1 Year Treasury Rate is at 4.71%, compared to 4.71% the previous market day and 0.38% last year.

This is higher tha the long term average of 2.86%. The 1 year Treasury is a great opportunity

to save and earn a higher return on your earning with little risk. Just go to TreasuryDirect.Gov

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Will Social Security retirees get a raise in 2023?

Retirees on Social Security are going to get a huge benefits increase in 2023. Their monthly

checks will rise by 8.7%. This benefits increase is the biggest annual increase in retirement

payments in the last four decades.Dec 4, 2022

What will the Social Security raise be in 2023?

The first Social Security checks and bank deposits featuring the largest

cost-of-living-adjustment in 40 years will start arriving in January 2023. The average

retiree benefit is going up by $146 per month, to $1,827; while the average disability

benefit is increasing by $119 per month, to $1,483.Dec 13, 2022

When can I expect my refund with EIC 2022?

By law, we must wait until mid-February to issue refunds to taxpayers who claim the

Earned Income Tax Credit. Still not sure if you qualify for the EITC?Oct 31, 2022

The Earned Income Tax Credit (EITC) helps low- to moderate-income workers and families get

a tax break. If you qualify, you can use the credit to reduce the taxes you owe – and maybe

increase your refund. Did you receive a letter from the IRS about the EITC? Find out what to

do.Oct 31, 2022

What qualifies you for earned income credit?

To qualify for the EITC, you must: Have worked and earned income under $57,414. Have investment

income below $10,000 in the tax year 2021. Have a valid Social Security number by the due date

of your 2021 return (including extensions)Aug 31, 2022

What is 2022 earned income credit?

$560 to $6,935

The earned income tax credit, also known as the EITC or EIC, is a refundable tax credit for

low- and moderate-income workers. For the 2022 tax year, the earned income credit ranges from

$560 to $6,935 depending on tax-filing status, income and number of children. In 2023, the credit

will be worth $600 to $7,430.Nov 22, 2022

What disqualifies you from earned income credit?

Types of income that do not qualify as earned income for the credit include: Child support.

Retirement income. Social Security benefits.Dec 1, 2022

Who qualifies for Earned Income Credit 2022?

Can I claim the Earned Income Tax Credit? If you were married filing jointly and earned less

than $59,187 ($53,057 for individuals, surviving spouses or heads of household) in 2022, you

may qualify for this tax credit, or even for a refund check.Dec 1, 2022Debt negotiation specialists. Relax and have peace of mind while CuraDebt settles your debt.

What is Earned Income Tax Credit (EITC)?

The Earned Income Tax Credit (EITC), sometimes called EIC, is a tax credit for workers with low

to moderate income. Eligibility for the tax credit is based on various factors including family

size, filing status and income. When EITC exceeds the amount of taxes owed, it results in a tax

refund to those who claim and qualify for the credit. The credit is subject to income limitations.

How much do you get for earned income credit?

In 2022, the credit is worth up to $6,935. The credit amount rises with earned income until it

reaches a maximum amount, then gradually phases out. Families with more children are eligible

for higher credit amounts. You cannot get the EITC if you have investment income of more than

$10,300 in 2022.



What Are Existing-Home Sales? Existing-home sales data are a monthly measure of the sales

volume and prices of existing single-family homes, condos, and co-ops nationwide. But what

exactly are existing-homes? Existing-homes, unlike new homes, are homes that are owned and

occupied before coming onto the market.

What adds the most value to a home when selling?

The top five projects that add the most dollar value to a sale in 2022 are refinishing hardwood

floors, installing new wood floors, upgrading insulation, converting a basement to a living

area and renovating closets, according to a joint report by the National Association of

Realtors (NAR) and the National Association

What is the best program for first-time home buyer?

1. FHA loan. FHA loans are backed by the Federal Housing Administration and are considered more

secure than conventional loans because they are backed by the US government. They’re one of

the easiest mortgages to get approved

for if you’re a first-time homebuyer with a low credit score and minimal down payment savings.

What is a good credit score to buy a house?

