Monthly Archives: March 2018

Cleaning Business Profits, Earnings and Salaries – How Much Money Can You Make?

The cleaning business, while not the most glamorous of industries is nevertheless a fast growing multi-billion dollar business in the US and offers entrepreneurs unique opportunities to profit and earn a ‘six figure’ annual salary.

Let’s examine the cleaning industry and look at how much money it is possible to earn and what it takes to get to the ‘six figure’ level.

How much Money can you make Cleaning?

Most small cleaning business owners who work at it full-time as sole operators in their first year are able to earn between $20,000 and $30,000. Once they are able to take on employee, build up some local reputation and get good systems in place then a $100,000 annual income is not unrealistic and much more is possible for those who put in the effort.

What Separates the ‘Six Figure’ Operators from the Rest?

Here are ten factors to consider that typically separate the high income earners from the rest –

1) Different cleaning niche markets offer different opportunities. In some cities and states in can be easier to make it in the office cleaning sector and in other areas the carpet cleaning sector is more lucrative. It all depends on local demand and how many companies are catering to that demand.

2) Start building your brand right from the start and view it as your company’s most valuable asset.

3) Develop and refine systems that make sure that your business runs smoothly. Constantly look into ways of increasing the productivity of your cleaning crews.

4) Realize the importance of having a great sales system. Focus your efforts on converting an increasing number of leads into customers.

5) Up-sell your clients with services related to cleaning, premium services or more frequent service.

6) To scale up to the ‘six figure’ level you must learn how to hire, train and organize teams of workers to do the cleaning while you focus on running the business.

7) Learn how to run successful advertising campaigns and learn about modern marketing methods such as networking, cross promotions with related businesses and ‘word of mouth’ marketing.

8) Value your customers. Treat them as individuals and frequently remind them how much you appreciate their business. Satisfied customers can lead to referrals, and acquiring customers through this method is free.

9) Have the right attitude. People sometimes stereotype cleaners in a negative way. There is nothing wrong with being a cleaner for a living but you should view yourself as a businessman or woman first and foremost.

10) Research and learn continuously. Educating yourself about the cleaning business and business management in general doesn’t stop once you set up your company.

Could you start a successful cleaning business and earn over $100,000 a year?



Source by Steven Sutherland

Why is it That Men Who Are "Uncut" (Uncircumcised) Typically Have Bigger Penises?

Men who have not been circumcised typically have larger penises than men who have been circumcised. What is the reason for this?

Circumcision is a surgical process usually performed when the male is in his infancy. It removes the foreskin from his penis. It is a traumatic process for the infant and some researchers believe that it creates deep-based psychological fears, as the male is so young.

When the foreskin is surgically removed it creates scarring and scar tissue. If a circumcised male looks at his penis he can usually see the scarring between the shaft of the penis where it meets the corona (the corona is at the base or back of the head of the penis). The scarring is usually visible because the skin will have a different color than the rest of the penis.

This scarring damages the tissues in this area of the penis and will impede penis length on erection. Because this is done in infancy (usually) and before puberty, this will affect the size of the penis when it gets its growth spurt during adolescence.

An Australian scientific study measured 158 men for penis length. They compared circumcised and uncircumcised men. They found that the average penis length in circumcised men was 5% less than non-circumcised men. This, of course, is the average. Some men lost less and some men lost more of their size. It’s also worth noting the research of Dr. John Taylor who revealed that 51% of an infant’s penile skin is removed with circumcision.

But affecting penis size isn’t the only problem with circumcision. The foreskin is rich in sensory nerve endings and is one of the main areas of the penis that increases a man’s sexual pleasure. When it is removed this decreases the sexual pleasure a man will feel during intercourse. The foreskin is also rich in tactile nerve endings, like those found in the fingertips that can perceive very fine sensations through feeling. With removal of the foreskin, the male loses this very fine touch sensation in his penis. This is important because he won’t be able to “feel” the vagina with his penis.

The scarring of the penis cannot be reversed, unfortunately, but there are methods of natural penis enlargement that can help increase a man’s size if he was robbed of it through this surgical procedure. There are also methods of increasing the sensitivity and sensation-ability of the penis. To learn about some of these methods, read IRON MAN PENIS – THE RUSSIAN SYSTEM.

Sincerely,

Georg von Neumann



Source by Georg Von Neumann

Myers Briggs Personality Type and Political Affiliation

We’ve all come across people who just seem incapable of modifying their perspective based on new data being presented. Most of us still mouth the words that additional education (or indoctrination/propaganda as is often the case) is what is needed since surely this person will turn around if his/her consciousness is sufficiently expanded with additional data backing your perspective. However, all too often deep inside we know that some people are “hopeless”. This conclusion concerning failure of propaganda is reached from all over the political, cultural, and religious spectrum at one point or another. It thus becomes fashionable to outright dismiss “inconvertible” individuals and opposing zealots (on political and religious fringes of any given population) as nuts and crazies.

