It is a must, and it is wise

22 October, 2014 (08:27) | personal finance investment | By: admin

It is a “must,” and it is wise, for governments to give their major cities the financial

support to help them thrive, and to help preserve a nation’s cultural traditions, which,

although generated in past centuries in the villages, can now be best preserved by and

in major cities.

A nation’s cultural traditions “exist” only as a result of being contrasted to. Namely,

we are aware of our own cultural traditions because we have learned about and are

reminded of other cultural traditions. This can be done only in the “major cities,”

however. In the widely scattered villages, on the contrary, a nation’s cultural

traditions can be things unaware of, or simply be ignored, due to the lack of such

contrast. It follows that a nation’s cultural traditions exist primarily in major

cities, and it is primarily in cities that a nation’s cultural traditions should be


Like always, the first question is money: From whom can money be collected for the

preservation? From citizens of major cities, who yearly spend large sums of money

visiting ancient palaces, museums, and great temples, going to theaters to watch

national operas, and attending concerts to enjoy national music, which represent a

nation’s cultural traditions. With this money, the major cities will be able to have

their ancient palaces and temples maintained and repaired, and to support national

operas and music when their audiences decline, so that they will go on representing a

nation’s cultural traditions.

In economically hard times, however, these citizens won’t visit these places, nor will

they go to theaters and concerts. In modern times, city citizens can afford to do these

only when their cities are “thriving,” because it is when their cities are prosperous

that the citizens will have, and be able to keep, their precious jobs, and earn good

wages on them. Then, it is only too natural that governments ” must ensure that their

major cities receive the financial support they need in order to thrive. “

And it’s extremely worthwhile for the governments to do so because, when citizens are

rich enough, they will not be satisfied with visiting culturally interesting places in

their own cities, but will go to other such places all over the country. Nowadays, as a

result of the fact that millions upon millions of well-off city people are spending

generously on their visits to these places, a great, new industry, ” tourism,” has been

thriving and greatly contributing to the revenues of governments. In some countries,

this contribution is just “considerable. ” In many others, it constitutes the major part

of the national revenue. Indeed, governments have got in many times as much money as

they give to major cities in the form of “financial support” to help them thrive.

More importantly, with the thriving of tourism, we city people arrive at remote

villages, bringing along with us our children and parents, sometimes accompanied by

foreigners, as long as there is anything that is culturally significant in those places.

There we listen to folk songs, watch folk dances, and eat whatever novel things those

folks eat. We have some of the songs recorded, and sell them all over the country, with

some reaching many other countries. We have the nicest of the folk dancers televised,

and have them TV showed. And we give talks and write books about things and people we

come across there, all because they are part of a nation’s cultural traditions. In fact,

never before have culturally interesting places been so hotly visited and talked about,

and never before have they received so much money directly from tourists and indirectly

from governments – and been so efficiently preserved.

Can a government do anything wiser?

About the Author

Drive from:chinese-opportunity It is a

“must,” and it is wise, for governments to give their major cities the financial support

to help them thrive, and to help preserve a nation’s cultural traditionshref=””>surprise for you

Get Your Finances Stabilized With the Free Government Money

22 October, 2014 (06:42) | personal finance investment | By: admin

Every year the government of the United States of America sets aside millions of dollars to be utilized as grant money. The masses undergoing a financial crisis are helped with the grant money. This is not distributed to the people randomly, but is given to those who apply for it.

What is unique in about these grants is that they are not to be repaid. Also, no security checks and income verification is done before granting the free money. It requires no co-signer or collateral, so in short the application process is quiet easy.

These grants cater for the well-being of people from diverse backgrounds. Thus, there is a different sort of grant for people of different lifestyles. Teachers, students house wives, businesses, organizations; they all have a unique grant to fulfill their needs. There are housing grants, grants that pay your energy or educational bills, or those, which help you in setting up a new business.

To obtain these grants, one has to do a bit of self-search. This is because they are not advertised. There are many websites dealing but you are advised to visit the a genuine website so you may get the latest and accurate information on these grants

Once you find the relevant grant, apply for it attaching all the asked documents. Mail it in and if you are selected, you may receive a check in your mailbox within a week. Make sure you use the grant for the purpose you have already stated. This is because you can apply for multiple grants at the same time, and even reapply after receiving one. Therefore, if you are caught deceiving the agencies, you might never be considered for a grant ever again.

>>> Let me show you how to get $12,000 Free []Government Grant from the US Government as little as 7 days. []Click here now!

