Your credit rating is the closest our society gets to outright divine judgment. “Sin” in some financial aspect of your life, and you’ll be punished for all eternity – a bad score from the credit rating agencies can keep you from getting a loan, an apartment, or even a freaking job. Almost as if, you know, the system doesn’t want you to get your shit together.

This has given rise to a very shady underground market of credit rating fixers – services that will game the system in order to lift the bad credit curse, for a fee. To find out just how far they’ll go – and it’s way, way farther than you think – we spoke to a guy who has done that very job. He’s choosing to remain anonymous, for reasons that will soon be abundantly clear…

6 Things I Learned Lying To Banks To Fix Your Credit


Nearly half of all Americans couldn’t come up with $2,000 without pawning belongings or charging to a credit card. Here’s why your credit card shouldn’t be your lifesaver.

Here’s What An Earnings Expert Is Saying About The Stock Market Right Now

We recently sat down with Nick Raich, an earnings professional with more than 17 years of experience. Our conversation focused on the current earnings season. Including what sectors stand out, like energy and financials, and what trends we need to watch throughout the S&P 500. We also briefly discussed Netflix and why one aspect of its earnings caught his attention:

This first message shows how bad the energy sector has been hurt by falling oil prices

@StockTwits How brutal has the destruction in $XLE EPS expectations been? On 9/1/14, Street expected +8% 1Q15 EPS growth. Today’s it’s -60%

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:38 PM

But a very notable sector is holding its own, and actually improving

@StockTwits of all 10 sectors, the Financial sector is the only one that has shown improving EPS ests over the past 4 quarters. $XLF

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:45 PM

@StockTwits Here’s how the rate of change to overall $XLF EPS estimates has moved in the past year #improving

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:46 PM

Everyone has been talking about Netflix’s earnings. One thing does stand out, however. It also might concern some investors

@StockTwits $NFLX stands out the most because the stock is ripping higher as the market ignores its weakening EPS expectations.

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:08 PM

@StockTwits Wall Street analysts used a pro forma actual, ex FX losses of $0.77 in their reports for $NFLX too. GAAP was $0.38.

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:10 PM

@StockTwits Here’s the problem w/ excluding currency losses for $NFLX. Every other company in the $SPY are having FX losses INCLUDED .

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:11 PM

@StockTwits Thus the Street is giving $NFLX the benefit of adding international subscribers, but is not reflecting the costs associated w it

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:13 PM

It’s still early in the season, but one theme looks like it will dominate first quarter earnings. Here it is

@StockTwits so the theme(s) for earnings season will be 1Q15 ests will prove too low, but 2Q15 ests are low and heading lower

— Nick Raich (@TheEarningsScout)

Apr. 17 at 01:30 PM

If you enjoyed this Q&A please let us know in the comments below. We also want to hear what topics you want to discuss or who you want to talk to.
becoming an adult cheat sheet!
How to start a business with $15k

To go big places, you’ll always need more money. But you can start out with very little as long as you take care of some careful planning and are passionate about your company.

1) Have a plan

2) Start thinking like a businessman and stay focused.

3) Ask your network for help.

4) Continue to learn.

5) But most importantly - never forget to stay humble.

Read the full list here.

6 Personal Finance Books You Should Read

Trawl Amazon or the racks of any bookstore and you’ll certainly find a myriad of choices when it comes to personal finance. It can be challenging to distinguish between them. Right here’s a list of 6 first-class individual finance checks out that make the cut.

1. Why Did not They Teach Me This in School? Personal Finance Fundamentals to Live By

The author composed this book for his five kids when he recognized that personal finance abilities just were not being taught in secondary school, college, or MBA programs. When he looked for books on the topic to provide his kids, what he discovered were boring and lengthy checks out that’d never ever hold their attention. Personal Finance Basics to Live By fills that niche with 99 useful, actionable, remarkable, and thoughtful principles.

2. The Money Book for the Young, Fabulous, and Broke

I purchased and read The cash Book for the Young, Fabulous, and Broke when I graduated from my MBA program and was $100,000 in debt at the height of the most recent economic crisis. I did not understand where to begin to start tackling my financial goals from my existing monetary scenario. Suze Orman provides a step-by-step guide in this book and on the accompanying web site that helped me get on the path to financial freedom. I’ve no idea what I’d have done without this one!

