Archive for the ‘Business & Economy’ Category
evawhite on August 11th, 2008
I had discussed in my earlier post about Acne Treatment. There I had discussed about the tools which are used to remove acne like black head remover etc. This time I would like to take your views on Proactiv. Has anybody used this solution to cure their acne problems? I have lately heard and read about this product. I am not aware how far solutions like this have helped in curing acne, but I do see people using them. Has anybody tried these products? And how have been your experiences? Please share here with us so that we all can benefit from your reviews.
evawhite on July 22nd, 2008
It is something which is bothering me since last six months. The electricity bills and petrol bills are increasing every month. They say conserve energy or we might have to stay without lights. I hope the day does not come. But we all have to do something about the increased electricity bills. There must be some ways to cut down the bills, or have a company which might give us power at better rates.
In my search I found Cirro Energy, Gexa Energy, Cirro Energy in texas area. They are experts in the fields of electricity pricing, negotiation and purchasing. I genuinely feel that people who can save on electricity must save by getting shifted to such kind of plans. They give good rates and are not heavy on our pockets. Saving electricity by using power as much required is the best way to conserve energy. Don’t use fans, lights and AC when not sitting in the room. Or do not keep your lights on when you go out of your house, these are some ways. But after taking care of all these things if still we are burdened with heavy billings every month, then I feel there is a need to change our electricity plan to a company which gives better rates and good service.
Think about it, savings in any form are always welcome.
evawhite on July 18th, 2008
116 Million US families and individuals got tax refunds this May as part of the 2008 economic stimulus program. With the sub-prime housing crunch hitting property owners and households hard it was a good idea to inject some funds straight into the mass population. The federal bank doing its bit to increase liquidity for the banks and the IRS is throwing in its share to help the masses.
Families would have received $1200 and individuals would have got $600 those with children will get an additional $300 per child. There was of course a cap on total household income to qualify for the rebates, $87000 annually for individuals and $174000 for families. The rebate amount decreased $75000 onwards for individuals and starts decreasing from $150000 onwards for families.
The President said ‘Go out and spend the money’ and many people did. They used it to buy the much-needed new eye glasses or on vital house repair, some used to buy that LCD TV they always wanted and a good part of the people used it to pay off their debt. In times of economic depression and liquidity is good. Giving tax rebates to the citizens is a novel and a very helpful gesture. There was even an ‘IRS Free File’ scheme for the people below the minimum taxable bracket but could yet apply for the rebates.
There were people (mostly richer) who have been critical of this move, these people really have no use for $600 or even $1200. The view is that the 168 billion dollars for economy injection could be better used. This opinion is of the minority. The rebates have all come and the US consumer spending index rose by 0.8% in May.
Agreed that only very few countries world-wide are capable of such measures but isn’t it worth a thought for the other countries as well? There is also the opinion that instead of cash; vouchers could have been given. Not best option in the US tax rebate case. People had the freedom to do what they wanted with that money. Pay off bank and non-bank debts which will only accept cash. Save that money. You can’t save vouchers. Many families put the rebates into their children’s college fund. No vouchers can work there.
Other countries could implement something similar, those don’t have that kind can do it the voucher way. For example offer gasoline vouchers for the folk who are in normal jobs but fuel costs heavily eating into their earnings. Or grocery vouchers. This could be beneficial in both ways, to the consumer by the vouchers and the vendor whose goods can be subsidized by the government.
evawhite on July 8th, 2008
You must have heard of the stock market’s crash, you certainly would be aware of rising commodity prices and surely still sore about the last fuel price hike. So is the worst over?
The world thought the worst was over 3 months ago. Which is why stock market participants bought in to the falling market assuming it can only go up from there. Gosh…. they were wrong. This global fall has happened in three waves. First fall in January (after scaling life-time highs in November and December), the second fall during March and the third in June. All this while the price of oil kept moving north. Money from one asset moving into another quite simply. In this case, from securities to oil.
Are we heading towards a recession? Yes. We are in one already. Things need to get worse before you believe. The way things are going it looks very much like things are going to get worse. The magnitude of how much money has been lost is beyond the scope of this article to explain. I’ll give you this however, historically whenever the stock markets have been beaten down into the sand, economic depression has followed. Expect the effect to ripple into everything you know.
Advice from an economic expert ”Citizens are best advised to hold on to cash. Which ever 
investments/assets can be liquidated should be liquidated. Even at a marginal loss.” When a fall is expected then any property sold at par or at marginal loss one can expect to buy the same back at a lower cost. Stock markets, property prices have gone up continuously over the past few years. Due correction was expected and underway now.
evawhite on June 24th, 2008
A few days back I had written a post on Health Insurance. After that post and giving you various information about the positives of health insurance, I realized the value of car insurance or for that matter of fact any auto insurance.
Last evening while returning back from work I met with an accident. I am alright, thanks to god for that, but my car is not fine. I got so scared when I saw the condition of my car post the accident, the whole bumper had gone, the glass windscreen was cracked and scratches all over.
That time my friend told me about maczoop.com. It is an insurance agency online which gives cheap car insurances. I checked the site and was quite impressed with their services. Since I was late this time, I made sure that all the cars in my house are insured with this company the very next day. After handling the loss of the repair for this car I did not want to handle any more losses.
This is the time I realized that when our health, or life and even our cars can be insured then why not use these facilities to make our tensions less. If I had done my car insurance earlier I wouldn’t have suffered the losses. These services are for the betterment of our living. I suggest we must all go ahead and get ourselves and our belongings insured as much as possible.
evawhite on June 13th, 2008
We have heard a lot about sudden mishaps and sudden casualties in our life.
The other day I heard that my very close friend has met with a very bad accident, and she had to go through a very big surgery. The surgery was going to cost a very big amount; she had to break off many of her fixed deposits to get the surgery done. That day while returning from the hospital it kept coming to my mind that somewhere we should be prepared for such casualties in life. I came home and I searched on the net about Health Insurance Plans I got a lot of sites but they were all turning out very heavy on my pocket. I was looking out for some affordable health insurance scheme.
After searching for a lot of health insurance quotes on many sites I finally liked one site which game me good value for my life and my health and it was not making a hole in my pocket too.
I came across this site called blindcntr.org
I am planning to get all my family members insured. I would suggest everybody to get themselves and their family members insured well in advance. You never know what our destiny has planned for us.
