How can we live a purposeful life?7

Steps to Living Your Life With Purpose

Understand what life should feel like.

Tap into your calling within.

Trust yourself and forget what others think.

Feel the fear and take the first step anyway.

Rethink your to-do list.

Check in with yourself daily.

Recognize that you have everything you need.

Inspirational Quotes About Life

Keep smiling, because life is a beautiful thing and there’s so much to smile about.

Life is a long lesson in humility.

In three words I can sum up everything I’ve learned about life: it goes on.

Love the life you live.

Life is either a daring adventure or nothing at all. –




10 famous quotes by celebrities

“I’m not here to be perfect, I’m here to be real.” – Lady Gaga

“I’m not interested in money. I just want to be wonderful.” – Marilyn Monroe

“The only thing that feels better than winning is winning when nobody thought you could.” – Hank Aaron

“Success is not final, failure is not fatal: It is the courage to continue that counts.” – Winston Churchill

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

“If you want something done, ask a busy person to do it.” – Laura Ingalls Wilder

“If your actions inspire others to dream more, learn more, do more and become more, you are a leader.” – John Quincy Adams

“The best way to find out if you can trust somebody is to trust them.” – Ernest Hemingway

“The only Limit to our realization of tomorrow will be our doubts of today.” – Franklin D. Roosevelt

“We may encounter many defeats but we must not be defeated.” – Maya Angelou
famous quotes about life…

“The most important thing is to enjoy your life – to be happy – it’s all that matters.” – Steve Jobs

“Your time is limited, don’t waste it living someone else’s life.” – Steve Jobs

“The best way to find out what you want in life is to try a lot of things.” – Oprah Winfrey

“In order to be truly happy, you must pursue your dreams and goals.” – Oprah Winfrey

“You can have anything you want if you are willing to give up everything you have.” – Oprah Winfrey

“Don’t let anyone tell you what you can’t do. Follow your dreams and persist.” – Barack Obama

“If you want something you’ve never had, you must be willing to do something you’ve never done.” – Unknown

“Everything happens for a reason.” – Unknown

“You only live once, but if you do it right, once is enough.” – Mae West

“Life is what we make it and how we make it – whet

How do you build a purposeful life?

How to find purpose in life: 12 tips

Develop a growth mindset. Having a growth mindset is linked to having a sense of


Create a personal vision statement.

Give back.

Practice gratitude.

Turn your pain into purpose.

Explore your passions.

Be part of a community.

Spend time with people who inspire you.



7 Tips On Building Reserve Cash For Emergencies

Access Your Savings Goals

Start An Emergency Fund

Budget Smartly

Automate Savings

Monitor Your Spending

Invest in Low-risk Options

Stay Motivated

Access Your Savings Goals

Having a plan to access your savings goals is essential when managing your finances. Building

a reserve of cash to be used in an emergency can be a great way to ensure you are always

prepared. Having a plan in place to access your savings goals can be a great way to help you

create a financially secure future.

One of the first steps in creating a savings plan is to identify your goals and set a timeline

for achieving them. Establishing a timeline for setting aside a certain amount of money each

month will help you stay on track and reach your savings goals. It’s also important to factor

in any upcoming expenses and plan accordingly to ensure you still have enough money saved

for the future. Once you’ve established a timeline and set aside a specific amount of money

each month, deciding where to invest it is essential. There are various options for building

a cash reserve for emergencies, including high-interest savings accounts, certificates of deposit,

money market accounts, and more.

Before investing any of your money, it’s essential to do your research. Knowing what type of

investments are right

for you and their potential risks will help you make informed decisions that you’ll feel comfortable with.

Start An Emergency Fund

Starting an emergency fund is one of the most critical steps to secure your financial future.

An emergency fund is a reserve of cash you set aside in a financial emergency. It can help you

pay unexpected expenses, such as medical bills, car repairs, or even job loss. Creating an

emergency fund should be a priority because you never know when you will need it. Even if you

have a steady job and a good income, unexpected events can happen that could put your finances

in jeopardy. So, how do you start building an emergency fund? First, you need to determine how

much you need to set aside. The amount you save should be based on your current financial

situation. Generally, it’s recommended to have three to six months of living expenses saved

for an emergency fund. If you are a two-income family, you should save more.

