IM GENERATION X

Inflation hurt senior citizens on fix income, unemployed, low income families and first time home buyers.

As prices goes up, more income is needed just to keep up.
This is one solution 3% pay raises which is often called cost of living adjustment want keep up with

inflation. So additional income is one solution.
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From Wikipedia, the free encyclopedia

This article is about a rise in the general price level.

For the expansion of the early universe, see Inflation (cosmology). For other uses, see Inflation (disambiguation).

In economics, inflation is a sustained increase in the price level of goods and services in an economy over a period of time.

[1][2][3][4] When the price level rises, each unit of currency buys fewer goods and services; consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy.

[5][6] A chief measure of price inflation is the inflation rate, the annualized percentage change in a general price index, usually the consumer price index, over time.

[7] The opposite of inflation is deflation (negative inflation rate).

Inflation affects economies in various positive and negative ways.

The negative effects of inflation include an increase in the opportunity cost of holding money, uncertainty over future inflation which may discourage investment and savings, and if inflation were rapid enough, shortages of goods as consumers begin hoarding out of concern that prices will increase in the future. Positive effects include reducing unemployment due to nominal wage rigidity.

[8]Economists generally believe that the high rates of inflation and hyperinflation are caused by an excessive growth of the money supply.

[9] Views on which factors determine low to moderate rates of inflation are more varied. Low or moderate inflation may be attributed to fluctuations in real demand for goods and services, or changes in available supplies such as during scarcities.

[10] However, the consensus view is that a long sustained period of inflation is caused by money supply growing faster than the rate of economic growth.

[11][12] Inflation may also lead to an invisible tax in which the value of currency is lowered in contrast with its actual reserve, ultimately leading individuals to hold devalued legal tender.

[13] Today, most economists favor a low and steady rate of inflation.

[14] Low (as opposed to zero or negative) inflation reduces the severity of economic recessions by enabling the labor market to adjust more quickly in a downturn, and reduces the risk that a liquidity trap prevents monetary policy from stabilizing the economy.

[15] The task of keeping the rate of inflation low and stable is usually given to monetary authorities. Generally, these monetary authorities are the central banks that control monetary policy through the setting of interest rates, through open market operations, and through the setting of banking reserve requirements.

FROM WEDIKIA

A Pell Grant is a subsidy the U.S. federal government provides for students who need it to pay for college.

Federal Pell Grants are limited to students with financial need, who have not earned their first bachelor’s degree, or who are enrolled in certain post-baccalaureate programs, through participating institutions.

[1][2] The Pell Grant is named after Democratic U.S. Senator Claiborne Pell of Rhode Island, and was originally known as the Basic Educational Opportunity Grant

A Pell Grant is generally considered the foundation of a student’s financial aid package, to which other forms of aid are added.

[3] The Federal Pell Grant program is administered by the United States Department of Education, which determines the student’s financial need and through it, the student’s Pell eligibility.

The U.S. Department of Education uses a standard formula to evaluate financial information reported on the Free Application for Federal Student Aid (FAFSA) for determining the student’s expected family contribution (EFC)

.[4]
Pell Grants were created by the Higher Education Act of 1965. These federal funded grants are not like loans, and need not be repaid. Students may use their grants at any one of approximately 5,400 participating postsecondary institutions.

These federally funded grants help about 5.4 million full-time and part-time college and vocational school students nationally.

[5] As of 2016, six of the top ten colleges (by total Pell Grant money awarded) were for-profit (proprietary) institutions.[6]LOTS OF INFORMATION/CHECK RECENT POSTS

Continue reading “PELL GRANTS — SCHOLARSHIPS — GRANTS —- STUDENT LOANS”

Starting a business/ monetizing your hobby

So many persons have hobbies they enjoy doing at their leisure.

It could be playing games, photography, watching television, blogging, basically anything.

But do you know there is great joy in turning your hobby to a money making venture? Won’t that be something?

Doing what you love and earning from it! Lots of people don’t see how this is achievable considering they have other jobs to do. I will give you a very good example with someone whose hobby is taking pictures.

Photography can be of any type, nature/ wildlife shots, snapping people at the park or particular interest pictures. You could simply turn this love you have for capturing moments into a business.

Either as a studio photographer or as a photography blogger. Now to monetize your hobby, there are things you need to think through. Below are a list of things to do when monetizing your photo hobby.

1. Give it a name

! As simple as this may sound. It is very important to give your new business a befitting name. A good catchy name means it will easily stick in your potential customers mind.

You don’t want a name that doesn’t roll of the tongue. For instance, Joe’s amazing photography. Think something short and punchy like Joe’s shots/ Joe’s photos.

A catchy name is very vital when starting a new business.

