I Decided To Thank GOD For Saving Me By
Donating A Lot Of Money To Charity
After this experience I realized that life is by far the most precious thing we have … and money should never be put in first place … although it is good to have it.
At that moment (two years ago), I had already won around $3,500,000 total. All this money was made by winning the lottery five times in two short months. The last three times, I won in a row, and I was on the front page of all the local news papers. This “ fame” surely almost got me killed.
I donated $ 1 million to a foundation that finances libraries in third world countries. As I am a professor, I know how important it i s to have a proper education. This way those people at least will have hope.
I swore in front of GOD and kept my promise.
This report has been written to save you gas, money, and time with your holiday shopping.
I have been shopping for years. (Clothes making my specialty) I have been to different a mall at 8:30pm during the holiday season, waiting in line additonally my feet ache and sweat ran down my brow. The thought of carrying bags, and boxes based on one store to another in search of the right gift, for the correctly person, at the right price, is nothing very brief of terrifying.
Think about it for a second. How performs the average occupant shop? There are two main ways. By impulse buying, or by being a list and approaching it. When you do the impulse buying thing, you put your god looking at memory skills to the true test. you are out driving back home from work or it's the weekend and your running around for one reason or another. You see a store, you say, “I have enough funds to get some of these gifts out of the way. You pull in the parking lot and based on data from that moment on your time is gone, your person is about to be worked out and you don't even know if your going to find the gift your looking for. You walk virtually hoping you'll see a gift for the perfect person, at the right price. Good luck! You might have specific long time left in your day to catch a movie later if it works out. There is no guarantee of success.
Let's look at the other way. You regulations your list and your time. First of all it has to be a day off, and I do hint that a gargantuan day off. After you have planed to shop on a selected day you have to go down your list and think right about who becomes how and how much you plan to spend. you are ready. It's off to the mall or to one of the all in one superstores. You have a good plan but who knows how much your going to spend on each gift, an how extended it's going to take. Best case scenario you get all your gifts, for all the right people at the price points you expected. Guess what? Bags and boxes that is what! If you did get everything, you needed, you still undergo to get them to the car and unpack the car when you get home. Not to mention the gas dollars and the mall's food expense to keep your energy up.
Have no fear……there is a better way!
Online Shopping is it!!!!!!!!
Nearly everything you can find at a mall or a superstore can be purchased on string at a competitive prices with easy delivery. Your only added costs is shipping and handling, and if you get all the items you need from one online store, the shipping and handling cost will be far less than the price of gas to the mall and somewhat to eat while you got there.
Let's look at a comparison:
Shopping the old way………
Positives……
1.) Get all the items you need for your retreat shopping. That's it! The only thing you can be exultant in regards to is that the shopping is done.
Negatives……
1.) Time…The average impulse shopping experience last 1-2 hours per session. The average planned shopping experience for the holiday season is over 15 hours spread out over a week or two.
2.) Gas…..You spend at least a half a tank of gas shopping around for all that stuff. With gas values the way they are now, the present could be about 20 bucks for the old SUV or minivan.
3.) Physical Stress…Walking back and forth to the car is a workout. Walking around a mall or superstore is a workout. Bringing the bags in the house is a workout. If you wanted a workout, you would have headed to the gym. Right?
4.) Mental Stress…Having to go to different stores to thorough your shopping list when you do not know if the items will be the right gift, for the ideally person, at the right worth is stressful.
Now let us seem at shopping on line………..
Positives……
1.) Time…Self explanatory this one is. It takes the average inhabitant 1 minute to get online. 1 more and more minute to go to their choice of online store. Another 10 or 15 minutes to check off some names as you select your items, about another 5 minutes to enter your payment information into the appropriate places and print out your receipt. Walla!!!!!! 30 minutes tops! Think of what you is able to do with all that time. (Definitely catch that movie huh?)
2.) Gas……What gas? You don't use any. You save it all for those trips to the movie theater. You don't even seek a car. You just need an address to send your gift too. You could easily even send the item to the person your going to give the gift too no matter at which properties are in the world, and save yourself time wrapping it!!! (Ever get a gift in the mail? It's a great feeling.)
3.) Physical Stress…There is none!!!! No bags to carry, no walks through the malls, no lines to wait in, no fumbling in on charge cards, receipts, cash or bags additonally your in the store. All you have to do is lift a finger to click a mouse.
4.) Less Mental Stress…Think throughout all the planning that goes to doing all of your shopping the traditional way. All you have to do here is make a list, and check it off as you go.
