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Most Powerful Gemstone for Money

Gone are the days when gemstones used to be just symbols of fashion. Today, people wear gemstones for specific purposes, as these stones have different vibrations and charges. Gem experts advise different gemstones for people with specific goals in life like improved income, higher levels in job, improvement in health, buying of real estate and many more. Some gemstones are so powerful that you will start seeing results as soon as you start wearing them. Do you want more money to flow in your life? Are you looking for financial prosperity? Are you frustrated because you are hard-pressed for funds? Here is some good news for you. Citrine crystal could be the answer for your problems!

Features of citrine crystals

These crystals contain the power of the sun and are the most recommended healing crystals for clarity of human mind today. This crystal is transparent and comes in light yellow, golden yellow or brown shades. Citron is the name given to lemon in French. These crystals have been named from this word, as they are mostly yellow in color. The yellow component of the precious Quartz stone is called citrine crystal. You can also find these crystals in orange or deep reddish orange shades.

Properties

There are some characteristics that are exclusive to certain kinds of crystals. In this vein, let us look at some of the main properties of these crystals. They also help the human mind to think creatively and are known for helping people with financial well-being. It makes people aggressive and encouragements them to try out newer and wealthier opportunities that they were apprehensive of trying earlier.

Benefits of using these crystals

One of the major benefits of these crystals is that it attracts cash. Therefore, it is highly recommended for people who are looking for improvement in financial health in their lives. It does not need extra maintenance like other crystals. Therefore, you do not have to spend much of your time and money while cleaning these crystals. You can keep citrine crystals in the place where you usually put your money in. Businessmen can keep these in cash boxes so that their profitability increases to a considerable extent.

It is for this very purpose that this crystal is known as the "merchant's stone". However, one important point to note is that these crystals work better when you meditate for a while before using them. The citrine crystals are also known to bring about abundance of mental peace and relaxation in one's life. This is one of the few crystals that come with a flurry of benefits. Some of the purposes for which these crystals are used are the following:

Increases creativity
Improves overall physical and mental energy
Increases confidence and intelligence
Removes all kinds of negative energy
Increases productivity at the workplace
Helps in great interpersonal relationships
Helps in accumulating as well as maintaining wealth – not many stones help in maintaining finances; Therefore, citrine is indeed quite special

So what are you waiting …

The Benefits And Disadvantages of Saving Money

It may come as a surprise, but saving money does have it disadvantages in some situations. In this article you will get to know the benefits of saving money but also the disadvantages.

The benefits of Saving Money

If you aren’t as fortunate that you have so much cash that you can do what you want, saving is a really good option. That way, you can afford something (like a new phone) after a few months. Saving for the future is the way to go if you want to do something nice in the future. When buying new stuff or traveling, you are offered to get something now and pay later. Don’t accept any of these offers ever. These offers are evil. It is basically debt, but when you lose your job or your financial situation changes you might not be able to pay for it later on.

When is it better to not save money?

If you have debt (a mortgage or a credit card) it is better to pay of this debt as soon as possible. It doesn’t make any sense to get 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} interest, when debt will cost you 6{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} (for example). You should pay off this debt, because it saves you a lot of money in the long run. Consider as much overpayments on your mortgage as possible, as soon as possible. It will help you to save hundreds of dollars on the short run. You will save even more on the long run.

The basic saving rule says that you will need 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your income. You can spend a maximum of 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on the things you want in life. The other 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} you can use to save or to pay off any existing debt.…

Return-On-Asset Ratio, Effects on the Loan Portfolio and the Investment Portfolio, and the FDIC

Low Return-on-Asset Ratio

It is always important for management to monitor all of the company’s finance, including income as well as expenses on a regular and frequent basis to make decisions on where to invest the company’s funds.

A low return on assets ratio indicates that unsuccessful or insufficient management of interest rate margin, noninterest income and expenses, and loan loss reserves is present. Banks have been focusing to receive a high portion of net income from noninterest income by providing other services, such as insurance or brokerage. Fees are another source of noninterest income for banks. When noninterest expenses (such as overhead or advertising expenses) exceed noninterest income however, then the return on assets declines.