RESIDUAL INCOME/PASSIVE INCOME

2. Do your research:

This is probably the first thing you should do as it is very vast. You’re going to make research for several things.
You have to check and confirm if the name of the business is already taken. You have to research the business itself, how rampant it is in the area you want to start it.

Do people in the area appreciate the services you are going to offer. You have to research potential competitors as well.

Check how successful they are, how they go about their business, how do they operate. Proper research is very vital any how you look at it, wether you do it yourself or hire someone to do it for you.

Make sure you do a very in-depth market research before you start any business.

3. Working tools/Equipments

Tools and equipments are very important in any business. You don’t start a welding business without a protective welding glass.

What materials do you need to start the business? Make sure the things you need are ready.
Check for the ones that are most important to start the business and buy them if you don’t have them already.

If it is the photography business you want to start, then you will need a camera, a good one of course, you may or may not need a stand, a camera stand, etc.

4. Registration and license

Off course you don’t just select a business and start without proper registration and license.

It is important to go to the nearest licensing agency in your area and get registered. Once you’re licensed, secure your license and keep it safe.

It shouldn’t take more than a week to get licensed in any field of choice.

Food for the mind: what is necessary for those who work a lot

Often, with heavy workload at work, it is difficult to make room for lunch.

This is fundamentally wrong, you need to pay due attention to food, because it helps the brain, but not all. What you need to know and eat when you are busy?

To get started, get a diary. Write the time of your rise, breakfast, lunch, dinner in it. 21 days is enough for a man to become a habit.

Take food laid three times, do not forget about it. Get into the habit of having breakfast. After 3-3.5 hours, have a bite, then have lunch and do not forget about dinner.

If a working meeting is scheduled for lunch, invite your partner to have lunch with you.

For the brain, glucose is good , especially in the morning.

It will immediately give the desired result, for example, before a speech or a meeting, eat a piece of dark chocolate, or a bar of muesli.

Do not abuse the advice often, fast carbohydrates have a bad effect on the pancreas.

If work is long, eat nuts, cereal. Cottage cheese, chicken fillet, low-fat fish varieties will increase mental activity.

The diet should include foods containing zinc, calcium, magnesium, iron, vitamins B, C.

The latter are good for concentration, and are present in the hips, Brussels sprouts, apples. Vitamin B is present in buckwheat, walnuts, rye bread.

To assimilate them, begin to use half-saturated fatty acids.

Pure water, dried fruits that have anti-stress effect are perfect as a snack.

The researchers found that 2 cups of coffee a day would be enough for an adult. An exception for those who have high blood pressure.

An excellent product for the brain will be dried apricots, eat a few pieces.

It is rich in vitamins C, iron, the latter is responsible for the left hemisphere of the brain, stimulates analytical activity.

Vitamin C helps the gland to digest.

To avoid Alzheimer’s disease, lean on red cabbage containing antioxidants.

For the brain is good salad from cabbage, carrots, green onion feathers with the addition of olive oil.

When using beets in the body will get a substance-betanin, promoting good mood, quick response and concentration.

People who constantly include in their diet salad from this vegetable with lemon juice and olive oil at times improve the susceptibility of information.

Refuse from fatty meat, it causes atherosclerosis of brain vessels, forget about very salty foods, and food that can be stored for a long time.

These products adversely affect brain function.

Physical fitness improves endurance

Engaging in regular physical activity had been proven to be the main contributing factor to increasing the body endurance level.

When you do more exercise the heart and the muscle respond by rebuilding and regenerating, thereby preparing the body for more.

And by doing the more, the cells of the body are challenged.

The cells rise up to the challenge by making the heart to recover faster and more blood are supplied to the muscles.

When these happen, the endurance level of the body improves.

The performance of the cardiovascular system (heart) during physical activities determines endurance level. And this can be measured by three key variables. These are:

i. the number of times the heart beat in a minute (rate of heart beat)
ii. amount of blood pumped by each heart beat (stroke volume), and
iii. the force of contraction exerted on the heart muscle (heart contractility)SUPPLEMENTS/REIDUAL INCOME

One of the best ways to improve these variables is by engaging in more physical activities.

With these, more blood will be delivered to the muscles, the heart recovers quickly and more vessels process the increased blood and oxygen.

Apart from the heart, there are other determinants of endurance performance. The muscle during physical activity drive the flow of blood through the veins and back to the heart.

Increasing the amount of blood delivered to your heart. In other words, we can say that the muscles improve the stroke volume of your heart during exercise.CLICK NOW SUCCESS RESIDUAL INCOME

In addition, the mitochondria (powerhouse of the cell) of the muscle cells increase to enable the muscles to do more work.

They efficiently burn more body fat and store glycogen by using oxygen to produce ATP energy. These allow you to work longer and harder without suffering fatigue.