620 or higher

It’s recommended you have a credit score of 620 or higher when you apply for a conventional loan.

If your score is below 620, lenders either won’t be able to approve your loan or may be required to offer you a higher

interest rate, which can result in higher monthly payments.

How can I build my credit fast?

Here are some strategies to quickly improve your credit:

Pay credit card balances strategically.

Ask for higher credit limits.

Become an authorized user.

Pay bills on time.

Dispute credit report errors.

Deal with collections accounts.

Use a secured credit card.

Get credit for rent and utility payments.



6 Month Treasury Bill Rate is at 4.51%, compared to 4.55% the previous market day and 0.16% last year. This is higher than the long term average of 4.

6 Month Treasury Bill Rate is at 4.52%, compared to 4.54% the previous market day
and 0.13% last year. This is higher than the long term average of 4.48%.

The International Association of Professional Debt Arbitrators.

What is the downside to debt relief?

Stopping payment on a debt means you could face late fees and accruing interest. Additionally,

just because a creditor agrees to lower the amount you owe doesn’t mean you’re free and clear

on that particular debt. Forgiven debt could be considered taxable income on your federal taxes.

How do you qualify for debt relief?

As noted above, to qualify for a debt relief program, you must be able to make a monthly payment

into a settlement fund, which will be used to settle with your creditors. For many consumers,

this monthly payment will be lower than the total monthly payments on their credit cards.CREATING WEALTH 2023-PLANNING FOR A PROSPEROUS NEW

How much does debt relief cost?

15% to 25%

Fees. No matter what debt relief solution you choose, it’s important to understand the fees

associated with it. Debt settlement services typically charge a percentage, usually 15% to 25%,

of the total amount you owe. For example, if you have $10,000 in debt and the company’s fee is

20%, the fee would be $2,000.

Does debt relief destroy credit?

It sounds like a good deal, but debt settlement can be risky: Debt settlement can destroy your

credit. Reaching a settlement can take a long time to accomplish — often between two to four

years. It can be costly.

How many points does debt relief hurt your credit?

Debt settlement can cause your credit score to fall by more than 100 points, and it stays on

your credit report for seven years. If your creditors close accounts as part of the settlement

process, this can cause your credit utilization to increase, which also negatively affects

your credit score.

Can I buy a house after debt settlement?

Can You Buy a Home After Debt Settlement? Absolutely! Lowering your debt can make a huge difference

when you’re ready to apply for a mortgage (what is a mortgage?). It’s probably been a difficult

journey getting debt relief, and like any time after you’ve completed a challenge, you want to

reward yourself.

Do you need good credit for debt relief?

No, you don’t need good credit for a debt consolidation loan, but it definitely helps. Good credit

means better loan offers and bigger savings on your debt. Bad credit limits your loan options,

and the remaining loans may have such high-interest rates that they aren’t worth it.



1 Year Treasury Rate is at 4.75%, compared to 4.72% the previous market day and 0.27% last year.

This is higher than the long term average of 2.86%. Stats

New filings were in line with consensus expectations, rising slightly to 211,000 in the week

ended December 3. This is up from the prior week’s revised total of …

Spending Less to Invest More

The process of generating wealth, which can be achieved with even minimal income,

requires commitment to basic measures. The measures that can lead to the generation

of wealth, if properly implemented are highlighted below.

It seems pretty obvious that budgeting should be one of the top measures implemented

to spend less and invest more.

As cliche’ as budgeting may seem, it still serves as an established means of spending

less of one’s income and investing more of the income.

For budgeting to be effective, a budget has to be functional and include all kinds

of expenditure, from the emergency expenses to the regular expenses.

Penalties for exceeding the budget should also be stated and implemented

appropriately. An effective budget should be a proper reflection of one’s financial

habits and should aim towards cutting unnecessary expenses.

Allocating funds to separate accounts

Having separate accounts, especially savings account, where different categories

of funds can be kept is another measure that can be implemented to ensure the most

minimal spending.