Personality theory in psychology allows us to better categorize individuals in society without resorting to name calling. Myers-Briggs typology in particular offers a better construct (compared to useless terms like conservative and liberal for example) to predict how an individual will act politically and socially. Myers-Briggs research combined with biology and brain scan techniques also offers us hints at understanding the underlining anatomical basis that predisposes a person to be either a disagreeable radical or a gentle follower.

There’s been little relative popular attempts to scientifically explain why the bulk of the population is always a warzone between the extreme fringes. It’s just assumed that it will always be this way just like there will always be criminals and extremely altruistic self-sacrificing givers. This assumption seems reasonable and obvious but gives rise to two other creeping and unsettling assumptions:

1) The human population is relatively fixed along a bell curve type continuum. Perhaps this is better visually represented by a sphere with a number of spikes extending from it. The moderate population is the bulk of the sphere and the zealous “radical” factions (whose opinions differ dramatically from the statistical average) are the spikes extending from the sphere’s surface (as well as into the interior to some degree which would represent silent sympathizers). It is irrelevant to label the spikes as extreme left, right, etc. All that is important is that a relatively fixed minority of the population (lets say 10-20% range) will be:

a) prone to modes of thought that are tangibly different from majority’s

b) prone to action and lifestyle based on these thoughts

Authors like Friedrich Hayek for instance, observed that in 1920s Germany roughly a million workers swung their support between communists and Nazis based on who was winning. It was noted that the two seemingly opposing ideological parties clashed with one another the most because they were very often competing for recruits in the same psychological pool of young people. Considering how many overexcited Americans called both Bush and Obama the new “Hitler” in recent years, we can easily imagine how an aggressive drooling at the mouth anti-war protestor from a big city could have been an equally excitable protester at a teabag rally if only he was born in a small town and into a different culture.

2) Since the ratio of intensely active people (prone to being perceived by population at large as “wingnuts”or criminals or radicals or genuinely informed and committed activists, etc) to more relaxed apathetic majority seems to be roughly fixed across all societies and globally as a whole, the explanatory basis for such a dynamic can only be biological. Just like there exist (and can further be bred) aggressive dogs and peaceful friendly dogs, there exist aggressive people, natural Buddhist-esque peaceful people, etc. A person who is an aggressive pit bull equivalent (and who wants to impose his views of the world onto others the most) would differ in his relatively extreme ideology depending on what part of the world he was socialized in. Psychiatry has shown us that people are born with different ratios of neurotransmitter production and quantitative as well as qualitative differences in the types of chemicals that affect their mood and cognition. We now understand that people differ a lot more in terms of brain architecture than they differ in terms of things like body type, skin color, fast twitch/slow twitch muscle ratio, etc.

The reason why these assumptions are unsettling is not because there is a degree of fatalism involved (“he will be a radical of one stripe or another no matter what” or “he will be socially lazy, shallow, apathetic, and uninvolved no matter what). Obviously with modern socialization methods and pharmaceutical modification (with psychological genetic and cybernetic modification to follow in near future), an individual can be shaped more than ever before by society and by himself. The assumptions are unsettling because if the broad direction of our views, opinions, and political/cultural/religious affiliations are largely physiologically determined at birth, then societal progress becomes enormously more difficult. Societal progress can be defined here as one zealot faction (that is seen by majority as the most “correct” in its socioeconomic policy perspectives and formulations of what humans should do next) dragging everybody else along behind it as has always occurred throughout history.

Obviously people will disagree on what constitutes progress (some actually thought arrival of Reagan was progress) but if majority of people are physiologically predisposed towards the status quo, progress of any sort becomes a lot harder in a democratic society. In the past, one intense dedicated fringe of the aristocratic elites dragged the other nobility along behind it (since majority of nobility would also have a soft apathetic bulk) and thus dragged the rest of the population behind it as well. We also had scenarios of power vacuum developing and one intense fringe political faction overpowering the others (as in the case of Bolshevik and French revolutions) and filling the leadership position to then drag the rest of the serfs behind it.

In today’s democratic structure however, protection of the status quo is a lot more preserved since the moderate bulk of the population has a political voice and thus a way to provide the ruling elites with legitimacy. The moderate bulk of the elites now also has ever more sophisticated consent and perception manufacturing methods to influence the newfound voice of the majority. For a small number of dedicated activists, pushing society along towards desired version of progress against the forces of social inertia is now harder than ever. The powerful activists now need to sway both the fellow elites and the people simultaneously.

Let’s finally get to the Myers-Briggs part of the article to see what we are now dealing with.

