Brainwashing people with education

Ever since John d. Rockefeller created the US General Education Board in 1903, the world seemed set for a big change. To date, I think it’s valid to say that the education system produces a constant supply of employees always need money, work and security. This phenomenon seems to bear witness to the fact that we have been brainwashed to be addicted. After all, before 1903 or even the industrial revolution, most people were farmers and small business owners, not employees.

Today, most people go to school to be taught to work for the rich, shop at the stores of the rich, borrow money from the banks of the rich, invest in enterprises of wealthy through mutual funds, but not how to be rich. Let’s now cut each of the facts mentioned above.

First, many educated people are cared for to work for the rich, because the education system puts too much emphasis on job security. Remember to ask your teacher why you should study hard and get a response that only by studying hard can guarantee a good job? This is done to instill in people the subconscious fear that their finances will not be safe without a job, discouraging entrepreneurship. With fewer people become entrepreneurs, employers get to recruit and retain the best talent (tapping on this fear) and leverage their expertise to increase your wealth, get richer.

To add, many educational institutions teach their students to shop at the stores of the rich because most rich people own part of these schools or donate large sums of money to them. In return, these institutions must repay these favors to get substantial funding. Have you ever wondered why some stores like Macs are always seen in schools? Due to this worthwhile investment by wealthy, consumption for their products increase steadily, bringing them greater wealth.

In addition, many people unknowingly are drilled to borrow money from the banks of the rich, when you don’t have enough. Have you ever wondered why universities give brochures on banks that offer college credit? To add, many of these banks also distribute their committed in schools to preach the benefits of loans (to have for example a credit card it makes elegant) and selling students the illusion that it is convenient to borrow money from banks. All these were done to ensure a steady supply of borrowers to banks, which in turn earn money from the poor through interest capitalization. With this, our next generation has had to borrow from the rich to make them richer.

In addition, many schools also teach their students that it is safe to invest in businesses of the rich through mutual funds. This atrocity is aided by financial institutions that planting many of them cronies to instill in young people the value and benefits from passive investment or leaving “experts” to manage their money. All these allow financial predators prey on your money legally (via taxes and fees) under the guise of helping you. I always remember financial advisors going to school talking about how good funds? Leaving aside the sales speech, most of them also tell you which funds charge fees and commissions where also can leech your money if you pick the wrong stocks and lose your money? I bet not yet many brainwashed is ongoing.

Now, many might ask that since it is so bad, why doesn’t the Government step in? I have 2 responses to your question.

Firstly, the Government does not have enough power to offend the rich, because if all these capitalists withdraw their capital, the volatile economy will go bust. Moreover, politicians are elected to protect rich systems that fund their campaigns.

Secondly, this phenomenon remains taxes, debt and rising inflation. All these weaken people financially and enables greater consolidation of government power. As many of you know, most people will do anything to maintain and gain power.

So to conclude, I believe that readers have gained a clear understanding of how and why the next generation is being indoctrinated to enrich the rich. In the meantime, since we can now see the big picture, it is vital that do something to reduce or stop this, allowing for more equality in this world.

New FICO credit score 8 points calculator

The new product, the credit score FICO 8 mortgage, ought to do a better job at predicting whether homeowners will keep paying their mortgages.

The last scoring product, now available from all three major credit reporting agencies, credit offers mortgage lenders ‘ more precise risk assessment for the housing market, “according to Fair Isaac Corp., the Minneapolis-based company which developed the FICO score.

The widely used credit score is an important factor for owners seeking to refinance their current mortgage or a mortgage for home purchase. While a score of 700 is considered good, borrowers should typically score around 650 or 620, depending on other factors such as the amount of home equity, to get a mortgage loan.

A lower score can mean paying a higher mortgage interest. Check mortgage rates. Fair Isaac says, can mean a difference of 100 points, paying $ 40,000 in extra interest payments more alive than a 30 year mortgage, $ 300,000.