The allocation of funds to different accounts works better when measures for

ensuring that the allocated funds for a specific purpose are not used for other


For example, an account where regular savings are kept should not have a debit

card to ensure against undue withdrawals.

Restricting luxury expenditure

It has been well established that living below one’s means is a clear-cut method

of building wealth.

In achieving less expenditure and more investments, it is thus important to implement

practical methods of restricting undue spending.

One of such methods that can be implemented is the taxing of such undue expenses.

Taxing these expenses increases the cost of undue expenses thus restricting one

from engaging in them.

For example, for every family vacation, for example, a certain amount must be

put into the savings account, to balance up that expense.

Thus, whenever one thinks of a family vacation, they would consider the cost of the

vacation as well as the saving equivalent and plan properly towards such expenditure.


As much as it is important to save, it is more important to invest savings. A saying

goes thus, “No one ever get wealthy from leaving money in a savings account”.

The mindset of continuous and long-term investments is a necessary mindset for

developing wealth. While investing, it is important to implement certain

important measures such as balancing one’s saving portfolio with long and

short-term investments.

It is also important to focus on low-risk investment options and seek appropriate

financial advice as necessary.

Reducing debt

A common feature of the different types of loans is the interest they attract. As

a result, reducing debt is an effective measure for ensuring less expenses, saving

more and investing more.

Debt reduction measures should be applied across all forms of debts, from credit

card debts to college loan debts.

A certain proportion of one’s regular income should thus be set aside for servicing

debt and ensuring a healthy credit profile.

Ultimately, financial freedom can be attained when one adopts measures of appropriating

income to achieve the most minimal spending and best saving.PLEASURE READING SOME KINDLE FREE BOOKS YEAR 2023






In the week ending December 10, the advance figure for seasonally adjusted initial claims was 211,000, a

decrease of 20,000 from the previous week’s revised level. The previous week’s level was revised up by

1,000 from 230,000 to 231,000. The 4-week moving average was 227,250, a decrease of 3,000 from the

previous week’s revised average. The previous week’s average was revised up by 250 from 230,000 to


Retail sales fell 0.6% in November as consumers spent less.

7 hours ago — Retail sales for November declined 0.6%, even worse than the Dow Jones estimate for

a 0.3% drop. · Weekly jobless claims fell to 211,000.

What happens when consumers save more?

As personal saving contributes to investment, all else equal, a higher saving rate will result in

a higher level of physical capital over time, allowing the economy to produce more goods and services.

Why is it important for consumers to save money?HOW MUCH WILL YOUR SOCIAL SECURITY RAISE BE IN 2023?

Saving money is a great place for consumers to start, or continue, to work on their finances. Using

money that you’ve set aside to pay for unexpected expenses or to make a large purchase can help you

avoid debt. And, knowing that you’re saving for long-term plans like college or retirement can give

you peace of mind.

Savings-Related Resources – FDIC

How much savings do consumers have?

In Q2 2022, total savings was $1.7 trillion. Across the entire timeline, the majority of savings

are held by the top two income quartiles, but the bottom two still have significant amounts.

Americans are still collectively sitting on $1.7 trillion in excess savings built up over the

pandemic. Oct 31, 2022
Do people save more or less in a recession?

Consumers in Vulnerable Position Should Recession Happen

One of the more troubling aspects of this week’s survey results is not only are consumers spending

their savings, but they’re also saving less than they were before. Oct 20, 2022How can wise consumers
save money?

Tips on how to be a Smart Consumer

products that have long life spans – avoid disposable items.

Buy products that have minimal packaging.

Buy products in their concentrated form.

Buy only what you need. Consuming less, you dispose of less waste.

Consider buying in bulk for those necessary purchases.

How to be a Smart Consumer | City of Irvinehttps://www.cityofirvine.org › environmental-programs

Do you pay tax on T-bills?

Like other low-risk investments, such as savings accounts and certificates of deposit (CDs),

T-Bills often earn relatively low interest; unlike with those other options, however, interest

earned by a T-Bill is not subject to state or local taxes, although it is subject to federal income tax



How does restrictive monetary policy affect inflation?
Restrictive monetary policy instruments

This has the effect of slowing down the granting of credit to economic agents, as the cost of credit is higher. It is therefore a way to slow down the expansion of the money supply and thus to fight inflation.