Once you’ve determined how much you need to save, you should set up a separate emergency fund

account. This account should be separate from your regular checking or savings account. You

should also designate this account as being part of your emergency fund and not to be used for

any other purpose. Setting up an automatic transfer from your checking account to your emergency

fund might help you stay on track with your emergency fund savings. This will help you save

regularly and constantly build your emergency fund. It’s also essential to invest your emergency

fund in a safe vehicle. This means avoiding high-risk investments such as stocks, mutual funds,

or other assets prone to large swings in value. Instead, it would be best if you stuck with

relatively safe investments such as certificates of deposit, money market accounts, and Treasury

bills. Finally, be sure to review your emergency fund regularly. Make sure you are on track to

meet your goal and adjust your savings rate accordingly if necessary.


Budget Smartly

When it comes to financial planning, budgeting is a crucial element. Budgeting allows you to

plan your finances in such a way that you can avoid any surprises that may come up in the future.

It is vital to budget smartly when building reserve cash for emergencies.

Building reserve cash for emergencies is essential because it provides a cushion should

something unexpected occur. It is an excellent way to ensure that you are prepared for any

financial emergency. By budgeting correctly and ensuring that you are saving enough money for

the future, you will be able to make sure that you have enough money to cover any emergency.

When budgeting for emergencies, it is essential to consider how much money you would need for

such circumstances. This will help you determine how much money you should save to ensure you

have enough money to cover any emergency.

It is also essential to consider how much money you can save each month. This will help you

determine how much money you should set aside each month for emergencies. You will then be

able to create a budget that will allow you to save the appropriate amount of money each month

for emergencies. Once you have determined how much money you can save each month, it is vital to

ensure you use it wisely. You should make sure you are using the money to purchase the necessary

items to handle any emergency that may arise. This includes items such as food, clothing, and

medical supplies.

You should also make sure that you are investing any money that you save in a way that will

ensure that you have enough money to cover any emergency. Investing your money in stocks or

bonds is an excellent way to ensure that your money is safe and secure for any emergency.

Finally, it is essential to make sure that you are making wise spending decisions when it comes

to your reserve cash. You should avoid unnecessary purchases and spend the money wisely to

ensure that you have enough money to cover any emergency.

Automate Savings

Building a reserve of cash to cover unexpected costs can help you maintain financial stability

and provide the security you need in an emergency. But creating an emergency fund can seem

daunting, especially when your budget is already stretched thin. Fortunately, there are ways

to automate your savings plan and build a cash reserve to prepare for emergencies.

The first step in automating your savings is setting up an automatic transfer to a separate

account. This is a great way to ensure that you consistently save money each month and build

up your emergency fund. Having a separate savings account also helps keep your emergency funds

separate from your other spending. You can set up an automatic transfer online or with your

bank, and you can determine the amount of money that is transferred each month, so you can choose

an amount that works best for your budget.

Another great way to automate your savings for building reserve cash for emergencies is to use

a high-yield savings account. High-yield savings accounts offer higher interest rates than

traditional ones, so your money will grow more quickly. You can also use savings accounts with

rewards programs to earn points or cash back for saving money.

Finally, if you want to build a reserve of cash for emergencies without having to manage your

saving actively, consider investing in a low-risk, long-term investment. You can create a

reserve of cash for emergencies by investing in equities or mutual funds, which can give you a

consistent source of income. Make sure you understand the risks associated with investing and

that you are comfortable with the amount of money you invest.

By automating your savings, you can build a cash reserve for emergencies and ensure that you

are prepared if an emergency arises. Setting up an automatic transfer to a separate savings

account, using a high-yield savings account, and investing in a low-risk, long-term investment

are all great ways to build a reserve of cash for emergencies. With proper planning and

preparation, you can be ready for any unexpected expenses that may come your way.

Monitor Your Spending

When making your budget, it is crucial to track your expenses and establish goals for saving.

