Money Tricks!

Hello Friends!

Beware of money tricks! Welcome home dear friends from the US, India, Brazil, Russia, Ukraine, Philippines, Serbia, Bangladesh, the UK, Australia, Ireland, Italy, Kenya, Vietnam, and Canada 

It’s a kind of a surprise to realize very tiny bits of money that is taken from you, and then can get into being a large amount collectively being gathered from a wide range of people almost in all states.

This is what Andrew told us when he said that he went to Staples to print few documents and that in the process of doing that through a self-service machine where you can copy or print your own documents without the help of an associate from the store.

He realized that the machine asked him to insert his credit card and to approve the charge of the amount $ 5.00 to be taken from his account based on that after he was done with his order, he would be only charged the real amount that he used from the $5.00.

Here’s the catch: while most people go to Staples to copy or print a few number of pages, most of the time, it does not exceed the 5 pages as an average. Five times 12 cent, that makes 60 cents only. The remainder will be $4.40. Staples charged him twice, once for the $5.00 and another for the  ¢ 60. Both transactions went through since he approved that he was going to be charged only for the actual amount he used, and the conditional amount of the $5.00.

Andrew never paid attention to that transaction until recently when he thought about the Fedex copying machine which charged him after he was done with his printing, not before he did his copying like Staples' machine. Fedex charged him the exact amount and printed a receipt for the exact amount that would be taken out of his credit card (fair and square).

Andrew few times revised his deducted amount and he found that both amount stood there without change. He didn’t like that and he called the store explaining why the store didn’t credit back the $5.00, and although it was a small amount of money, yet the store should not do that.

The associate explained to him that the policy was that in one business week the amount should be credited back to his account. 

Hmmm! Why was taken out of his account in the first place? You tell me!

How many people are doing this on a daily basis? When 10 million people do this every day, that makes the total amount collected and kept with the store is about $50,000,000.00, which is unbelievable amount that came up to the store from the thin air.

This amount or less can be invested in one week to make some profit. Do you know how much? It depends on the kind of investment!

Great! 

Until we chat again, count your pennies, and better not to accept that any store would estimate your charges and take it from your credit card. Stay away from these machines. It’s a twist for some unjustified financial gain.

Share your ideas with us!

Financial Discipline!

Good Morning World! Good Morning Friends!

Yes! You might be able to make it up for others, but only for those who are still around, but ...? ;) Thank you for coming back again to our pages; especially our friends and readers from the US, the UK, Spain, South Africa, Poland, Sweden, Tunisia, Iraq, Italy, Cameroon, Bulgaria, Czech Republic, Brazil, Mexico, India, the United Arab Emirates,  and Ireland 😉

You know what: sometimes life brings you some financial issues, and you'd find yourself among currents of no-solution situations. That is how it seems to be for the first look, but it is never truly like that. There is always a solution. Trust our opinion!

For every financial problem, there is one or more solutions, but you do not know about that, and you find yourself stuck there, with your frozen brain, going nowhere. It should be solvable though. As bad as it would seem to you, it is not.
First, what it the most important thing in the whole world? It is YOU!

Second, what is the second most important thing? It is Your Security and Your Health. We put them both together, because they should go hand in hand as inseparable entities.Your life is precious. Money and financial matters are made to give you a good living. If they bring you problems, then they would fail to serve your living. They should facilitate your living, which eventually would bring you happiness and satisfaction.

You may say that you know that money is not that important, and that life is more important, but do you really mean it? Do you really understand that "YOU" are the most precious entity on Earth? It is a fact, and it is the truth.

Everything else in your world is built around you. Think about it for a moment, and you'll figure out how to re-calculate your time the right way, and never worry about money again.

Our advice doesn't mean that you should neglect your financial matters; it is just a pure correct perspective for seeing the truth about money.

Financial obstacles and problems can be solved as easy as boiling an egg. How? By knocking at the right doors! 