A low return on asset can also be caused by high loan losses. This usually happens when banks offer loans to people who default on their payments, especially in times when economic conditions are less favorable. The net interest margin of a bank is impacted by many different factors including, but not limited to: interest income, non-interest income and expenses, loan loss reserves. Poor management regarding any or all of these factors result in a low net interest margin and low (if any) net income.

The relationship between the ROA and ROE

Return on assets and return on equity are both measures of a bank’s performance. As mentioned above, the return of assets for a bank is impacted by factors of interest income, non-interest income and expenses, loan loss reserves. Poor management regarding any or all of these factors result in a low net interest margin and low (if any) net income. The difference between the ROA and ROE of a bank is that return on equity depends on the return on assets and in addition depends on the financial leverage of a bank (which is multiplied by the bank’s return on assets to equal the return on equity). There is not a direct relationship between the ROA and ROE. While the ROA high, the ROE may be a lot lower and still decreasing.

Effect on the credit decision in the loan portfolio and the investment portfolio

Credit decisions in the investment portfolio from the stand point of an investor should be based on a bank’s return on assets to measure its performance, and also on its return on equity, which is closely related to the bank’s financial leverage. The lower a bank’s financial leverage, the higher the amount of money the bank simply holds in reserves and does not loan out to people or invest. As an investor, it is important to know that a bank holds enough money in reserves to pay out interest to its investors. The lower a bank’s return on assets the more risky it is to invest in any securities issued by that bank.

Credit decisions in the loan portfolio from the stand point of the bank should not be too conservative, meaning that the bank will only give out loans to people with a low risk of …

Knowledge Is the Key to Success

Successful people know how to get things done. They rely on their knowledge received through experience and education. The most successful have extended their horizons by expanding their education even after they are working for a living. They were studious when they were young, reading everything they saw, and they continue to educate themselves as they grow older. The education that gives them knowledge is the key to success.

I know a number of young millionaires that did not inherit their money. In fact they became rich because they did not have enough money to achieve their goals. Three of them were having a difficult time paying for a college education. While in college they learned to earn money on the Internet. None so far have gone on to obtain an advanced degree, at least not during working hours. They are running their businesses, making more money. One earned over $500,000.00 while in college.

The thing I see about these fellows is that they never stop learning and they never stop sharing their knowledge with others. They do take time off their work but even then they are working at least mentally. They are like that little rabbit that goes, goes, goes.

Somebody said, “It is not what you know but who you know.” This is important because people we know give us knowledge that we need to succeed. My rich friends associate with very successful people. They form a vast pool of knowledge that leaves the rest of us in the dust financially.

It could be, “It is not what you know but who your parents are.”

Rich parents have rich kids. Poor kids have nothing material to speak of. Rich kids are usually well-educated, grounded in the family business, and are often very boring because of their structured lives. Poor kids are always striving. If they strive first for education, they will achieve some of what they need to succeed in life.

I had an older friend when I was little who had a mind for business. Where he got this I do not know for sure but I suspect his father who was in business for himself. His two brothers were the same way. Such aptitude was rare in our neighborhood.

I would walk the highway with my friend, Paul, and we would pick up bottles tossed from cars. With a sack of bottle we would return to the neighborhood grocery and sell them for the deposit. But we were not finished. We went to the junk yard and bought bottles from the dirty old lady that the neighborhood kids knew was really a witch. We haggled and bought and took our loaded wagon, gingerly going over the railroad tracks by the hobo jungle as to not tip our precious load. We then sold the bottles to the grocer for a profit of one cent on each bottle. We repeated the junk yard trips until the grocer said, “No More Bottles!”

To celebrate our success we bought …

The Importance Of Adequate Insurance Cover To Small Businesses

One of the largest risks facing small business owners is a failure to ensure an adequate level of insurance cover for their company – this is particularly true of small businesses who may not quite have the resources to cope with the large financial losses which may be suffered as a result of ‘underinsurance’.

A UK study recently estimated that around 80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of businesses may actually be underinsured, and this figure is only likely to rise given the unprecedented volume of new businesses which are forming by the day in the UK.

As commercial insurance can be a somewhat dry and complicated topic, it is often overlooked by business owners eager to focus their efforts on lead generation, sales, customer service and production.