The most widely used way to get a glimpse of people’s underlining neural physiology has been the Myers-Briggs psychological questionnaire (one of the better versions found online for free can be found here). Over the past few decades, the Myers-Briggs Type Indicator has been utilized to collect enormous amounts of statistical data on personality types found within the human population. The statistical type breakdown (I am using a combination of 3 different sources on the %. Don’t mind the catchy positive nicknames each type and group cluster has been given. What matters here is the number within a population.) so far has been as follows,

Protectors (SJ)

ESTJ – Overseer, supervisor = 11.8%

ESFJ – Supporter, provider = 11.7%

ISTJ – Examiner, inspector = 9.8%

ISFJ – Defender, protector = 9.9%

All SJs = 43.2%

Creators (SP)

ESTP – Persuader, promoter = 8.4%

ESFP – Entertainer, performer = 10.3%

ISTP – Craftsman, mechanic = 6.4%

ISFP – Artist, composer = 7.9%

All SPs = 33%

Intellectuals (NT)

ENTJ – Chief, fieldmarshal = 3.2%

ENTP – Originator, inventor = 3.7%

INTJ – Strategist, mastermind = 1.5%

INTP – Engineer, architect = 2.2%

All NTs = 10.6%

Visionaries (NF)

ENFJ – Mentor, teacher = 3.4%

ENFP – Advocate, idealist = 4.2%

INFJ – Confidant, empath = 1.2%

INFP – Dreamer, healer = 2.4%

All NFs = 11.2%

Each of the personality types (the well defined strong ones at least who haven’t self reported to be a mutt of 2 or more different personalities) can be seen as a specific brain type. As mentioned above, the physiological neural difference between 2 people of vastly dissimilar brain types is a lot more significant than how a person looks on the outside. That is because the brain type determines a mental and emotional predisposition of a person for the rest of his life. People classified as “bipolar” or “anti-social/sociopathic” for instance, have neural structures that will make them lean towards some things more than others during their entire lives.

We can see from the statistical breakdown that SJ (left-brained people with parietal lobe strength) predominate in the overall population. The second biggest group are the SP (right-brained with parietal lobe strength). Together they are almost 80% of the population. The SJs tend to be conservative, authoritarian in outlook, conventional, focused on concrete “what is”, and protective of the general society. They don’t rock the boat too much and defer to tradition. The SPs tend to be fun loving, crafty, entertaining, and have uncanny ability to focus on “what is” (with their parietal lobe) in order to fix and modify it.

If you look at the cute nicknames given to different brain types, you can see that the human herd pretty much needs all of them if it is to evolve and survive. Some types are needed more than others in the great scheme of things. The SJ and SP groups for example are conveniently numerous. SJ population provides a great amount of soldiers, policemen, social workers, self sacrificing charity givers, accountants, and status quo protectors. In other words they keep the herd safe even if it means stagnating the herd through using their positions in the executive to slow down rapid change. SP group provides us with artisans who improve quality of life for the herd through provision of entertainers, artists, dancers, singers, and resourceful improvising mechanics. SPs can be said to exist to entertain SJs and keep them on their toes by having more fun than them.

It’s easy to see how SJs lean republican and SPs lean democrat overall. The jokes that democrats have better sex lives than republicans begin to acquire an element of truth (considering the different approach left and right sides of the brain take in deciding on how to deal with the here and now). However, the two large groups are united by their concern with all things as they are in the now. That makes the two groups friendly and status quo leaning by default. An ESTJ born in Brooklyn may identify as a traditionalist democrat whereas an ESTJ born in West Virginia may identify as a traditionalist republican, but both are more likely to seek similar professions and get along if they hang out together. Brain type identification provides a lot more material to predict a person’s behavior and views on the world than simple political identification.

The overall theme emerges that people with neural computers that predispose them to either protect the status quo or be apathetic about it (since they are busy pursuing hedonistic adventures) are the supermajority that are not as interested in “what can be” (as the less numerous NP and NJ groups tend to be). A point must be made here that not one group is more important than another and that even their numerical breakdowns seem amazingly appropriate. It would be turbulent for the herd to have for example, more ENTJs/INTJs than ISTJs/ESTJs since the problem with authority that NJs have (due to their desire to be the authority themselves) would create unsustainable infighting and not allow enough people who follow orders. Each brain type has a very key social niche and function and over thousands of years there evolved an intricate genetic balance and ratio. There are of course also multitudes of physiological “mutts” who are a hybrid of all and can’t be “pigeonholed” (the most common complaint brought against psychological typology in general).

Interestingly enough, the Hindus have spent thousands of years evolving classification of human beings into 4 broad psychological varnas or classes. Each was considered as important as the other (all parts of the same body) with their own particular temperaments and duties.

Some brain types are literally made to create new theoretical constructs on how society should be organized and which steps it should take next (INTPs, ENTPs,). When balanced by the emotional consideration and input of INFPs and ENFPs (since strong T theorists are prone to being too rigidly rational and thus not take into consideration the emotional impact of their constructs) new paths for society can be developed that would be acceptable to SJs and SPs combined. However, as explained above, these people will always be outvoted and marginalized by politicians who mobilize the other more numerous groups. “Think of the children!” is a call to arms for ESFJs and ISFJs for instance whereas being tough on crime, national strength, and defeating foreign enemies is the bread and butter of ESTJs and ISTJs.