Which of the following are functions of restrictive monetary policy?

It reduces the amount of money and credit that banks can lend. It lowers the money supply by

making loans, credit cards, and mortgages more expensive. That constricts demand, which slows

economic growth and inflation. Restrictive monetary policy is also known as contractionary

monetary policy. Federal Reserve issues FOMC statement – December 14, 2022https://www.federalreserve.gov › files

19 hours ago —

policy that is sufficiently restrictive to return inflation to 2 percent … tightening

of monetary policy, the lags with which monetary

What are the 4 policy tools of the Federal Reserve?

Central banks have four main monetary policy tools: the reserve requirement, open market

operations, the discount rate, and interest on reserves.

What are the 3 mandates of the Federal Reserve?

Image result for Federal Reserve sufficiently restrictive policy

The Federal Reserve Act mandates that the Federal Reserve conduct monetary policy “so as to

promote effectively the goals of maximum employment, stable prices, and moderate long-term interest

rates.”1 Even though the act lists three distinct goals of monetary policy, the Fed’s mandate for

monetary policy is commonly.

Which policy tool is the most used by the Fed?

Key Takeaways

The primary tools that the Fed uses are interest rate setting and open market operations (OMO).

The Fed can also change the mandated reserves requirements for commercial banks or rescue failing

banks as lender of last resort, among other less common tools..

What is an example of restrictive monetary policy?

An example of restrictive monetary policy is when the Federal reserve raises the bank’s reserve

requirements (which reduces the amount of money banks have to lend to consumers) or raises the

How does restrictive monetary policy affect inflation?

Restrictive monetary policy instruments

This has the effect of slowing down the granting of credit to economic agents, as the cost of credit

is higher. It is therefore a way to slow down the expansion of the money supply and thus to fight inflation.


What is the Federal Reserve funds rate now?

When inflation is too high, the Federal Reserve typically raises interest rates to slow

the economy and bring inflation down. When inflation is too low, the Federal Reserve typically

lowers interest rates to stimulate the economy and move inflation higher.

Effective Federal Funds Rate is at 4.33%, compared to 3.83% the previous market day and 0.08% last year. This is lower than the long term average of 4.60%.


How does the Russell 2000 work?

The Russell 2000 is a stock market index that tracks the performance of the

smallest publicly traded companies in the United States. Created in 1984, the

index is widely considered to be the most comprehensive barometer for the

performance of the small-cap sector of the economy.

It’s set as a range between an upper and lower limit. The federal funds rate is currently 3.7% to 4%

U.S. payrolls surged by 261,000 in October, better than expected as hiring remains strong

What is the job outlook for 2022?

How many unfilled jobs are in the US in 2022?

10.7 million

Job openings decreased to 10.7 million in June 2022 : The Economics Daily: U.S. Bureau of

Labor Statistics.

What is causing the worker shortage?

Typically, a labor shortage occurs when there are not enough available workers participating
in the labor market to

meet the demand for employees. For example, in the United States, there are nearly 11 million

job vacancies, but only

6.5 million workers are listed as unemployed in 2022.

What was the highest federal funds rate in history?


Key Takeaways. The highest fed funds rate was 20% in 1980 in response to double-digit inflation.

The lowest fed funds

rate was zero in 2008 and again in March 2020 in response to the coronavirus pandemic. The FOMC

announced in

November 2022 that it would continue to raise interest rates in response to rising inflation.

s federal funds rate the same as interest rate?

The fed funds rate is the interest rate that depository institutions—banks, savings and

loans, and

credit unions—charge each other for overnight loans. The discount rate is the interest
rate that

Federal Reserve Banks charge when they make collateralized loans—usually overnight—to



How many people are employed in the U.S. 2022?

about 158.94 million people

U.S seasonally adjusted monthly number of employees 2021-2022. In September 2022, about 158.94

million people were employed in the United States.