Understanding how much money you are spending every month and where your money is going will

help you make sure you are allocating your money in the right direction. You can use budgeting

tools like Mint or YNAB to help keep track of your spending and ensure you stay within your budget.

Setting up automatic transfers from your bank account to a savings account is also essential. This

will help ensure you actively set aside funds for your emergency fund. Automating the process is

a great way to ensure that you are setting aside money. This way, you can remember and stay

caught up on your savings.

It is also essential to have realistic savings goals. When creating goals for yourself, ensure

you are setting achievable goals you know you can reach. If you are setting unrealistic goals,

you can easily get discouraged or overwhelmed and give up on the savings plan.

It is vital to keep an eye on your finances. Keep track of your goals and adjust your savings

plan if necessary. By monitoring your spending and saving habits, you will be better prepared

to handle any financial surprises that may come your way.

Building a reserve of cash for emergencies is essential to sound financial planning. By tracking

your spending, setting automatic transfers, and setting realistic goals, you can ensure that you

are well-prepared when the unexpected happens. With proper financial planning, you can ensure

that your finances remain secure and handle any unexpected costs that come your way.

Invest in Low-risk Options

Investing in low-risk options is integral to building reserve cash for emergencies. An emergency

fund can be a lifesaver, whether it’s an unexpected medical bill, car repair, or other unforeseen

expenses. Low-risk options can help you achieve that goal and are essential to any financial


There are several options available when it comes to low-risk investments. A high-yield savings

account is one of the most well-liked options. Although interest rates on high-yield savings

accounts are often more significant than standard ones, they can still be low enough to be

viewed as a low-risk investment. They are also FDIC insured, meaning your deposits are protected

up to $250,000. This makes them an excellent choice for building an emergency fund.

Certificates of deposit (CDs) are another low-risk option. CDs have a fixed rate of interest and

are FDIC-insured. They are usually offered with terms ranging from one month to five years, so

you can choose the length that best fits your needs. CDs are a great way to put your money away

and earn interest while you wait for an emergency.

Money market accounts are another low-risk option that offer higher yields than high-yield

savings accounts. They generally require a minimum deposit amount, but the rate of return is

often higher than other investments. These accounts are FDIC-insured, but the balances

are not guaranteed, so there is always a risk of losing some or all of your money.

Investing in stocks and bonds is another way to build an emergency fund. Stocks and bonds are

considered more risky than the other investments discussed here, but the returns can be higher.

When investing in stocks and bonds, it’s important to remember that there is always a risk of

losing some or all of your money, so it’s essential to understand the risks involved before


Building an emergency fund is an integral part of any financial strategy. Low-risk options can

help you achieve this goal and are a great way to ensure you’re prepared for unexpected

expenses. From high-yield savings accounts to CDs, money market accounts, and stocks and bonds,

several low-risk options exist. Investing in these options can help you build reserve cash to

help you through any unexpected expenses that may arise.

Stay Motivated

When it comes to staying motivated to save money for emergencies, it helps to have a plan. Decide

how much you want to save and create a time-frame for when you plan to achieve it. Having a

plan in place will help keep you on track and make it easier to stick to it.

It can also be helpful to break down big savings goals into smaller, more manageable chunks.

This will keep you motivated and make it easier to reach your ultimate goal of having reserve

cash for emergencies. Setting up automatic deposits from your paycheck or checking account can

also help you to stay on track with your savings goals.

There are plenty of great ways to boost your motivation and stay on track with saving for an

emergency fund. Consider the following tips:

Set up regular reminders or notifications: Set up an alarm on your phone or a daily reminder to check in with your savings goals.
Reward yourself: Set up a reward system for reaching milestones. Celebrate your successes, even if it’s just a small treat.
Keep track of your progress: Use a spreadsheet or journal to track your progress. Seeing the numbers in black and white can help keep you motivated.
Find an accountability partner: Find someone who can help motivate you to reach your savings goals. It might be a friend or a financial advisor who can help you stay on track.
Start small and build up: Don’t get overwhelmed by setting aside large amounts of money at once. Start small and build up your savings over time.
Make it a habit: Make saving a part of your routine, and it will soon become second nature.
Stick with it: Saving money for an emergency fund can be difficult, but it will be worth it in the long run. It’s a great way to ensure your financial security.

