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Posted 10/25/17 at 12:18 PM | George Smith

Best Christian Brick & Mortar Businesses to Start

christian brick and mortar business

As Christians, we have to remember to be a good steward of what the Lord has given us and that includes starting and running businesses. As we are reminded in 1 Peter 4:10 (NIV):

Each of you should use whatever gift you have received to serve others, as faithful stewards of God's grace in its various forms.

If you take this verse to light in how you should run your business you think of how your business serves as a service people need and then use it as an opportunity to reach out to others. You might be thinking, well what kind of business could I start? There are actually plenty of brick and mortar opportunities available from selling Blodgett pizza oven parts as a specialty service provider to having a laundromat or even a gym.

There are quite a few options available when it comes to brick and mortar businesses, and today we will explore some brick & mortar businesses that you may want to consider and why they're so successful. FULL POST

Posted 10/23/17 at 3:10 PM | Margarita Hakobyan

Bitcoin Retirement: Women Investors Are Missing Out

 Women planning for retirement face unique challenges. It may be the year 2017, but women still earn 80 percent of what their male counterparts are paid. When you couple lower earnings with a women’s longer life span and time off to raise a healthy family, their retirement savings often end up falling short of needed levels. In fact, the wage-earning women of today have 50 percent less in their retirement savings accounts than men. While these facts paint may a discouraging picture, they don’t have to be the way the story ends. Women looking to make-up the difference in their retirement funds need to look to alternative investments. Right now, the investment with the highest growth potential is a Bitcoin IRA.

For those unfamiliar, Bitcoin is a digital currency that came onto the market in 2009. It differs from traditional money (i.e. the dollar) in that it is not controlled by a centralized agency like a bank or the government. Its value has grown from being worth $0.003 at its inception to over $5,000 per Bitcoin in 2017. Projections for Bitcoin swing from $10,000 in the next few years to $500,000, which means that even a small investment could become a more than comfortable next egg by retirement. That incredible growth alone should make it an attractive investment to women looking to secure their future in retirement funds. However, at the moment very few women are investing in Bitcoin. FULL POST

Posted 10/21/17 at 12:55 PM | Mark John


What constitutes a “hit and run” charge and what can I do about it if I am charged with the crime of ”hit and run”? California Vehicle Code Section 20002(a) says: “The driver of any vehicle involved in an accident resulting only in damage to any property, including vehicles, shall immediately stop the vehicle at the nearest location that will not impede traffic… (and shall) locate and notify the owner or person in charge of that property of the name and address of the driver and owner of the vehicle involved and, upon locating the driver of any other vehicle involved or the owner or person in charge of any damaged property, upon being requested, present his or her driver’s license, and vehicle registration, to the other driver, or property owner…The information presented shall include the current residence address of the driver and of the registered owner.”

The statute also says: “Leave in a conspicuous place on the vehicle or other property damaged a written notice giving the name and address of the driver and of the owner of the vehicle involved and a statement of the circumstances thereof and shall without unnecessary delay notify the police department of the city wherein the collision occurred…” FULL POST

Posted 10/21/17 at 12:53 PM | Mark John

What are my employment rights after suffering a work injury?

Have you been injured on the job? Are you currently on leave for a workers’ compensation claim and want to know your rights about returning to work? Below is some information about your rights pertaining to your occupational-related injury and some tips to help you navigate through the process of returning to work?

It is illegal to discriminate against those have been injured on the job. The California Fair Employment Housing Act (“FEHA”) protects injured workers from being discriminated against by their employer. California’s definition of disability is “conditions that limit a major life activity, including physical and mental disabilities, as well as medical conditions.” Fortunately, this definition offers more protection to employees than the Federal definition of employment. Some examples of major life activities include seeing, hearing, walking, standing, lifting, and bending.

