Senin, 10 September 2012

Approaches to Make Funds - 3 Simple Ideas

One of the ways to to create money on the web is to respond to paid surveys online. Online surveys are the type which are normally quoted InchresearchInch

Make Your Money Go Further in 3 Simple Steps
Make Your Money Go Further in 3 Simple Steps

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Commonly question about Approaches to Make Funds - 3 Simple Ideas

Question :

Can you summarize this for me, into about 2 or 3 paragraphphs? Its John McCain s position on health care.?

John McCain believes we can and must provide access to health care for every American. He has proposed a comprehensive vision for achieving that.

John McCain s Vision for Health Care Reform

John McCain Believes The Key To Health Care Reform Is To Restore Control To The Patients Themselves. We want a system of health care in which everyone can afford and acquire the treatment and preventative care they need. Health care should be available to all and not limited by where you work or how much you make.

Making Health Insurance Innovative, Portable and Affordable

John McCain Will Reform Health Care Making It Easier For Individuals And Families To Obtain Insurance. An important part of his plan is to use competition to improve the quality of health insurance with greater variety to match people s needs.

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will receive a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits those best and the money would be sent directly to the insurance provider.

John McCain Proposes Making Insurance More Portable. Americans need insurance that follows them from job to job. They want insurance that is still there if they retire early and does not change if they take a few years off to raise the kids.

A Specific Plan of Action: Ensuring Care for Higher Risk Patients

John McCain Will Promote Proper Incentives. John McCain will work with Congress, the governors, and industry to make sure this approach is funded adequately and has the right incentives to reduce costs such as disease management, individual case management, and health and wellness programs.

A Specific Plan of Action: Lowering Health Care Costs

CHEAPER DRUGS: Lowering Drug Prices. John McCain will look to bring greater competition to our drug markets through safe re-importation of drugs and faster introduction of generic drugs.

CHRONIC DISEASE: Providing Quality, Cheaper Care For Chronic Disease. Chronic conditions account for three-quarters of the nation s annual health care bill. By emphasizing prevention, early intervention, healthy habits, new treatment models, new public health infrastructure and the use of information technology, we can reduce health care costs. We should dedicate more federal research to caring and curing chronic disease.

COORDINATED CARE: Promoting Coordinated Care. Coordinated care - with providers collaborating to produce the best health care - offers better outcomes at lower cost. We should pay a single bill for high-quality disease care which will make every single provider accountable and responsive to the patients needs.

GREATER ACCESS AND CONVENIENCE: Expanding Access To Health Care. Families place a high value on quickly getting simple care. Government should promote greater access through walk-in clinics in retail outlets.

SMOKING: Promoting The Availability Of Smoking Cessation Programs. Most smokers would love to quit but find it hard to do so. Working with business and insurance companies to promote availability, we can improve lives and reduce chronic disease through smoking cessation programs.

TORT REFORM: Passing Medical Liability Reform. We must pass medical liability reform that eliminates lawsuits directed at doctors who follow clinical guidelines and adhere to safety protocols. Every patient should have access to legal remedies in cases of bad medical practice but that should not be an invitation to endless, frivolous lawsuits.

TRANSPARENCY: Bringing Transparency To Health Care Costs. We must make public more information on treatment options and doctor records, and require transparency regarding medical outcomes, quality of care, costs and prices. We must also facilitate the development of national standards for measuring and recording treatments and outcomes.

Confronting the Long-Term Challenge

John McCain Will Develop A Strategy For Meeting The Challenge Of A Population Needing Greater Long-Term Care. There have been a variety of state-based experiments such as Cash and Counseling or The Program of All-Inclusive Care for the Elderly (PACE) that are pioneering approaches for delivering care to people in a home setting. Seniors are given a monthly stipend which they can use to hire workers and purchase care-related services and goods. They can get help managing their care by designating representatives, such as relatives or friends, to help make decisions. It also offers counseling and bookkeeping services to assist consumers in handling their programmatic responsibilities.
Answer :
Follow the link below to find concise summaries of the McCain and Obama Healthcare Plans.

Question :

Am I doing the right things financially?

I believe I am a typical 33 year old, married male, who earns a decent living and manages/invests my money well, i think, but I am not 100% sure. Most articles and research I see highlights either the super rich or people who have tanked.

I make between 150k and 185k p/year depending on bonuses. My pay has risen sharply over the past 5 years with some promotions and I ve increased my investments along the way. Here is a high level breakdown of my financial situation:


22k school loans (combined wife and mine into single low interest loan)

Home - owe 350k on a home worth about 420k. I pay an additional mortgage payment per year automatically by spreading that payment out into 12 monthly payments.

Auto - owe about 2500 on a 2004 Durango. I pay $500 per month so I am almost done with that. I plan to continue to dump $500 per month into an account after this car is paid off. The hope is to drive this car for 3-4 more years and use the money from that fund to buy a new, more energy efficient car, using cash.

No other debt

Account balances:

20k emergency fund in Ally Bank savings account. I place $100 dollars per month automatically in this account each month.

10k in liquid savings account. I put left over money manually into this account monthly. I try to keep this at 10k at all times.

100k in 401k all invested in Fidelity 2040 target fund. I now max 401k each year. My company doesn t do a match. They dump profit sharing into the 401k yearly regardless of if I invest into the account or not.

11k in Traditional IRA all invested in Fidelity 2040 target fund. I now max this out at 5k each year with monthly automatic payments.

1k in newly opened Traditional IRA I opened for my wife. I plan to max this out now yearly at 5k and this is also invested in Fidelity 2040 target fund.

5k in 529 college fund invested in growth strategy fund in Illinois Bright Start fund. I automatically invest $300 per month into this account.