The New York Times bestselling author of The 4-Hour Body shows readers how to live more and work less, now with more than 100 pages of new, cutting-edge content.

Forget the old concept of retirement and the rest of the deferred-life plan–there is no need to wait and every reason not to, especially in unpredictable economic times. Whether your dream is escaping the rat race, experiencing high-end world travel, or earning a monthly five-figure income with zero management, The 4-Hour Workweek is the blueprint.





The 4 economic theories are supply side economics, new classical economics, monetarism and Keynesian economics.


What are the 3 types of poverty?

There are multiple types of poverty.

Situational poverty.

Generational poverty.

Absolute poverty.

Relative poverty.

Urban poverty.

Rural poverty.

How do I apply for Job Corps?

To enroll, call 1-800-733-JOBS [5627] or visit the Recruiting and

Enrollment Interest page. People who are hearing-impaired may call this

toll-free TTY number: 1-877-889-5627

Job Corps is the largest Free residential education and job training program

for young adults ages 16–24. We connect you with the skills and education.

The US economy is on record pace to end 2022 with the most jobs created in any

12 month period. Get ready for 2023 when we see more than 300,000 jobs created

each month in the United States. Returning manufacturing from overseas, exporting

more goods/services, chip manufacturing, infrastructure spending, not to mention

the billions of dollars states have in surplus. The Federal Reserve will raise

the Federal Fund rate in 2 weeks, again in January and February of 2023 stalling

out inflation which will only boost the United States of America Economy.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. Your definition of GDP is FLAWED. Two quarters generally only make a

recession if GDP falls enough to impact the economy. First quarter and 2nd quarter

of 2022 GDP did fall but job creation was great and 3rd quarter GDP and job

creation was awesome. Families are cutting spending, paying down debt and building

cash reserves. It is unclear why so many reducing debt. Yes, I agree every year

people over spend during the months before Christmas. As to labor Job Corp which

is a free government training program for 16 – 24 years and have trained over 2

million is ONE solution to labor shortage. The United States economy need more

skill labor and opportunity for those lack skill training. Job Corps—Suggested—16

to 30 years and double the budget from infrastructure bill, Inflation Reduction Act

and the Chip Bill.
What is a recession in the economy?

Image result for recession definition economics

A recession can be defined as a sustained period of weak or negative growth in

real GDP (output) that is accompanied by a significant rise in the unemployment

rate. Many other indicators of economic activity are also weak during a recession.



What is the fastest way to build wealth?

5 Tactics to Build Wealth Fast

1) Pay off high interest debt now. …

2) Establish an emergency fund for liquidity. …

3) Mercilessly cut spending on things that don’t serve you. …

4) Seek out higher income streams. …

5) Invest money as soon as you get it.

I would love to see the Federal Reserve bring inflation under control. I would

love to see the Federal Reserve bring inflation back to 2% – 3% level. At the

same time the strong dollar (Nov 24, 2022), Number of jobs created (Oct 24, 2022),

the chip bill, Inflation Reduction Act, Student Loan Forgiveness, and exports

increasing/imports going down and the Federal Fund Rate of 3.75% all stimulate

the USA Economy. The only solution I see is the consumer cutting spending, paying

down debt and building cash reserves. This will slow down demand and allow the



What are the 5 positive quotes?

Image result for inspirational quotes

Short motivational quotes

  • “Just one small positive thought in the morning can change your whole day.” — …
  • “Opportunities don’t happen, you create them.” — …
  • “Love your family, work super hard, live your passion.” — …
  • “It is never too late to be what you might have been.” —

What are good short quotes?

Here are 55 of my favorite short quotes for you to read, remember and retell:

Love For All, Hatred For None. …

Change the world by being yourself. …

Every moment is a fresh beginning. …

Never regret anything that made you smile. …

Die with memories, not dreams. …

Aspire to inspire before we expire.

What is inspiring in life?

To live an inspiring life means that you are living life to the fullest. It

also means that you are living a meaningful life that is based on your passion

and your life’s true calling. By doing so, you can feel the happiness most

people are just dreaming to have.