3. Your Cash: The Missing out on Manual

J. D. Roth was deep in financial obligation and his monetary life was in disarray. He made an individual commitment to discover everything he could about personal finance and turn around his life, personally and financially. He started the popular blog Get Rich Gradually to share everything he was learning. In the process, he ended up being an accidental individual finance professional. In Your Cash: The Missing out on Handbook he shares all the missing out on links that he discovered that led him from monetary destroy and into monetary success.

4. Get a Financial Life: Personal Finance in Your Twenties and Thirties

Beth Kobliner provides smart monetary recommendations to assist people start on the path to individual monetary stability. From insurance coverage to conserving to taxes to investing to protecting yourself from identity theft, Get a Financial Life is an outstanding, well-rounded guide. Though written for those in their 20s and 30s, anyone at any age would benefit from its advice.

5. Individual Finance Simplified: The Step-by-Step Guide for Smart Cash Management

Personal Finance Simplified is a strong read for anybody at any phase of life since it takes you through individual financial decisions to make from finishing college, to changing professions, to growing your household, to retirement. It really gets at the idea of why doing something about it now is so important for our futures. It consists of pointers on budgeting, spending, saving, and financial obligation payments, paying taxes, and structure equity.

6. Why Smart Individuals Make Big Cash Mistakes and Ways to Fix Them: Lessons from the Life-Changing Science of Behavioral Economics

We all have blind areas, which’s specifically real when it concerns cash. In Why Smart Individuals Make Big Money Mistakes, authors Gary Belsky and Thomas Gilovich help us understand who we’re and why we spend, save, obtain, invest, and waste money. They reveal us why money makes us act irrationally, then they provide us with approaches and tactics to help us make strong monetary choices.

Knowledge is power, which’s especially true when it comes to your financial resources. These 6 books will certainly assist you comprehend cash so that you feel empowered to make the best personal financial choices to live the life you should live.

Do you’ve any favorite personal finance books? Kindly share in remarks!

Compte personnel d'activité : pourquoi la grande réforme sociale du quinquennat n'est qu'un trompe-l’œil

Compte personnel d'activité : pourquoi la grande réforme sociale du quinquennat n'est qu'un trompe-l’œil
By mathildedebry

L'intervention du président de la République sur Canal+ a permis de donner naissance à une nouvelle invention digne du concours Lépine : le compte personnel d'activité.

April 21, 2015 at 11:08AM

Participatory Economics (Parecon) is a model for a new economy based on democracy, justice and ecological sustainability proposed as an alternative to our current economic system. This site provides readers with an introduction to the key values and institutions of a participatory economy with links to further information.

Read it here.


Black Lace Shift Dress and Black/Silver Chain Flats from 

Dress: IM IN LOVE. I love black lace in general, but these sleeves are so in now that we’re beginning festival season. features high quality black lace sleeves that flare at the wrists. Planning on wearing it to outdoor concerts this summer. Light and flowy, but still fully lined. Featured dress is a size S. 

Sandals: feature chains of rhinestones accompanied by a circular design towards the toes. I usually wear a size 8, but I ordered a size 9 just in case, and they fit perfectly. You can dress them up or down!

Every Friday they have their Retail Therapy Fridays where they have featured merchandise on sale for 40%-50% off, new featured items are posted every Friday and the deals last all week long. Don’t miss out! offer an interest and penalty free Buyers Layaway program to customers who are on a budget, and with Online Boutiques In Store Concierge customers are able to chat live with an in store sales woman in regards to any questions in size, fit, material, shipping, layaway, payment, or inventory etc. 

The customer service is fabulous, and I received my package two days after it shipped from Florida, which rocks for those (like me) who like instant gratification while shopping :) The website is beautifully designed and easy to use. Everything is divided up into categories to help you find just what you’re looking for!

They pride themselves in beautifully packing the orders so customers feel as though they are receiving a gift. My shoes came in a black fabric bag, and my dress came all wrapped up. The packaging enhances the overall experience. My roommate was so jealous. ;) They also include a personal handwritten note from author/CEO T Marie Benchley. Purchases over $100.00 receive Free Shipping, as well as a free Online Boutiques canvas tote bag.