This is an understandable, yet extremely dangerous view to take, particularly in the modern era.

Unfortunately, claiming that you were ‘unaware’ that you lacked the correct insurance cover will rarely stand up in a court of law, and you must therefore take the time to ensure you are knowledgeable of exactly what is included in your business insurance policy, and what has been omitted.

This needs to be undertaken on a regular basis.

Never take the risk of waiting for a major financial loss before inspecting your insurance cover – instead, analyze your business insurance carefully, and determine whether you currently hold the correct level of coverage, in relation to the risks that are present in your individual business or industry.

Underinsurance is quite a basic concept – it simply means that your insurance schedule is valued lower than the sum of your company’s total assets, and you risk receiving less money in compensation than you require to restore your business to any pre-loss standing it may have held.

The primary reason for inadequate coverage among business owners is complacency – the feeling that ‘it will never happen to me’. However, this is demonstrably untrue, and this school of thought has led to many closed businesses, and a vast amount of unemployed entrepreneurs.

As well as ensuring an adequate level of coverage, it is also important that you update your business insurance accurately, on a yearly basis at the minimum.

The assets of a business can increase or decrease in value on a regular basis, particularly during uncertain economic times, and it is vital that your insurance schedule reflects the health of your business as it currently stands, and not as it stood twelve months ago or longer.

Take the time to undertake a full evaluation of your assets on a yearly basis before renewing your business easily avoided.

Businesses can be inadequately covered for many reasons, but it is important that you immediately examine your current level of coverage, understand the risks involved by remaining underinsured, and make the necessary changes to your business insurance, to ensure you minimize the risks involved with potential underinsurance.

It is often common for businesses to be inadequately covered on any commercial insurance policy, but UK insurers claim that the …

Saving Money In the United States

Saving money is what every citizen in America claims to strive for. Our society, in this time of day is beyond bankruptcy. We have dug ourselves in a hole so deep that the walls would be difficult to find just to try and climb out of. Our deficit is so large that we owe China twice as much as our worth. Business owners are struggling to keep their doors open while large corporations keep prospering taking all the money from people and keeping it to themselves. Most corporate employees get paid minimum wage or just a bit more. So where is all this money disappearing to? Into the fat wallets of corporate owners and into accounts overseas. Instead of recognizing this, our friends, families and co-workers continue to use services of big corporations allowing them to profit. People do not comprehend that if they were to buy their clothes from local stores and shops they would bring revenue into family operated businesses which would allow those families to spend money on other local businesses. This was the trading mechanism society used hundreds of years ago to keep up with bills and survive. This would ultimately be a win for everyone since it would only be money transferring back and forth between ourselves as opposed to the big corporations that move their revenue elsewhere.

Another important method we need to bring to the table is overspending. The average American family acquires about $117,951 of debt which adds up to $2 trillion dollars statewide. It is extremely unusual that Americans are in debt than England earns a year. Why is this we ask ourselves? Is it because our mentality is to want everything that our neighbors have and more? Is it because we are selfish and greedy and will acquire any credit just to live a certain type of lifestyle that we cannot afford? Sadly, this is the honest truth and what lead us to spiral out of control as a country. Our government, along with ourselves, have failed to live within our means.

Here is another myth we live by: “if you pay your credit-card balance off every month, you get “free use” of their money. FALSE. The fact is, 78 percent of credit-card holders do NOT pay off their credit cards every month. Credit-card users spend 12 to 18 percent more when using credit instead of cash. It hurts to spend cash, so you spend less.”

We really need to reevaluate our spending habits and where exactly we spend them. Use a family owned coffee shop instead of the local Starbucks. Shop at the small local shops for attire as, opposed to shopping at the mall. Purchase your car insurance at a family owned agency, instead of getting ripped off by money hungry insurance companies. Most of all stop using your credit cards so much and live more conservatively. Our children are our future and we want to raise them with the correct ethics and morals.…

Procurement Skills – The 6 Key Financial Skills All Buyers Should Have

The term “financial skills” covers a range of activities that a professional buyer or procurement executive needs to have if they are to deliver value for money and manage commercial risk for their organisation. However, these skills are not always covered by conventional training which means that a buyer could be creating needless exposure both for themselves and their career as well as their organisation.

