2 comments on “Top Passive Income Ideas, With minimal efforts and time (less than 52)”

Top Passive Income Ideas, With minimal efforts and time (less than 5%)

Last Updated: 31st January, 2019

Ever wondered what could be the top passive income investments? There could be many passive income opportunities, however in this article our endevour is to highlight only the best passive income investments.

— Robert Kiyosaki says, “The main reason people struggle financially is because they have spent years in school but learned nothing about money. The result is that people learn to work for money…but never to have money work for them.”

The above quote is so true, but we hardly give it a thought. Let’s say when we have limited cash, we either think about

working more hours

Or

to ask for a raise so that we can turn our time into more money.

Right?

In this article, we will discuss about the other ways in which you can plant seeds so that your money grows in autopilot mode, i.e. even without actively putting your time & efforts to make money in the longer run.

Before discussing the ideas, let’s look at the difference between Linear vs Passive Income.

Linear Income:

This represents the people who trade Time for Money, for e.g employees or self-employed.

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Now let’s understand what’s wrong with this approach.

First thing is your income is limited and will always be limited. Reason is — there’s only 24 hours in a day & 365 days in a year. As you are trading time for money, and since time is limited, so is the money.

Passive Income:

This represents the people who’s income doesn’t depend on their presence, for e.g. Business Owners and Investors. 

They would rather earn 1% off a 100 peoples efforts, than 100% of their own efforts.

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This is how money works for you, because now you have created a system which is not time bound… Agree?

Now as we have covered the importance of passive income, we know that making money will not be easy and take a lot of hard work. Correct???

Below is a comprehensive list of Passive Income Ideas and depending upon your situation, you can work on any of them:

1. Invest in Crowdfunded Real Estate

Real estate can be a great way to make money while you sleep. However, because it costs so much to purchase a home, using a crowdfunding platform to invest in real estate debt can be a more affordable option.

If you want an easy, low-cost way to invest in real estate, consider using a company like Fundrise. You only need $500 to get started, and they have three main eREITs to choose from.

If you want more options, there is another company called Realty Mogul which has a minimum $1,000 investment.

Even though their minimum is higher than Fundrise, their annual fees tend to be much less since they are between .30% and .50% depending on the deal.

You can also consider checking out Realty Shares which is one of the largest crowdfunding companies around today.

While most deals require at least $5,000, they occasionally offer properties with a $1,000 minimum. The cool thing about Realty Shares is that you get to hand pick the property you invest in.

Want to invest in a specific hotel or a certain apartment complex? They allow you to do just that.

Right now you can use the promo code Partner100 to get $100 bonus for signing up.

Want to buy a rental property and save on Realtor fees? Check out Roofstock which is an online marketplace to buy and sell rental properties. They have a 30-day money-back guarantee, no questions asked.

Keep in mind that there are risks to investing. It is also worth noting that we do have an affiliate relationship with these companies.

2. Dividend Income

Dividend income is dividends paid to shareholders of stocks in the form of cash in your bank account. Dividend-paying stocks are especially enticing for those wanting to make a living with passive income, as they will get payouts each quarter or so. Even Warren Buffet historically is a fan of dividend-paying stocks.

If you are going to go this route, make sure that you educate yourself and pick solid stocks so that you can depend on your dividend income for years to come.

If you don’t have an investment account, check out Ally Invest because trades are as low as $3.95.

This low fee is awesome because most brokers charge around $10 per stock trade.

3. Peer-to-Peer Lending

Peer-to-peer lending is when you loan other people money who don’t qualify for traditional financing. With investment returns often in the 6-10% range, investing money with a company like Lending Club can get you much higher income results than a typical savings or money market account.

4. Get Out of Debt

The less money you’re paying in interest to creditors, the more money you have in your pocket each month. Talk about a simple form of passive income. Getting out of debt quickly can increase your income even more because you’re no longer paying interest to creditors each month.

So if you have high-interest debt that you want to get a lower interest rate on, check out Credible as that have rates as low as 4.99% for refinancing your credit card debt.

5. Open a High-Yield Account

Are you looking for a low-risk way to make passive income? Then look at opening a high-yield savings account with an online bank like CIT Bank that pays 22x more than traditional banks. The currently are paying 1.55% which is unreal.

