Ways People With No Money Can Make Easy Money Online

If you are reading this article, you are among the millions of people worldwide who are searching for ways people with no money can make easy money online and a better life. How do I know this? Because you have come to the realization that the more money you have, the better life you can create for yourself. If you have enough money you can pay your debts down, buy a home, buy a car, travel, put money away for retirement, save money for your children's college and so much more.

Without plenty of money you might find yourself in debt, following multitudes of bills. Without a reliable source of income you can not take care of your loved ones, feed them well and provide such simple needs as clothing, school materials and and more.

Fortunately there are ways for people with no money can make easy money online. This possibility takes some time and effort, but after learning certain skills a person can make anywhere from an extra $ 5.00 per day to $ 100 or more.

There are several ways for people with no money can make easy money online such as article marketing, classified advertising and forum marketing to name a few. Each of these ways is available to the budding entrepreneur for free; all you need is a starting point or guide. Some ways that people typically start is through such free methods as article marketing, forum marketing and classified advertising. Each of these methods can be very effective at targeting audiences on the Internet and getting them to purchase a product or service.

This is, of course, the next important aspect of making money online. You need a product or service which can be purchased online. There are many places to find products that you can market for free and make a commission on. Some responsibilities are as little as a few dollars, where others might be several hundred of dollars.

Credit Inquiries – What You Need To Know Before Applying For Credit

Inquiries, by nature, are not harmful to your credit. In order to obtain credit, an inquiry must follow. However, when inquiries become excessive, it will lower your credit score by at least 5 points for each inquiry.

Many experts have stated that inquiries remain on your credit report for 6 months, and then disappear. However, in practice, lenders see about 2 years’ worth of inquiries. This is important to note because today’s credit application impacts your credit two years in the future.

When you receive credit card solicitations in the mail, a credit inquiry was made by the card company. However, these inquiries don’t count against you or your score. If you decide to respond to the solicitation, then you will have a credit hit.

When you’re shopping for a home loan, you can have multiple mortgage company inquiries without affecting your credit score. However, in general, the inquiries must be within 30 days of the first inquiry. Therefore, before applying to the first company, make sure you have all of your finances, documentation, and questions in order. That way, you can make multiple applications within the 4-week window.

Inquiries are especially scrutinized by mortgage companies. Guidelines vary, but if they see at least 10 inquiries, they will note a pattern of being a “credit junkie.” It impacts your approval because they suspect that, after you get their loan, you will apply for more credit. Chances are you will max out your credit limit, increasing your monthly debt load. An increased monthly debt load can lead to trouble meeting payment obligations. Trouble making mortgage payments can lead to foreclosure.

When you are applying for a mortgage, do not apply for any further credit until your loan is closed. Many mortgage companies will run another credit report prior to closing your loan. If they see a non-mortgage company inquiry on your credit, that might be enough reason to revoke an approval.

If you’re applying for credit over the phone, try to get a general idea of what the approval criteria is for the credit company. If you know your credit score, you can avoid needless inquiries. You can easily find out from a lender what credit score is needed for an approval.

Note that the lender cannot tell you, before pulling your credit, whether you’ll be approved or denied for a loan. For example, if you tell them that you filed bankruptcy 6 months ago, they cannot tell you that you will be denied. This is a Fair Credit Reporting Act violation. They will have made a credit decision without looking at your credit report. There is no way for them to know if you’re accurate in your own credit assessment.

What they can do, however, is tell you their general guidelines. For example, this is a perfectly legal way for them to respond: “In general, our guidelines state that you must be out of bankruptcy for at least 2 years and have a score of at least 620. However, without looking at your credit report, I can’t make that determination. The best thing to do would be for us to continue with an application. May I continue?”

You can then decide at that point whether you want to risk a credit inquiry. Of course, if it’s plainly obvious that you’ll be denied, you can walk away, save the inquiry, and begin a score-boosting campaign.

Do not be in a rush to obtain credit. Very seldom will you come across a situation where you’ll need instant credit to avoid a catastrophe. When you take your time, you can examine your own credit and take the necessary actions to raise your score. When you’ve cleaned your credit, your chances of approval will soar, and you will have avoided unnecessary inquiries that would have lowered your score.

Concierge Medicine’s Best Kept Secret, the Price

If there’s one thing we’ve learned in the past several years about concierge medicine through observing this emerging health care market, it’s that people really don’t understand that it’s not about price. We think of these pioneering doctors who carry around a medical bag with a stethoscope inside and who come to the aid of our family and our bedside as visionary physicians who want to normalize their practices and get back to practicing medicine as it was before 1960.

