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How to Simplify Financial Planning With the "3 Possible Outcomes" Method




Think about this for a moment… there are only 3 possible outcomes for your life. OK… there is really only one actual outcome. However, there are only 3 ways to get there.

1. You live a long, healthy life.

2. You live a long life, but not necessarily a healthy one.

3. You do not live as long as you expected to live.

When you really stop to think about it, that is it! So, why is it that we get so bogged down with information we do not understand that we end up choosing to do nothing? That’s right, I did say “choosing.” Or, worse yet, we do something without understanding it only to be regretful on the other side because it does not do what we bought it to do! Shame on the person who sold it to us… and shame on us!

It is mind-boggling to think that the “wealthiest society in the world” has a financial IQ of about 2 (and I believe I am being generous at that). We teach no practical money skills in this society. We do not learn good habits at home. We do not learn good habits in school. We do, however, learn really bad habits out in the “real world.” But by then, it is often too late to change the stress of the situation many have created for themselves. We then CHOOSE (there is that word again) to remain ignorant and continue to make the same mistakes throughout a lifetime, often regretting those choices.

It is time to get proactive about our financial lives. So, here are some things to compel you to think a little differently about your money:

1. GET CLEAR on WHAT you are trying to do BEFORE you start doing it

Every product out there is perfect for the right situation. Every product out there is a poor choice for the wrong situation. SO… look at the situation BEFORE you look at the product. Think of it as no different than looking at a map. How do you draw your route if you do not know where you are or where you are going? The answer is… you don’t! Yet, with our finances, we often try and put a map in place before we have any clarity on what it is we are trying to accomplish. Stop doing it backwards.

2. TAKE THE LABELS OFF of everything!

Here is a word association exercise… what comes to your mind when I mention… life insurance… annuity… mutual fund… disability income insurance… long term care insurance… 401(k)/403(b)? The list can go on and on. The point is, you probably had immediate reactions to many of those terms. If I now asked you to define what each of those products actually does or how they may or may not fit for YOU, chances are most people would give wrong answers. Those incorrect perceptions end up hurting you at some later time when you were counting on something to be there. Do yourself a favor… educate yourself with reality, not perception.

3. Use the “3 POSSIBLE OUTCOMES” method to make sure you are covered!

Do not over-think this! If you live a long, healthy life you do not want to outlive your money, right? So, educate yourself about what products create a guaranteed income for life. If you live a long life but not necessarily a healthy one, you need to look at how to protect yourself and your family should that be hand you are dealt. If you do not live as long a life as you had expected, it is not about you at all! Now, you better have something in place to take care of the people you leave behind who are dependent upon you.

There are a myriad of financial companies and products available. Here is the bottom line… NOBODY cares more about your money or your family than you do! You will never be younger or healthier than you are today! If you are not taking some time and energy right now to sit down and really talk about what it is you want to accomplish AND WHY, no one else is going to do it for you.

Get inspired… get real… take action! That is the only way you can ever be successful! Stay inspired!


Source by Robin Sacks


iPhone Application Development – Earn Money Through iPhone App Store




The Internet Revolution! I’m sure you read and heard a lot about it and so I won’t list the myriad ways in which it has changed everything. Professionals capable of working independently and creatively have benefited the most from the ubiquity of the internet.

There are so many ways I which you can showcase your talent to the world (or hawk your wares): you can write a novella, self-publish it over Amazon, and if people like it, you will mint money; you can post a funny video over YouTube (or start you own ‘Channel’), and using nothing more than your skills and ingenuity, find fame and fortune; or you can use your iPhone application development skills, sell your app(s) in the Apple App Store, and buy that yacht you’d always wanted!

Over 2 billion apps are downloaded from the iPhone App Store every year, and as the sales of iPhones continues to rise and more people start using iPhone, the demand for iPhone apps will increase. iPhone apps are constantly making the news and they are one of the prime reasons for the success of iPhones. Experts predicts that 3G smartphones which offer all the facilities of internet will replace PCs and laptops, and apps are the things that make it easier for the users to use their smartphones in lieu of computers: the market for apps is huge, and it will only grow further over time.

Do you have creativity, talent and innovative ideas? There are school students out there who are making serious money developing iPhone apps and selling them using the iPhone app store. Do you think you have the app idea of the decade? You don’t necessarily have to have a scientific and technical mind to gain success at iPhone application development: all you need is an idea and the ability to transform it into reality.

The best thing is that there are a number of free tutorials and SDKs available on the Internet; you can use download them for free and learn how to develop apps for iPhone apps. You might need t invest some time to study how to develop the best apps, and then how to market them over the net, but thereafter your creative ideas will take you far.

Even if you are not good at logic and math and programming is just not for you, you can still take help from professionals and pay iPhone developers to develop an app based on your idea. If your idea is really good, you could convince them to work for royalty from the sales of the app. And if your idea is really good and you are sure that the app based on your idea is going to sell like hot cakes, its best to pay the developer upfront and have complete control over all the profits on your iPhone app!