The yields are much higher than most local banks but still come with FDIC insurance. While this won’t make you filthy rich, it will be a safer way to make consistent income and not lose your money since they are FDIC insured.

6. Write a book

Once the initial work of creating the book is done, and you’ve spent some time developing an effective marketing plan, selling books can be a great way to produce some serious residual income.

I wrote a book called You Can Retire Early and I get a 10% royalty for every book that gets sold.

Once your book is available on a site like Amazon, you could receive a check each month for doing absolutely nothing. Obviously, the more time you spend marketing your books, the more money you’ll make.

7. Rent out a Room in Your House

Do you have an extra room that you rarely use? Why not rent it out to someone looking for a short-term rental on Airbnb. There are millions of people using Airbnb to find a place to stay instead of staying at a hotel, sometimes even for months at a time.

While this is not entirely passive income, it can take a little upfront work but, the returns can be amazing. My friend Steve and his wife make over $1000 per month renting out their spare bedrooms.

If you end up giving this a shot, consider getting a maid service to minimize the amount of time you spend on transitioning from one guest to another.

8. Affiliate Marketing

If you have a website already then this is a no-brainer. Some people are making over $50,000 per month like Michelle who teaches others how to make money online with her course Making Sense of Affiliate Marketing.

If you don’t have a website, you can start one for less than $3/month. Click here to get special pricing of $2.95/month with Bluehost.

Affiliate marketing can be a great way to make passive income because when people click on the affiliate links on your site, you receive a commission at no additional cost to them when they purchase a product or service.

9. Get Cash Back on Shopping You Already Do

You have to shop anyway, so why not get cash back on things you’d normally buy in the first place? I use a site called Ebates that will pay you $10 just for signing up and, it is free.

With their double cash back specials, you can double your passive income earnings if the right items go on sale.

The key to shopping sites like this is to commit to buying only what you normally would purchase and not buy things just because they are on sale.

10. Create an Online Store with Drop Shipping

With the explosion of eCommerce, drop shipping has become very popular. Here’s how it works: you create an online store that offers products from certain manufacturers. A person visits your site, orders a product, and your system sends the order to the specific manufacturer. The manufacturer then completes the order by shipping it directly to the customer.

One of the cool things about this type of business is that you do NOT need to order inventory. The customer pays for the product; you collect the profits, and the manufacturer stores and ships the products to the customer. It’s as simple as that.

If you’re interested in starting a drop shipping business, consider using a platform like Shopify to build your online store.

They even have a 14-day free trial that you sign up for here.

11. Create an Online Course

Online courses can be a great source of passive income. Here’s how they work: you create a value-packed online course that helps solve a problem or fills a need.

The course can include videos, e-books, and emails with pertinent information. Customers sign up to purchase the course, and your system automatically emails them everything they need to access the materials.

You get money for the price of the course that you created and automation from a site like Teachable does all the heavy lifting for you.

12. Create YouTube Videos

Everyday regular people like you and me are making money on YouTube. Each time someone watches one of your videos, ads can appear, and you can make money from those ads. The key to becoming successful with YouTube is building a large enough subscriber and viewer base.

It can take a lot of time up front, but once your videos are live there is potential for you to make passive income from each video indefinitely.

Granted you probably will not make a living off of just a few videos, so be prepared to make over 100 videos if you really want this to take off.

13. Start a Business and Have Someone Else Run it

Owning a business can be a good passive income source, provided you’ve got the right people running the business for you. Whether it be through the purchase of an existing business or opening a new business, your great business idea can be a viable source of passive income.

For some creative small businesses that you can start for under 100 bucks, check out the $100 Startup by Chris Guillebeau. These are all verified businesses that grew to over six figures per year and started with very little money up front.

14. Buy a Vending Machine Business

A successful vending machine business can be a great way to make passive income. The key is to find the right places to install your vending machines. Check with smaller brick and mortar businesses that have over 100 workers in the building on a daily basis, and see if they need vending machines.

Another key to vending machine success? Ask those workers what items they prefer to have in the vending machine and then stock accordingly. Once again, if you want to reduce the amount of time that you are involved, consider hiring someone to stock the machines for you.

15. License Your Photos

Have you ever wondered how you could make money taking pictures? Do you have an eye when it comes to taking good photographs?

If so, check out a site like Shutterstock where you can send them your pictures and if approved, each time one of their clients downloads one of your photos you get a paid a royalty.