This dynamic reinforces the need for proportional representation in our system of governance. Proportional representation is practiced in most European Union countries to great effect. This way each brain type cluster can get a political party of their own. The marginalized 20% of the population can get representation and even serve as coalition kingmakers. New voices can be heard in the discourse. Today the 20% of population has to either join the big parties they don’t like and “radicalize” them (seen by the tail wagging the dog phenomenon of militants dominating today’s Republican party and driving moderates out of it) or abstain from the process thus depriving society of valuable input. In proportional representation, each batch of brain types seen as “radicals” can find a party to call home and really support. They would also have more political representation to vent out their frustration and to institutionalize their presence and views. Citizens can then pick and choose which vision of progress to support and which to leave behind.



Source by Pavel Podolyak

If Someone is Erasing Or Deleting Their Text Messages, is it a Sign of Cheating?

I often hear from people who can’t help but notice that their husband, wife, boyfriend, or girlfriend has been increasingly sending and receiving text messages. However, when they go to check up on those texts, they’ve often been deleted or erased.

I often hear comments like: “my husband will go and try to find privacy when he’s texting. I’ll see he has a mischievous and excited look on his face and I get a feeling of dread in the pit of my stomach. But, when I get a hold of the phone later to see who he’s been texting and what he’s been saying, I find that he’s deleted his entire history. He also does not like to part with the phone and mostly keeps it on him at all times. What is going on? Should I be concerned that he’s cheating on me and using his cell phone to do it?”

These concerns are most definitely valid. Statistics show that it’s increasingly common for people to get caught cheating from their cell phones. And, it’s very tempting for cheaters to sending playful and flirtatious texts to someone who you are cheating with. Plus, the cheater often thinks that all they have to do is hit the delete button to erase all evidence of wrongdoing. (This assumption can be just plain wrong.)

If you confront your loved one about the deleted texts, they’ll often tell you that they were trying to save memory on their phone or that it’s just their habit not to let their messages clutter up their phone. And, I suppose there are cases where this is a valid excuse. But, it will often help to look at how soon after the message’s use that they are actually deleting it. It’s less problematic if they let the message sit there for days or weeks before they get around to erasing it. But, if they’re erasing immediately after it’s sent or received, then this becomes a good bit more suspicious.

If your loved one is even reasonably tech savvy (and they likely are if they’re constantly messaging,) then they likely know that they can easily set their phone to automatically delete old messages after a specified period of time so that having to go in and manually do this is really over kill.

What To Do When Your Loved One Is Constantly Deleting Their Texts: As I see it, you have a few choices here. You can ask or confront them about this, but I have to tell you that an extremely large majority of cheaters will firmly deny any wrong doing. You can ask yourself if there are any places where you’re seeing odd behaviors (like at the computer) and then try to follow up and check those places. You can also check the call log, photos, and sent emails. There is software that allows you to go back in and read the texts and only you can decide if you want to take this that far.

I think it often comes down to the other behaviors that surround the messaging and whether or not you believe that this is all innocent or not. And, if you’ve found this article, I suspect that you might feel like there is more to this than saving phone memory. Sometimes this isn’t the case, but many times, it is.



Source by Seeta Dean

2 Thrusting Techniques That Drive Her Wild in Bed

This probably won’t come as a surprise to you, but almost no guys take the time to think about the thrusting techniques they use during sex.

I remember when I was having sex, before I learned all the “cool tricks” and ways to give women multiple orgasms, I never used to think about my thrusting techniques.

And if I did somehow think about how I was thrusting I just assumed “it probably doesn’t matter how i’m thrusting anyway”…

How wrong I was.

One of the things I discovered on my “journey” to becoming a great lover is that the thrusting techniques you use during sex can make the difference between her orgasming 3+ times or her feeling nothing.

So if you take nothing away from reading this but one thing then let it be this.

Experiment with different thrusting techniques every time you have sex.

As soon as you start consistently experimenting, suddenly you’ll be shocked when you come across a few different thrusting techniques that drive her wild.

And as you keep experimenting you’ll discover more and more great thrusting techniques, and eventually you’ll have a nice collection of thrusting techniques you can pick from every time you have sex that you know will get her to orgasm.

Now let me get a bit clearer about what exactly I mean by “thrusting techniques that drive her wild”.

Thrusting techniques are how you thrust your penis in and out during sex.

Most men opt for the fast, all in and all out approach with no change of rhythm, speed, depth or timing.

Here’s where you can be different.

Start mixing up the rhythm, speed, depth and timing of your thrusting.

Go fast for a bit, then go slow for a bit.

Go deep for a bit, then shallow for a bit.