What is positive inspiration?

Being positively inspired is when someone is making progress towards their

immediate, conscious goals and awakening to something new, better, or more!

What are some unique quotes?

Image result

Being Unique Quotes

“What sets you apart can sometimes feel like a burden and it’s not. And a lot

of the time, it’s what makes you great.” — Emma Stone. …

“In order to be irreplaceable one must always be different.” – Coco Chanel. …

“Always remember that you are absolutely unique. Just like everyone else.” –


How much should my cash reserves be?

Key Insights. An emergency fund can serve as your personal safety net during periods of financial stress. While you’re working, we recommend you set aside at least $1,000 for emergencies to start and then build up to an amount that can cover three to six months of expenses.

Bloomberg on Bank of America’s flow data: The “Rush to Cash Is Now at Fastest Pace

Since Pandemic.”

What is not clear is how far this phenomenon has run/can run … which, of course, is

critical for determining when this negative technical turns into a positive one for markets.

How do you build cash reserves?

It is important you build a cash reserve in order to improve the financial security of

your business.

How to build up your business cash reserves in 5 simple steps

Improve debt management. …

Have a tight invoice. …

Consider invoice finance. …

Cut down your expenses. …

Ensure you pay back your reserve.What does it mean to have cash reserves?

What Are Cash Reserves? Cash reserves refer to the money a company or individual keeps

on hand to meet short-term and emergency funding needs. Short-term investments that

enable customers to quickly gain access to their money, often in exchange for a lower

rate of return, can also be

called cash reserves

How do you maintain cash reserves?

Set a Monthly Target

Aiming to put aside whatever money is left each month is not going to work. It would be best

to budget your transfer to cash reserves in the same way you budget for costs. So, include

a specific amount of cash to transfer to your reserve account each month in your forecasts

Where can I invest cash reserves?

Money market funds are a good option as a secondary savings account or to hold a portion

of your emergency money. They’re offered by mutual funds and investment companies. The

funds invest in debt: super-safe, short-term Treasury bills, plus short-term municipal

and corporate debt (also known as “commercial paper”).

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“7 Ways To Convert Your Traffic Into Cash

If you have a website, you can profit from even the tiniest number of visitors it receives simply by not wasting that traffic…

Ewen Chia, blog, marketing, web marketing, internet marketing, affiliate marketing, online marketing, make money online, make money on the internet

If you have a website, you can profit from even the tiniest number of visitors it receives simply by not wasting that traffic.

The KEY is in leveraging on each visitor and making sure you have a monetization strategy in place. Once you get this, you can make any website profitable with a little effort.

Here are 7 basic ways in which you can profit from your traffic today:

1. First, you can sell a product or service to your visitors. This is the best way to cash in from your own product. Usually, an e-book or software works the best – they can be downloaded right away without hassle and shipping charges.

2. Opt-In list

It is crucial you try to convert every visitor of yours to a subscriber of your mailing list. The most important asset that an Internet marketer has is his or her list of subscribers. They define whether you will go far in the venture.

With an opt-in list, there are tons of ways you can profit further into the future. You can build repeat customers and turn your list members into partners for your products. For an example of a good opt-in page.

3. Viral marketing

You can provide a free product or bonus on your site to be downloaded by your visitors. Usually, it’ll be an e-book where people can read from and learn useful information. In this bonus, you include give away rights and urge readers to give it away to anyone they want to. This way, you increase your own traffic, publicity, and branding without needing to spend a cent.

4. ‘Pay-per-click

In this case, you get paid when your visitors click on ads you place on your site. There are many advertising programs that give you a percentage of the profits based on click-through, including Google Adsense, Chitika, Yahoo Publisher Network, and Kontera.

When people click on the ads shown from either of these advertising programs, they will earn money. And if your site receives good traffic, these programs alone can bring in huge paychecks to you.

5. Offer an advertising space

Targeted niche websites with high traffic can ‘rent’ a portion of space on their web page to advertisers. For example, you can charge $300 per month in advertising fees if your web page is pulling more than 2000 visitors a day. I use this strategy at my Online Marketing Secrets blog.

