Category Archives: FINANCIAL

8 Facts You Didn’t Know About Women In Prison

8 FACTS YOU DIDN’T KNOW ABOUT WOMEN IN PRISON
#1 – Illness And Injury

There is a higher rate of injury and illness in female inmates, than men. HIV, hepatitis C, tuberculosis, and STDs are very common,

#2 – Menstruation As A Tool

Women are deprived of sanitary products, such as tampons and pads, leaving them to bleed all over themselves and suffer humiliation. Women are given 2 pads for the duration of their period. “Prisons control their wards by keeping sanitation just out of reach. Stains on clothes seep into self-esteem and serve as an indelible reminder of one’s powerlessness in prison.”

#3 – Poverty

Over 80% of women in prison ere poverty stricken, making less than $2000 a year and 90% made less than $10,000 a year.

NEW MAYOR: 26 Year Old in Stockton California

The election of councilman Michael Tubbs as Stockton, California’s first black mayor was one of the few silver linings in an otherwise horrific Tuesday night.

Just 26 years old, Tubbs will also serve as the city’s youngest mayor.

Tubbs is one of several people of color in politics to make history in the 2016 election, and he has been on a path to excellence since his coming-of-age in a struggling South Stockton neighborhood. A high-achieving student, he attended Stanford University after receiving a scholarship from the school.

Tubbs’ time at Stanford ― highlighted by internships with Google and the White House ― was interrupted by the 2010 killing of his cousin. But rather than being deterred from continuing his education, the incident inspired a change in Tubbs’ aspirations.

Stemming from a desire to affect change in his hometown, he began campaigning for councilman in Stockton’s 6th district just months prior to his graduation. Tubbs’ bid for councilman inspired the 2014 documentary “True Son.”

After four years of serving as a councilman, Tubbs is preparing to serve the city on a much wider scale, beginning with police reform. After Tuesday’s landslide victory against incumbent opponent Anthony Silva, he’s hoping to lead the city to a fruitful future.

Can You Really Make Money on Social Media?

laptop_screenshotNow more than ever people are looking for ways to make money online. So, can you really make money on social media? We are here to tell you that, Yes, It is possible. You have to be committed to the process, but there are actually real Paid Social Media Jobs out there! Don’t give up.

Although there are many ways to develop online profits, it was important that we feature one of the better ways of making an online income through social media on our site. This way, we are able to tell you first hand that it works.

Pay_pal_screenshot1Read more, if you are truly committed to learning more about how you can really make money on social media Click Here!

5 Apps for Making Money

Apps, making money, psychology of money, money, finances, investment, retirement, savings

Imagine if every time you reached for your phone, you could earn yourself a few extra bucks. Sounds pretty good, right? Really, everytime you turn around people are interested in making money online or other.
We thought so, too. Below, we’re highlighting five buzzed-about apps that promise to make you some cold, hard cash this summer.

But wait, there’s more! We also road-tested ’em, that way you know which ones are worth your time. Whether you’re standing in line at the grocery store or absentmindedly watching TV, these apps want to fatten up your wallet (and help you lock down that gorgeous, perfect-for-wedding-season dress you’ve been eyeing up all season!).

CoSign

Platforms: iOS and Android

How it works: This app basically pays you for posting selfies. All you have to do is tag the brands you’re wearing, and if anyone clicks through to buy the products, you get a cut of the profit. Tag anything people can buy—makeup, jewelry, cute office products in the background—to up your chances of getting a hefty paycheck.

Want More?

6 Apps That Help Make Managing Your Money Easier

The Surprising Way That I Make Money on the Side

6 Apps to Help You Live the Good Life

Money-making ability: This app works best if you have a sizable social media following—or are an expert hashtagger. Your cut of the profit will vary by brand, but users get paid every time they reach $40.

User experience: CoSign is super-easy to use and it’s beautifully designed, contrary to a majority of money-making apps that look clunky and outdated.