You get the idea.

But you can also get a bit more advanced than this…

So here are two examples of some slightly more advanced thrusting techniques you can try out or get ideas from…

1 – slowly increasing depth and speed

women love build-up, teasing and anticipation.

You sticking your “thing” in full depth as soon as you start sex is not any woman’s idea of a good time (unless you’ve already got a history of raw physical attraction and exceptional pleasure giving, in which case you can break the rules now and again).

Like I said, women like to be teased.

So one great thrusting technique for this is to start off sex by entering your penis into her vagina at an absolute minimal depth and very slowly.

Then take it out again.

Then next time enter very slightly deeper and very slightly faster.

Then take it out again.

And repeat the process getting gradually deeper and faster.

Overall it’s a fairly slow process and it should take several minutes until you’re in full depth.

And because of all the teasing and anticipation you created, she’ll appreciate your deep thrusting 10x more than if you started full depth straight away.

2 – slow and shallow with the occasional slow deep thrust

this is another great thrusting technique for getting her to appreciate your deep thrust.

If you do this right you can experience her gasp when you go in deep.

How this one works is pretty simple.

Most of the time you’ll be thrusting very shallow, roughly an inch or two in depth.

Then every now and again, like once for every 10 shallow thrusts, perform a very slow thrust to full depth.

Because of the contrast to all the shallow thrusts she’s just experienced she will love the feeling of you going in all the way.

It works great.

And remember to just go in deep once and then return to doing 10 or so shallow thrusts before going deep again.

So there you have it.

Two examples of different thrusting techniques.

There’s an endless amount of ways you can vary your rhythm, speed, depth and timing while thrusting to create an incredible experience for her.

So get experimenting now.



Source by Jack Grave

The Crash

Through-out this past year there has been a certain amount of speculation that World War III is eminent. When the general public thinks of war we conjure up images of horrific bloodshed and even nuclear weapons being dropped. But, there is a more insidious weapon that is actually poised to devastate economies all across the globe. What we know is that the Trump Administration being so ignorant about foreign affairs is poised to unleash a barrage of retaliation form our trading partners from around the world. These tariffs that he is considering if implemented could very well be justification for destructive attacks on the United States very precarious financial system by China, Japan, Russia, the EU and OPEC nations along with many other countries.

How this will unfold is that these countries will begin dumping off their U.S. debt holdings and by doing so will end the dollar as the world’s reserve status. This is only on the surface. The real danger is an internal war waged against the global economy by the central banks. It is the banks themselves that have through-out history deliberately created financial crises and collapses. Remember the financial crisis of 2008. That financial catastrophe for millions of Americans only made the financial institutions that much richer when the US government and the Fed pumped trillions of fresh cash right back to those too big to fail banks. If the US dollar was not the worlds reserve currency the panic of 2008 would have made the Great Depression seem like a picnic.

Today, vast sums of wealth can be transferred in and out at the speed of light. The collapse of one economy or economies really does mot mean the destruction of banker wealth. It is the banks themselves that see national economies as they say mere holding containers. How this works is that banks can pour their wealth which they can create from thin air, as long as the US dollar is the world’s reserve currency, into one or more of these containers or economy. They also can circulate that wealth within the container or economy for a time and then pour out all their wealth at a moment’s notice.

We have to remind ourselves that a destruction of a national economy can be exploited as a means to a greater end. Usually this so called greater end means using the crisis to justify greater centralization of power or the transfer of power from the public into the hands of the people who are behind the bankers. Through-out history there have been such transfers. The liquidity crisis of 1914 just after the Federal Reserve was established leading into World War I. Let’s not forget the hoarding of financial power by banks when the League of Nations was created. In 1920 the artificial bubble in multiple asset classes created by the Federal Reserve with very low interest rates. That bubble burst when interest rates were raised which brought on the Great Depression. The Depression in the US coincided with other fabricated economic disasters in Europe and Asia lead to the rise of fascism and World War II. All this greatly benefited the banking establishment as thousands of smaller banks were crushed. This was the start of the World Bank, the United Nations, the International Monetary Fund and the beginning of the European Union. When we realize what has happened we find that in every economic calamity consolidates property and bureaucratic control into a oligarchy class. And, with each financial catastrophe brings about massive debt dependency.

Today, we are in an era of burgeoning crisis and believe it or not the Fed is feeding the fire of disaster. A disaster that will trigger and explosion, a controlled demolition of our financial system. Remember massive debt dependency? What we have today are three ticking time bombs all capable of causing massive untold destruction. Consumer debt: Total American household debt at the end of 2017 has reached beyond $13 trillion. the highest in history. For the past 5 years consumer debt has risen. by the end of 2018 the projected consumer debt will be even higher. Credit cards, auto loans, mortgages, student loans etc, all indicate that the so called economic recovery is just smoke an mirrors. There has not been any legitimate wealth creation or resurgence. there has only been a greater dependence of the same debt that helped create the 2008 financial crisis. The Fed money only made those too big to fail banks that much richer. When the Fed quietly raises interest rates all that does affects the numerous asset classes including housing markets, mortgages etc, auto loans, credit cards and student loans. In effect when interest rates rise all other areas of the economy come under pressure. The average citizen with record debt levels are now face with a financial nightmare.