I donate about 3k to church tithes yearly (I should do better here)

Other than that, that is my financial situation. I spend just about everything else per month on entertainment, food, bills, etc. for my wife, myself, and two year old daughter. We plan on one more child and other than adding an additional $300 to another 529, my current financial plan would stay the same.

Other than maybe some better budgeting to leave some money for some short term investing, is there anything else I should be doing? Anything I am doing I shouldn t be doing? I know Target fund approach seems lazy but I work and travel a lot and just don t have the time to micromanage my portfolio.

From goals perspective, I want a few simple things.

1. Retire early if possible
2. Pay for some or all of kids college
3. Pay for daughters wedding

Again, most investment advice doesn t seem to be geared towards someone like me so any advice is appreciated. I just don t want to "think" I am doing ok if I could be doing something better.
Answer :
You are 33, and STILL have $22,000 in STUDENT loans? What are they, pets? You also say you have $30,000 IMMEDIATELY available and STILL have $22,000 in student loans. Pay them off NOW. With your income, there is NO reason you can t replace the savings inside of ONE year.

You say you can do better budgeting . I say you can START budgeting. You literally have NO CLUE where most of your money is going. With 1/2 your income, I could be 100% debt free, including the house, and have more set aside for retirement as well has fully funding my children s educations and weddings.

Note: People think he rich get richer and the poor get poorer for a reason. The rich KEEP doing what made them rich, and the poor KEEP doing what made them poor. All advice is targeted to one group or the other because EVERYONE have one of those two mindsets. In addition, GOOD advice is IDENTICAL for both groups. Act like the rich, not what you THINK the rich act like, and building wealth just happens. Act like the poor, and building DEBT happens.
Question :

What do you guys think of this? Reaction paper to banning the building of mosques in Switzerland?

College paper

Muslims in the West are constantly making demands for freedom: freedom to build mosques, freedom to wear the burka and hijab, freedom to practice Sharia law. They generally present these demands as basic rights owed to them by the countries in which they live. And Western liberals even those opposed to the Islamic agenda are hard-pressed to rebuff them.

This is due to a faulty conceptualization of the issue. A new approach must be adopted. Lets call it Linkage. The idea is simple: Muslims have no rights in Western lands as long as non-Muslims are being persecuted in Muslim lands.

Some simple examples:

1. No more mosques in the West, until there is a church in Mecca.
2. No freedom to wear Muslim clothing in the West, until all women have the freedom to wear whatever they want in Mecca.
3. No more funding of Islamic education and proselytizing in the West, until all faiths are free to establish schools, libraries and missions in Mecca.
4. No foot baths for Muslims, until there are holy water dispensers for Christians in Mecca.


We all know whats going on in Mecca. Christians, Jews and other faiths are barred entry in a form of Islamic apartheid.

In Mecca, churches are illegal. The Bible and the cross are illegal. Priests are illegal. Preaching Christianity and other faiths is punishable by imprisonment, torture and death. Converting to Christianity or another faith is punishable by imprisonment, torture and death. In short, the heartland of Islam is one of the most appalling hellholes of religious intolerance in the world today.

Yet Muslims have the gall to demand footbaths and other frivolous perks in our lands. The hypocrisy reeks like a sewer. Its obscene, and even the most unconcerned layman can immediately perceive the unfairness. Muslims are only concerned for freedom when they are on the receiving end.

This is my proposal: We in the anti-Jihad movement should adopt the principle of Linkage as a war cry. We should repeat it like a broken record. Advocate it relentlessly on blogs and in street demonstrations. Distribute flyers. Pressure politicians. Run television ads. Make it into T-shirts and hats and coffee mugs. Glue posters to walls with really stubborn glue. DEMAND fairness!

The principle of linkage is already making inroads. Last year, the Russians demanded a quid pro quo from the Saudis:

A Saudi Mosque in Moscow in Exchange for a Russian Church in Mecca?

The king of Saudi Arabia has announced that he is ready to support the construction of a mosque and Islamic cultural center in Moscow, a city with only four mosques for its more than two million Muslims. In response and probably to block this, Orthodox Christians in Russia have called for opening a church in Saudi Arabia.

After the Saudi offer was reported, three Russian Orthodox groups the Moscow section of the Union of Orthodox Citizens, the Radonezh Society, and the Byzantine Club released an open letter to Saudi King Abdullah suggesting that there should be another mosque in Moscow only after a Russian Orthodox church was opened in Mecca.

Jean-Louis Cardinal Toran, the head of the Papal Council on Inter-religious Dialogue, agrees:

If Muslims consider it correct to have a large and beautiful mosque in Rome, then it is equally correct for Christians to have a church in Riyadh.

Alison Ruoff, a prominent evangelical member of the Church of Englands General Synod, has applied linkage:

Mrs Ruoff, a former magistrate, said in an interview with Londons Premier Christian Radio that no more mosques should be built in Britain until all persecution of Christians in Muslim nations had ceased.

The British writer Adrian Morgan raises the same point:

Yet when one sees the number of mosques being erected in Britain, often with money from Saudi Arabia, I wonder why no Far Left individual raises the question of hypocrisy. Saudi Arabia funds the export of Islam around the world (even to Nepal), yet prevents any Bibles from being brought into their kingdom. No churches are allowed to be built in Saudi Arabia, and migrant workers who hold unofficial Christian services have been jailed.

Similarly in Pakistan, Christians are a minority group, yet they are persecuted mercilessly. In Malaysia, no one is allowed to leave Islam and Buddhists, Hindus and Christians are legally defined as second-class citizens, and yet Malaysia regards itself as upholding a civilizational form of Islam.

The principle of linkage is gaining momentum. With the help of everyone in the Counterjihad community, we can broaden it into an avalanche.
Answer :
Hypocrites can t handle the truth.
This is a well spoken, honest, logical, well written piece of writing.

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