Viggle

Platforms: iOS, Android, Windows

How it works: The makers behind this app want to learn more about people’s media-consumption habits—and they’re willing to pay their users for intel. Users generate points by checking in when they’re watching something on TV and can earn even more points by engaging in “Viggle Live” discussions. With music, users generate points by identifying a song being played through the Viggle Music feature. You can also get points by “checking in” whenever you play music on your phone.

Making-Money ability: Viggle pays users in gift cards and prizes—not actual cash—but the prizes are pretty sweet. Some gift cards are for places you’d likely be spending your money anyway, like Starbucks and iTunes. Or, you can save your points and try to rack up big ticket prizes, like a cruise.

User experience: Raking up enough points to score the desirable prizes takes a lot of commitment, so using the app just once in a while really isn’t worth it. But if you get into it and actually enjoy the “Viggle Live” discussions and connecting with other users, it could be an easy way for you to earn some sweet rewards.

 

Forget Your Password?

passwords, technology,

Did you forget your password? Well, according to Google the time is coming where you will forget your password. As in, not required. Just when you thought you were already living in the digital age. Google gets us one step closer.

Imagine a phone or computer that doesn’t need a password to gain access? The device is so sophisticated, it knows you better than you think. I dont know about you, but that feels like a time travel into the future. Feels like one click away from microchips.

Here’s what the folks.at Google have been cooking up.

Smart Lock Passwords is cool, but Google Project Abacus puts us closer to a password-free world

Google’s Advanced Technology and Projects (ATAP) group has been on a tear at I/O these past two days, demoing lots of new and interesting innovations that may one day hit production and make all of our lives much, much better. One of such projects is Project Abacus, which is seeking to all but eliminate the use of passwords for authentication.

Put simply, our smartphones can collect a lot of information about how we go about our day – how fast we walk, how well we type using our phone’s keyboard, how we talk – and the ATAP group thinks that using this data for authentication is 10x safer than fingerprints, and 100x safer than 4 digit PIN codes. They think that because, well, they’ve gathered lots of data on it – the company has been running trials of Project Abacus since last year in partnership with 33 universities and in total has collected 40 terabytes of data across 28 different states. They did not, however, say how much more secure they are than old-fashioned email and password combinations.

While Abacus runs in the background on your phone and collects data about you, it is constantly calculating a trust score that is basically a score of how confident it is that you are who you say you are, the owner of the phone. When you launch an app, take Netflix, if Abacus can successfully verify your identity, you’ll be logged in automatically. If it is unable to get a high trust score for you, Abacus will revert back to asking for a password. ATAP also says that different apps could theoretically require different trust scores – a banking app would most certainly want a higher trust score than that of a game.

Project Abacus doesn’t totally eliminate passwords but it’s one step closer, and makes total elimination of them a logical conclusion. And anything that will further mitigate the risk of intruders accessing my digital life is fine by me. When the world is putting this much energy into obfuscating away old-fashioned passwords (don’t forget Smart Lock Passwords) you know their time is up. A world that runs on these highly secure trust scores is on the horizon, I can feel it.

Posted: Mylan Roland

10 bad habits that will keep you from getting rich

10 bad habits that will keep you from getting rich

Successful, wealthy people do not just suddenly end up better off. Getting rich and successful is a process that takes place over many years.

Long before most wealthy people become wealthy, they make a habit of living below their means.

The following is a list of ten spending habits I’ve uncovered during a five-year study of the rich and the poor that will prevent you from ever achieving financial independence:

1. Charging ordinary living expenses on a credit card. If you are unable to afford meeting your ordinary living expenses and must resort to the use of a credit card to meet your monthly living expenses, you are, by definition, living above your means. Accumulating credit card debt is the third leading cause of bankruptcy, behind a job loss and medical costs.

2. Spending more than 25% of your net income on housing costs. Housing costs include rent, mortgage, real estate taxes, utilities, insurance, repairs, and maintenance.

3. Spending more than 15% of your net income on food. This includes groceries and does not include prepared food. Prepared food is part of your entertainment budget.