Do you know that credit cards are originally made to help you in emergency situations, and that you should not use your credit cards for luxury or over-priced products, which could lead to a high debt.

Do you know that the credit scores and all related promotions to credit cards are meant to be a business? Yes, it's a business for making money out of lending you money. It is this simple. Some parties give you money to spend. This money is a loan to be paid according to a specific interest rate according to the system those parties agree upon with you.

Lending money is a huge business, very huge!

When you have a credit card, it will allow you to spend a certain amount of money, as if you have this money in your own pocket, but it is not actually in your pocket; it's rather in an illusion pocket that is hanging out there in the air swinging back and forth begging you to spend more and more.

Nevertheless, if you spent more than what you were supposed to spend, exceeding your daily/monthly budget, it is not a big deal. It is a mistake and can be corrected. Yes, it can be corrected. If you lose all your credit, still it can be corrected. Some people would tell you that it is the end of the world having a bad credit or low FICO score, but it is not terrible thing that never happened before. It happened to many people, and they were able to right their financial path.

How?

By financial discipline!

My friends, this is exactly the solution you need in case of financial chaos. Nice? It sounds nice. 

Remember, credit cards are made to help you at times of emergency, not for over-spending in special parties and glamorous dinners. 

Remember, any financial mistake can be corrected. You can get all possible help because YOU are the reason for all these businesses to exist. There are resources specifically for solving such problems. There is also credit cards with no annual fees. Some credit cards better than others in their terms, so before applying to any credit card, do your homework. ;)

Be happy and keep checking on our topics with our hugs and kisses 💗

References:
. Credit Cards No Fees.

Trillion to Centillion

Hello dear friends!

Largest numerical numbers, what do you know about them? It will make you dizzy, not of counting, but of thinking 😊

You might know that 1 with 100 zeroes behind is the largest number so far to the best of your knowledge. A googol is the name given to this largest number or you can say 1 with a googol zeroes behind it.

Not too many people know about large numbers, and probably the main reason is that they do not use them. You may use 100, 000, one million, one billion, but after the one billion very few people need to use the largest numbers unless they deal with very special entities which  apply numbers with long queue of zeros.

Here's a very useful Chart of the largest numbers that are used world-wide; most probably at a government levels,  or others.

Name	Number of Zeros	Groups of (3) Zeros
Ten	1	(10)
Hundred	2	(100)
Thousand	3	1 (1,000)
Ten thousand	4	(10,000)
Hundred thousand	5	(100,000)
Million	6	2 (1,000,000)
Billion	9	3 (1,000,000,000)
Trillion	12	4 (1,000,000,000,000)
Quadrillion	15	5
Quintillion	18	6
Sextillion	21	7
Septillion	24	8
Octillion	27	9
Nonillion	30	10
Decillion	33	11
Undecillion	36	12
Duodecillion	39	13
Tredecillion	42	14
Quatttuor-decillion	45	15
Quindecillion	48	16
Sexdecillion	51	17
Septen-decillion	54	18
Octodecillion	57	19
Novemdecillion	60	20
Vigintillion	63	21
Centillion	303	101

A nice comment on a googol amount of money:

“Seriously, this amount defies everything that we know of the current physical world. It's so mindbogglingly big and incomprehensible that it's effects will probably end the world as we know it or completely reset the entire financial world with equally end-of-the-world repercussions.”

The above mentioned numbers are rarely used because they are so enormous, not only in value, but also in its weight that we can unassumingly produce at all.

No doubt you might be one of the people who are fascinated by large numbers, and when you think about it, yes, it is something that makes you wonder. How these huge numbers came to existence if there was no need for them. Who are these mathematicians who thought that we might need these huge numbers. 

Every question will bring another regardless it was answered or not, you'd be more curious to explore some more hidden facts. And probably they are not hidden but used only by specialists who could have an answer for us.