16. Create a Mobile App

If you are a bit techie and can come up with some unique ideas for mobile apps, or improve upon an existing app that will help people make their lives better, you may land yourself a great source of passive income.

Every app on your phone is making money for somebody, somewhere. For instance, Joel Comm made over $1Million from his iFart app.

We won’t even talk about the ridiculous money that Angry Birds brought in.

While these are the exceptions, there are plenty of people making thousands of dollars per month with their mobile apps.

17. Rent Your Car for Ad Space

How would you like to make money just for driving your car and not have to pick up any passengers? By allowing companies to place advertisements on your car windows, you can earn a few hundred dollars each month simply by driving your car around town.

Check out Wrapify to see how you might be able to make passive income by wrapping your car with an advertisement.

18. Buy an Existing Online Business

The beauty of an online business is that most will allow you to work from anywhere. Starting one from scratch can take a lot of time and resources, so why not consider buying an already established online business? Websites such as Biz Buy Sell have hundreds of online business listings that are for sale in varying price ranges.

Check to see if there is an online business for sale that is in line with your passions or hobbies. Because if you are going to be working, why not do something you actually enjoy doing.

19. Buy a Laundromat

Here’s another turnkey passive income business idea. Many cities have established laundromats that are available for sale.

Here is how it would work:

  1. Buy the already existing business
  2. Make sure that you have someone to manage the day-to-day operations,
  3. and then “soak up” the profits.

The reason why you would want to buy an existing one is that the startup costs are pretty high. Commercial washers and dryers are not cheap, so it makes a lot more financial sense to buy an already established laundromat than starting from scratch.

20. Open a Batting Cage

I am shocked by the lack of batting cage facilities. Baseball is one of the most popular sports for kids in America, yet, batting cages are hard to come by depending on where you live.

Something to be aware of though, is that these can require a lot of money up front. You will have to have a big facility, equipment, and someone to open and close.

So make sure to do your due diligence before you invest too much money in this endeavor.

21. Product Design

Another way you can make passive income is by designing t-shirts and other products even with no prior design skills. Some sites allow you to upload your witty design ideas and then create t-shirts, coffee mugs, laptop covers, etc.

Shoppers then visit the site, check out your products, and when they purchase one of your designs, Red Bubble will pay you a portion of the profits.

22. House or Pet Sitting

One of the easiest ways to literally make money while you sleep is by house and pet sitting. You have to live and sleep somewhere, so why not get paid to stay at someone else’s house and/or pet sit while they’re on vacation?

Provided there are no unreasonable home maintenance expectations, house or pet sitting can be a great way to put some extra income in your pocket. While not totally passive, it beats having to get a job and is pretty dang easy.

23. Bond / CD Laddering

Bond and CD laddering involves owning several different bonds and/or Certificates of Deposit that mature at several different times during the year and taking the profits from those investments as cash income during the year.

Although many CDs and bonds might not earn as much of a return as a Peer-to-Peer lending investment, bonds and CDs also generally come with little to no risk, ensuring a solid income source on a regular basis.

24. Rent Your Stuff

Thousands of people every day are looking to rent any variety of items. Craigslist can be a great place to advertise your items for rent. Here are some ideas of products that you could rent out: extension ladders, party tents, tables and chairs, utility trailers, log splitters, chainsaws, snowmobiles, and ATV’s.

You can even rent out your car when you are not using it with a company like Turo.

Just make sure that you have a proper rental agreement signed by both parties, get paid in cash beforehand, and get a current photo ID and secondary proof of address to protect the property you’re renting out. For extra peace of mind, consider requesting a security deposit as well.

As you can see there are a ton of ways that you can make passive income. Hopefully, this list has helped you narrow down which source of income is best for you. So if you’re tired of the traditional way of making money, implement a few of the passive income strategies above so you can start working less and making more money while you sleep today.

1 comment on “Beautiful Moraine Lake – “Photography is the story I fail to put into words””

Beautiful Moraine Lake – “Photography is the story I fail to put into words”

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A beautiful picture of Moraine Lake, which is a glacially fed lake in Banff National Park, 14 kilometres outside the Village of Lake Louise, Alberta, Canada. It is situated in the Valley of the Ten Peaks, at an elevation of approximately 6,183 feet.

