Save Money on Holiday Travel

So many people travel for important holidays that you may be quite disappointed with the cost of it. There are great ways you can save money though whether you are traveling by plane, train, or bus to get to your destination for the holidays. It is essential that you book your travel arrangements early. You don’t want to be stuck without a way to get where you want to be for the holidays due to everything being sold out. You also want to take your time to compare prices. Continue reading “SAVE MONEY ON HOLIDAY TRAVEL GET LOWER PRICES”

STARTING A BUSINES ON A SHOEWTRING BUDGET HAS NEVER BEEN EASISER AS IT IS

NOW. CHECK OUT ALL THE OFFERS BELOW. YOU’RE PROBALY FINE 2 or 3 YOU’RE INTERESTED

IN. PICK ONE AND IN YOU WILL HAVE STARTED A BUSINESS. PLEASE BOOKMARRK THIS PAGE FOR

DAILY UPDATES. GOOD LUCK.

What is the current 1 year T bill rate?
Stats

Value from The Previous Market Day 4.38%

Change from The Previous Market Day -1.37%

Value from 1 Year Ago 1.55%

Change from 1 Year Ago 178.7%

Frequency Market Daily

Interest rates continues to be low but not for long. The Federal Reserve

have begun to tighten. Recent statements state an additional rate hike as early as

May 2023. With inflation still high the Federal Reserve is left with no choice.

What are the primary generations today?

Gen Z, iGen, or Centennials: Born 1996 – 2015.
Millennials or Gen Y: Born 1977 – 1995.
Generation X: Born 1965 – 1976.
Baby Boomers: Born 1946 – 1964.
Traditionalists or Silent Generation: Born 1945 and before.

How much did the Federal Reserve make in 2022?

The Federal Reserve Board on Friday announced preliminary financial information

indicating that the Federal Reserve Banks had estimated net income of $58.4 billion in 2022.

The Federal Reserve raising interest rates will earn even more in 2023.

PLEASE COMMENT

Paying down debt and cutting spending is a sure way to have more

money to invest. Government securities is a great way to invest with

little or NO RISK and in small sums.

Treasury Inflation-Protected Securities (TIPS) – TreasuryDirect

TreasuryDirect (.gov)

https://www.treasurydirect.gov › marketable-securities

As the name implies, TIPS are set up to protect you against inflation. Unlike other

Treasury securities, where the principal is fixed, the principal of a TIPS

Interest rate: The rate is fixed at auction and is

Maximum purchase: $10 million (non-competition

Interest paid: Every six months until maturity

Auction frequency: 5-year TIPS: Original issue:

How much do tips pay now?

The rate is fixed at auction and is never less than 0.125%.

What is the term of tips?

Treasury Inflation-Protected Securities (TIPS) are a type of Treasury security issued

by the U.S. government. TIPS are indexed to inflation to protect investors from a

decline in the purchasing power of their money.

What is the current 5 year tips rate?

5 Year TIPS/Treasury Breakeven Rate is at 2.35%, compared to 2.26% the previous

market day and 3.50% last year. This is higher than the long term average of 1.9

What is the downside of tips?

TIPS yield are often negative. Mainly because, after considering the effects of inflation,

the real yield is often negative. However, while the TIPS yield may be negative, your

principal value will increase with inflation to get a good total return on your investment.

Are I bonds better than tips?

TIPs offer comparable inflation protection relative to I Bonds at higher yields, a

significant advantage. TIPs are also somewhat riskier, more volatile securities, with

quite a bit of interest rate risk. Both asset classes are good investments, but

TIPs are slightly better, due to their higher yields.

Find out how to apply for VA health care benefits as a Veteran or service member.

How do I prepare before I start my application?

• Find out if you’re eligible for VA health care benefits
• Gather the information listed below that you’ll need to fill out an Application for Health Benefits (VA Form 10-10EZ)

You’ll need this information:

• Social Security numbers for you, your spouse, and your qualified dependents
• Your military discharge papers (DD214 or other separation documents)
• Insurance card information for all insurance companies that cover you, including any coverage provided through a spouse or significant other. This includes Medicare, private insurance, or insurance from your employer. 
• Gross household income from the previous calendar year for you, your spouse, and your dependents. This includes income from a job and any other sources. Gross household income is your income before taxes and any other deductions.
• Your deductible expenses for the past year. These include certain health care and education costs.

Note: You don’t have to tell us

What are the basic requirements for a VA loan?

You meet the minimum active-duty service requirement if you served for:

• At least 24 continuous months, or.
• The full period (at least 181 days) for which you were called to active duty, or.
• At least 181 days if you were discharged for a hardship, or a reduction in force.