About the Author

<strong>Let me show you how to get a $12,000 Free Government Grant from the US Government in as little as 7 days. Click here now

5 Wealth-Building Millionaire Secrets You Didn’t Know You Knew

21 October, 2014 (01:18) | personal finance investment | By: admin

Do you daydream of becoming a millionaire? Of course you do, its everyone’s ultimate fantasy. Some people spend hundreds of dollars on lottery tickets while others climb the corporate ladder with hopes of one day becoming a millionaire. Winning the lottery may not be realistic but becoming a millionaire is NOT impossible, it can be accomplished if you think long term.

In fact, you might already be doing some of the things that it takes to make your dream of joining the millionaire club come true – without even knowing it. How do regular, working-class people become millionaires?

Here are five surprisingly simple, wealth-building secrets of self-made millionaires that you didn’t know you knew:

1. Spend less than you earn – Pretty obvious right? Like anyone with good sense you’re probably doing this already. However, it’s not enough, the key here is to spend significantly less money than you bring in so you can save and invest as much as possible. To do this you have to find ways to maximize your earnings while keeping your spending at a minimum.

2. Forget about the Jones’ – People with millions in the bank didn’t get their by keeping up with the Jones’. You have to decide if its more important to have lots of money or just look like you do. Expensive and extravagant purchases do nothing more than impede your progress to building wealth.

3. Develop multiple income streams – You could be very smart with your money and make all the right decisions financially but relying solely on the income from your day job to build wealth might not be enough. You need to develop other streams of income. There are countless ways to do this but some examples include, investing in income properties or starting a web-based business or revenue generating website.

4. Pay yourself first – If you’ve read any of David Bach’s books you understand the value and importance of paying yourself first. The premise behind this is that you make yourself you top financial priority (as you should be) and pay yourself before paying any of your other bills. You do this by authorizing your bank to transfer money from your pay into a savings account. Ultimately this money should be used for investing.

5. Invest your money wisely – Investing wisely is essential, the right investments can make you rich the wrong ones can cause you to lose it all. That’s why its so important to get the right advice, you’ll definitely want to get help from a certified investment advisor to develop the right investment strategy and portfolio for you.

How well you live by and adhere to the first four secrets will tip the odds even further in your favor by maximizing the amount of money you can invest.

How successful you are as an investor is largely dictated by market conditions and things beyond your control. However, the things you do control such as the amount of money you invest, when you invest, the investments you choose and who you invest with all have direct impact on your success as an investor – so choose wisely and your dream of becoming a millionaire may soon come to fruition.

About the Author

Remy Roy is a self-proclaimed money saving and budgeting ninja/guru, webmaster and author on the interwebs who likes to write about what else? – MONEY! You can find lots of great money saving ideas, budgeting and debt management tips on his website at

Earn Extra Cash with Blogging

19 October, 2014 (22:52) | personal finance investment | By: admin

These days it seems like the internet has all but disappeared and has been replaced with blog after blog on a myriad of topics. Some of these blogs are personal pages that document everything from one’s family get togethers to a person’s passion for raising pygmy goats. The other side of the coin is made up of commercial blogs that are specifically designed to make money through advertising. These blogs can be quite lucrative and best of all can be started by anyone with basic writing skills and a passion for a subject.

The first step to making a lucrative blog is to get people to visit it. The more visitors, the more the blog will be worth to advertisers and therefore the more money you can charge for ad space. To get people to visit your site, you need to offer good content. The more informative a blog is to readers, the more hits you will generate.

A good starting method for advertising is to enlist the services of pay per click systems such as Google Adsense. Individual advertisers may not be ready to shell out money until you build up a substantial reader base, but in the meantime you can begin earning using these services. Every time a visitor to your blog clicks a link, you earn revenue. This can range from a fraction a cent to several cents per click, depending on the link.

A lot of companies will pay you a portion from the sale of their products. You promote their products on your site and each person that you refer from your site to the company who buys the product will earn you money. Often these commissions can be quite substantial.

If you have a site that is particularly useful to people, there is nothing wrong with asking them to contribute money to keep it up and running. Many users are happy to donate $5 to a site they use frequently. A site that has several thousands of visitors each day can quickly translate into big money.

If you are a provider of other services, a blog is a great way to promote them. Though the blog doesn’t necessarily earn you money directly, the increase in business that it generates makes it worth the effort. Many professionals such as lawyers use this method to attract customers.

The internet is a cash cow for people who know how to take advantage of the opportunities. Blogging is currently one of the best ways to make cash and is easily accessible to everyone. Even if you don’t think anyone would want to read what you have to say, try it. You may be surprised with a nice little check.

About the Author

Lindel Garvint wrote this article for Ratelines has been a valuable source of financial information for nearly 6 years. For <a href=” on great cd rates visit Ratelines.