Additionally, an injury that may not seem like a “disability” to you may be seen as a “disability” by an employer as it affects your ability to perform the required tasks. For example, if you amputated two of your fingers during a work-related injury and you are a secretary that is required to type for 90% of the time, your employer may see your injury as a “disability” under the FEHA’s definition since you are permanently impaired from performing clerical duties such as typing. On the other hand, if your injury is not a “disability” as defined by FEHA, you do not have the same rights as those who are deemed “disabled,” and your employer is not required to provide reasonable accommodation for you upon your return to work. FULL POST

Posted 10/17/17 at 12:56 PM | Margarita Hakobyan

Here Is Why Women Have The Edge in Crowdfunding

It’s no secret that women struggle in the world of venture capital and capital funding. There are many biases built in that work against women, from the way that venture capital firms are most likely to fund people in the area, to the way that few women sit on the boards of venture capital companies. Studies have shown that when two people deliver the exact same pitch, one a woman and one a man, the man is much more likely to received funding.

The question of why women struggle in these areas is multifaceted. A woman of color, or a woman who has children, may struggle to move in the circles of typically white men who are the most powerful venture capitalists. They may face internal biases from those they’re pitching; these investors may be societally conditioned to think of ideas from women as lesser, especially if the woman is also a person or color.

So it was surprising when researchers found that women on crowdfunding sites fared much better in terms of getting their ideas funded. So what made women succeed more easily in these crowdfunding scenarios?

Demographic factors
Crowdfunding approach is very personal and there is no special crowdfunding formula for every event. On many crowdfunding sites, there’s no real push to include many photos of the creation team. The focus is on the product itself. Without looking at the woman in front of them, presenting the final pitch, investors may not need to work past their internal bias and may be able to simply see the product, the story, and the potential. FULL POST

Posted 10/16/17 at 9:32 AM | crystal jerke

Your student loan should not get taxing on your credit

The student loan is a major concern for a good lot of American students in recent times. If we look at the stats, Americans were in $1.3 trillion loans (student) debt by the end of 2016. Worst is, the default or delinquency rate was 11.2% (around $147 billion) the same time. These figures only pronounce an alarming scenario for students across the USA.

It’s true that student loans are great to attain your degrees. However, we can’t deny how the debt comes in way of leading a fulfilling life in near future for much American youth. A rising loan burden translates to lesser opportunities of savings for the home, rent or any independent venture in future. Moreover, you would hardly have the basic required savings to start your own family. And in case, you are default or delinquent on your loan- it would spell disaster for your credit score. A lot of nations offer student exchange programmes. If you are getting a student loan to study abroad, them make sure your visa is in order suggest Singapore Immigration Solutions

Put simply, lack of control on student debt will go a long way in ruining your future plans & limiting your financial freedom big time. But then again, student loan does NOT necessarily mean the end of the world- provided you know what routes to take if you get delinquent or default on your loan.

How does this loan debt affect the borrower’s credit? FULL POST

Posted 10/13/17 at 2:18 AM | Sylvie Simms

The Awful Truth About Road Rage | Road rage infects the most unlikely people. Behind the wheel of a four-ton vehicle, the meekest person can become a terror. Maybe they’ve had a bad day. Maybe they were born with a short fuse. Whatever the reason, they lose their senses and become a menace to other drivers.

Posted 10/12/17 at 8:25 AM | Sylvie Simms

Autumn Inspired Wall Coverings | Whether you want to capture an autumn look all year round or simply redecorate for the fall season, you can use these attractive wall coverings for inspiration by JC Licht.

Posted 10/9/17 at 8:42 AM | Addie Davison

5 Financial Errors Damaging Your Credit Scores

Financial errors are related to manual and digital errors occurring in financial statements. These
errors often impact the credit scores as errors in financial statement, affecting the balance sheet
of credit cards. Here are some common errors which can damage your credit score.

1. Late payments

An on-time payment consists of 35 percent of credit score, but that does not mean that one
delayed payment will disturb your credit score. Nevertheless, if you have a history of late
payments, you will suffer badly through it. Same is the case with balance sheet error of late
payments. If a payment is marked by mistake as late in the balance sheet, it will not be reverted
till the person requests the bank to ‘fix my credit’. The person in this scenario should remain
vigilant and asked the bank authorities to revert his balance statement after rectifying the errors.

2. Increasing Debt Ratio FULL POST

Posted 10/6/17 at 9:37 AM | Brian Wallace

San Diego: Amazon's HQ2

Did you know that San Diego has the most patent holders in the United States? That they are slated to become a smart city? That they graduate more college degree holders than any other metro area in the United States? Brush up on your San Diego facts and learn why it's destined to be Amazon's HQ2 destination.

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