An Overview of Disability Resources

An Overview of Disability Resources

If you are disabled, you know it can be a challenge to find and understand the government

benefits available to you. Once you qualify as disabled by the U.S. Social Security

Administration (SSA) through their definition of disability, you can begin applying for

benefits to help you and your family.HEALTH CARE BENEFITS FOR THE DISABLE

Benefits.gov can connect you to information on government benefits you may be eligible for

and help you in your search. This article highlights healthcare benefits, disability insurance,

and where to find other resources on Benefits.gov. Let’s look!

The government offers Medicare and Medicaid as low-cost health coverage options for

eligible citizens.VETERAN AND VETERAN WIDOWS DEPENDENT BENEFITS

Medicare

Medicare offers free or low-cost medical benefits to people with disabilities, through three

parts that cover different services:

Medicare Part A: Hospital Insurance

Medicare Part A helps cover inpatient care in hospitals, including critical access hospitals

in rural areas, and skilled nursing facilities for temporary treatments. It does not cover

custodial care, which helps you with activities of daily living or long-term care. It also

helps cover hospice care and some home health care. You need to meet certain conditions to

get these benefits. Most people don’t pay a premium for Part A because they or a spouse

already paid for it through their payroll taxes while working.

Medicare Part B: Medical Insurance

Medicare Part B helps cover doctors’ services and outpatient care. It also covers other

medical services that Part A doesn’t cover, like some of the services from physical and

occupational therapists, and some home health care. Part B helps pay for these covered

services and supplies when they are medically necessary, like ambulance services and

medical equipment. Most people pay a monthly premium for Part B.

Medicare Part D: Prescription Drug Coverage

Medicare Part D is available to everyone with Medicare, not just those who are disabled.

To get Medicare prescription drug coverage, you’ll need to join a plan approved by

Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part

D coverage.

Medicaid

Medicaid is different than Medicare because it only offers health insurance to people under

65 with certain disabilities and any age with end-stage renal disease. Medicaid eligibility

criteria is different from state to state. Many states have expanded their Medicaid programs

to cover more low-income adults. If you are not sure if you qualify for Medicaid, you should

apply. You might be eligible depending on your household income, family size, age, disability,

and other factors. You can learn more about Medicaid in your state through Medicaid.gov.

You can learn more about applying for Medicare and Medicaid at CMS.gov.

Disability Insurance

SSA offers Social Security Disability Insurance (SSDI) to provide financial help to people who

become disabled after earning enough Social Security work credits within a certain time. To

be eligible, you must have a qualifying disability and have earned enough Social Security

work credits through your employment history. You can apply online as soon as you become

disabled.

SSA offers another program called the Ticket to Work Program, which is a free, voluntary program.

It helps people who receive Social Security disability benefits re-enter the workforce and become

financially independent, all while keeping their benefits. Ticket to Work connects you with free

employment services to help you decide if working is right for you, prepare for work, find a job, or

maintain success while you are working. You can learn more on the Ticket to Work site and find

resources that might be helpful to you.

Find more benefits

To learn more about disability benefits or other government benefits you may be eligible for,

take the Benefit Finder questionnaire. It can take between 10-30 minutes to finish, and all answers

are kept confidential. Once you have completed the questionnaire, you will receive a list of

government benefits you may be eligible for and where you can apply. Check out this video

to learn more about the Benefit Finder Questionnaire.

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Medicare Program
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What is a consumer simple definition?

Consumers can be either an individual or group of people who purchase or use goods

and services solely for personal use, and not for manufacturing or resale. They are

the end-users in the sales distribution chain.

What is a consumer in economics

Consumer economics deals with the question of how the consumer allocates his scarce

means over a variety of different commodities and services. The consumer is thought to

be able to order the various sets of quantities of goods and services that fit in the

limited budget according to his or her preferences.

Real gross domestic product (GDP) increased at an annual rate of 2.9 percent in the fourth

quarter of 2022, after increasing 3.2 percent in the third quarter.

What is a simple definition of GDP?

Image result for What is GDP

GDP measures the monetary value of final goods and services—that is, those that are bought by

the final user—produced in a country in a given period of time (say a quarter or a year). It

counts all of the output generated within the borders of a country.

What is GDP with an example?

Image result for What is GDP
We know that in an economy, GDP is the monetary value of all final goods and services produced.

For example, let’s say Country B only produces bananas and backrubs. Figure %: Goods and

Services Produced in Country B In year 1 they produce 5 bananas that are worth $1 each and

5 backrubs that are worth $6 each.

What are the 3 types of GDP?

What are the Types of GDP?

Nominal GDP – the total value of all goods and services produced at current market prices.