Large numbers can be used with things other than money, it can be used in counting certain data. For example imagine that you want to count the number of leaves in one forest. You will need to count the number of leaves of each tree in that forest and according to each kind of trees the number of leaves could be jump up to the sky especially in high density forests. Certainly in situations like this, you would need some large numbers with a lot of zeros my friends.

We shall talk some more soon, may be about another large number! 😲

Refernces:

. Trillion

Diamond Planet?

Dear Friends!

Admittedly, it is amazing to hear that:

Sparkling diamond rain which was theorized to fall on Neptune and Uranus has been created in the laboratory for the first time by scientists.

But where did that come from?

From a team (the US, the UK, & Germany), who were able to create similar conditions that said to be existing inside some of the icy giant planets of the solar system. Doing that, they were able to get tiny diamonds formed.

A thought has been around Neptune and Uranus having extreme high pressures that would affect the carbon atoms in a way, making diamond rain to fall.

Every day we have new amazing info sometimes surprise us, sometimes it's mind blowing, and other times it is just confirming knowledge that we had and were not sure about it.

What is the diamond planet?

It's been few years since researchers discover that planet. Planet 55 Cancri e was believed to be the first known planet to consist largely of diamond, due in part to the high carbon-to-oxygen ratio of its host star.

A cutaway shows the interior of Neptune (left). In an experiment conducted at the Linac Coherent Light Source, researchers used high pressures and high temperatures to simulate the formation of "diamond rain" in the interiors of icy giant planets like Neptune.

Credit: Greg Stewart/SLAC National Accelerator Laboratory

The most famous gems on Earth have new competition in the form of a planet made largely of diamond, astronomers say. The alien planet, a so-called "super-Earth," is called 55 Cancri e and was discovered in 2004 around a nearby star in our Milky Way galaxy.

It's a precedent that the kind of diamond rain anticipated by scientists to be falling within the icy humongous planets of the solar system has been created in the lab, but is it still going to be considered real ones? Are they more precious than the ones already exist on Earth? How are they affecting the prices of diamonds on Earth? Who is going to own all that diamond created?

This discovery will create more questions since it is related to a treasure!  😲

NASA is working on getting to that diamond planet, which is said to have huge size diamonds, but how are they going to be able to bring that to Earth? Are they going to cut it into pieces, and bring it to us? Or is it going to be too heavy for the ship to carry?

Well, very questionable, but it could happen sooner than what we think. Are you going to invest in this project? Oh!

Let's think about it until we talk again.

"Good Luck" with our love 😉

References:
. Diamond Planet
. Diamond Rains

$ 18,100,000.00?

Hello Friends!

I'm not sure what is going on, is there a leakage in our online systems? Is there still people who send emails promising you money, business opportunities, or free loans? Why do we have people calling us claiming that there is a gov free grant waiting for us to receive, and all what we need is to provide them with our personal info so that we can get this money?

Mr. Youichi

Were you one of these people who got these kinds of email frauds? Unfortunately I received many times suspicious emails, the last one was last week. Since then I've been wondering why these fraudulent activities  continued to happen in spite of all the cyber security systems we have, and the best way to handle them.

Here's what it came in that email:

"Subject: Business Proposal

Dear Sir/Madam,

My name is Youichi Kanno and I work in Audit & credit Supervisory role at The Norinchukin Bank, Japan.I am contacting you regarding the asset of a deceased client Mr. Grigor Kassan and I need your assistance to process the fund claims oF $18,100,000.00 (Eighteen Million, One Hundred Thousand, USD) , please can you be my investment partner?

If you could get back to me by end of day tomorrow, I would appreciate it. I hope to hear from you soon so we can discuss the logistic of moving the funds to a safe offshore bank.

Yours sincerely,

Youichi Kanno

Phone Number: +81345400962"

Eighteen Million! 

OMG! Eighteen Million! That was a lot but it was actually less that the offer I had before. Haha! All right, may be next time when it is 180 mil, I should accept it 😄😄

Serious Talk

Anyway our topic is about something else. It covers your financial decisions and how you should protect your money. 