According to data analyzed from nearly 1,000 currently operating concierge practices in the U.S. between 2011 and 2013, we’ve determined the national average annual fee for concierge medical services is between $1,400-$1,700 per patient per year. Large networks of concierge medicine and direct primary care doctors have claimed a significant portion of the concierge doctor market share and thus help to keep prices from inflating too high in major metropolitan markets.I have found that some independent concierge doctors, those not affiliated with the larger franchise consulting companies, who are not part of a large group may charge higher rates, $2,500 and up.

If more people are exposed to the cost value of concierge medical care, it will make a big difference in what they spend. A recent story ina widely popular national newspaper supports this belief. The paper reports that the State of Indiana has a high-deductible plan and another that’s a traditional HMO. People in the high-deductible plan spend thousands less than those in the HMO.

‘The average expense in 2009 for patients in one of these [high-deductible] plans was $6,393,’ the paper writes, ‘compared with $8,570 for patients enrolled in a more traditional health maintenance organization plan.’

It’s also a fact that nearly 60% of concierge medical programs across the U.S. cost an individual less than $135 per month. Some programs cost as little as $10 per month for children. Patients typically receive unlimited access to the doctor at their home, work or the doctor’s office along with unlimited technology visits, such as cell phone, web cam, email and texting. Furthermore, many concierge and direct primary care doctors offer access to wholesale pricing on prescriptions, lab tests, imaging services and medical supplies for pennies on the dollar.

Average Combined Annual Household Income of a Concierge Medicine or Direct Primary Care Patient Is:

  • 34% – earn less than $100,000 each year
  • 39% – earn between $100k-200k per year
  • 14% – earn between $200k-$300k per year
  • 5% – earn between $300k-$400k per year
  • 3% – earn between $400k-$500k per year
  • 2% – earn between $500k-$600k per year
  • 1% – earn between $600k-$700k per year
  • 2% – earn between $700k and above per year

In 2010, I submitted this data to a prominent financial publication and told them that ‘Utilizing a blended rate based upon national averages for current fees charged for concierge medical care, an estimated 9,285,714,286 people could be provided concierge medical care with the 13 trillion dollar debt. Carrying this out 928,571,429 people could be provided this care for 10 years. These figures are based upon information obtained through average pricing surveys conducted from 2009-2010.’

Here’s the upshot: When you combine high-deductible health plan policies with a concierge medical program, you empower people and families to make better decisions about their health care, they in turn receive more comprehensive medical care and then the savings happen and stronger relationships occur between the physician and their patients. One concierge physician said it best when she said that her patients can say ‘I no longer have a doctor who needs to look at my chart to know my name.’

Streamlining Your Personal Financial Documents

Every week you introduce more paper into your home, in the form of newspapers, magazines, flyers, coupons, schoolwork, correspondence, bills, and other documents. It may or may not be difficult for you to ensure that reading material and advertising is discarded when you are finished with it, but when it comes to financial documents, it can be much more challenging to determine what you need to keep, and what you can toss. Here are a few simple guidelines.

Discard credit and debit card receipts and bank slips once the item has cleared your account, except in the following circumstances.

a) You will be claiming the expense on your income tax return. All supporting documentation must be retained for a designated period of time in case of an audit. You should check with your local tax authorities if you're not sure what the regulation is where you live.

b) The item is under warranty, in which case you may be required to provide proof of purchase in the event of a claim.

c) The item is expensive and unique, and you will require proof of purchase in case of an insurance claim.

It is important that the requests being filed under the appropriate heading (Tax, Warranties, or Insurance) so you do not waste time looking for what you need when it's time to make a claim or file your income taxes. These events can be stressful enough, so why make it even more frustrating for yourself?

If you are holding onto receipts simply as a reference of your expenses, considering entering the information into a software program such as Quicken or Microsoft Money. This will not only free your home of some of the paper, it will allow you to easily track your income and expenses and to quickly look up any needed information. These programs will also help you to keep track of your current account balances and upcoming bills and to create and track a personal budget.

If you do not want to buy and learn a new software program, you can enter your information into a spreadsheet or database program instead. Other options would be to type the information into a word processor, or to manually enter it into a paper ledger book, but neither of these will give you the reporting power of a financial software program.

When discarding the documents you no longer need, it is highly recommended that they are shredded to avoid the risk of identity theft. This is especially important when dealing with financial documents which may include account numbers as well as your name and address.

Unless you are claiming the expense on your income tax, utility bills and the like can be discarded after a year, as can bank and credit statements. Most companies will not make adjustments if an error is not reported within that time.

By following these simple guidelines, you will reduce the paper clutter in your home, the amount of space you require for your filing system, and the stress and frustration of wasting time searching for the documents you need.