Real GDP – the sum of all goods and services produced at constant prices.

Actual GDP – real-time measurement of all outputs at any interval or any given time.

What is GDP and why is it important?

One of the most important is gross domestic product, better known by its initials, GDP. This

economic indicator reflects the monetary value of goods (from food products to vehicles,

machinery and textiles) and services (such as health care, education, etc.) produced in the

country over a certain period of time.

What are the 6 types of consumers?

The survey identified six different types of shoppers, including:

Diligent searchers. According to the survey, these individuals take everything into

account, valuing all product and brand characteristics.

Product selectors. These folks focus on the.

Pleasure shoppers.

Foodies.

Unbiased buyers.

Indifferent consumers.

What are the 5 steps to becoming rich?

The 5 Fastest Ways To Become Rich, According To Experts

Avoid (and Pay Down) Debt. Debt is not necessarily bad in all instances, but it is

something to be avoided most of the time. …

Spend Intentionally and Minimize Costs. …

Invest as Much as Possible in a Diversified Portfolio. …

Work On Your Career. …

Find Extra Work7 TIPS ON BUILDING RESERVE CASH FOR EMERGENCIES 2023

Here are the Top 10 keys to your financial success:

Decide to be financially successful. This is different than wishing, hoping, wanting or even desiring to be rich.

Understand how money works.

Set specific goals. .

Develop a budget.

Reduce spending.

Begin investing.

Increase assets.

Reduce taxes2022-2023 YEAR TO DOUBLE YOUR INCOME ARE YOU VISIONARY???

Kindle Inspirational Books Videos and Motivational Programs

The United States economy created one million jobs in 90 days. An unemployment rate of 3.4%.

Currently 50 states Governors are pushing their economies to grow and expand. With over 200

billion dollars of surplus.

What kinds of training opportunities are provided by the federal government?

Training For Federal Employees

Overview.

Client Enrichment Series.

Contracts & Acquisition Training.

GSA Portal FACA Training Registration.

Technology Management Training.

Fleet Management Training.

Acquisition Training for the Real World.

Training Opportunities for Federal Employees – GSAhttps://www.gsa.gov › about-us › gsa-training-programs

More than 60,000 new students between the ages of 16 and 24 enroll in Job Corps each year,

at an annual cost to the federal government of more than $1 billion.

What is the success rate of Job Corps?

Eighty-eight percent of all Job Corps graduates are placed in jobs, higher education or

the military. Students leave the program with industry-recognized credentials, trained and ready

to contribute in high-demand jobs including health care, manufacturing and construction.

What is the biggest Job Corps in the United States?

Image result for How many students enrolled in Job corps

Gary Job Corps Center is the largest Job Corps center in the United States. We are located on an

800-acre campus in San Marcos, Texas, just a short drive from Austin and San Antonio.

How much is the weekly allowance at Job Corps?

The living allowance (i.e., pay) is based on stay duration (e.g., up to 56 days is $25/pay period

or two weeks, 57-112 days is $30/pay period, 113-182 is $40/pay period and 183+ days at $50/pay period).

You can do it quotes

“Do the best you can. …

“Do what you can, with what you have, where you are.” ―Theodore Roosevelt.

‘It’s never too late to be what you might’ve been.” ―George Eliot.

“If you can dream it, you can do it.” ―Walt Disney.

“Trust yourself that you can do it and get it.” ―Baz Luhrmann.

Beautiful resorts, great places to eat and the beautiful sandy beaches.

Grab a timeshare and enjoy

INVESTING IN REAL ESTATE IS ONE OF THE MOST PROFITABLE BUSINESS

IN THE US. AW, BEFORE YOU SAY YES. GRAB A BOOK FROM YOUR LOCAL BOOK

STORE ON BUYING AND FLIPPING HOUSES. FUNDING YOUR INVESTMENTS CAN

COME FROM A SECOND BUSINESS A SECOND BUSINESS FOR REAL ESTATE INVESTING

PLEASE COMMENT ON INVESTING. ALL COMMENTS WILL BE POSTED THAT HELPFUL.

First time homebuyers are realizing the American Dream. While renting for

a short period of time is fine building equity, with the tax advantages

is a wealth changing game plan. Homeownership is both wise and profitable

and quite enjoyable.

Below we have posted a few books that great for reading. Also, don’t

overlook audio books. Learn while you travel to and from weeks.

PLEASE DONATE WITH THE PAYPAL BUTTON BELOW — CLICK NOW

Your Small Business Web Site

A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. So, how can you reach some of those internet surfers, and how can you capture some of the billions spent in e-commerce?

small business web site, small business websitHEALTH CARE BENEFITS FOR THE DISABLE

A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.