Corporate debt is the most subversive crisis waiting to explode. With rising interest rates and the amount of corporate debt already on the table we will more than likely see another stock market crash. Today the S&P shows that at least 40% of 13,000 corporations have debt to earnings ratio of 5 times. A level even higher than it was prior to the 2008 collapse. We have to consider that corporations have been exploiting low interest rates to borrow huge sums of cash for the sole purpose of purchasing their own stocks. None of this money went to increase employees salaries. Stock buybacks are a legal form of market manipulation in which companies by stocks back from the public which in turn reduces the number of existing stocks circulating in the market which artificially increases the value of the stocks overall.

We have to remember that stock buybacks have been the main fuel for the longest bull market in history. But, this bull market is so fake that even the media have begun to question its validity. Stock buybacks are completely dependent on cheap debt. Unfortunately cheap debt is becoming not so cheap anymore with the Fed raising interest rates. Eventually, maybe sooner than we think another stock market crash is inevitable.

The national debt has been the subject of many a Presidential debates and yet it looms higher than ever. In the wake of a potential global trade war the question arises as to how long will it take before major U.S. treasury bond holders like China dump their holdings in retaliation? The lunacy of Trump in his refusing to recognize the seriousness of our continued raising of the national debt ceiling only concludes that our national debt will only increase. The Federal Reserve used to be the largest purchaser of U.S debt. But, since they have raised interest rates the Fed will most likely not step in if and when a trade war escalates to a treasury bond dump. When that happens it will be too late for our dollar will no longer be the world’s reserve currency. And, when that happens all hell will break loose.

We had better recognize that all three contingencies of debt each one more profound every year are catalysts for an economic catastrophe that will occur if not addressed ASAP. The longer we remain in a perpetual state of denial by elected officials and fail to realize just how close we are to an economic Armageddon the sooner every American will pay a hefty price. A price we can no longer afford. There is a way to negate to possibility of financial doom but ti takes our elected officials first to recognize how close we are to falling into the financial abyss. We then have to implement the reforms that will negate the possibility of financial calamity by ushering in National Economic Reform’s Ten Articles Of Confederation.



Source by Dr. Tim G Williams

States With No Income Taxes & States With Low Property Taxes

Real Estate Investing & Property Tax Rates

In the United States, property tax is assessed by local government at the municipal or county level. The property tax assessment is based on two values–the value of the land, and the value of the building. Since property tax is calculated at a local-level–and since changes occur frequently–it’s tricky to determine the exact spots where property tax is the lowest. However, the following information should help you locate areas with high appreciation AND low property taxes.

Which States Have the Lowest Property Tax Rates?

County tax rates are often averaged into a single figure, and this number is used when comparing property taxes between states. Surprisingly, Wyoming has the lowest property tax rates. Unfortunately, property values in Wyoming tend to be pretty depressed, due to low population influx and a lack of jobs. Also, Wyoming does not rank highly when it comes to appreciation rates for residential and commercial real estate. Just because an area has low property taxes does not mean it will be the best area to invest in (or relocate to).

What to Look For When Investing

Look for an area that has a consistent rate of real estate appreciation, combined with fairly low property taxes. Often, local property tax rates are low because real estate appreciation in the area is low–so you need to be careful. Cities located next to universities and areas where businesses are relocating are usually excellent spots to buy real estate. Paying attention to population growth can help you spot real estate trends and make wiser investments.

Medium-Sized Cities With the Lowest Property Tax Rates

According to data gathered by the Office of the CFO in Washington, D.C., the following cities have the lowest property tax rates in 2006, based on an annual income of $75,000. Assuming you earn $75,000 annually, here are the property tax amounts you would pay in each city…

Birmingham AL — $988

Cheyenne WY — $1,108

Phoenix AZ — $1,248

Wichita KS — $1,309

Denver CO — $1,362

Charleston WV — $1,395

Oklahoma City OK — $1,538

Kansas City, MO — $1,595

Little Rock AR — $1,648

Louisville, KY — $1,713

Jacksonville FL — $1,744

Honolulu HI — $1,781

Billings MT — $1,864

Salt Lake City, UT — $1,904

Virginia Beach VA — $1,918

Jackson MS — $1,971

Charlotte, NC — $2,021

Boise, ID — $2,176

Columbia SC — $2,214

Las Vegas NV — $2,225

Sioux Falls SD — $2,228

New Orleans, LA — $2,231

Wilmington DE — $2,416

Memphis TN — $2,501

Albuquerque NM — $2,517

Houston TX — $2,861

The Connection Between State Income Taxes & Property Tax Rates

States with no income tax (see list below) usually have high property tax rates in their respective counties (The state needs to get its revenue from somewhere!). However, the trade-off is that you will have zero taxes on all earned income. This can be a huge advantage. Instead of paying the state 7 to 15 percent (or more) of your income, you can keep your hard-earned money, and invest it back into real estate or other investments. There are currently nine states that do not tax income at the state level.