Saskatoon – First Snowfall 2018

0 comments on “Fall Tune-Up Sporting Clays Fun Shoot, Steak Supper & Auction”

Fall Tune-Up Sporting Clays Fun Shoot, Steak Supper & Auction

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The Saskatoon Gun Club is open to the general public on Tuesday & Thursday evenings 6pm to dusk & Sundays noon – 4pm.

Event Details:

This is a Rain/Shine Event.
Prepare yourself for the fall hunting season or to have some recreational fun by shooting either 100 or 200 Targets on SASKATCHEWAN’S LARGEST sporting clays course.With 16 stations and 33 machines there will be various target presentations for all shooting abilities. Targets include, quartering in, quartering out, crossers, teal verticals, loopers, crossers, rabbits, overhead & high crossers from the towers and of course the favorite poison bird.

 

Location:

Saskatoon Gun Club Take Hwy#5 east of Saskatoon to Old 27 road, turn north till gun club road, turn east to gun club Detailed directions/map www.saskatoongunclub.com
Shoot Details:
100 targets Sat AM*(optional) 9:00am registration 9:30am shooting begins $ 20
100 targets Sat PM 1:30pm registration 2:00pm shooting begins $ 80
*only available to shooters registered for the evening shoot. 

Tickets: online @ Eventbrite.ca

Website

www.saskatoongunclub.com

3 comments on “Canada PPR – Easy Step by Step Process – Express Entry”

Canada PPR – Easy Step by Step Process – Express Entry

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Ever wondered how to apply for Canada PR? This article lists all the important information including latest changes in Canadian Immigration.

Express Entry was launched by the Canadian government in 2015 to make it easier for skilled workers to obtain legal permanent residency status. The Express Entry system takes place online, allowing candidates to fill out profiles with their language skills, age, job experience, education, transferable skills, spousal qualifications, and more. The profiles are assigned points, and then matched with high-demand labour fields. Applicants with the highest scores are invited to apply for the Canadian permanent residence visa. The visa will be processed in six months, which is much faster than other immigration routes.

Step 1: Find out if you’re eligible

There are two ways to find out if you’re eligible for a program that is part of Express Entry:

Step 2 – Online Profile

Applicants must begin online, where they create a profile. Once you have registered your online profile, you will be registered with the Job Match account. This is a job bank that helps employers connect with prospective applicants. You can begin searching for a job right away.

Step 3 – Document Checklist

In order to properly score your application, the system will need relevant documentation. To that end, the system will generate a personal document checklist. Mandatory documents at this stage include birth certificates, marriage and divorce certificates, evidence of common law marriage, adoption and custody records, job offer letters, proof of educational credentials such as a CV or resume, proof of work experience, digital photos, and proof of funds. Some people will also be asked to provide medical exam or other special documents. You will also need to send your Educational Credential Assessment, or ECA, along with language test results, to the CIC.

Step 4 – Scoring

The Express Entry tool will rank you with the Comprehensive Ranking System (CRS), which is a points-based system that will give you a numerical score. The CIC will invite applicants with the highest scores in the pool to apply for permanent residency.

There are no minimum points required for Express Entry. However, CRS scoring is transparent. A person will receive points for the following factors:

  • Age: the maximum score is 110 points if the applicant is between 20 and 29 years’ old
  • Education level: the maximum score is up to 150 points for a PhD
  • Language proficiency: up to 160 points for proficiency in English and French
  • Canadian work experience: the maximum score is 80 points for people with five years of experience
  • Skill transferability: the maximum score is 100 points
  • Education of spouse/partner: up to 10 points
  • Language proficiency of spouse/partner: up to 20 points
  • An additional 600 points are available if a person is nominated through the Canada Provincial Nominee Program after receiving a job offer or graduating from a post-secondary institution in Canada.
  • Siblings: in 2017, CRS was changed to award up to 15 points if you have at least one sibling living in Canada.

Step 5 – Invitation to Apply

If your score was high enough to be selected from the applicant pool, you will receive an invitation to apply (ITA). Within 90 days of notification you must submit a completed electronic application for permanent residence. Most complete applications can be completed in six months or less.

Remaining in the Pool or Reapplying

If you are not invited to submit an application for permanent residence, you can still remain in the pool for up to 12 months, as long as you continue to meet the criteria for at least one of the federal immigration programs. If your situation changes or you acquire new skills, you should update your profile.