And that’s just in Canada. Ecommerce sales from Canada were $7.2 billion, and we only captured 4% of the global e-commerce market! So, how can you reach some of those internet surfers, and how can you capture some of that $7.2 billion spent in e-commerce?BUILDING RETIREMENT WEALTH

First, you build it

The first step is designing your website. If your company already has business cards and letterhead, it’s best to design your website around them. A matching corporate identity and website helps with branding.STARTING A BUSINESS

I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, a balanced look, and good color combinations is my #1 goal when designing a small business website.

Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, they’ll leave.

Navigation should be easy to find and to use, and it should be consistent from page to page. I’ve left more than one site frustrated because I couldn’t easily find their navigation.

Small business websites aren’t static. They evolve. You need to start somewhere, and starting with an introductory website is probably the easiest. All you really need to start is five pages. You can always add pages later.

The important thing is to just do it—take the plunge and get it out there.

THE AMERICAN GREATEST DREAM — HOME OWNERSHIP7 SIMPLE STEPS TO BE A FIRST TIME HOMEBUYER

1
Principal
Principal is the amount of money you borrowed to buy your house, or the amount of the loan that you have not yet repaid.

Keep in mind, the more money you pay up front in your down payment, the less you will have to borrow.

The amount of money you can borrow is based on a variety of factors, including your monthly income and payments such as car loans and student loans. Use our mortgage affordability calculator to estimate how much you may be able to qualify for.

2
Interest
Interest is the cost you pay to borrow money from your lender, and it usually appears as a percentage of the amount you borrowed.

Interest rates are set by your lender based on many factors, some that you can control and some that you can’t. Out of those that you can control, one of the most important factors is your credit score. A higher credit score could help you get a lower interest rate.

Learn more about interest and getting the best possible rate for you.

3
Escrow
Required by many lenders under the terms of your mortgage, an escrow account is a reserve set aside to pay for a portion of your annual costs for property taxes and insurance premiums, such as homeowners insurance.

Your escrow payment goes to your lender, who deposits the money into an escrow account. The lender uses the money in the escrow account to pay for your property taxes and insurance premiums on your behalf when they are due.

Regularly scheduled escrow payments are a good option for many homeowners because they eliminate the surprise of a large annual payment for those expenses.

Learn more about escrow payments.

4
Taxes
Your mortgage payment will typically include one-twelfth of the estimated annual real estate taxes, also known as property taxes, on the home you purchased.

These payments are put into an escrow account, and the lender will use the funds to pay your property taxes on your behalf when they are due.

5
Homeowners Insurance
Homeowner’s insurance protects both you and your lender from fire or flood, which damages the structure of the house. It also protects from a liability, such as an injury to a visitor to your home, in addition to damage to your personal property, such as your furniture, clothes or appliances.

Your mortgage payment will usually include one-twelfth of your annual homeowner’s insurance premium that will be put into an escrow account.

Just like your taxes, when your insurance is due, your lender will use the money from that account to pay your homeowner’s insurance on your behalf.

6
Mortgage Insurance
If your down payment is less than 20%, you will have to purchase private mortgage insurance, an added insurance policy that protects the lender if you are unable to pay your mortgage.

As with your taxes and homeowner’s insurance, one-twelfth of your annual mortgage insurance premium is included in your monthly payment and put into your escrow account. Your lender will use these funds to pay for your insurance on your behalf when it is due.

7
Homeowner’s Association Fees or Condominium Fees
Most neighborhoods and all condominiums have a homeowner’s association (HOA). HOAs provide service

THESE ARE SOME BOOKS WE HIGHLY RECOMMEND TO GET STATRTED ON YOUR JOURNEY TO HOME

OWNERSHIP. THE JOURNEY OF A MILE START EITH ONE STEP. IF MILLIONS OF AMERICANS OWN

THEIR VERY OWN HOME, THAN WHY NOT YOU (CLICK NOW — GET A BOOK THAT TELLS YOU STEP

BY STEP HOW TO PURCHASE YOUR DREAM HOME IN 2023————

Home Equity Loans: How to get the Best Home Equity Loan Deal

What you should you know about Home Equity Loans Credit

Home Equity Secrets

How to Own Your Home Years sooner and Retire Debt Free

What does it mean living in a Section 8?
The Housing Choice Voucher Program, also known as Section 8, is the federal government’s

program for assisting low-income families, the disabled, and the elderly afford housing.

Participants can choose housing that meets the requirements of the program and receive

housing vouchers to help with their rental costs.Jan 22, 2020

An Overview of Section 8 Housing Assistance – Benefits.govhttps://www.benefits.gov ›