States With No Income Tax

Alaska

Florida

Nevada

South Dakota

Texas

Washington

Wyoming

New Hampshire*

Tennessee*

*New Hampshire and Tennessee do not tax earned income, but they DO tax capital gains (dividend and interest income).

How To Find the Best of Both Worlds: Low Property Tax & No State Income Tax

If you’re looking for the best of both worlds (low property tax and no state income tax), you may want to consider the following cities:

Sioux Falls, SD

Houston, Texas

Jacksonville, Florida

Memphis, TN

Cheyenne, WY

Las Vegas, Nevada

You can also explore less well-known cities in the nine “no-income-tax” states. Smaller towns and cities generally offer “quality of life” advantages, and higher-than-average price appreciation and growth.

Conclusion

Now you know which states don’t tax income, and which areas have the lowest property tax rates. Armed with this knowledge, you can focus on finding the best spot for your next home or real estate investment.



Source by Michelle Taylor

Differences Between Damask, Brocade, and Jacquard

Often times, uneducated individuals use the terms damask, brocade, and Jacquard interchangeably with one another. It can often confuse those who are unfamiliar with the world of fabrics. Jacquard is a decorative or woven pattern that is created by using a Jacquard attachment on a loom. The attachment resembles the punch card on a piano. It is purported to offer better versatility and fabric control for the operator of the loom. The Jacquard technique can be applied to a variety of fabrics, and it is commonly used on brocade and damask fabrics. It is commonly used in a variety of apparel and home goods, from tablecloths to bedding.

Brocade is defined as a lavishly decorated, shuttle woven fabric. It is primarily woven from silk; although, it is possible to find brocade constructed from a blend of silk and synthetic fibers. Often, it will be embroidered with gold or silver thread. Brocade can trace its origins back to India, where weaving is a traditional art form. It is typically woven on a loom, and it may or may not be woven using the Jacquard technique. It is also characterized by the manner in which the brocaded or broached parts of the fabric hang in loose groups or are clipped away. Although the scenes and patterns on brocade appear to have been embroidered, the scenes are actually woven into the fabric using advanced weaving techniques that involve manipulating the weft and weave of the fabric. The most common types of scenes depicted on brocade fabric are those of floral prints.

Damask, similarly to brocade, is a fabric that features woven scenes of floral patterns, intricate geometric designs, or simple scenes of domestic life. It may be woven of silk, wool, linen, cotton, or synthetic fibers. However, it is most commonly created from silk. It is primarily different from brocade in the fact that its woven fabric pattern is reversible, while that of brocade is not. Similarly, shorter weft patterns in damask allow for more subtle effects in the fabric to be created as it plays off of shadow and light. Damask weaves also contain a higher thread count than that of brocade. Double damask weaves are the highest quality of damask produced; however, it is also the most expensive.



Source by Gabriella Ramirez

3 Sex Skills You MUST Master (If You Want Awesome Orgasms)

There’s “sex”, and then there’s “SEX!” We’ve all had plain old missionary style sex that gets to be bore over the years. If you are just having standard, boring sex then you are really missing out on the real orgasmic pleasures of true mind blowing sex.

If you want to experience awesome orgasms, you just need to follow these 3 sex skills:

1. Long Lasting Sex. This must be mentioned first because it’s a HUGE reason why women, and men, experience either no orgasms at all, or else very lousy and weak orgasms.

Obviously this most often falls on the man. The man needs to learn to last long during sex and not experience the ever so common problem of premature ejaculation. This is a sex skill you simply have to learn if you want to give your partner incredible orgasms. And if you are suffering from premature ejaculation then your own orgasm is WEAK. Quick ejaculation orgasms are simply not as strong as those which take longer to achieve.

In order to last long during sex you have to learn some physical exercises and some mental breathing techniques to calm the mind and not get it overexcited (which is notorious for leading to quick ejaculations). Practice squeezing the small muscle between the anus and testicles which you can feel when you urinate and top mid stream. Flexing it will make it stronger and allow you to last. It takes some weeks to get used to but it is definitely worth it for both you and your partner.

Now if you are a woman, your job is to encourage your guy to learn to last. Give him the exercises and help him practice them so you can have the long lasting sex that you and he deserves.

2. Oral Sex Mastery. This is the second best sex skill you need to master because oral sex is unbelievably so darn pleasurable! Let’s be honest, oral sex feels amazing. It is oftentimes much more incredible than regular sex. For this reason alone you need to master this skill big time.