Saving for an emergency fund can seem daunting, but staying motivated and setting up a plan can help you reach your goal. As long as you stick with it, you’ll be prepared for whatever life throws your.2023 dresslily VIP DAY celebration!Buy $1 Get 18% OFF,Buy $129 Get 30%!



Dressing For Success

It is rightly said that the way you dress, explains a lot about your personality

and lifestyle.

Most offices have proper dress codes but there is a way to polish your look

even more by following professional dress code and make your outfit up the date

yet still sophisticated.

Here are four ways to dress for success and look visually prominent among the rest.

#1 Choose Colors That Are Easy On the Eye:

Whenever you are going for an interview or just going to work, opt for a neutral

color palette. Bold colors are not easy on the eye and can easily cause distractions.

Go for colors like black, white, or beige to avoid any obstructions.RESIDUAL INCOME DRESSING IS A KEY TO SUCCESS

#2 Get It Tailored To Your Exact Fit:

Shopping off the rack is easy but sometimes those clothing pieces could be a bit

slouchy. Don’t worry and get them tailored according to your body shape and size

for a more polished and put-together appearance.

#3 Learn To Style Your Go-To Differently:

Have a favorite cardigan? Don’t worry, you don’t have to part ways with it. Learn to


it more professionally for office wear rather than discarding it.

Pair it with a light-colored inner and button it up for an office-perfect look.A BUSINESS OF YOUR OWN ADDITIONAL INCOME

#4 Wrinkled Clothes Are A Big No:

The way you take care of your clothes explains a lot about your lifestyle. If you want

to look professional and put together, make sure there are no wrinkles and unnecessary

reases on your workwear.

In a nutshell, tweaking your outfit up a little and paying attention to little details can

make your outfit look more put together and professional.

With these tips up your sleeve, you will definitely be celebrating your success really soon. Beauty Basics – Eight Tips For Naturally Beautiful Skin

Not sure what to look for when choosing cosmetics? Need some advice on taking care of your skin? Here are eight tips to help your skin look and feel its best.


1) Select moisturizers made with vegetable oils. The lotions, creams, and body oils that you use should be made with vegetable oils, not mineral oil. Vegetable oils, (like olive oil, sweet almond oil, corn oil, etc.) contain fatty acids which help to moisturize and soften the skin.

Mineral oil is derived from petroleum and does not contain anything that helps to nourish the skin.

2) Look for herbs and herbal derivatives in your cosmetics. Herbs and their derivatives (essential oils, extracts, infusions) contain natural chemicals which soothe, tone and help condition the skin.

Two herbs that are especially useful in natural cosmetics are Lavender and Tea tree. The essential oils of both lavender and tea tree are gentle, natural antiseptics

3) Once a week soak your feet in warm water, and gently exfoliate dead skin with a pumice stone. Follow up by moisturizing your feet with a natural foot oil or foot lotion.

4) Every week soak in a tub of bath salts. Salt, especially salts mined from the Dead Sea in the Middle East, are rich in minerals and help draw impurities out of the skin.

5) After a shower or bath, seal in moisture by using a body oil or lotion made from natural vegetable oils.

6) If you have blemishes and your skin is dry, moisturize your skin in the morning and at night with products that contain vegetable oils which are high in essential fatty acids.STARTING AN ONLINE BUSINESS

Essential fatty acids help to soften and hydrate the skin and they can also help soothe minor irritations. Vegetable oils that contain large amounts of essential fatty acids are: corn oil, sunflower seed oil, safflower oil, borage oil, blackcurrant seed oil and evening primrose oil.

7) Look for toners and astringents that are made without ethyl alcohol, rubbing alcohol or isopropyl alcohol. These ingredients are solvents that are extremely drying to the skin.

8) Every time you wash your hands, moisturize them with a natural lotion or cream to help them stay soft.