4. Spending more than 10% of your net income on entertainment/gifts. This category includes bars, restaurants, movies, music, books, gifts, etc. Eating out and any prepared food you purchase is part of your entertainment budget.

5. Spending more than 5% of your net income on car expenses. Car expenses include a lease, loan, insurance, gas, tolls, registration fees, repairs, and maintenance.

6. Spending more than 5% of your net income on vacations.

7. Spending any money on gambling.

8. Going over the top on gift-giving. Gifts are part of your entertainment/gift budget. Sticking to your 10% budget will prevent you from going overboard on gift giving.

9. Spending more than 5% of your net income on clothing. More than a few of the wealthy in my study had the Rich Habit of buying the bulk of their clothes at goodwill stores. Many Goodwill stores sell high quality clothing at a deep discount. It may require spending a few more dollars on a tailor, but it’s well worth the additional cost.

10. Impulse spending. Spontaneous spending is never a good idea. You need to take the emotion out of your spending habits. There is always time to plan and shop before your spend your hard-earned money.

Maintaining a spending budget for various categories and getting into the habit of writing down everything you spend will keep you on the right track. It will also open your eyes for the first time. You will be shocked to find out how much you spend on certain budget categories — and that’s a good thing.

Getting control of your spending is not an easy task. Once it becomes a daily habit, however, it gets much easier.

Posted: Mylan Roland

7 Ways You’re Sabotaging Your Own Productivity

7 Ways You’re Sabotaging Your Own Productivity self-sabotage

When I came across this article, I was drawn to it because seven (7) sounded doable. You may be laughing, but I’m so serious! As we get older and continuously moving towards being established our time has to make sense. Hopefully, you will find the core value of different ways “we” hold ourselves back.

For many of us, productivity is the most important working quality we can actively improve. Being more productive means you’ll get more work done. For the young professional, that means being more likely to get a raise and earn a promotion. For the emerging entrepreneur, that means driving more growth for the business. For the busy salesperson, that means hitting goals early and having more time to spend with family.

There’s a misconception that in order to be more productive, you just have to work harder. You have to bury yourself in your work, work longer hours, and take fewer breaks–but this can actually be counterproductive. The truth is, most of us have long-term habits that are ruining our chances at improving our productivity, and these are some of the most common:

1. Making the Internet Available. It’s a sad fact that yes, there are some tasks that will require you to use the Internet. However, making the Internet openly available for your perusal is a productivity death trap we’ve all fallen into more than once. You open a tab to access your online accounting software, but decide to open another tab and check on Facebook. You do some research on your next proposal and end up doing a bit of research on what to eat for dinner tonight. These little wanderings don’t take much time in the moment, but added up throughout the day, they can accumulate to rob you of an hour or more. Your best bet is to disconnect the Internet entirely, but a safe alternative is restricting your own access either by avoiding certain sites or only allowing access during specific periods of the day.

2. Opening the Communication Floodgates. If you’re like most workers, you have at least three or four communication channels to pay attention to, including your phone, your email, and an instant messenger program. Leaving all these on, or checking them near-constantly, is ruining your productivity. It might seem like checking your email every 15 minutes helps you “stay on top of things,” but in reality, it breaks your focus and occupies time that could be better spent actively working on something. To remedy this, designate specific “communication periods” throughout the day where you catch up on emails and messages, and turn off notifications during all other times.

3. Attending Too Many Meetings. Meetings are team-based productivity killers. They bring too many people in for a conversation that takes too long, ends up getting nowhere, and probably wasn’t even necessary in the first place. If you’re the one calling the meetings, just stop. Carefully evaluate whether or not the meeting is absolutely necessary, and try to keep their lengths to a minimum. If you’re being invited to too many meetings, have honest conversations about the appropriateness of your inclusion. Ask critical questions about the nature of each meeting, and request an agenda if they really are necessary for you to attend so they can stay on track.