Online stock brokers India is an innovative way of trading

18 October, 2014 (23:38) | personal finance investment | By: admin

Online stock brokers India is an innovative way of trading. First people used to go and meet the stock brokers physically if they wanted to purchase some shares. This used to take up a lot of time and energy. And also meeting the stock broker would be difficult. But many people are opting for online stock broking.

Stocks broking India who works online makes trading fast. One can take any advice one wants online. Once you are a member of the site you can easily see all the information about a particular share, security or a commodity. It does not even take time and you don’t have to meet anyone physically.It also makes it enjoyable since it is simple.

They works online provides a lot of online facilities. Basically the stock brokers are the banks who provide online services which are efficient and are provided at competitive rates. One can easily pay online and there is complete security for that. One can easily know the opening and closing dates of the availability of shares. Hence one can buy the shares at right time and sell it off when it is advised online.

Online Stocks brokers India helps the amateurs. There is a lot of information available on the website one needs. Accessing this information becomes very simple. One does not need to switch on the television every time and see how the stock market is faring. The entire information of the day’s update is available on the website. People who know nothing about stock broking can learn about it online.

Stocks brokers India who provides online services helps people in trading. People who always want to trade and have no time to go and meet, they can avail these services and benefit from them. They can buy, sell, and view the cost of shares online. It can be quite lucrative and money spinning, once you understand the fundamentals of stock broking.

About the Author

Sushil Finance provides excellent environment and services for equity trader whether he is an investor or a day trader. to know more visit here :

Found your dream home? Time to look at house insurance

18 October, 2014 (15:43) | personal finance investment | By: admin

This article is based on my research and does not constitute financial advice. I have included links to as I feel they may be helpful to the reader for general information purposes only.

There are many challenges first-time buyers face when getting their foot on the property ladder, but securing a house insurance policy need not be one of these – particularly with all the facilities available that are designed to help. Heading online to compare home insurance options can be one savvy move, but surfers may first need to equip themselves in advance with a little knowledge.

One initial obstacle you might face as a consumer in the market for a new home is what mortgage option to go for, so an understanding of phrases like fixed rate, tracker and standard variable will be essential moving forward. When it comes to searching out your dream property itself, you will also come up against all kinds of terminology from gazumping to HIPs. In these cases it’s likely you’ll soon be schooled in a language you knew may have known nothing of beforehand – but is this the case when it comes to ensuring your final purchase is protected?

Well, initially you might be wondering if arranging cover is absolutely necessary, but thinking about things logically should provide you with an answer. Your first home will be one of the biggest and possibly most important purchases you ever make, and although you may not live in the same building for the rest of your life, protecting your investment should be second nature. By opting for a good house insurance policy, you may be able to ensure you’re not facing debilitating bills at a later stage. This is because a plan can be selected that would help you cover the costs of rebuilding your property should a fire or spell of extreme weather conditions cause serious damage.

Of course, this is the type of cover you would expect to find in any good buildings insurance package. But you may find a joint plan that also takes home contents into consideration is more appropriate for your needs. Once you have moved into your property, the next expense can be filling it with things you need, and whether these are electrical items, furnishings or fixtures, you will need to make fully sure you are not forced to start again from scratch with no financial help should something unforeseen occur.

With all this in mind, it is clear that once you have selected the right mortgage and property, one of the next steps should be either buildings or home contents insurance – and you might find that opting for both gives you the most peace of mind as you make your first abode your own.

About the Author

Noel Mellor is a writer, editor and podcaster from Manchester, England. Having produced and revised copy for a number of major financial institutions, he is highly experienced across a range of economic matters. Noel’s money saving tips are especially focused around fixed rate ISAs and to find the best savings accounts

A Life Insurance No Exam Is The Right One For Everybody.

17 October, 2014 (12:16) | personal finance investment | By: admin

here are many aspiring applicants, whose application for life annuities have been denied by the insurance company. To get the approval from the life insurance company may be very difficult for some as one of the requirements is to have a healthy and fit body status. This is not applicable while applying life insurance no exam. The only aspect that is considered in life insurance no exam is the repaying capacity of the insured and health condition is not given importance in this type of policy.

Life insurance no exam is comparatively costlier than term life annuities. The insured must have the economic status to pay this increased premium. If an individual does not have the fit health condition needed or the method to pay for extra premium cost, he/she does not have to take up life insurance at this time of their life.

For a certain insurer to obtain a low costing life annuity, he must undergo through the application procedures. He must qualify for the medical examination that is used to determine his proof of insurability. Then, upon passing this step, his capacity to pay or the verification of his monthly income comes next. It is very important for the insurer to afford the life annuity because failure to pay its monthly fees may lead to penalties and this does not make the life annuity cheaper.