During your lifetime, you must have had at least one wrong financial decision. It is not only

you. It happens to all of us due to lack of experience, wrong timing, or other reasons. You don't have to beat your brains up. What happened happened and it is now in the past.

Just focus on your future financial decisions from now on. Before you take any important decision, consult close friends or relatives, the type of people who would tell you the truth no matter what. Use a professional if you're a wealthy guy!

Realistic

Stay away from taking a decision for the sake of showing off. When it comes to financial matters or money matters, always be realistic. Do not make a guess, and do not live an illusion. Can you survive without this item in your life? Is it a necessity or a luxury? Don't mix up the two. Calculate things accurately and honestly. Do not deceive yourself. After all, it is

you who would pay for any mistake.

Try then buy 

A big item to purchase such as a vehicle or an RV, or a condo, better to try it then you buy it. Only if you felt comfortable about it and that you'd be enjoying it, then you can buy it. And only if you really need it, for whatever reasonable reasons you have. Many times things you buy fast, you lose interest in them faster.

A good money decision will take you exactly where you want. Study your decisions when a large amount of money is involved. If you can't take the time to do that, delegate to the honest person you have in your life.

Keep your eyes on your money

You don't have to be a millionaire or a billionaire to do that. If you are you would have your investment manager doing that for you. Still you'd follow up with your assets and you wouldn't just ignore your monthly statement or your daily revenue. keeping your eyes on your money no matter how little or big it is, is good. Bank errors happen all the time. Twice retail store charges or repeated transactions. Paying attention to your accounts and revising them periodically is excellent way to avoid any money taken by mistake from it.

Restrooms & Sales!

Hello Friends!

Not everyday you will find me talking about rest rooms. It rarely happens . But when it affects your sales or revenue, it is worth chatting about for a little bit.

Myself, others I know, and most probably others I don't know, need to step into a retail store and our first (and may be last) stop in that store would be the rest-room, which is also called the bathroom, the powder room, or the toilets.

If the restroom is clean convenient and refreshing most probably, I would continue my shopping in that store. If not, I would depart ASAP.

Now you see how the rest room play an important role in driving your customers into your store?

Clearly, the restroom and its special features has a direct as well as an indirect effect on your sales. Let's have a moment here to check on the special features your customers expect or prefer when they choose your stores.

No. 1 Cleanliness:

I expect that your customers will appreciate this feature more than any other one. The reason is clearly the sanitary reasons and the good hygiene your stores have.

No. 2 Toilet Paper:

Available toilet paper in your restrooms is an essential feature as well, and their quality is also differentiate you from other cheap stores. I remember that one time I found at Macy's store -Sun Valley Mall- inside their rest room very cheap quality of toilet paper, the one that falls apart, goes into sticking bits and pieces to your fingers, and you try to get rid of them, and makes you irritated. I never tried that store again.

No.3 Hangers:

It's terrible when you step into the restroom, and not find any hanger to hang your merchandise bag, your purse, your keys or your glasses. While some smart stores provide you with hangers everywhere in their toilets, behind the doors, next to the wash area, or upper the toilet paper rack; other stores could have only empty holes behind the door as if someone stole those hangers, or none at all.😕

No. 4 Paper Towels:

After washing your hands, you need to dry them up. When you do not find paper towels, it is unprofessional, when the box is empty, it means nobody is checking on the rest room, or maintaining it in a good condition. If you found an air dryer, it's good only if it's working. To tell you the truth, I don't like them personally. My ears do not stand their noise and sometimes the heat is so high, it burns the skin, so I stick to elegant paper towels.

No. 5 Soap:

What happened to the perfume soap? We used to have perfumed-hand-soap, but now it's only very high quality stores which still keep this smart habit. Some stores either do not have soap at all, or have quality of soap that could bring you allergy to your hands.