4. Working Through Breaks. Working through your breaks is a short-term and frankly, short-sighted solution to improve productivity. Spending an extra half-hour working through your lunch instead of taking a walk away from your computer does get you an extra half-hour of work done, but it also robs you of the opportunity to decompress and reevaluate your to-do list. Spending that half-hour relaxing can actually make the second half of your day far more productive, more than making up for the paltry amount of time you spent away from your desk.

5. Forgetting to Set Priorities. It’s easy to get swept up in a whirlwind of tasks and responsibilities. You respond to an email, jump to a co-worker’s desk, take a phone call, and then jump into a task you just thought of. Before you know it, the day is over and you still haven’t touched your “important” work. Setting and organizing priorities properly, far in advance, can help you resolve this problem. With a clear priority system, you can successfully determine which tasks truly demand your attention–and which ones can be ignored for now.

6. Refusing to Try a New System. Many of us sabotage our own productivity potential simply because we’re so deeply ingrained in a system we’ve relied on for years. You have a set routine, a set system, and you’re afraid to change it because it’s worked alright up until now. If you want to truly maximize your productivity, you’ll have to experiment with new processes, new routines, and small tweaks that may or may not work out for the better. Eventually, you will find better systems that allow you to be more productive.

7. Failing to Learn From Your Mistakes. If you try a certain approach for a certain task and it results in you spending three hours accomplishing a relatively simple goal, it makes sense that you should try a different approach the next time the task arises. All too often, we fail to learn from mistakes that cost us precious time, and we become doomed to repeat those mistakes ad infinitum.

If you find yourself committing one or more of these acts of sabotage, take comfort in the fact that you aren’t alone. These seven productivity plagues are all too common in modern work culture, and they can manifest without you ever noticing. However, now that you know their effects, you can take proactive measures to eliminate their influence from your working life.

Credits: Business Insider  Post: Mylan Roland

The 10 things in advertising you need to know today

brazil

The 10 things in advertising you need to know today

Good morning. Here’s everything you need to know in the world of advertising today.

1. World Cup sponsor Visa has threatened FIFA. The company said in a statement that if FIFA does not clean up its act, “we will reassess our sponsorship.”

2. Here’s everything we know about Traffic Group, the sports marketing agency embroiled in the FIFA scandal. Two of its executives are in the US Department of Justice’s indictment.

3. Google has confirmed that a “buy” button is coming to search results. Google will be hoping the ability for consumers to buy products more easily will drive up the price of its search ads.

4. The Apple Watch might be killing Michael Kors. Predictions from analysts last year that Apple’s time piece might start crushing Michael Kors sales appear to already be coming true.

5. Mary Meeker’s annual presentation on the state of the web is out. You can view the full slideshow here.

6. This is everything we know about the new Apple TV service everyone expects to be announced in June. A new App Store, a cool remote, and more.

7. Adblock Plus has been ruled legal once again. The ad blocker was victorious in court in Germany on Wednesday against broadcasters who argued users should not be allowed to block ads on their sites, depriving them of revenue.

8. This is how European tech startups get featured at the top of Apple’s App Store. Several startups shared their app promotion secrets with Business Insider.

9. This is the reality of what plus-size models earn. Plus-size models are becoming more popular with brands, but a scout and booking agent tells us their shelf-life is far shorter than that of mainstream models.

10. BuzzFeed is planning an IPO. But CEO Jonah Peretti has not offered a timeline.

Published:Business Insider Posted:
Mylan Roland

Is Rent Out of Reach? 11 US cities Renters Outnumber Homeowners

Is rent out of reach? 11 US cities where renters outnumber homeownersRent

 

 

 

 

 

 

 

 

 

 

Renters are on the rise in America’s biggest cities, but many tenants are scrambling to keep up with
growing rent bills and shrinking vacancies, according to a study released Thursday.

From Boston to Miami, New York to Los Angeles, more than half of tenants are paying what experts
consider unaffordable rents, says a report by New York University’s Furman Center, which studies real estate
and urban policy, and bank Capital One, which is a leading affordable-housing lender and financed the research.