Once the app is ready, you just need to follow the simple guidelines on the iPhone app development store and list your app on the list of available apps. But there are millions of apps on the iPhone app store, and so you will need to do things to get publicity for your apps: get a website in the name of the app, try and make someone do a piece about in a magazine, keep your fingers crossed, and wait for the world to wake up to the proof of your genius!


Source by Vatsal M

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What Can I Use Bitcoins For?




Practically, almost any product or service that can be bought with dollars or other currencies can also be bought with bitcoins. On the other hand, the high volatility of bitcoins is a huge risk for some people that might want to use this cryptocurrency, but they are afraid about price differences. Even so, the characteristics of bitcoins make them perfect for internet payments:

1. Fast transactions

A bitcoin transaction is processed in 10-15 minutes. In case of a bank transfer, it might take hours or even days for the money to get from one account to the other. Some might say that PayPal or other ewallets are even faster. It is true, but there are other aspects that ewallets can’t give: privacy and smaller commissions.

2. Privacy

When you send bitcoins to a partner over the internet, the transaction will be registered in a blockchain. The list of transactions is public, and it can be verified on specialized websites. Only the identification number, the sum and the time are recorded. There is no way for somebody to find out from where the bitcoins come, and where they go. This is characteristic of bitcoins attracted many people. Well, some of those are interested about it because they can buy illegal goods with those, but the majority of bitcoin users are people that want to buy legal items and services, but which don’t want to disclose their identity. Porn and gambling websites might be immoral, but they are not illegal, so people that want to subscribe for those services can safely pay in bitcoins on the websites that accept this currency, knowing that their reputation will not be affected.

3. Smaller commissions

The average commission is 0.002 BTC for a transaction. It is significantly smaller compared with the PayPal or banking commissions. Moreover, you are not even obliged to pay it. By paying a commission, you “reserve” the computational power of a pool (or at least a part of it), to process your transaction faster. You even have the possibility not to pay the commission. In this case, you might need to wait two or even three days for your transaction to be processed. If you are not in a hurry, this might be the perfect opportunity to make money transactions with zero costs.

Of course, there are also disadvantages for using bitcoins, such as the possibility to lose them. If somebody steals your bitcoins, or if you delete the wallet files, it is impossible to recover those. As long as the bitcoin is not regulated, there is no central organism for arbitrage between divergent parts. In other words, you can’t complain if you lose or you are robbed by your bitcoins, simply because there is nobody to complain to.


Source by Stanculescu Mihai Bogdan

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Things You Should Know About Bitcoin Black




What is Bitcoin Black?

Bitcoin Black is basically the cryptocurrency of the people, by the people for the people. It will be adopted for use as a peer 2 peer payment system which gives the power back to the people.

If we talk about Bitcoin, Bitcoin has failed at this, real value comes from real use of the ecosystem and empowering people. Bitcoin transactions are slow and expensive, and it can be said that Bitcoin is somewhat centralized. Bitcoin takes power of people because it is heavily manipulated and through cycles that discourage participants from cryptocurrency in general.

People buy bitcoin to get rich, not to be involved in the ecosystem. The one percent elite takes advantage of bitcoin and creates discouragement, strategically increasing the price and attracting entry for the dream of wealth and dumping coins for their benefit. In fear of adoption. Bitcoin is completely controlled, pumped and manipulated at will, for many different reasons.

Bitcoin Black is focusing on solving these problems as the coin is a cryptocurrency with a fair distribution Airdropped to 1 Million wallets prior to IEO which all funds will go to community groups voted by the community to move the project forward with focus on fair distribution, mass adoption, usability, education, ease of access, simplicity and community.

The goal is to make it a real decentralized autonomous network giving back power to the people. He does not belong to a group, but belongs to many branches of the community.

Distribution of Coins

Bitcoin Black is aim to have airdrop to at least 1 million wallets initially with not more than 0.5% of supply owned by 1 founding member making it truly decentralized cryptocurrency.

The project have a pre-sale of 2.5% of total supply which is almost 900 Million coins.

If we take a take a look at the IEO, 7.2 billion IEO coins will be allocated to several community foundations that will help the community move the project forward in the future.

Counterpart funds for manipulation (around 5%). Part used for the stability control fund to eliminate the possibility of early manipulation at low volume and maintain currency stability.

Finally, the rewards for introducing the application will be 14.4 billion coins.

Introduction of 30 million members with an increase in the rate of new users. A method of bringing the coin into every schoolyard / university / workplace and community.

Total Supply

A maximum supply is 36 billion coins.


3.6 billion coins to be claimed by members who help share Airdrop.

Simple social sharing platform in one click. Share a social message that provides an introduction to encrypted video and the app download link that will allow your friends to download it. Currently the platform is active and functioning well.


The best innovation is the Fee free transactions. You can send bitcoin black to anyone free of charge. The transactions are Instant and you can send money as easily as sending an message.

The wallets are easily accessible and very simple to use.


Bitcoin black have a fair mass distributed currency with supply spread widely that it will create less volatility by synchronized pumps and dumps and lead to a more stable price. Bitcoin black is going to be the next bitcoin. You can register for the airdrop by clicking here. I wish someone back in 2008 would have included me on the Bitcoin airdrop. Bitcoin Black will be life changing and we want to tell this to as many as possible.


Source by Mark West

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