One of the reasons why one should get life annuity is because of the fact that your family is secure, if there is an unexpected incident that happens to you during the term, your beneficiary can get the cash benefit. Prior to applying just make sure of the following points.
1. Find out from your friends on how to get your choice of life insurance
2. Give a visit to the life insurance office by yourself.
3. Visit websites and get to know all that you need about life annuity.
4. Take professional help from life annuity representative.

Information from friends or relatives will help start your application. You will have an idea on which to choose from their information. When you visit a life annuity office, bring the necessary documents for requirements. If you meet the requirements upon your visit, you may continue with the application. It is smart to be always ready for something unexpected.

For complete information about your task, use the internet. There, you can find almost anything you need. There are also guidelines that you can follow for a smoother flow of the application. There are available online cheap term life insurance quotes that you may use to determine which type suits your resources. Fill up as many quotes as you can to have lots of choices. Compare the quotes to be able to select the most appropriate type.

If you don’t have the time to accomplish your application, seek the assistance of a licensed life annuity agent. This person has the knowledge and skill to handle this kind of task. He is trained to handle any kind of pressure and still come up with outstanding results. This professional will not stop until he finishes the task and hands the policy to the respective owner. Just be ready for an additional expense for the services given by the life annuity agent.

For all those people who are interested in getting the life insurance, don’t get disheartened when your cheap term life insurance is rejected. There is life insurance no exam that awaits you. This will give you the benefits needed which are not given by term life insurance. Start applying today to get the complete coverage when you can as the future is uncertain.

About the Author

Article by David Livingston of, a website with the best term life insurance cost and life insurance no exam information in the country.

Top 10 Ways To Prepare For An Economic Collapse

17 October, 2014 (02:09) | personal finance investment | By: admin

How is the economy is really doing in 2010?, most people are unaware of what is actually happening. Don’t be one of those caught up on the governments positive ‘false sense of security’ messages. We have given many accurate forecasts and messages to our members but none could be more important than the major one at present. The collapse of the US empire.

You only have to look around at what is going on in your neighborhood, and local shopping centre to see that something is brewing. Yes it is coming! As Government debt levels rise and treasuries failing to interest big buyers, these are warning signs that the economy is already in its first stage of collapse. The government are just keeping rates down to mask the effects.

Many people find them self in awe at the truth of what is really going on and don’t know how to prepare. With that being the case, we have helped many people prepare for what is coming and wish to share 10 quick tips with you so that you too can prepare for what is coming:-

1) Be sure you educate yourself and find resource in the library and find out how people were able to survive during the last great depression era in the 1930′s.

2) It is wise to clear the house so to speak. Pay off bills, debts, money owning to people. In difficult times it is always wise to have cash flow and be prepared, otherwise you could be in serious financial difficulty.

3) Find out what businesses thrive in difficult times. Some people have made a good fortune in the last great depression because people were desperate for a certain product or service. Don’t stick your head in the sand, make the best of a bad situation. There is always opportunities no matter what the economic climate is.

4) If you look back, gold and silver has always done extremely well through difficult times economically speaking. Exchanging your money for gold, gold bullion and silver is one of the smartest things you can do. It is a hedge against inflation, and will save you from the massive hyperinflation that will be seen down the track. These have predominantly done well through times of recession or depression in the past.

5) Deflation can sometimes hurt stock prices. If you are heavily invested in the stockmarket, look over your investments. Keep those stocks that you feel will do well longer term, and move some of your capital to gold and silver based funds. These are becoming increasingly popular as people are starting to see the benefits involved and the warning signs of a full economic collapse is clear.

6) Water is key. Make sure you stock up on foods and especially water. There will come a time when water is a precious commodity. We need it to survive and use it in our day to day lives. Make sure you stock up on water in case there is a short supply with food and other commodities down the track.

7) Prepare a first aid kit. If the emergencies wards are full of sick and injured people you dont want to be unprepared. Have a first aid kit close by so that you can attend to a sick or injured family member and can support them until a medical professional can attend to them.

8) Two heads are better than one. Strong tight niched Communities are always better prepared during economic hardships. Get to know more of your neighbors and help them out. It has been one of the best survival tactics used since the beginning of time.

9) Grow a garden in the back yard. Not only is this food alot more healthy and nutritious, you will save alot of money building and growing stuff yourself.

10) Learn to barter. Normally there are problems with currencies during economic meltdowns and huge fluctuations in the price of monies occur affecting the price of things. Learn how to swap, barter, bargain with people to get what you want. This can be a matter of life or death so it is an important skill to have.