If you are woman you can easily learn some incredible techniques for giving ridiculous mind blowing orgasms to guys. The type where they look down in utter disbelief at the pleasure you are giving them.

If you are a guy it gets a little trickier. Honestly, most guys are clueless about “going down there”. There’s definitely certain techniques and rhythms to learn and major tips that work wonders for unbelievable orgasms. These are the type of orgasms that the woman remembers for years to come. You may split up with a woman, and then see them a few years later, and that initial look they will give you will automatically convey memories and images of those amazing nights of oral pleasure that you gave her. That’s how powerful good oral sex can be.

Some oral tips to get started with are to take things slow at first. Don’t rush down there and slobber away. Go slow and gradually pick up your pace developing a steady rhythm. Listen to her! If she is responding well then keep at what you are doing. If there’s obvious room for improvement then allow her to guide you a bit to where it feels best. Eventually you will want to learn the oral sex skills where you won’t need to be guided but you will provide ways to pleasure her that she never even knew about.

3. Hot Sex Positions. We talked about the missionary being lame. That’s because there are so many other positions to choose from and experiment with that are much “hotter” and more erotic than the typical missionary.

The key to awesome sex is variety. And variety will come in the form of switching up your sex positions. As an example, a small sampling of your standard rotation of sex positions can be the following: Have her on top, go from behind, insert from the side, straddle each other in the sitting position. There are many variations to sex and they are all incredibly pleasurable. The key is to mix it up. Learn as many as possible and rotate them.

Don’t just learn standard sex positions either, learn oral sex positions such as the 69 where you are both performing oral on one another at the same time.



Source by Chess McDoogle

The Superiority of Alligator vs Crocodile Leather

Many products today are made from alligator or crocodile leather, from purses and shoes to custom leather dog collars. When trying to determine whether alligator or crocodile leather is more superior leather or more luxurious, there are many factors to consider before making a final determination.

Generally, alligator leather is viewed as the nicer and more luxurious leather, with more symmetrical scale patterns and a softer hide. Alligator has a smoother and more “three-dimensional” feel than crocodile skin, and alligator hides typically command the highest prices. It is one of the most highly sought raw materials by the manufacturers of luxury items.

Although extremely rare, a very few number of crocodile skins can compare with the quality of alligator hide. These would include “Nile crocodile” and Australian saltwater crocodile. When processed and tanned correctly, these very rare and expensive crocodile skins can meet or exceed the luxuriant nature of alligator skin.

Species of Reptiles

There really is only one species of alligator, known as the American Alligator. In contrast, there are over a dozen species of crocodiles from all over the world. The most common is the Brown Caiman, which is found in Central and South America. Generally, caiman skin is drier and stiffer than alligator skin, and significantly less durable. Unfortunately, many items made from caiman skins are deceptively labeled as alligator products.

Most species of crocodile are endangered and therefore illegal to hunt and harvest for commercial use, or at the very least their use is restricted by the Convention on International Trade in Endangered Species (CITES).

When examined closely, crocodile or caiman skin will have small pits in the scales. These pits do not exist at all in genuine alligator products.

A Comparison of the Leathers

At first glance, it can be very difficult to tell crocodile from alligator leather. They are similar in a number of ways, and both will provide many years of useful service. However, the value and quality of the leather can vary greatly depending upon the tanning process used and the body section of the donor animal from which the leather is taken. The most important considerations tend to be softness, scale pattern, and finish.

For the most part, alligator skin is of a far greater quality, with more symmetrical scale patterns, softer skin, and a smoother feel than crocodile skin.

Most mislabeling occurs with the Brown Caiman, whose skins tend to be thinner, dryer, stiffer, and less durable due to less sophisticated tanning processes. For most products, the skin from the belly and throat areas is used because it provides the most symmetrical scale patterns, which are rectangular in shape. Skin taken from the sides of an animal will have scale patterns that are more rounded in shape, and the hide can still be of a high quality. The least desirable part of the animal is the tail, which comprises approximately 50% of the animal’s length. Skin from this area is stiffer with scales more widely spaced, and it is usually heavily scarred.

Size Matters

The size of a skin can help distinguish genuine alligator from a caiman or croc. Alligator skins are generally six to 12 feet long, while caiman and most croc skins are only three to five feet long. With smaller donor animals, the transition of scale patterns is evident even in small items such as a wallet or purse.

Scale patterns tend to correlate to the size of the animal. Therefore, hide from a full grown alligator may have scales that are over one inch square and tend to be more symmetrical.

Alligators Retain Superiority

In general, alligator skins are going to be softer, more supple, more durable, and provide a more uniform scale pattern than crocodile or caiman skins. Additionally, alligator is not an endangered or threatened species, so products manufactured from genuine American alligator are maintaining an environmentally friendly status as well.



Source by William Levin