhaps the more pressing question is -- will people actually pay extra money to connect their cars to a cellular network? The potential is there, but for now, it remains to be seen.Â
AT&T also managed to generate a profit in the amount of $3.04 billion, or $0.58 per share, during the second quarter of 2015. During the same period in the previous year, the carrier had a profit of $3.55 billion, or $0.68 per share. Not counting costs associated with its acquisition of two wireless carriers based in Mexico and its looming deal with DirecTV, AT&T managed $0.69 per share of adjusted earnings. Moreover, revenues increased 1.4 percent to $33 billion. As per data compiled by Yahoo, analysts predict, on average, revenue of $33.04 billion and earnings of $0.63 per share.
|Renting a dumpster â Dumpster Woodnbridg NJ|| â¢Renting a dumpster, finding a way to transport it and a place to dump the debris can end up taking more time and money than is necessary. What are you waiting for? Call 908-313-9888 now! Ask for Joe.|
|Renting a dumpster -Dumpster Somerset NJ|| â¢Renting a dumpster, finding a way to transport it and a place to dump the debris can end up taking more time and money than is necessary. What are you waiting for? Call 908-313-9888 now! Ask for Joe.|
|5 Best Joomla Security Extensions For You to Breathe Easy|
Apart from WordPress and Drupal content management systems, Joomla is the most popular CMS used all over the world to power websites of all sorts and sizes. Just like any other open-source CMS, Joomla powered sites also have to deal with hacking attacks. In fact, almost every day Joomla powered site encounter callous hackers who mutilate website pages, upload backdoors and steal or delete sensitive information. And sadly, most of the attacks cost website owners substantial amount of time and money in getting the damage fixed. And so, it becomes needful for website owners take all the possible measures into account that helps to strengthen security of their Joomla site.
In this post we have come up with a list of remarkably useful Joomla extensions that helps to secure your Joomla website.
jHackGuard is an extension designed by Siteground that helps to protect the websites of Joomla users from being hacked. The extension is made publicly available to Joomla site owners, irrespective of whether they're using Siteground hosting services or not. This extension is a blend of a security plugin (that does the system work) and component (that helps to handle configurations) â that helps to protect a Joomla site by filtering the user's input data and integrating more PHP security settings. But, the plugin is disabled so that filters don't prevent authenticated administrators from performing their administrative tasks.
jHackGuard is compatible with Joomla version 3 and higher. And so, if you want to protect your site security running on an older Joomla version, you can choose to download the appropriate versions of jHackGuard for the older Joomla versions such as jHackGuard for Joomla 1.5 or other.