The Power of Your Subconscious Mind

20 principles of productivity: Focus, Motivation, Organization, Habit Building,
Time Management, Apps, Psychology, Goal Setting, do it now.

The Art of Setting Smart Goals: Set winning, goals and live a life of abundance,
Success and achievement

High-intensity exercise requires more than working out. Nutrition products,
aloe vera drinks, bee products, skincare, personal care, weight

Interest rates continue to below. Inventory of homes available for purchase
makes it a buyer market in most areas of the country. Rent on the other hand in the
most market continue to rise.

Their still a tax advantage for ownership as well
as building up equity. There are so many loan programs available such as VA, FHA,
USDA loans and seem like every state as well as some municipalities have homeownership
ownership programs.

Need additional income to purchase a home
is a great way to start an additional income. Please Comment.
I always emailed this website post page to all my contacts,
as if like to read it then my friends will too.




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”







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Do real estate investors make money?

Real estate often proves to be a lucrative investment, offering both income — in the

form of rents and appreciation — when you sell appreciated property at a profit.

It’s also a good way to diversify your portfolio, as an asset that’s subject to

different influences than stocks and bonds.

What is real estate investors do?

Image result for real estate investor

A real estate investor is someone who purchases real estate for profit purposes. A real

estate agent or REALTOR® often partners with an investor to secure real estate investments

or real estate deals. The most obvious way to become a real estate investor is to buy rental property.

What is the least expensive way to start a business?

If you want to start a low-cost business, these 25 ideas will help inspire your

entrepreneurial passion.

Content creation.

Personal or virtual assistant.

Event planning services.

Errand/concierge service.

Professional reviewer.

Social media consultant.

Etsy shop.

Online courses and tutoring.

How can I start a business with no money?

Options to fund your new business venture include:

Crowdfunding. This approach to raising money takes small amounts of cash from a

large number of people.

Friends and family loans. Do you have a personal support network that can back

our new business idea?

Small business loans.

Capital investors.

Small business grants.

What are the 4 basics to a start up business?

An ownership or business structure. A business registration certificate. A legal

license or seller’s permit (as well as other legal documents) A source of funding.

How can a beginner start a business?

Conduct market research. Market research will tell you if there’s an opportunity to turn

your idea into a successful business.

Write your business plan.

Fund your business.

Pick your business location.

Choose a business structure.

Choose your business name.

Register your business.

Get federal and state tax IDs.




What is the current 1 year T bill rate?

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

Where to buy 6 month treasury bill?
You can buy T-bills online directly from the U.S. government at TreasuryDirect.
Alternatively, you can also buy T-bills through a bank or broker. Bills are issued weekly
through an auction bidding process.
What is the current 1 year T bill rate?
Basic Info. 1 Year Treasury Rate is at 4.32%, compared to 4.38% the previous market
day and 1.55% last year. This is higher than the long term average of 2.88%.
Are 6 month T-bills tax free?
Interest from Treasury bills (T-bills) is subject to federal income taxes but not
state or local taxes. The interest income received in a year is recorded on Form
1099-INT. Investors can opt to have up to 50% of their Treasury bills’ interes
earnings automatically withheld.

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.




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) › 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.The Credit Pros



What is the highest income for Pell Grant?

Most Pell Grants are awarded to students whose families make less than $30,000 annually.

Some Pell Grants are awarded to students whose families make $30,000-$60,000 annually.

It’s possible but rare for students to be awarded the grant if their families make more

than $60,000 annually.

Is it hard to get a Pell Grant?

Because Pell Grants are need-based aid, applicants must prove their income is low enough

to receive the funds. This discourages many people from even applying, but the application

takes into account the number of students in a household who are enrolled in college, as well as other factors.

What makes someone eligible for Pell Grant?

Federal Pell Grants usually are awarded only to undergraduate students who display

exceptional financial need and have not earned a bachelor’s, graduate, or professional

degree. (In some cases, however, a student enrolled in a post baccalaureate teacher

certification program might receive a Federal Pell Grant.)


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.






What means goal setting?