No.6 Height of Toilet-Paper Box:

I wonder why does the toilet-paper's stand have to be right next to your toilet? Sometimes, it is stuck, and one would need to kneel down to figure out what was wrong with the roll? Not all stores though, I've seen few where they position the toilet-paper's box upper than the normal lower position, and I admired that, coz it meant that the management think about their customers.

No. 7 Wall-Color:

You wouldn't imagine how the color of the bathroom can affect the mood of your customers. One time a friend and I walked into a new store at Walnut Creek, and it was huge. When we entered the restroom, we found out that it was painted red, black, and some turquoise colors. It was terrible, we felt dizzy. We got out of the store at once!

I guess now it is crystal clear that your restroom can bring more sales to your stores; in other words, more money! 😉

With our love ✍

Rambunctious Money!

Hello Friends!

The good news is you can have a complete control over your spending with some guidance. If it is really a serious matter for you, you will do it.

Remember: When you're using your credit cards, you're spending money which is not yours. This money you do not have. It is only a debt. You have good intentions to pay it, but this is not enough.

Be alert and conscious of how much you owe your credit card/s. And avoid being careless or assuming that the money will be miraculously available by the end of the month, or by the due payment time.

Using multiple number of credit cards is not wise. One is more than enough, unless there is a good reason for doing this.

Separate your money spending from your emotions. To impress your boyfriend, you realized that you tend to spend more while you are around him. No No. Stop this habit immediately. It is not fun at all to put more money in items that you do not really need.

Only use your credit card or your cash in purchasing things that you really need them, do not buy just because this item was on sale. 😲

Spending should be guided by your financial goals. If you're saving in order to have a down-payment for a home, do not go and buy a new car, or sponsor a welcome party for a friend. It is unwise to do similar expenditure.

Overspending is when you take the wrong decision contradicting your financial planning. It will always keep you far away from accomplishing your money goals.

If you are out of tricks and you really can not control yourself using your credit cards, pls get rid of them, and never carry them in your purse or wallet, since it is obvious for you that it is the only solution.

One of the key elements to control your spending is to have a plan, a goal, a management, and a follow-up for checking on results after implementing your plan.

Some people would advise you to go to professional consultant, but you really do not need that, unless you're dealing with millions. You are your own planner, manager, and best accountant.

For God's sake, it is your money, who would ever be better than you in taking care of your money?!

Watch yourself carefully to know what your good/bad habits are when it comes to spending money. Are you totally dependent on your ATM machine, withdrawing all the time, on a daily basis? Oh! If this is the case, there must be something wrong. Pay more attention. You should not see the ATM machine except once a month, when you deposit your checks.

Sit with yourself, and put on paper all the categories that you spend at: Food, home, travel, medicine, etc.. Know how much you spend every month on each of these categories. See if you're making enough money to spend that amount or not.

Are you spending all your income? If yes, this is also not right. You need to have savings. No one knows what may happen in the future. You better have some money stashed for emergencies.

Planning:

It is very important to know which spending is fixed (recurring in the same amount every month). For example, you pay $ 100 for your cellphone plan every month. Also changeable but recurring, you need to have an approximate figure. For instance, electricity varies every month according to your consumption, but it would be within the range of $50-$70/month.

Other expenditure could be for fun not required to be in your budget at all if you need to cut it off completely, but if you have extra money and you want to spend it on a sport you like or a hobby, it is still OK, but plan it too in you budget.

Stick to your plan, unless there is an emergency.

Management:

1. Manage Your Budget

There many ways to track and control spending. You need to be aware of everything related to your money. Do not leave it unattended, it is like your own kid. Can you leave her/him unattended if doesn't have a logic of her/his own yet. Money does not know any logic. It can go wild.

2. Follow Your Plan

Keep in mind your priorities.

3. Be Honest with Yourself

Do not deceive yourself. Be a good guard on your own money, and do not neglect it.

4. Befriend with someone who is wise with money, or you admire her/his decisions when it comes to money. We get along better with people who feel the same towards the same approaches.