There are six financial skills that everyone who works in procurement should acquire.

1. Financial analysis – this covers the use of financial ratios that enable you to identify suppliers who are under performing compared to their competitors or who might be financially vulnerable and so create a supply risk for you. Ratios compare one financial value with another in order to give you an insight into the way that supplier is run. For example, liquidity ratios look at the ability of a supplier to meet its short-term financial obligations by dividing the value of current assets (such as cash and inventory) with the value of current liabilities (such as creditors). Other ratios tell you how efficient the supplier is in turning sales into profit, generating sales from the use of assets and its ability to grow.

2. Activity based costing – this is a method that takes all of the costs of an organisation and assigns them to the products or services that the supplier sells. The big difference between this approach and more conventional costing methods is that it first allocates costs to the activities that create those costs and then to products or services in direct proportion to the amount of those activities that they use in their production or service fulfillment. What this means is that you get a clearer picture of the true costs of making a product or delivering a service than you get from conventional means. The importance of this for the buyer is that they get an understanding of what drives costs and so what actions suppliers can take to reduce them which in turn lets them reduce the price to the buyer and still make an acceptable profit.

3. Understanding profit and loss accounts and balance sheets – the profit and loss account shows a buyer a summary of all the transactions a supplier has made in a period of time (such as a year) with the resulting profit they make and the balance sheet is a snapshot of the financial position of the supplier at that point in time. Accounting policies that the supplier adopts can make a big difference to the declared profit; for example, a supplier can choose how much to charge each year to the profit and loss account for an asset it has bought and this can have a major impact on the profit in any one year. Knowing what accounting policies a supplier uses can help a buyer to understand their accounts and so make sure that the financial ratios that are used to get an insight paint an accurate …

The Kyani Compensation Plan Explained – How To Make Money With Kyani

The Kyani Compensation Explained

Kyani is a health and wellness company that sells products including its flagship healthy blueberry beverage, through the network marketing business model. If you are a Kyani Distributor, or you are thinking of becoming one, then it is vital that you familiarize yourself with the compensation plan before you start, since this is how you will make money with the company.

How To Make Money With The Plan

Kyani offers a monthly residual-pay compensation plan which, it says, doesn’t punish you for developing strong leaders and also allows you to use volume from your strong leg. It calls its system the Kyani PayGate Accumulator, and it pays up to 44{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of monthly sales volume through 12 PayGates, with no restrictions on depth.

Distributors can earn commissions by buying the product at wholesale price and then selling it at retail price. There is also a Recruiting Bonus, where a bonus is paid out when you sponsor someone new into the business.

On top of this, Distributors can earn a portion of every residual PayGate check in their own organization, up to 9 generations deep, as well as receiving a one-off bonus every time they reach a new rank, and also by qualifying for incentives like the Car Program and the Trip Program.

What They Don’t Tell You About The Kyani Plan

The plan has the potential to be quite lucrative, but like all compensation plans, your success or failure will depend on how many products you can sell and many talented people you can sponsor into the business.

Most people will try and sell just to friends, family or neighbors, but this strategy is unlikely to make you much money in the Kyani compensation plan. You need to be generating hundreds of top-quality free leads every single week, and adding 2-3 people into your business every single DAY, and trying to do this just by selling to your friends and family is almost impossible.

Instead you need to learn the art and science of target marketing using the internet. This strategy, if learned right, will allow you to set yourself up online as an expert, and people will know and trust your name. Hundreds of people every week will contact YOU, asking you about how Kyani can help them, and desperate to join you in your business.

So the truth about the Kyani comp plan is that it can be lucrative, but only if you know the tricks behind making the most of it.

To find out more about how internet marketing could explode your business, see Kyani Success Online…

5 Ways to Make Money From Your Mentalism and Magic Skills

If you have the skills then you can earn a full time living from your mentalism and magic. Let me say from the outset that what I am talking about in this article are magic and mentalism tricks for entertainment. I am not talking about contacting people in the afterlife or casting spells for fun and profit.

