5 Savvy Ways To Invest $10,000 In 2018

ways to invest

What would you do if you suddenly had $10,000 in cash at your disposal? Would you splurge for a trip to some far-flung corner of the world? Trade up for a nicer vehicle? Buy new furniture and a hot tub for your backyard deck?

Those ideas might be the first that come to mind, but they may not be ones you will feel proud of ten or twenty years from now. Unless you have high interest debt you could pay off, your best bet with any “found money” is always going to be investing it for the long haul.

Why? Because when you invest cash instead of spending on depreciating assets, you set yourself up to have more financial freedom and better outcomes later on.

5 Smart Ways to Invest 10K

But, how should you invest $10,000? While there are plenty of smart ways to invest your money, the right option for you depends on your appetite for risk, your investing strategy, and your long-term goals. Of course, your best option might also depend on your unique needs and what you require to move to the next stages of your business or your personal development.

If you have found money this year, here are five ways to invest that could truly pay off down the line:

Online Real Estate Investing

Investing in real estate is all the rage these days, but that doesn’t mean everyone wants to be a landlord. The mere thought of dealing with tenants or painting interiors is enough to send some running for the hills, let alone the concept of having to deal with late night calls or costly repairs.

That’s why investing in Fundrise is such a smart idea. Fundrise.com is an investing platform that lets you invest in private real estate assets without dealing with the minutiae that comes with owning traditional rental real estate.

You only need a $500 minimum to get started with Fundrise, which makes it an ideal option if you have $10,000 to play with. Once you open an account, you can invest in major metro markets like Los Angeles, Washington D.C., and Jacksonville, Florida. Not only do they offer plans that support supplemental income, but they offer plans good for balanced investing and long-term growth.

While Fundrise has only been around since 2010, the company has performed well with returns ranging from 8.76% to 12.42% over the last four years, net of fees. These returns really speak for themselves, which is why Fundrise continues to grow in popularity among investors.

Another option within the online real estate investing is RealtyShares. Realty Shares has been featured in the Wall Street Journal, Bloomberg, and Forbes, and is already being used by 120,000 investors nationwide.

In a recent interview with Forbes, RealtyShares CEO Nav Athwal credits the company’s success to their ability to help accredited investors invest into real estate opportunities nationwide without a huge initial investment. Not only can investors browse opportunities by asset type, but they can buy in for as little as $5,000.

Plus, your investment with RealtyShares is easy to track. “Investors also have access to an investor dashboard where they can monitor their investments, returns and tax documents,” notes Athwal. “Thus, through crowdfunding, we’re making investing in real estate as easy as easy as investing in stocks in publicly traded companies.”

Real estate crowdfunding makes it possible to invest in real estate without ever stepping foot in a property and without borrowing hundreds of thousands of dollars. These reasons and others are why online firms like RealtyShares and Fundrise are so popular, and why they could continue growing in the future.

This article was written by Jeff Rose and published on Forbes.com. You can read the full article HERE.

4 Best Investments To Make In 2018

It’s the dawning of a new year and you finally have some money to invest. Perhaps you just got a raise. Or, maybe an end-of-year bonus is burning a hole in your pocket. Either way, you need to be smart about investing if you want those extra dollars to count.

The problem is, you have no clue where to invest your cash. While you’re aware of the myriad investing options available, the sheer number of possibilities is overwhelming.

In the investing world, this is called “paralysis by analysis.” You spend so much time analyzing your options that you wind up putting it off and never investing at all. And eventually, the extra cash you set aside gets consumed by bills or unexpected expenses. In other words, life happens.

4 Investments You Should Absolutely Make in 2018

If you want to make sure your extra cash doesn’t disappear, you need to invest it right away. A certain amount of analysis is fine if it helps you find the right investment options for your goals, but you still need to act fast.

With that in mind, I wanted to share what I believe are the four best ways to invest your excess funds in 2018.

#1: The Stock Market

While “invest in the stock market” is some of the most basic advice you’ll ever read, please hear me out on this one. While everyone knows that investing in the stock market has historically paid off, there are far too many people who don’t trust the financial markets and choose to sit on the sidelines altogether.

Then there are people who think the stock market is so overvalued right now that they would be crazy to jump in. But, here’s the thing: Nobody is telling you to pour every extra cent you have into stocks. Instead, I’m suggesting you invest small sums of money over time using a method called “dollar cost averaging.”

Dollar cost averaging requires us to trickle our money into investments over any length of time. It could be 12 months. It would be 18 months. Heck, it could be five years.

Colorado financial advisor David Henderson of Jenkins Wealth goes further to explain how dollar cost averaging works: “When the market is high, you buy fewer shares and when the market is low you buy more shares,” he says. This means that, over time, you will have a lower average share price using this method. Obviously, it’s easy to see why this would be beneficial.

Now that we’ve talked about the importance of investing in the stock market, let’s talk about exactly where to invest your money. What are the best tools and vehicles we can use?

This is yet another situation where the options are overwhelming. Still, I typically suggest people get their feet wet with mutual funds or ETFs.

If you have a financial advisor working on your behalf, they may be able to weed out the well-performing actively managed mutual funds from the ones that aren’t doing so great. Otherwise, you can invest in index funds, which are not actively managed but have a long history of solid returns.

If you have a brokerage account already, then you may want to stick with it. Otherwise, you’ll need to find a new place to help you invest your funds. One company I always suggest is Betterment. With Betterment, your money can be invested in ETFs and they don’t charge a fee for managing these for you. Plus, they actually pick the ETFs you invest in based on your appetite for risk, investing goals, and other factors.