If the CIC does not invite you to apply for permanent residence within this timeframe, you can start over with a new profile. Assuming you continue to meet the criteria, you will be re-entered into the pool, where you can try your luck again.

Questions?

Please comment below and we will be happy to assist!

RELATED POSTS: How to get a job in Canada for Immigrants and Newcomers

 

0 comments on “Lemonade Diet – Practiced by Hollywood celebrities”

Lemonade Diet – Practiced by Hollywood celebrities

Last Updated: 25th February, 2019

Lemonade Diet – Practiced by Hollywood celebrities

Lemonade Diet or Detox Diet or Master Cleanse may not be familiar to many people, however it’s a fact that several Hollywood celebrities have practiced it. Ever Wondered How to Loose Weight Fast?

Angelina Jolie’s done it, Jennifer Aniston’s done it and even Beyoncé’s done it, so what could be so bad about the lemon detox diet? The Lemon Detox diet is known originally as the Master Cleanse and claims to detox on the body and have the positive side effect of promoting weight loss. It gained popularity when Beyonce, the famous Hollywood singer lost around 20 pounds in 2 weeks after following this diet.

Should I stop taking my medications while doing the Master Cleanse?

  • Prescription medications should not be stopped during the Master Cleanse unless approved by the doctor who prescribed the medication or another qualified physician.
  • Stanley Burroughs does recommend that over-the-counter vitamins and supplements be stopped during the Master Cleanse.

What else can I eat on the Master Cleanse?

  • The short answer is NOTHING.
  • The long answer is (also) NOTHING.
  • However, you may drink as much of the Master Cleanse lemonade drink as you want and also organic peppermint tea.
  • Following the Master Cleanse lemonade regimen strictly for at least 10 days is what will give you the best results.

In our daily hectic routine, it has become natural that most of us look for quick ways of losing weight. Several crash diets and fad diets have come into being for weight loss in a short span of time and Lemon Detox Diet, is one of the most popular and effective among fad diets. It has proven to be effective, easy and less time taking than other diet plans. It helps in destroying free radicals and toxins in the body. It involves the use of lemonade that works as a cleansing agent and detoxifies the whole body. Apart from weight loss, this diet plan is beneficial in several other ways.

The Lemon detox diet plan is for 14 days in which you are not allowed to consume any solid food. All you can consume is the lemon prepared detox drink. No food is to be consumed during the course of this diet as it minimizes the effect of lemon detox drink on your body. This drink works as a master cleanser as it eliminates all free radicals or toxins from the body. It clears your digestive tract, increases the metabolism rate, eliminates excess fat, nourishes your body and gives you energy. Ensure to drink at least 2 liters of detox drink every day as there should not be lack of water in your body. This detox drink becomes your breakfast, lunch, dinner and snacks for two weeks.

Precautions to Consider:

Though lemon detox diet is highly effective and beneficial, there is a need to exercise precaution while following this diet.

    1. It is advisable to end and start the lemon detox diet carefully. Sudden intake of food after this diet plan is not advisable as it can lead to health issues. One must go for liquids, then light food and then heavy food consumption. Gradually one should resort to a normal diet.
    1. During this diet, one can have a deficiency of vitamin and minerals. This diet should be discontinued if any health issues are experienced.
  1. More than 2 liters of lemon detox drink should be consumed in a day as dehydration can take place if enough water is not there in your body.

Lemon Detox Drink – Preparation ?

Lemon detox drink is easy to prepare. All you need is the 4 easily available things listed below.

Ingredients needed (for 1 glass):

    • Pure Water (25 ml)
    • Freshly squeezed lemon juice (20-30 ml)
    • Maple syrup (Organic) – (20ml)
    • 1/10 teaspoon cayenne pepper

Mix all the above ingredients well, and your drink is ready. You can make this drink for whole day use and also store it in the refrigerator. You can go either with cold, normal or warm water.

The Lemon detox drink provides you essential minerals and vitamins while diet plan as no other food consumption is allowed. Being a powerful antioxidant, it detoxifies your body. Dietary Fiber in lemon helps in improving digestion and eliminating waste material, thus cleansing your intestine. Lemon plays a vital role in this diet, so its quantity is important.