Borrowers should check their credit score at myfico.com before requesting a mortgage check for errors and outdated information in the report, which can be expensive. Pay your bills on time, while maintaining low debt levels and don’t ask often credit can also help your credit score. Free FICO ® Credit Score estimator

8 FIG score mortgage maintains the same range of 300 to 850, but is designed specifically for mortgage lenders and servicers, which administer the loans.

The new score, according to Fair Isaac, helps mortgage servicers place owners at risk of default and seek solutions to prevent foreclosures. You may be able to save the mortgage industry $ 1 billion in costs of foreclosure and help more than 100,000 homeowners to keep their homes.

Placing more emphasis on the mortgage, the new score helps owners at risk instead of mortgage services pushing homeowners that are over 90 days late in lower scores.

The new score takes into account additional data sources on consumer credit, in order to improve its predictive capacity by up to 25 percent, the company said. The new score also is supposed to be easier for lenders to explain to mortgage borrowers.

“Wide availability of FICO 8 mortgage score means that all U.S. lenders and servicers now easily access scores that are fine-tuned for mortgage performance,” said Jordan Graham, executive vice President of FIG.

“To do the best job of assessing the risk and increase profits, lenders need scoring analytics credit mortgage which incorporate performance because the subprime mortgage meltdown, credit to date,” said Craig Focardi, senior research director at TowerGroup

Contracts, payments, interest and percentages

In all forms of payment, there are certain limits that people should always remember. All payments are based on a contract and if there would be a breach of a contract the two parties would be handled by the Court. Payments that are often involved in a contract is the payment of a supplement. When a person is engaged in a loan, the financial institution has the right to set the price increases for certain payments that are not paid in the time allotted. Once again, assigned times in any payment or questions on late payments are listed on the contract and any violation of the fact or the financial institution or the person who lent is subjected by the Court. The person who has acquired the loan must be informed about the charges, delay of payments issues, as well as the importance of percentages in the contract so that he would no longer lending.

Another important factor in a contract is the percentages in terms of interest. All loans are covered by interests and individuals who are looking for loans should always remember that there are always percentages for loans and late payments. If the person would not be able to calculate the percentages and he would sign the contract immediately, the financial institution reserves the right to apply any interest rates even asking for more money in terms of late payments. That’s why most companies are often lawyers and accountants to compute for interest rates and fees before applying for loans, because a company may lose more money, rather than making a lot of money. In order to prevent any violations and clauses in the contract, the lawyer will assess for any loopholes that the lending company may impose in the future. It is also important for companies to have a lawyer to evaluate their contracts, as well as a consulting firm to evaluate the loan interest rates. Various government institutions have a strict law on contracts and payments in arrears for this reason those who ask for a loan must always be prepared.

Dual Comm processing solutions: the fastest way to process credit card

In the past, credit card processing from a few seconds to a few minutes per transaction. But now, you can complete a transaction in a very short time with a dual comm Terminal. These terminals are connected via phone lines and the internet, so you don’t have to worry about losing a transaction never again!

What is a processing terminal Dual Comm?

As the name suggests, a dual processor Terminal comm enables you to process credit card transactions through a phone line or Internet connection. As the most famous Terminal credit card processing market, boasts speed en route to the transaction acceptance and reliability second to none.

Requirements for Dual processing terminal Comm

Apart from the Terminal itself, you only need two things: an internet connection and a phone line. Since most companies have them, it’s not too annoying to get your dual comm terminal processing up and running.

Types of Dual processing terminals Comm

· Vx510-a payment card industry Pin entry approved devices (PCI PED) and electromagnetic compatibility (EMC), the main feature of this Terminal is the computability. With its fast processing capability, is a great investment for any company.

· Vx570-this small and stylish Terminal is one of the best on the market because it has a lot of memory that allows you to process thousands of transactions every day. This memory is available in 6 models MB, 12 MB and smart cards.

· 8400-Resting this dual comm terminal can be updated as required by the entrepreneur add extra functionality.