The regular contraction and relaxation of the skeletal muscles is also a contributing factor to endurance performance.

You will notice that there is a connection between the cardiovascular system and the body muscles. This shows that in order to build endurance, you need to improve the performance of your heart and muscles.

Endurance performance can be improved by engaging in physical activities such as walking, cycling, jogging and swimming. These are examples of endurance or aerobic exercise.

They help to increase your heartbeat rate and breathing. Endurance exercise keeps the cardiovascular system, lungs and muscles healthy and improves the overall physical fitness of the body.

As mentioned above, regular physical exercise is very essential as far as endurance is concerned. But you also need to maintain a healthy eating habit.

Your foods should be rich in high quality protein, healthy carbohydrates such as whole grains and drink lots of water. Sleep is also important.

In conclusion, the rate of the heartbeat, amount of blood supplied to the heart, the heart contractility and the amount of oxygen the muscles can effectively processed affect your endurance level.

All these can be improved by working on your physical fitness.

herefore, physical fitness can improve the endurance performance of the body.

KEYS TO LIVING THE SUCCESSFUL LIFE

You would only get to live this life once, so why not make it a successful one.

Yes, everyone has a different definition of success and happiness. For one person, success may mean winning a Grammy.

For another, success may simply mean a stable job and family. As different as what is referred to as success is across individuals, success typically has several characteristics.

hese characteristics include peace of mind and stability in its different forms, from financial stability to emotional stability.

Although a lot of person agree that they want a successful life, a majority of the persons that seek a successful life are not deliberate enough about staying the course that leads to success.

The way a person leads their life determines if it will be successful or not. Success doesn’t just happen; it happens as a result of deliberate actions.

It is article highlights some deliberate actions one could engage in over time to lead a successful life.

Be consistent

Success is as a result of deliberate continuous actions. Thus, there is the need to be consistent.

Consistency is a value that every successful person indetifies with, whether in the smallest endeavours or in the biggest endeavours.

Consistency simply means putting in the right amount of efforts over time in the different activities.

Consistency means showing up at the job and putting in the best amount of energy daily, committing to activities that largely prove that one is putting in their best every day.CLICK NOW EVERYTHING YOU NEED TO BE SUCCESSFUL

Be present

Every day is a gift and comes with opportunities to create new memories and win new battles.

If a day is spent largely thinking about the future or past, one is bound to miss out on the opportunities of that day. Since success is as a result of culminated effort, the contribution of that day towards achieving a successful life is lost.

If a person thus continues to dwell on the past or future a lot, they jeopardize their chances of leading a successful life.

The victory or losses of yesterday shouldn’t deter one from going after the goals of today.

The fear of tomorrow shouldn’t also deter one from giving today the best.
Be grateful

It has been said that gratitude is an application for more victories.

It is largely true since gratitude is an attribute of successful people. Successful people are typically grateful expression gratitude for everything, from the biggest losses to the smallest wins.

Gratitude is a form of positive energy that can propel a person to success.

A grateful person is more often than not thankful for opportunities that have come their way and give every opportunity they get the best shot.

is also important to add that successful people value their time and manage it as effectively as possible.

Every person on earth gets 24 hours every day, and what becomes of their life depends on how well they use the 24 hours they get each day.

On this note, we point out the fact that successful doesn’t just happen once again. Successful people are deliberate people.

Dressing For Success

“Style is the way to say who you are without having to speak.” –Rachael Zoe.

What you wear represents your lifestyle and personality more than your words can ever do.

There are a few pointers that you should keep in mind if you want to make an impression with your clothing especially when it comes to your professional life.

If this is what you are looking for, then you have come to the right place. Here is how you need to dress for success!

#1 Look Trendy But Polished:
Keeping up with the latest trends is always a good idea but sometimes the street style is not so appropriate for professional dressing.

Wearing your jogging attire paired with neon chunky sneakers to work is not a good idea except you want some weird looks from your colleagues.

Make sure your outfit looks polished and put together while you follow the current trends.

#2 Be Classy, Not Trashy:
Plunging necklines and skintight shorts might be good for the night out with your pals but not for office.

Keep it classy and modest when it comes to work wear. Go for chiffon blouses paired with suits if you want to trendy in a classier way.

#3 Pay Attention To your Footwear:

If you want to make a good first impression; always make sure your shoes are polished and in a very good condition.
It is true that people notice your shoes when they first meet you and if you are wearing dirty shoes, it might not be helpful if you want to make a put together and chic impression.

CLICK NOW ENJOY THIS FANTASTIC BLOG

With these simple and easy tips and tricks up your sleeve, you’ll be able to make a lasting good impression in your professional life that will be one of the main factors of drawing success your way.