Image result for goal setting

Goal setting refers to the process of setting specific, attainable targets for

individuals or groups. It is a motivational technique which can help the employees

to understand the business goals, and motivate them to rise to the challenges.

What are the 5 steps in goal setting?

Image result for setting goals

We have listed below the steps you need to take and you’ll realize that it actually doesn’t take much.

Step 1: Write down your goals. Does it seem like an unnecessary step?

Step 2: Apply SMART.

Step 3: Identify the obstacles.

Step 4: Create an action plan.

Step 5: Continue to monitor your progress




What states do not tax Social Security income?
States That Don’t Tax Social Security
New Hampshire.
South Dakota.

What is the maximum Social Security benefit you can get?

The maximum benefit depends on the age you retire. For example, if you retire at full

retirement age in 2023, your maximum benefit would be $3,627. However, if you retire

at age 62 in 2023, your maximum benefit would be $2,572. If you retire at age 70 in 2023,

your maximum benefit would be $4,555.

6 Month Treasury Bill Rate is at 4.94%, compared to 4.91% the previous market day

and 0.71% last year. (February 28, 2023)

What is the easiest SBA loan to get?

SBA Express

This term loan or line of credit offers fixed or variable SBA loan rates as well

as the easiest SBA application process, quick approval times, flexible terms, and

lower down payment requirements than conventional loans.

How can I get free money from the federal government?

The federal government does not offer grants or “free money” to individuals to start

a business or cover personal expenses, contrary to what you might see online or in

the media. Websites or other publications claiming to offer “free money from the

government” are often scams. During the Covid Pandemic the United States of America

gave out trillions of dollars to business, state, school, business to avoid a 1927 to 1940

depression. The scams online is not the same, yet the Federal Government do often

billions of dollars in Grants for specific causes/work to be done.

What are the 4 types of grants?

What are the 4 Types of Grants for Nonprofits?

Competitive Grants. Competitive grants are those for which a nonprofit submits a proposal

that gets evaluated by a team of reviewers.

Continuation Grants.

Pass-through Grants.

Formula Grants.

What is the easiest government loan to get?

If you need help paying for school, federal student loans (under the Direct Loan program)

are probably your best option. They are easy to qualify for, they have competitive rates,

and they offer flexibility when you’re getting on your feet (and when you face financial

hardships in life).

How can a woman get money to start a business?

11 Grants for Women-Owned Businesses

FedEx Small Business Grant. …

The Amber Grant Foundation. …

National Association For The Self-Employed Growth Grants.

Cartier Women’s Initiative Award.

Tory Burch Foundation.

Sogal Black Founder Startup Grant.

Visa Global She’s Next Grant Program.

Fearless Fund.

More items…

11 Business Grants for Women Entrepreneurs & 7 Places to Find … › resourc

What are 3 examples of in kind benefits that the government offers?

Food and Nutrition

Food Stamps.

School Assistance.

Women and Children.

What benefits can I apply for?

Help on a low income

Housing Benefit.

Working and child tax credits.

Pension Credit.

Income Support.


How to apply for VA health care

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?

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 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 Let’s look!

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



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 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

You can learn more about applying for Medicare and Medicaid at

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


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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Featured Benefits
Medicare Program
Medicaid Program
Social Security Disability Insurance Benefits
Supplemental Security Income (SSI)
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What are veteran survivor benefits? As a veteran’s surviving spouse, child or parent,
you may qualify for certain benefits, such as help with burial costs and compensation
or pension. You may also qualify for health care, life insurance, or financial assistance’
to help pay for school or training.


10 Tips To Improved Hair Care

The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice. Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.

10 Tips To Improved Hair Care

Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?

Here are 10 tips to get you started.

If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.

A trim is relatively inexpensive and should only take a matter of min…

Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?

Here are 10 tips to get you started doing it yourself.

If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.

A trim is relatively inexpensive and should only take a matter of minutes at the local salon.

Use a low to medium heat on your hair dryer. Extreme heat can dry out the hair and cause the frizzies.