Negatives……
1.) You must undergo a computer with an web connection. Which you right now have because you are looking at this article. That is the only negative…
There are some things that every serious online shopper could understand before they begin their online shopping experience. Here they are:
1.) To make the best use of your time, select an online list overly carries more than one sort of item. It should be a mini-mall. They provided have products that you would buy for yourself and something for everyone you covet to shop for.
2.) The store would have a shopping cart. This feature will help you to pick up different items additonally your shopping, and put them up in one place, for review (whether you buy the items or not) before your final purchase.
3.) The store provided have some kind of FAQ (Frequently Asked Questions) web page overly can help you with anything and everything that you can need to know about the store. If not a FAQ page, definitely There are those brand of Customer Service Contact Information.
4.) The store might have a picture of the item with a good description next to it. That's right!!! An actual description of the item. When you go to a traditional store, the only while you'll get a description given to you is when it's a big ticket item as a car or expensive electronic item. To find the description yourself you have to check one of the 6 sides of the packaging. Online it is right there in front of you. How great is that?
5.) The store should have a way to put your name and email address into its data base so that properties can get a message to you for customer specials the store are able to have. This can be a great way to get discounts from what i read in which store. You'll get all types of notifications about sales, special offers, and possibly some coupons to save you money on your later purchase.
6.) The store should have different ways to accept your payments. Credit cards, check cards, online checks, print out order forms overly can be faxed or mailed to them to process orders. The more the better.
7.) The store when and if have a money back guarantee. This should let you know that if you are not 100% satisfied with your purchase, the company will refund all your expenses with no questions asked.
8.) The list will be able to also be listed with the Online BBB.
9.) The key in MUST have a assured connection in which to receive your payment. If a establishment performs not suffer this, I would not suggest using them. Usually you will see selected type of find out that talks about security as it pertains to ordering items online, and a picture of a padlock somewhere.
That's it!!!!!!!!!!! If you undergo people nine things you are expected to go. Try this method of shopping and decide for yourself. You be the judge. If you are serious in regards to making your life easier when it comes to shopping for the holiday season, consequently you can't help but giving online shopping a chance. I think you will are in agreement the current you can't beat shopping online. Good Luck and Happy Shopping!!!!!
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The Internet has completely revolutionized the retail shopping industry. With online shopping, the consumer now has many different ways to shop without frequently invested in to leave the comfort of the own home. Prior to the Internet, catalog sales were the only way that folks could shop from their recliner while seated in front of the television. The choices you had got limited to the catalogs with that you had a subscription. Online shopping has revolutionized the way people are shopping from what i read in home.
The Consumer Controls The Online Shopping Industry
With the creation of the Internet, competitive shopping and pricing has taken a complete turn for the consumer. As a consumer this uses the Internet for many of my personal and gift shopping, I have learned to costs compare through visits to web sites of retail outlets, substantial discount markets, shopping forums such as craigslist and auction companies like ebay. Online shopping provides multiple resources for the consumer price and product compare with multiple retail outlets. This freedom is the boost that keeps the online shopping industry gaining in popularity.
Retail Outlets And Online Markets Compete For Business
With the wide range of online shopping outlets, I can actively seek a price that I want to pay for an item, rarely do I pay complete retail price for anything. I can go online shopping at a major toy record and gather information on the retail cost of the gifts or items I like to purchase. I can then go to discount online outlets or auction ones and levels shop for the items. Without ever leaving my home, I can shop and compare for nearly every purchase that I desire to make.source
Making money with a Money Market Fund can be fun and easy to do but you need to know one or two facts so you do not have pitfalls along the way. A Money Market Fund is a great tool that you can utilize to make your money grow year after year but know what your risk is before you jump in.
Basically a Money Market Fund is money overly is invested in to a mutual fund associated in on the money markets. It is similar to the bank consideration the current you experience in that it raises financial additonally your currency is invested there. The the best benefit to such is that you see monthly interest payments because it is short term usually 13 months. The advantage you have amid investing in a Money Market Fund is you will see true finances with minimal risk involved.
The prices are variable and this means that the length you will earn every period also varies. So as it goes up you earn more money in your account but be careful because if it dips beneath a certain total sum it can take from your principle. You want to keep it a short job investment because over a period of time of you keep with the same investment opportunity inflation may dip into your money as well.
There are many places to searching for a Money Market Fund on the Internet and you may seek to averting in your bank or mortgage institution because properties usually have lots of information on getting to a fund.
Remember that a Money Market Fund can be a great short term investment but take in sure you fully understand the ins and outs and you will look your money grow and be prosperous. more
I was sitting in a coffee shop not to long ago relaxing (When you work from home it's good to get out of the house every now and then).