5. Update and Maintain an Emergency Fund

Consider it untouchable, and act accordingly.

6. Continue Finding Methods of Saving

But do not live miserably, live within your limits, you will be happier, and start your saving journey, the sooner the better.

7. Educate Yourself about Money

Catch any chance that would provide you with more knowledge about money, and give up any habits that drag you to more spending.

Probably we should continue talking more about few more points, but until then, just remember that money has no brains; you can call it rambunctious, like my son's dog! 😨

References:
. What is budgeting?
. No Money Worries.

In Good Intentions, Money!

Hello Friends!

Let's take a moment in reading the words that came in the lyrics of one of the most famous songs ever about money. Of course you know it: it's "Money Money" for ABBA 1976.

I work all night, I work all day, to pay the bills I have to pay

Ain't it sad

And still there never seems to be a single penny left for me

That's too bad

In my dreams I have a plan

If I got me a wealthy man

I wouldn't have to work at all, I'd fool around and have a ball...

Money, money, money

Must be funny

In the rich man's world

Money, money, money

Always sunny

In the rich man's world

Aha-ahaaa

All the things I could do

If I had a little money

It's a rich [man's] world

A man like that is hard to find but I can't get [him off my mind]

Ain't it sad

And if [he happens to be free I bet he wouldn't fancy me]

That's too bad

So I must leave, I'll have to go

To Las Vegas or Monaco

And win a fortune in a game, my life will never be the same...

Money, money, money

Must be funny

In the rich man's world

Money, money, money

Always sunny

In the rich man's world

Aha-ahaaa

All the things I could do

If I had a little money

It's a rich man's world

It's a rich man's world

I love this song, and I could say that it is the best song that was written about money, but  I haven't heard any other song that was dedicated to money like this one. May be there is but I'm not aware of, it's a possibility.

The writer considered that the wealth should be attached to a man, and that a woman should look for a wealthy man, if she was in need for money. One way to spread the idea that women could not be rich without a man to their side. Of course this is not always the case! 😵

We can argue that in many other cases, there could be a poor man who wants to marry a wealthy woman, so he wouldn't worry about earning money and its problems.

Of course we totally understand that it is an entertainment, and the good intentions were there, we have no doubts, we're just making a remark. Even on our dollar bills, there's no picture of a female, they're all males. This is also in good intentions! 💓

Money's Noxious!

Hell Readers,

What is the money?

Most of the money in a modern monetary system is what's called fiat money. Fiat money is money that has no intrinsic value but is used as a medium of exchange because a specific government deems it so. In Latin fiat means “let it be.”

Hence, money has no value in itself. Money is a tool that we invented to use it as a value for things we need such as food, home, services, etc. Money can buy things that are materialistic but not sentimental or emotional commodities, similar to love, pride, or respect.

The importance of money comes from the value the humans assign to it. We put a price for our food, home or shelter, but we cannot put a price for our health. Health comes before money. Then you may ask: "Wouldn't money buy health?"

The answer is "No". It can only help solve some health problems, but it cannot make you a healthy person if you are not. It can buy some med for you to take, or it can buy some medical equipment to keep you alive, but it would not buy the health you need to have to live a normal life.

Money cannot buy you the age you would like to have. You like youth. Do you like to be youth? Money cannot buy age to you. What is the importance of wealth then, if you have all that money but you are 70 years old, and you can no longer act like a 30 yrs old guy. 

You allowed your dream of being wealthy guy to steal you age and to steal your youth although you knew that you had a limited time on Earth. You thought that you'd make it while you were in your 40s but it took you more than that. Alas, no more youth. No wife or husband. No child or kids. You lived for making money. But money cannot buy you life.

Stop believing what you read online about the importance of money. Money has no importance. It's all an illusion that we live. Money is far overvalued. Truly, its definition the way it is now is so noxious. Wake up, guys!

Until we talk again, stay with our greetings and love 💟