· Terminals Hypercom optimum T4220-this Terminal is a cut above the rest, because it has a diagnostic program VeriFone IP which tells you whenever an error occurs during the transaction-and what can be done to address the problem. PCI PED capacity also ensures that every transaction is safe and secure. This model comes with a smart card reader add-on.

· M8-Dejavoo only internet and phone ready to connect this terminal can also be connected with wireless internet access. This plug and play device comes with a USB connector.

Benefits of having a dual processing terminal Comm

· Transactions are carried out at breakneck speed. Most of the terminals take up to 30 seconds to authorize a transaction. With a dual comm Terminal, just a few seconds to complete the process. Now that is efficient service!

· Plug-and-play set up. Creating a dual comm Terminal is as fast as the speed of the transaction. Just plug it in and you’re good to go. You don’t have to download or install any program to get started. The Terminal is fully loaded.

· Never miss a transaction. Because the Terminal is connected to the internet and the phone, you can still process the payment even if your internet connection is down.

· Easy to use. You don’t have to be a genius to use these terminals. They are very easy to use; all you have to do is follow the guideline that comes with the machine.

If you want your business to the arm, you must perform the transformation without any transactions failing to credit card. With these terminals, you are sure to keep customers satisfied 100% of the time!

How to clean up your credit without paying anything

Have a bad financial history can affect people in many ways. This includes job opportunities and buy a House. Not surprisingly, many people want to get improve their finances, but can’t afford to pay anything. Use some strategies to clean up your credit without further financial difficulties.

Get a copy of all credit reports. It is important to know exactly where you stand before embarking on any type of floor. Look no further than the reports to see if the rumors are to be removed from the report within the next three years. Also, look for items that might be included in the error reports.

Evaluate your situation. Make a list of all your monthly household bills and expenses. In addition to the needs as rent, utilities and groceries, including things such as the amount spent on eating out, entertainment and subscriptions. Watch the monthly household income that you earn to understand how reasonably you can afford to put toward reducing debt without falling into more financial difficulties.

Contact with your creditors. For unsecured debt, ask whether as a courtesy if the company could lower the interest rate. If the debt is out of control, consider asking if they offer special payment plans for people who have trouble making your monthly payments. Other creditors may offer similar agreements in certain situations.

Contact the Communications Office. If you saw an error reports that you received, please go to the website of the Bureau to get directions on how to have removed. Just spend time pursuing this step if you have supporting documentation, as you probably will be required.

Try cutting expenses. Look for ways to make more money to pay the debt. Examples could include canceling some subscriptions, limiting the number of meals eaten a restaurants and taking advantage of sales.

Make a plan. A good plan can be simple or intensive. For example, can work out a payment plan with a credit card company and the plan may be doing all those monthly payments on time. Or maybe, you have decided to aggressively cut spending for a couple of months to pay significant on a credit card, reducing future monthly payments.

Stick to your plan. In order to clean up your credit history, it will take time. However, by sticking to a plan you begin to see results faster than if you did not follow a plan.

0% interest credit cards as a means to pay off your student loan Teen

College isn’t always cheaper. This is a reality that parents have to deal with. In fact, the National Center of education statistics disclosed that over 50% of college students in the United States have student loans starting at $ 10,000.

It is inevitable for the loan lender asking for debt repayment. Most people would struggle with the payment while others would simply turn on their credit card with 0% interest.

College loan repayment of your Teen

Several individuals in the United States, especially parents, have opted to use a credit card 0% interest in paying their child’s student loan. The goal is to pay off your student loan and credit card as quickly as possible. Remember that the offer of 0% is not permanent. Generally, it is only available for six months up to 18 months.

It is important to never play the game of interests, means that you should not invest money to pay off the loan at a higher rate. Think about the risks involved as well as added taxes which are payable on capital gains. Both of these easily could diminish the yield to almost zero.