When you work from home the one negative is it's easy to isolate yourself from the world, so you have to make a conscious effort to get out. You'll see what I'm talking about when get your chance to leave the J.O.B. world. J.O.B. stands for Just Over Broke.
Anyways I was sitting in this coffee shop hanging out. I got up and as I was about leave I noticed two of my former co-workers were sitting there doing some work.
I walked over and said "Hey, what's going on?"
They smiled and said everything was going great and asked what I was up to these days.
I said "Running my own my business, it's going great."
I Asked them the same question . . .
The long and the short of it all was they were still doing the exact same thing I left over four years ago.
But . . .
They did get new computers.
Still sitting there doing spreadsheets and busy work that in the end doesn't amount to much more than their boss knowing that they spending their time "Working".
It was hard for me to shake my head in excitement for what they were doing without thinking "Wow is this really all you guys are going to be doing 10 years from now if we cross paths again?"
If I knew the loved the J.O.B. it would be a different story, but actually I never did understand anyone liking their job whether they made a lot or a little at it. Living a lifestyle instead of a career is all about working as little as possible, and playing as much as possible because assets are working for you instead of you working for money.
These same people when I was working with them complained about how little they were getting paid.
Man oh man is that regular paycheck seductive. Go to work and get paid. You loose the ability to set your own value on your time and effort, but you get paid every week.
I don't suggest that you go out and quit your J.O.B just yet if it's supporting you, but don't let it hold you back from living a real lifestyle.
A paycheck can steal your life without you even knowing it. Look up 20 years later and all you have to say is "What the heck was I doing for the last 20 years?"
And the truth is, the only difference between people like you and I and them is we have the courage to dream the big dream and then take real life ACTION to get it.
P.S. Are you sick and tired of living paycheck to paycheck wondering where money for rent or the car payment is coming from each and every month? The experts would say "scale down your life, live in a hole, and save your money", but do really want to live your whole life playing defense? Take control, earn the income you are worth, and force life pay you for your true value. Don't live as one of the "herd" complaining about the J.O.B. and yet never do anything about it.
Former Republican presidential hopeful Mitt Romney endorsed erstwhile rival John McCain on Thursday and urged Republicans to unite behind him in a gesture that could help McCain with disgruntled conservatives.
In the Democratic race, Sen. Hillary Clinton scored a much-needed victory in New Mexico and accused surging opponent Barack Obama of lacking substance and experience as she fought for political traction in Ohio after a string of losses.
After a rough campaign battle between them to be the party's nominee in November's election, Romney offered conciliatory words to McCain a week after dropping out of the race, calling him an American hero.
"Even when the contest was close and our disagreements were debated, the caliber of the man was apparent," Romney said with McCain at his side. "This is a man capable of leading our country at a dangerous hour."
McCain said it was a hard campaign but "now we move forward together for the good of our party and our nation."
"We had differences on specific issues, but there was never any doubt about the common philosophy and principles and dedication to the party of Abraham Lincoln, Theodore Roosevelt and Ronald Reagan that we share," he said.
Romney, 61, and McCain, 71, had battled bitterly over who was the real conservative in the race, culminating in a caustic debate in California on January 30.
That was set aside in Boston at Thursday's endorsement ceremony, which was intended to encourage Republican conservatives long distrustful of McCain to unite behind the all-but-certain nominee.
"I still have my views, the senator has his views, but as a party we come together," Romney said. "We can't possibly incorporate all views of all Republicans into one individual, because we have differing views."
If Romney's 282 delegates were added to McCain's 822, it would give McCain 1,104, putting him within easy reach of the 1,191 needed for nomination. But Romney's delegates are not necessarily bound by his recommendation.
Many conservatives distrust McCain because of his moderate views on illegal immigration and for having originally voted against President George W. Bush's tax cuts. Persuading them all to turn out for him in the November election will be a central challenge.
McCain still faces opposition from former Arkansas Gov. Mike Huckabee, who has picked up the support of some conservatives who had been backing Romney.
"This election should be about choices and voices, and not a coronation. Until someone receives 1,191 delegates, the verdict is not in," Huckabee said after Romney backed McCain.
REPUBLICANS UNITING, DEMOCRATS BATTLING
While Republicans were busily trying to unite, Clinton was trying to stop Obama's wave of momentum.
She welcomed news from New Mexico that she had won the party's presidential contest on February 5 in a vote so close it took nine days to count and verify.