Maple syrup is a sap from the sugar maple tree. It is a natural sweetener that besides sweetening the drink, also helps in detoxifying your body. Organic maple syrup is recommended as several chemicals, fertilizers, etc. reduce its beneficial effect and can lead to health issues.

Last ingredient, cayenne pepper also plays an important role. It also helps in cleansing your system as it is an excellent antioxidant. Being rich in dietary fiber it helps in removing waste material, improves digestion, helps in burning fat. Its addition to detox drink is necessary. If you are not comfortable with its quantity, you can minimize it a bit.

Benefits of Lemon Detox Diet Plan:

• Lose weight while you rejuvenate
• Free your body of harmful toxins
• Boost your energy and endurance
• Glowing skin and shinier hair
• Improve confidence and self esteem

Also, if you are troubled by obesity, you can try out the lemon detox diet for a drastic weight loss. Enlisted below are detailes benefits of lemon detox diet.

1. Facilitates Quick Weight Loss:

The lemon detox diet plan became popular because of this benefit. This diet plan has proven to be effective in losing weight. It detoxifies your body, improves metabolism and helps in burning fat. Since no food is consumed in the course of this diet calorie intake is negligible. All these factors contribute to quick weight loss in a short span of time.

2. Good for the Digestive System:

Proper digestion is vital for a healthy body. The lemon detox drink promotes food digestion and waste elimination by inducing bowel movement. We never give a break to our digestion, as we start eating from our birth and eat until we die. Thus, our digestive system never relaxes. When we go on the lemon detox diet, we cut off ourselves from solid food so our system gets a break and a chance to clean itself in the course of the diet. The detox drink gives your digestive system the required nourishment. The elimination of all waste material from the digestive tract makes your digestive system fully cleaned and nourished.

3. Boosts Immune System:

A weak immune system increases the risk of catching several diseases. As we all know, our immune system enables us to fight against illness and protects our body from all kinds of disease-causing germs. Our immune system protects our body against all kinds of ailments ranging from the common cold to wounds to cancer. Lemon is an excellent source of vitamin C that is a powerful antioxidant as well as other nutrients, all of which boost your immune system. Following this diet is a great way of minimizing the risk of various diseases.

4. Healthy and Glowing Skin:

The harmful toxins and free radicals adversely affect your skin quality and lead to several skin issues. Free radicals are responsible for causing pre-mature ageing that is visible on the skin in the form of fine lines, spots and wrinkles. Studies have shown that when your body detoxifies, you face fewer skin problems and have smooth, clear skin. By removing toxins from your system, this detox diet plan provides you with a clear and glowing skin.

5. Mental Health:

Studies have revealed that the mental health of dieters improves after detox diet plan. This improvement is because when they lose weight effectively, they regain their self-confidence. The detox diet plan improves your mental clarity.

1 comment on “Best Book to Understand the 2008 Financial Crisis – After 10 years”

Best Book to Understand the 2008 Financial Crisis – After 10 years

Ever wondered what caused the Banking Crisis in 2008?

Too Big to Fail: The Inside Story of How Wall Street and Washington Fought to Save the Financial System — and Themselves

In one of the most gripping financial narratives in decades, Andrew Ross Sorkin – a New York Times columnist and one of the country’s most respected financial reporters-delivers the first definitive blow-by-blow account of the economic crisis that brought the world to the brink.

Through unprecedented access to the players involved, he re-creates all the drama and turmoil of these turbulent days, revealing never-before-disclosed details and recounting how, motivated as often by ego and greed as by fear and self-preservation, the most powerful men and women in finance and politics decided the fate of the world’s economy.

  • Named a Best Book of the Year by:The Economist, The Financial Times, Business Week
  • Winner of the Gerald Loeb Award for Best Business Book
  • Too Big To Fail is too good to put down. . . . It is the story of the actors in the most extraordinary financial spectacle in 80 years, and it is told brilliantly.” —The Economist
  • “Vigorously reported, superbly organized . . . For those of us who didn’t pursue MBAs—and have the penny-ante salaries to prove it—Sorkin’s book offers a clear, cogent explanation of what happened and why it matters.” —Julia Keller, Chicago Tribune
  • “Sorkin’s prodigious reporting and lively writing put the reader in the room for some of the biggest-dollar conference calls in history. It’s an entertaining, brisk book.” Paul M. Barrett, The New York Times Book Review
  • “Sorkin’s densely detailed and astonishing narrative of the epic financial crisis of 2008 is an extraordinary achievement that will be hard to surpass as the definitive account.” —John Gapper, Financial Times

Top Customer Reviews:

“Too Big to Fail” is an altogether excellent book by financial journalist Andrew Ross Sorkin. It’s a compelling narrative that tells the story of how the nation’s largest and most prestigious financial institutions came to the brink of collapse – and almost took the entire economy with them – in the great economic crisis of 2008.