About the Author

World recognized trends forecasters, known by many around the world most addictive & highly accurate. Sign up for a FREE Trends alert at:

Do I Need A Prosecutor To Bankruptcy?

16 October, 2014 (07:26) | personal finance investment | By: admin

The short answer is yes! Do not try to file bankruptcy without one!

Your lawyer will know the law first. A lawyer will know if you have too much income or assets, such as it is an attempt to do the calculation for you, as required by law. I recently went into bankruptcy, files a bankruptcy case should never have made, because this person was not exempt income or assets.

The Trustee claimed only all those assets to creditors, because they will do when there are assets to seize. If an experienced bankruptcy attorney had been consulted at the beginning and then they could advise a client not to file for bankruptcy at all in this case.

The customer can save filing fees, attorney fees, administrative fees, and they have a deal to pay back debts. As it turned out the client had given away assets necessary to cover all these costs, and he had to pay back the debts in full. It would have been much cheaper than bankruptcy proceedings in the first place and make it even worse customer assets were tied up for over a year.

Secondly you need a lawyer because the lawyer knows the bankruptcy proceedings. Requires a lot of bankruptcy proceedings, which are difficult for beginners to follow. A lawyer will file electronically with the bankruptcy of special software that automatically comply with the procedural requirements of the court. I’ve seen a lot of the Filer 341 hearings, who did not know what they did, they made a serious error. These errors are usually delayed and continuances and some relief in bankruptcy.

If the file is rejected, then the debt back into the game and the whole reason for filing is ineffective. Now you have to lose filing fee and you will suffer other penalties as losing an automatic stay for a year.

Thirdly you need a lawyer because if you hire one you need to get experts who know the law and procedures, but also someone who knows the managers. Each trustee is a little different and each has slightly different requirements. An experienced lawyer knows what everyone is and what everyone likes to get under the supporting documents. This will inevitably help you through the process and probably the smoothest fashion.

Finally, an attorney accompany you to someone you through the process. I am with all my clients to the 341 meeting of creditors and I am ready for all the questions that they may have about the process at any time. It helps people have less fear and worry about something that people are naturally very scary.

So there are many reasons to hire an experienced bankruptcy attorney to help with your bankruptcy. Also keep in mind that the lawyer is the only one that can represent you in court in the unlikely event that things go wrong. So, if you are considering bankruptcy then hire a lawyer rather than do it yourself!

About the Author

Visit checksandbalances for information about Checks and Balances .

Why Students Needs Health Insurance

15 October, 2014 (03:38) | personal finance investment | By: admin

One of the most vital things that you need to give attention to after getting out of high school is an affordable student health insurance. At the age of twenty you cannot be a part of your parent’s insurance policy, in fact most college students who goes to out of town schools for college ends up with more debts than they should because they do not have health insurance policy that would cover for the expenses.

Although generally schools provide health care for their students, they offer free check ups and even medicines however most often than not college students do not go to their campus clinic on times of emergency and so most students’ ends up paying more than they should as compared to having an insurance policy where everything will be covered.

However if you have a pre existing condition you may or may not qualify for a student health insurance. In cases like this you may have to seek medical care from other resources that’s outside college centers. But there are some insurance companies that offer health insurance for pre existing condition but with a limit.

You need to find out everything associated with your insurance coverage in particular the affordable student health insurance. You also need to know whether during summer breaks that you are still covered in case something unfortunate happens to you during this season or not. Some insurer do not include this with their affordable package, that is why if you want to stay covered during school and summer breaks then you would have to clarify this case to your health insurance provider.

You also need to know exactly what type of coverage you have; if you have HMO plan then you may not be able to call on to nay doctor you like because HMO has affiliated doctors where you can get medical services. Once you get the service from another doctor you will have to pay them from your own pocket.

It is really important that you decide to get an affordable student health insurance; it could save your life during times of emergencies and save you hundreds from hospital bills at the same time. Student health insurance is a especially constructed for students. College communities nowadays are liked with student health insurance plans, this is to answer the increasing demand of students that needs emergency funding during times when they need immediate hospitalization and they are too far away from home. Most of the times this insurance type are available from the school but they can also be purchased from individual insurance company.

Although at this age you may not seem to be in need for health insurance because most of the times you are in good health condition, but the need for health care is crucial especially on times when you need to travel for educational purposes. If you are covered with an insurance policy, you will be safe and will have access to major hospitals and get the best care they can give even if you are far from home.

About the Author

If you want to know more about the most affordable health coverage available in your city then go to for more information about health insurance and their applicable policies.