Using a credit card 0% interest wisely

We say that the student loan to your son has amounted to $ 4,000 and your main objective is to complete the payment within a year. Student loan interest is 7% and is expected to get a card that has 0% introductory offer that will last 12 months or more. To succeed, you must follow these steps to make sure that the card will be able to help in funding your child’s loan:

1. monthly payments-by taking the example above, you need at least $ 380 per month to pay off the debt of $ 4,000 a year. Find out whether the amount is within your budget. If you don’t want to sell some of your stuff or your child to allow payment. Also it is wise to get another job, if your monthly payment seems out of your reach.

2. Board decision-choose the correct card with 0% APR on purchases and balance transfers. Note the length of the introduction. Make sure it lasts at least 12 months or, preferably, more on the APR offered.

3. to maintain or to transfer-the subsequent decision to make is whether to maintain the position of student loan or transfer it to the card. If you plan to transfer, 0% APR on balance transfers is very valuable.

4. Negotiate – apart from the APR balance transfer, there’s transaction fees. Usually, charge card a minimum of 3% of the amount transferred. You can ask the lender to give up flat fee.

5. other costs-pay the balance in time to avoid paying the charge. Some companies will void the offer 0% if you miss a single payment.

Be persistent, as soon as you start paying a student loan of your teen by credit card 0% interest. Choose the right card and be meticulous in paying the balances are the keys to solving a problem student loan.

Money opportunities in times of economic crisis

Are you looking to earn money on the side to supplement your salary not huge? Are finding it difficult to determine what opportunities of making money are available to you in these difficult times? If you have trouble finding the opportunities to make money, here are small but still significant income generating means you can draw, with five examples being:

1. Freelance writing. Do you enjoy writing? He always excelled in English class with essays and poetry? Do you keep a regular blog that is appreciated by many people? If you have the skills and would like to earn money doing what you love, then freelance writing is one of the opportunities to make money that can look. There is a huge demand in the field of marketing for SEO purposes, then you can try to start this article. Another thing you can do is to “ghost of blogs” for people and companies that maintain a blogsite separated from their website. And if you’re a great lyricist who can work within a limited number of characters, you can Tweet on behalf of your customer!

2. garden Work. You have a green thumb? Gardening and plant care is a great way to earn money from a hobby that already indulging in. Professional landscaping services are expensive, and what better way to beat the professionals at their own game by offering your services to people in your neighborhood and other nearby Communities at a lower price? There are opportunities to make money to be had tending to flora and vegetation, mainly because the owners of gardens these days feels the pinch but still want to keep their well kept gardens.

3. working Room. Surveys show that a lot of people who hold jobs full-time are able to keep their homes, to the point that their homes are turned into pig sties real! A week’s worth of dirty dishes are piled on their sinks. There are spots of food on the floor that haven’t been cleaned in days. Refrigerators are a huge Petri dish of mildew and other bacteria. The list goes on. But as disgusting as all these situations, they also have opportunities to make money for you! If you know busy professionals who cannot afford to hire a waiter but still want to come home to a clean house, and then offer to tidy up their abode.

4. ESL tutoring. There are a lot of immigrants desperately need to learn English to help them integrate into American life. Here’s another one of those opportunities to make money that you can tap into as a native speaker. Teaching English offer, charge them a reasonable fee (remember that not everyone came to this country with a lot of money to spare) and if the word gets around that you’re a good teacher, which charges at affordable prices, just might take more students and make up the volume to all and you can earn money easily.

5. laundry and/or ironing. There are people that still manage to do laundry, but don’t have the time or just hate. Then there are those who absolutely cannot participate in the laundry part. Laundry and ironing service are two opportunities to make money that you can undertake at once. You can make them your customers ‘ home or pick up your clothes and wash and iron them in your own home. If it’s the latter, be sure to factor in your expenses the cost of detergent, bleach, fabric softener, you consume electricity and the wear of your appliances.

The above suggestions are just the tip of the iceberg. There are many more opportunities that you can examine. Ask relatives and friends for suggestions. Contact the alma mater for part-time resources. And, of course, there is the World Wide Web where trusted abound more opportunities to earn money. Good luck and have fun!