Other than that, you can also generate advertising revenue using exit pop-ups. By doing this, you won’t clutter your website with too many ads and spoil the visitor’s experience.

6. Affiliate marketing

If you don’t have your own products for sale yet, you can sell other people’s products instead and receive a commission on every sale. With affiliate marketing, you have an unlimited source of products to sell and you don’t need to go through any fulfillment issues after your sales.

One of the best affiliate marketing training resources can be found where I provide continual education on affiliate marketing to members.

7. Pay-per-lead

Instead of earning money from click-through, you are paid if your visitors subscribe to other people’s mailing lists.

Alternatively, there are a lot of big companies like Coca-Cola who need surveys to be done, and by referring your visitors to complete surveys, you can also earn good profits from your website.



10 Ways To Reduce Tax Burden For Your Small Business

An ideal lawyer will not just have a string of impressive credentials or gold lettering on his door. He or she will be caring, concerned, and devoted to their work. You need to think carefully before laying your trust in a lawyer after all in some cases your life, future, money or property will be in his hands.

Legal Advice Forum, legal advices, legal information, lawyers, laws, tax, legal insurance

An ideal lawyer will not just have a string of impressive credentials or gold lettering on his door. He or she will be caring, concerned, and devoted to their work. You need to think carefully before laying your trust in a lawyer after all in some cases your life, future, money or property will be in his hands.

Apart from doing extensive research to short list possible lawyers you must ensure that there is not conflict of interest, that you understand everything the retainer agreement states, and that you have checked the references and details regarding the practice.12/11/2022 1 YEAR TREASURY RATE/6 MONTH TREASURY BILL RATE

You will know the lawyer you have chosen is the perfect one if:

1. He makes an effort to spend time to understand your case himself. He will not assign a legal assistant to take facts of the case down.

2. From experience and knowledge he will know what is relevant and what is not. He will set aside and ignore irrelevant facts, opinions, and personal emotions that cloud the case on hand.FREE INFORMATION

3. He will insist that the footwork for the case be done thoroughly. All facts must be checked for accuracy and solid arguments jotted down with backing of earlier rulings.

4. He will not just focus on the problem at hand but examine the problem from all sides. This will create a complete picture highlighting all factors of relevance and the different ways one can approach the case. Continue reading “BABY BOOMERS — STARTING A BUSINESS — 10 WAYS TO REDUCE TAX BURDEN FOR YOUR SMALL BUSINESS — 2022-2023”



Are you Serious about Customer Service

Is your online company really serious about Internet customer service? When it comes

down to it, excellent customer service is pretty much the only way you will convert

visitors to customers.

Customer Service, Business, Live Chat

Is your online company really serious about Internet customer service? When it comes

down to it, excellent customer service is pretty much the only way you will convert

visitors to customers.

You can also increase your ROI and improve online sales with excellent customer service.

If you are truly serious about offering quality customer service, your best option

would be customer service software.< With customer service software you can reduce

customer service costs and increase your conversion rate at the same time.

All the while, you will be making your customers happier, which will lead to more sales


Customer service software helps small businesses and large businesses alike
by offering customer service messenger, support messenger and support messenger.

These offer 24/7 customer service to customers and potential customers. They can

also allow you track customers online and track consumer behavior online as well.


Customer service software can offer live chat help and/ore animated avatar help,

animated avatar service, animated avatar support and animated avatar guide.

Many people prefer the avatar because it makes them feel more like they are talking

to an actual person. Serious quality customer service means a serious customer service

solution. Consider customer service software for your online business if you would

like to convert visitors to buyers and improve your ROI.2nd 8% OFF?3rd 20% OFF?5th 60% OFF



Glam is Back!

Starting a business after retirement is an excellent way to earn extra income,

supplement your retirement savings, reduce your tax bill, improve your mental

and physical health, and pursue your dream of becoming an entrepreneur while

passing on your skills and knowledge to the next generation.