According to Sorkin, the financial downturn that occurred in the summer of 2008 was actually years in the making. Many of the nation’s greatest investment banks, along with their commercial bank counterparts, had been busily dealing in high-risk subprime mortgages for years. As long as demand for housing remained high, so did housing prices; however, when massive numbers of people began defaulting on mortgages they could no longer afford, the housing market suddenly crashed, credit froze up, and banks began to fail…

…Thus begins the story of America’s economic meltdown in the late summer and early autumn of 2008. With the collapse of the housing markets, many of America’s oldest and greatest investment banks – among them Bear Stearns, Lehman Brothers, and Morgan Stanley – also find themselves threatened by total failure. So do commercial banks like Citigroup, Wachovia, and Bank of America; insurance companies like AIG; and the two government sponsored mortgage guarantors (Fannie Mae and Freddie Mac). Now, U.S. Treasury Secretary Hank Paulson, New York Federal Reserve Bank President Timothy Geithner, Congress, and other government regulators must find a way to save these financial institutions from ruin. If they don’t, America faces the very real possibility that its entire economic system may collapse.

0 comments on “Majority of Canadians haunted by Financial Stress”

Majority of Canadians haunted by Financial Stress

Are you stressed about your personal finances? I’m sure you are, and that’s the reason you are reading this article. According to the Financial Planning Standards Council – Financial Stress Survey, 41% Canadians cite “money” as the greatest reason of stress.

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Here are top 3 Simple and Easy steps which will ensure that you regain some confidence about your personal finances.

  1. Weigh in financially

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Where are you now, how much do you earn, your spending habits, and how much you owe.

2. Create a Goal Plan

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What are your goals (short term & long term)? Saving for a home, buying an SUV, saving for children’s education, paying off debt?

3. Action Plan

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The next question is how are you going to get there? Are you going to earn more, spend less, automate your savings, or all 3?

Here is the solution:

Taking charge of your personal finances is the best way to reduce money related stress. 

  • Find & Cancel Unwanted Subscriptions

If you analyze your transactions to find all your recurring subscriptions, you will at-least find 1-2 subscriptions which you no longer use. So, why not cancel them?

  • Get out off credit card debt

A technique lot of people like to use to get out off debt is to pay off small credit card balances first. This can have a powerful psychological effect on many people because it can feel like they are making progress sooner. This can be very encouraging and provides a lot of people with motivation to keep paying down their debt.

  • Remove your payment information from Online shopping carts to cut down on Impulse purchases.

  • Consider a cooling period of 24 hours before buying a “want” as compared to a “need”.

  • Consider opening a TFSA or RSP

If you don’t have one, consider opening a TFSA or RSP. Start to save, even as little as $50 a month and it will increase your feeling of financial confidence.

0 comments on “2019 General Election Opinion Poll”

2019 General Election Opinion Poll

How do Indians feel about the upcoming 2019 General Election

Mega Times Group poll:

71.9% of Indians say they will vote for Narendra Modi as Prime Minister again in 2019

India Today Mood of the Nation Poll:

Why 2019 general elections could be a clash of coalitions. In 2019, it’s personality versus arithmetic.

  • Narendra Modi will win 2019 elections as there is no alternative. Really?
  • Ageing population may hurt BJP in 2019 Lok Sabha elections.
  • BJP will fall short of majority if elections are held today, reveals survey.
  • Will Demonetization impact BJP in 2019 elections?
  • What will happen if BJP doesn’t win?

PM Modi believes his government has done a lot for the middle class; here’s why

“The middle class is the only section in the society that bothers about the poorest section and wants maximum benefits to be given to such people. So as a country, it is our not only our responsibility but it is the national duty to uplift the middle class,” says the PM.