Avoid prolonged exposure to the sun, which is not only bad for your skin, but can dry out your hair as well.

Many people suffer from dandruff. If you are one of the many, avoid scratching or rubbing the head as this will promote flaking.

Instead, use a shampoo and/or conditioner that is especially designed to treat dandruff and eliminate flaking.

If you have thin hair, add a volumizing shampoo for added body. If you have thick hair, using a healthy shine shampoo will bring out the additional beauty.CLICK NOW FOR MORE INFORMATION

Avoid harsh hair care products, which can dry out or damage the hair. In some cases, individuals have even experienced hair loss in using certain at-home perm and/or coloring treatment products.

If you want to have this type of treatment done, have it done at the salon.

In choosing a salon, make sure that you opt for one that has been in business for awhile and has a clean, professional workspace.

Ask friends for referrals. If they have used a certain hair care product, which coincides with one that you are searching for, inquire about their experience.

The same is true with salons, which are often best recommended by friends and family.

When brushing your hair, use soft strokes rather than those swiped in a hurry. A part of quality hair care is, just as the name implies, caring for your hair.

When using styling products, make sure that they do not overheat prior to using them on your hair.

Extreme heat can and will damage the hair, not to mention the discomfort of a burn resulting from an overheated styling product.

The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice.

Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.


10 Great Hair Care Tips

If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.

But you can do your part to stay ahead of the battle by following these great tips for hair care.

1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must

If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.

But you can do your part to stay ahead of the battle by following these great tips for hair care.

1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must have. Look for products in salons that are customized for your hair type.

For instance: If you have color or a perm, choose a conditioner that is for chemically processed hair. And stay away from those all-in-one shampoo and conditioner combos.

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2. Choose a cut tailored to your face and body shape. The number one mistake that people make when choosing a new hairstyle is to pick a style based on popularity rather than how it will enhance their features.

Always choose a new cut based on how it will enhance or detract from your facial features and build. If you have broad shoulders, choose a full-bodied cut over a close cropped head hugging doo.

3. Don’t forget your UV protectants. Just as your skin gets damaged by wind and sun, so does your hair. To combat this, look for finishing products such as mousses, gels and sprays that block UV rays.

4. Keep your appointments. Did you know that your hair will split faster than it will grow? You need to get a trim every 6 to 8 weeks, even if it’s just a micro trim. A good hairdresser makes them good because they know what to leave on the head, not take off.

5. Leave chemicals to the professionals. There is a reason why beauticians need to go to school to learn how to handle chemicals and hair processes.

You can do irreparable damage with these products even if the package says that it’s way easy. And even if you don’t make your hair fall out, you could end up looking like a clown and paying a stylist big bucks to fix your mess. (Note: Most stylists charge double the rate for corrective color than they do for normal color processes)

6. Get color for interest and body. Every cut needs a little bit of color to make it truly breathtaking. No matter whether your taste is subtle or dramatic, you can add interest and volume to your tresses with a color process.

Highlights, lowlights, all over color, gray coverage, you name it, it’s all good for your look.

7. Do weekly conditioning treatments. Even if your hair is extremely healthy, it is constantly on the attack from wind, sun, cold and heat. During the summer months, your hair is battered even more when it absorbs chlorine and other chemicals from your pool.

8. Get an ionic ceramic flat iron. Instead of frying your hair with a conventional metal plated flat iron. Straighten your tresses, add shine and infuse moisture with one of the a negative ionic flat irons. We personally use T3 irons for all our work.

9. Choose your styling products wisely. Avoid products that leave build-up on your hair. If you see white gunk, that means that your product is not water-soluble and may be coating your hair shaft.

Build-up causes limpness, breakage and inability to curl not to mention the white flakes.

10. Did you know that if you use a towel after your shower to dry your hair you are causing split ends and adding static electricity to your hair. Don’t rub the towel back and forth over your hair, scrunch the towel around your hair like your would scrunch crackers in your soup.

While all of these tips won’t make you look like you’ve hired a personal hairdresser, they will help you look the very best that you can each and every day. When it comes to hair care, remember that you wear your hair everyday.