What do I mean by mentalism and magic? Very simply, magic uses sleight of hand whereas mentalism uses sleight of mind. A mentalist may ask someone to think of a number then (pretend to) read their mind and tell them that number. A magician may make an object disappear and then magically reappear somewhere else. You can specialize in magic or mentalism and still earn a good living but you will maximize your earning potential if you can do both.

1. Working the tables at weddings and in restaurants

This is a common, and for some, most reliable way to make money in magic. Traditionally, mentalists do not do as well as magicians in this environment. The reason for this is that at weddings and in restaurants there is usually plenty of alcohol flowing and this impairs the audiences ability to follow complex magic tricks.

The earning potential is reasonable but the work hours can be long. You should have a five minute routine that begins with a quick and impressive opener that grabs attention. Be prepared for rejection and heckling. None of your audience have actually chosen to see a magician (or mentalist) but have been chosen by you approaching their table. Not everyone likes magic and some may see you as a threat, stealing attention away from them.

2. Working on cruise ships and in holiday resorts

Here you can find regular work albeit seasonal work. If you want to go down this route you must be prepared to find other avenues of income during the off-season. To work in this area you need to have a full stage act. You can choose either magic or mentalism. Audiences can be tough and you will be expected to please the crowd if you want to continue working.

3. Creating and publishing your own magic and mentalism books and DVDs

If working in front of a live audience is not for you, you can sell your ideas to other magicians. Typically this means creating books and DVDs that teach others how to perform the tricks and routines you have created. The earning potential varies from a few dollars per eBook to several hundred dollars. How much you earn will depend on how many copies of your product you manage to sell. There is a great deal of competition in this area and it can be difficult for a newcomer to break into the market.

4. Corporate magic and mentalism

Mentalists in particular can earn large incomes working in the corporate environment. For example, businesses exhibiting in large conventions spend thousands of dollars attempting to lure people over to their stands. Skilled mentalists …

The History of HMO Plans

Introduction:

Health Maintenance Organization Plans – HMO Plans for short – are a type of managed care program. The idea behind managed care programs is that maintaining good health will be achieved by preventing disease and providing quality care. By maintaining good health, it is believed that escalating health care costs can be controlled.

When HMO Plans were first introduced, members paid a fixed, prepaid monthly premium in exchange for health care from a contracted network of providers. The contracted network of providers includes hospitals, clinics and health care providers that have signed a contract with the HMO. In this sense, HMOs are the most restrictive form of managed care plans because they restrict the procedures, providers and benefits by requiring that the members use these providers and no others.

History:

HMOs were intended to take health care in a new direction. They were designed by the government to do away with individual health insurance plans and to make affordable health insurance available to everyone. At that time employers were purchasing individual health insurance plans for their employees ~ a costly expense that many were starting to forego.

The Health Maintenance Organization (HMO) Act was approved by President Nixon in 1973. The managed health care plans were subsidized by the government and the new HMO-type systems began to grow, typically organized by businesses and community groups eager to make health care available to their workers and members at costs they could better afford. This subsidy created deals from the insurance companies to lure these businesses to buy these new discounted low cost health plans for their employees instead of the costly individual health plans.

Feeling the power of the government behind them and the frantic desire of employers to enroll their employees in these new HMO Plans, insurance companies began to apply pressure to doctors to join an HMO. Doctors were told that if they didn’t join, the insurance company would find doctors who would join and they would effectively take all their patients away.  Thus, doctors ended up joining an HMO so they would not lose their patients and subsequently their entire practice. 

As time went on, the Insurance companies added more and more rules each time the doctor’s contract was renewed. The popularity of the HMO Plans meant that the majority of their patients had HMO plans so they accepted the new conditions.  New terms included seeing more patients, more stringent confidentiality agreements, and more services requiring pre-approvals.

Up until the 1980’s most members agreed that HMO’s were a great health plan. However, by the end of that decade, faced with mounting numbers of denied claims, members began to sour on the HMO Plans.

What led to the increase of denied claims? It wasn’t a result of the claims themselves; it was a result of bad investments by the insurance companies.

During the real estate boom, the insurance companies thought it would be a good idea to invest in real estate deals.  Unfortunately, when the savings and loan …