"I am so proud to have earned the support of New Mexicans from across the state," Clinton said in a statement, adding she had been awarded 14 of the state's 26 delegates to the party's nominating convention this summer.
Brandishing a pair of blue boxing gloves given to her at a General Motors automobile plant in Lordstown, Ohio, Clinton portrayed herself as a fighter and Obama as someone who makes a lot of speeches that sound good but do not offer solutions.
"That's the difference between me and my opponent. My opponent makes speeches. I offer solutions. It is one thing to get people excited. I want to empower you," the New York senator said.
Clinton, the one-time front-runner for her party's nomination who now finds herself in political peril, intensified her attack as she was forced to scramble for sweeping victories in Ohio and Texas on March 4 and in Pennsylvania on April 22.
She focused on an area that some Democratic strategists say is a weak spot for Obama -- the Illinois senator's tendency to give uplifting, inspirational speeches that offer few specifics about how he would lead the United States if elected.
Clinton has shaken up the top level of her campaign staff and is attempting to re-energize her White House bid. Many strategists now see Obama as the favorite for the nomination after winning eight states in a row.
A new poll showed that at this point, Clinton is in a strong position in Ohio and Pennsylvania.
The Quinnipiac University poll said she led Obama 55 percent to 34 percent among likely Democratic voters in Ohio, and 52 percent to 36 percent in Pennsylvania.
(Additional reporting by Caren Bohan with Clinton and Jason Szep in Boston; Writing by Steve Holland; Editing by Peter Cooney)
(To read more about the U.S. political campaign, visit Reuters "Tales from the Trail: 2008" online at http://blogs.reuters.com/trail08/
HOUSTON - Former US Federal Reserve Chairman Alan Greenspan on Thursday said the US economy is "clearly on the edge" of a recession.
Greenspan said the economy will continue to erode until there is a stabilization of US housing prices.
"We have a long way to go" before housing prices hit a bottom, Greenspan told energy executives at the CERA conference.
"Stagflation is too strong a term for what we are on the edge of," Greenspan said.
High oil prices are dragging on the economy, but the fact that they haven't done more damage shows it is resiliency.
"It's a burden now," Greenspan said. He added that it's "quite remarkable" that the US economy is "able to do reasonably well" with oil prices near historic highs.
Crude oil futures hit above $95 a barrel on Thursday and went above $100 in early January.
Greenspan again -- as he had last month -- said that the likelihood of the US economy going into recession was "50 percent or better."
The subprime mortgage crisis would already have put the United States into recession if US businesses weren't healthy in part as the result of years of low interest rates, Greenspan said.
"If businesses weren't in extraordinarily good shape, I have no doubt we wouldn't be asking if we're in a recession, but how long and how deep," Greenspan said.
"Obviously, they (businesses) are not pushed for credit," said Greenspan.
Banks have cut back lending and will continue tight controls on borrowing until housing prices backed by subprime mortgages stabilize, Greenspan.
Stagflation is a period when economic growth is stagnant but when prices rise. Recession is at least two quarters of negative economic growth.
22,000 died amid delayed Bayer drug recall: doctor
1 hour, 34 minutes ago
The lives of 22,000 patients could have been saved if U.S. regulators had been quicker to remove a Bayer AG drug used to stem bleeding during open heart surgery, according to a medical researcher interviewed by CBS Television's 60 Minutes program.
The drug Trasylol was withdrawn in November at the request of the FDA after an observational study linked the medicine to kidney failure requiring dialysis and increased death of those patients.
It had been given to as many as a third of all heart bypass patients in the United States at the height of its use over a period of many years, according to the report.
Dr. Dennis Mangano, the study's researcher, said during the program that 22,000 lives could have been saved if Trasylol had been taken off the market when he first published his study in January 2006, according to a CBS News report on its Web site ahead of a broadcast slated for next Sunday.
He said in the broadcast that Bayer failed to disclose to the FDA during an FDA advisory panel meeting in September 2006 -- at which Mangano's negative findings were discussed -- that the German drugmaker had conducted its own research which confirmed the same dangers established by his study.
The chairman of the FDA advisory panel, Dr. William Hiatt, told 60 Minutes he would have voted to remove Trasylol from the market had he been informed about Bayer's study, according to the CBS report.
Bayer spokeswoman Meredith Fischer said she could not comment about the broadcast until it is aired, including allegations that the drugmaker had failed to protect patients.
She said Bayer is facing a number of product-liability lawsuits filed by patients who had taken the medicine or their families, but said she not know how many lawsuits were filed.
(Reporting by Ransdell Pierson; Editing by Gary Hill)