Now isn’t it worth the time, effort and money that it takes to keep it looking spectacular?



6 Month Treasury Bill Rate is at 4.84%, compared to 4.75% the previous market day and

0.70% last year.

1 Year Treasury Rate is at 4.99%, compared to 4.91% the previous market day and 1.13%

last year. This is higher than the long term average of 2.87%.

What is a 1 year treasury?

A Treasury Bill (T-Bill) is a short-term debt obligation backed by the U.S. Treasury

Department with a maturity of one year or less. Treasury bills are usually sold in

denominations of $1,000 while some can reach a maximum denomination of $5 million.

How many new business started in 2022 in usa?

Image result for how many business was started in 2022

5,044,748 new businesses started in 2022 in the United States. While this is a slight

decrease from 2021, it still marks a record-breaking number of new businesses post-pandemic.

For example, 4,381,415 new businesses were formed in 2020, which had broken the previous

record at the time

Starting a Business — Want to be wealthy?

Want To Be Wealthy? Don’t Stop Dreaming

If I asked 100 people if they would like to be rich, I’m sure at least 98 of them would

answer yes. Their answer might range from, “maybe if the conditions were right” to “YES,

and make it fast!”

Most people think of the wealthy as being reserved and probably a bit cautious. The

thinking goes that if the millionaire wasn’t very cautious with how he spends his money,

he wouldn’t have a million dollars left.

But a closer look at who gets wealthy gives a far different pic…

mlm, network marketing, home business, own business and wealth

If I asked 100 people if they would like to be rich, I’m sure at least 98 of them would

answer yes. Their answer might range from, “maybe if the conditions were right” to “YES,

and make it fast!”

Most people think of the wealthy as being reserved and probably a bit cautious. The thinking

goes that if the millionaire wasn’t very cautious with how he spends his money, he wouldn’t

have a million dollars left.

But a closer look at who gets wealthy gives a far different picture. You see, at the

very core

of American business is a deep enthusiasm. People who get rich tend to be people who can make
the most of the American

business system.FREE INFORMATION

And those people tend to be gung-ho, enthusiastic, and more than eager to charge straight ahead.

If you say, “I’ve got a way to make a lot of money, do you want to start tomorrow?” Most will

reply, “Let’s start NOW!”

One European marketing guru got it right when he said, “American business likes to jump in and

take chances. In France they’ll sit on a good idea until it’s time has passed.

Americans can’t wait to get going.” And I would certainly say that attitude toward business

applies to everyone in North America, whether they be in the U.S. or not.

Here are several ways to light your own fire and get your business future on its way:

1. When you see a business opportunity, let your enthusiasm grow. Rather than thinking of all

the ways the business might fail, spend time thinking ONLY of the ways it could succeed

and succeed BIG.

2. Listen to those around you, but don’t let your friends, family, and people at work talk you

out of an idea you really believe in. Scientific studies show it’s very hard to keep your

beliefs solid when two or more people gang up on you.

Keep in that in mind. If you start to see the downside of your business after talking to

others, go back to step one and get yourself fired up again.

3. KEEP yourself fired up. It’s not enough just to get excited at the start. You’ve got to

get up every morning reminding yourself just how cool your business really is.

4. Try to surround yourself with people who see things as you do. That’s a great way to keep

your resolve and pump up your vision.FREE INFORMATION

That may sound a little self-centered, but it’s THE way top corporate leaders get things

done in the CEO’s office. You can use that method even if you’re one person working from

your kitchen table.

America is number one in business worldwide because we aren’t afraid to dream. We aren’t afraid

to be enthusiastic. And that immense, American enthusiasm is our greatest asset in our never

ending quest for wealth and financial security.

11 Reasons Small Businesses Succeed
  • Passionate leadership and a strong “why” .
  • Good management team.
  • Company mission and vision statement. .
  • Unique value.
  • Good market fit.
  • Sound strategy.
  • Marketing budget.
  • Strong financial planning and good financial health.
Jul 29, 2022

This site receive a small fee for sale of items on this site.



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.


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. …


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.


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