Is 70 too old to start a business?

No, it is never too late to start a business! The data shows that the highest rate

of entrepreneurship worldwide is inthe 55-64 age group and the over-50 age group is

twice as likely to be successful. Sometimes people newly retiring from

a fast-paced career find retirement to be too slow.

How do you know when to start your own business?

14 signs it’s time to start your own business

You’re excited about your idea.

You have a business plan.

Your product or idea has a market.

You understand the competition.

You are able to take on financial risk.

You look good to lenders.

You understand the risk of failure.Down to $9.99


What is the main problem of monetarist policy?

One difficulty with such a policy, of course, is that the Fed would be responding to past economic conditions with policies that are not likely to affect the economy for a year or more. Another difficulty is that inflation could be rising when the economy is experiencing a recessionary gap.

What does the dollar index do?

The dollar index tracks the relative value of the U.S. dollar against a basket of
important world currencies. If the index is rising, it means that the dollar is
strengthening against the basket – and vice-versa.


What is the basic definition of economics?

Economics is the study of scarcity and its implications for the use of resources, production

of goods and services, growth of production and welfare over time, and a great variety of

other complex issues of vital concern to society.

What is the meaning economic theory?

What are the 4 economic theories?

The 4 economic theories are supply side economics, new classical economics, monetarism and

Keynesian economics.

Supply-side economics is a theory that maintains that increasing the supply of goods and

services is the engine for economic growth. It advocates tax cuts as a way to encourage

job creation, business expansion, and entrepreneurial activity.

Keynesians believe that, because prices are somewhat rigid, fluctuations in any component

of spending—consumption, investment, or government expenditures—cause output to change.

If government spending increases, for example, and all other spending components remain

constant, then output will increase.

What is classical economic theory?

What are the main features of classical economics?

It focused on economic growth and economic freedom, advocating laissez-faire ideas and belief

in free competition. The classical economic theory propagated the countries to move from

the monarch rule to a capitalistic democracy factored with self-regulation.

What does consumer mean in economics?

Consumers are people who buy or use goods and services to satisfy their wants. When you eat

your dinner, you will be a


What is the study of consumer economics?

Image result for consumer economics definition

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.



How much do retirees pay for Medicare?

The Centers for Medicare and Medicaid Services has announced the standard Medicare

premiums for Part B beneficiaries will be $164.90 a month in 2023, down $5.20 from

the $170.10 monthly charge in 2022, or about 3% less.

Do you still pay into Medicare after 65?

Many people enroll in Medicare Part A at 65, even though they have employer coverage,

because it’s free unless they or their spouse has paid fewer than 40 quarters of Medicare

taxes. However, they may decide to wait if they want to continue contributing pretax

dollars to a health savings account (HSA).

Why is Medicare B free?

Medicare Part B is only free if you have a low income and are enrolled in one of the Medicare

Savings Programs for financial assistance. Eligibility for these programs varies by state,

and some states make it easier to qualify because of higher income limits or by eliminating

the asset requirement.

What happens if you don’t enroll in Medicare at 65?

Generally speaking, if you do not sign up for Medicare on time, you may have to pay a 10%

surcharge on Medicare Part B premiums for each year you go without coverage starting the

month you’re eligible for coverage. You’ll have to pay this penalty each time you pay your

premiums as long as you have Part B.

Should I keep my health insurance if I have Medicare?

There is no compulsion to have other health insurance legally speaking. However,

most people will want to have additional health insurance even when they have Medicare.

This is because Medicare doesn’t cover everything that most retirees would like covered.


The core inflation rate is the price change of goods and services minus food and energy. The prices of food and energy products are volatile; they change so quickly that including these categories can skew an accurate reading of the true severity of inflation.

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What is core inflation vs inflation?

Image result for core inflation

One common way economists use inflation data is by looking at “core inflation,” which is

generally defined as a chosen measure of inflation (e.g., the Consumer Price Index or CPI,

the Personal Consumption Expenditures Price Index or PCEPI, or the Gross Domestic Product

Deflator) that excludes the more volatile …