While various housing experts have noted such trends, the study zooms in on 11 of the nation’s most populous
cities. Overall, it’s a portrait of increasing competition and often slipping affordability, but the picture
isn’t universally bleak and looks noticeably different from city to city.

“The study brings into light the limited options there are for renters,” Capital One community finance
chief Laura Bailey says.

A look at the findings:

THE CITIES

The study analyzed U.S. Census Bureau data from 2006 to 2013 on the central cities of the 11 most populous
U.S. metropolitan areas: Atlanta, Boston, Chicago, Dallas, Houston, Los Angeles, Miami, New York,
Philadelphia, San Francisco and Washington, D.C.

RENTERS ON THE RISE

As of 2013, most residents were renters in nine of the 11 cities, all except for Atlanta and Philadelphia,
compared with five in 2006. At least 60 percent of residents are now tenants, rather than owners, in
Boston, L.A., New York and Miami. Nationwide, about 35 percent of people rented in 2013, up from
31 percent in 2006, the Census Bureau says.

In Chicago, the rental population grew 12 percent from 2006 to 2013, according to the study.
As the number of renters increased, so too did rents. 

Experts trace much of the rise in renting to the 2008 mortgage and financial crisis, which left some people unable and others reluctant to own homes. And when rent becomes a stretch, leaving less income to save toward homeownership, “it’s a reinforcing cycle,” Furman Center faculty director Ingrid Gould Ellen says.

But other factors may include home downsizing within the giant and aging baby boom generation and hefty college debt that slows some young people’s saving for a home purchase.

MORE RENTALS BUT LESS AVAILABILITY

In each city, the amount of rental housing grew faster than any rise in owner-occupied homes. In fact, the data suggest some homes were converted to rentals.

Nonetheless, the vacancy rate declined everywhere except Miami and Washington, where increases were slight. San Francisco surpassed New York for the title of tightest rental market: New York’s 3.8 percent vacancy rate was the lowest in 2006, but by 2013 San Francisco had the floor with a mere 2.5 percent. New York, L.A. and Boston were hovering around 3.5 percent. Atlanta, meanwhile, had the highest vacancy rate of the cities in the survey, at nearly 10 percent.

CLIMBING RENTS, UNEVEN BURDENS

Amid growing demand and tight supply, median rents rose faster than inflation in all the cities but Dallas and Houston, where they were nearly flat. Washington’s median rent shot up by 21 percent over the seven years, to $1,307 a month. New York’s rose by 12 percent, to $1,228. The calculation is in inflation-adjusted for 2013 dollars, includes utilities and encompasses market-rate, rent-regulated and subsidized housing.

Renters outnumber homeowners in Chicago, 8 other cities
Renters outnumber homeowners in Chicago, 8 other cities
New York has about 1 million rent-regulated apartments, perhaps helping explain why it has a lower median rent than Washington, San Francisco ($1,491) and Boston ($1,263). Meanwhile, median rents were under $1,000 everywhere else except Los Angeles ($1,182).

But rents don’t tell the whole story of affordability: Renters’ median household incomes varied widely over the years. Housing experts like to gauge affordability by the percentage of income that goes to housing costs, with anything over 29 percent being rent-burdened. Over 49 percent is considered severely burdened.
On that scale, the landscape is uneven. The percentage of rent-burdened tenants grew in six cities while dropping in the rest, and the findings were full of seeming contradictions. San Francisco had the highest median rent but the lowest percentage of rent-burdened tenants, 45 percent; Miami had a far lower median rent, but 68 percent of tenants were burdened.

One reason: San Francisco renters’ median household income was $61,200 a year, nearly 1.5 times what their Miami counterparts made.

Researchers found that 29 percent of moderate-income renters in Chicago were severely rent-burdened, meaning at least half their income went toward rent and utility payments.

TO SAVE ON RENT, STAY PUT

In each city, apartments that had come open within the last five years were less likely to be affordable to low- and middle-income tenants than apartments that hadn’t.

Credits: Associated Press  Post: Mylan Roland