The prime minister also said that his government’s policies had benefited the middle class. He explained: “Let’s take inflation. You know what it was then….check newspaper cuttings of reports before 2014, you will come to know that we have brought down inflation from 18 per cent to 2-3 per cent. If there’s any section that has benefitted the most from this, is middle class.”

Total Votes : 41,143,115*

*(Last Updated: 25th February, 2019)

Vote, your opinion matters…

Will NDA Win 2019 General Elections?

0 comments on “Review – Aromatherapy Balms – Can they help you to sleep?”

Review – Aromatherapy Balms – Can they help you to sleep?

Scentered.pngAn incredible way to ease your mind, body and soul could be practicing aromatherapy —but believe me, its not always the most accessible to people!

Have you ever tried the Sleep Well Aromatherapy Stick?

If not, maybe it’s time to give it a try.

Handmade in England:

Developed by Lara Morgan and Fay Pottinger, it was a simple idea and fuelled by Lara’s experience of using aromatherapy to help her run a global business and also take care of a family. Lara and Fay joined their expertise and created a truly portable and practical aromatherapy product.

These beautiful all natural aromatherapy balms use high quality blends of essential oils to help you feel rejuvenated and relaxed.

Light and compact enough to carry in your bag, the Sleep Well balm is deeply therapeutic with a sophisticated oriental floral lavender blend of 14 essential oils. An natural therapy balm to support restful, restorative sleep at home or away. Life is so much better when you sleep well!

Each balm has been carefully formulated with a blend of moringa and shea butters to ensure non-greasy residue on the skin and long lasting fragrance delivery. With up to 25 essential oils in each balm, you should start to feel the benefits within 5 – 20 minutes of application.

What is Aromatherapy ?

It’s is all about using the natural oils either absorbed through the skin and inhaled as fragrances to improve your overall mental and physical being. The scentered essential oil is packaged in a convenient, easy-to-apply stick (like a glue stick or lip balm).

You use a small amount on your wrists and other pulse points at bedtime and breathe deeply. You can apply as often as you feel as the portable size can easily be carried along with you.

1 comment on “Top features in Android 9 Pie”

Top features in Android 9 Pie

Android 9 Pie.png

It’s official now that Android 9 will be called Android Pie. This latest version of Android mobile operating system will be rolled out to select smartphones. Android Pie shifts the focus on artificial intelligence, which will power the user experience on the OS.

Android 9 Pie is a feature-rich update, with subtle design improvements, helpful shortcuts, and a big focus on AI through adaptive settings. Google is trying to make your phone more personal, more efficient, and easier to use.

The article lists the topmost best features Android Pie brings to the operating system.

1. Digital Wellbeing

Google has taken the first step towards digital wellbeing which is often understanding more about how you interact with technology and introducing newer ways to keep you more informed and proactive.

It’s a dedicated area with dashboard that will give you an accounting of how many minutes you will spend on each app on your smartphone and also how many times you are picking up your phone and unlocking it etc.

You can also allow it to remind you of taking a break or set time limits and get alerts when you are reaching them.

Your time watched profile gives you a closer look at how much time you spend on YouTube, as well as comparisons to previous time periods.

2. Nice overview of Apps – Slices

Earlier versions of Android had recent apps will used to start horizontally, and then  Google started them stacking vertically, now it’s back to horizontal mode with some really nice improvements.

The overview screen has got the search bar along with the ability to get the list of all the apps in just one gesture.

3. Smarter Adaptive Battery

A new feature called “adaptive battery” is included with Android Pie. A smart battery is an amazing feature as it understands and deciphers the app’s functioning. This feature ensures only the apps needed are using battery and also helps use your smartphone longer between charges. The Artificial Intelligence adjusts the brightness of the screen based on the environment and user preference.

4. Improved Notification Panel

Android 9 version is updated with additional finishing touches as compared to the last few versions of Android which makes it even better.

This gives users an ability to reply to messages from the notifications area, and now there is a smart reply feature which gives you auto-generated smart replies you can choose in a single tap. This makes replying to simple messages even easier.

5. Improved Navigation

Android 9 Pie comes with a single home button in the screen, with a complete focus on navigation and user experience. This change has been made keeping in mind taller displays and higher aspect ratio. On the lines of Apple iPhone X, Android Pie gives similar swipes and gestures for navigation.