Putrajaya SRC Loses Another RM89m

Putrajaya’s SRC International Sdn Bhd has lost a further RM89 million from its joint-venture with a Middle Eastern company Aabar Investments bringing its total losses in investment value to RM204 million to date, PKR said today.

Secretary-general Rafizi Ramli said the investment impairment of RM89 million from the joint-venture to mine coal in Mongolia was registered in the government-owned company’s latest financial statement.

He said for the same financial year, SRC also showed losses of RM115 million in value.

“This means that for the financial year 2014 alone, SRC recorded investment impairments of RM204 million from its investment in the coal mine in Mongolia, that is, RM115 losses from its own investments and RM89 million losses from the joint venture,” Rafizi told the press today at PKR’s headquarters in Petaling Jaya.

SRC holds 50% of its joint venture with Aabar and had invested RM184 million into the deal in 2013.

Rafizi said since the funds used by SRC for its investments involved RM4 billion as a loan from the Retirement Fund Incorporated (KWAP), the RM204 impairment was no small matter.

“What more if we take into account the RM3.1 billion SRC’s investments on which there is no information and which cannot be audited,” he said.

The RM3.81 billion investment was raised by DAP lawmaker Tony Pua in March who had wanted to know details of how the money was used.

The Finance Ministry had said that SRC invested the funds in Gobi Coal & Energy Ltd, a Mongolian-based company, but provided no other details than that.

Pua had said that the ministry’s response contradicted with that of auditor Deloitte Malaysia, which classified the RM3.81 billion as an amount “available for sale investment involving open-ended funds, quoted shares, bonds and time deposits”.

Rafizi said many pensioners have been contacting him to express their anger over SRC’s use of KWAP funds for investment purposes.

“They include civil servants who have been absorbed into working for statutory bodies such as Bank Simpanan Nasional and the Employees Provident Fund (EPF),” he said.

He said there were “thousands” of pensioners who have had trouble receiving their pension funds and questioned why these people were being denied their due, when government-owned companies such as SRC and also1Malaysia Development Bhd (1MDB) were being allowed to make investments that were unaccounted for.

Sources taken from:

ENEOS vs. régi olaj

hát, nem gondoltam volna, hogy van ilyen, de az olajcsere óta eltelt legutóbbi mérések szerint az ENEOS olajjal kevesebbet eszik az autó mint az előző olajjal. kérdés, hogy azért, mert több olajat eszik (majd a szokásos havi ellenőrzésemkor ránézek), vagy az üzemeltetési körülmények változtak volna meg? esetleg tényleg a motorolaj van ekkora hatással? vagy egyszerűen rosszul mér a veszprémi mol kútja, mert mostanában ott tankoltam a legtöbbet, míg régebben inkább nagykanizsán. kíváncsi vagyok, hogy hosszútávon is marad-e ez a statisztikia. próbáltam két hasonló ciklust megvizsgálni:

ENEOS: 6,69 l/100 km
megtett út: 198452-197595=857 km
üzemanyag: 19,82+20,7+16,82=57,34 L

nem ENEOS: 7,81 l/100 km
megtett út: 193688-192449=1239 km
üzemanyag: 30,31+36,11+30,46=96,88 km

ENEOS: 5,79 l/100 km
megtett út: 197937-197595=342 km
üzemanyag: 19.82 l

nem ENEOS: 7,03 l/100 km
megtett út: 196235-195962=273 km
üzemanyag: 19.94 l

vagy a km számlálóm csalna? elég nagynak tűnik a különbség… mert azt azért elhinném, ha esetleg decikben lenne mérhető a különbség. vagy egyszerűen lehet, hogy mostanában melegebb volt, mint a régebbi mérési szakaszokban…

Attention Investors In Search Of Higher Returns: Consider Bitcoin

With all the questions undermining stock and bond yields nowadays, it only makes sense for investors to take a serious look at bitcoin’s earnings potential. Look for the financial community to pay closer attention to bitcoin in the present investment environment. Investors looking to diversify their portfolios should consider bitcoin and digital currency, according to this […]

The post Attention Investors In Search Of Higher Returns: Consider Bitcoin appeared first on CryptoCoinsNews.

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