What does that mean? That means that you can invest your hard-earned money, then sit back and enjoy the returns and let them do the hard work.

If you want to have more control on your investments, online brokerage firms like Ally Financial, TD Ameritrade and E-Trade make it easy to stay in charge with low fees and easy-to-use platforms.  Plus, there are a multitude of other “robo-advisors” to choose from.

As a final note, there’s one more simple way to invest in the stock market with even less effort – boosting how much you contribute to your work-sponsored retirement account. Arizona financial planner Charles C. Scott says this may be your best option yet – especially if you’re not contributing enough to get a match from your employer.

“Every dollar you contribute could get a dollar match,” says Scott. “That’s a 100% return on your investment.”

If you’re not making the most of your 401(k) or contributing enough to get a match, then you’re probably best starting there.

#2: Peer-to-Peer Lending

A second place to stash some of your excess cash this year is in peer-to-peer lending platforms like Lending Club and Prosper. With these companies, you’re able to loan money to individuals in small increments as if you were the bank. The best part is, you get to earn a pretty decent rate of return – usually upward of 6% or more.

As an investor in peer-to-peer lending, you’re investing in other people and their goals. It’s comforting knowing you aren’t lending people you don’t know large sums of money. Instead, the money you invest is split up into increments as small as $25 over hundreds or even thousands of loans.

While it may seem strange to hear a financial advisor suggest people invest in peer-to-peer lending, I’m not the only one who sees the value in these platforms. Kansas City Financial Advisor Clint Haynes told me he supports peer-to-peer lending as an alternative to the stock market for a few reasons. First, these companies make it easy to sign up and get started. Second, your rate of return can range from 5 – 7 percent for safer loans and even more for riskier loans. Last but not least, you can typically open a new account with as little as $1,000.

#3: Real Estate

In addition to the stock market and peer-to-peer lending websites, a third investment strategy to consider this year is real estate. The thing is, I’m not suggesting everyone run out and buy an investment property. After all, not everyone is cut out to be a landlord.

I’m certainly not. I tried investing in physical real estate seven years ago and almost lost my shirt. I learned a lot of lessons from my foray into becoming a landlord, the biggest of which was that I don’t need that kind of stress in my life.

Fortunately, there are plenty of ways to invest in real estate without dealing with a physical property. One option to consider is investing in real estate notes. I got started investing into real estate notes because a really good friend of mine was crushing it with real estate and offering his friends the chance to invest.

He would buy a pool of real estate properties, and then investors like myself would invest money into his project. From there, he would manage the properties and pay me a dividend or interest off that money. For me, this has been an attractive way to invest money without having to be a landlord or deal with tenants.

Obviously, there is a ton of risk in a situation like this. You have to have a lot of trust to invest in real estate notes offered by an individual.

The good news is, there are other ways to invest in real estate outside of real estate notes. One option I’m really excited about is a company called Fundrise. Fundrise offers an investing scenario similar to the one above. They buy commercial properties and allow investors to invest small sums of money. Obviously, this is yet another hands-off investment. You may own part of a commercial real estate project, but you don’t even see or deal with the property itself.

Like Lending Club, Fundrise requires an upfront sum of around $1,000 to get started. Once you invest, however, Fundrise mostly lets you “set it and forget it.” Even better, you may receive a pretty hefty rate of return through this platform. On the company website, Fundrise claims its returns have averaged between 8.76% up to 12.42% over the last five years. Not too shabby.

Obviously, there is risk investing in a platform like this one, too. First off, the company is newer so it doesn’t have decades of data to share. Second, you’re letting a third party choose buildings and investments on your behalf, which means you’ve given up all control.

Regardless, I think it’s pretty cool that technology has allowed investors to get access to commercial properties in a way we haven’t been able to in the past.


You can read the full article when you follow this link to Forbes- https://www.forbes.com/sites/jrose/2018/01/05/best-investments-to-make/#20fe8734b72b.


How to Invest Your Business’s First Profits

business's first profits

You may have been in family owned business recently, noting that they framed their business’s first profits on the wall.

That’s not unusual.

It’s a great way to remember the first day, month, week, and year of business. It’s a great memory for an entrepreneur.

The bigger question is how do you invest your business’s first profits? What can you do to ensure that your business keeps making money?

Even if you haven’t considered this before, it’s time for you to rethink how you’ll handle the money you bring in from your efforts.

This article is going to share with you how you can grow your business and invest your business’s first profits for a better future.

Learn Strategies to Invest Your Business’s First Profits

What should you do when your company starts earning it’s first fruits?

The key is to figure out how to best allocate your funds. The first place you should consider investing in, is any improvement your business can make.

How can you improve your business brand? What about your business’s service offerings?

  1. Draw up a strategic plan. Before you make any future moves, draw up a strategic plan and then follow it. If you don’t have a strategy drawn up you’ll have no roadmap. Have a sound strategy in place, and then you’ll know where those first dollars go. This could mean infrastructure, customer experience etc.
  2. Marketing campaign. What is your first step to an effective marketing campaign? It’s creating one, and then implementing it. Digital marketing is your best bet, and it takes some tools to do so. When you run a campaign, keep track of it. Tools like Mailchimp, Active Campaign, and even Infusion Soft are all different tools used for tracking of open rates of emails, conversion rates and more. Building a sound marketing campaign is the key to determining where to allocate your future marketing dollars. Digital marketing is the best place to invest your business’s first profits.
  3. Need more team members? Be careful who you outsource to. Make sure that these individuals are aligned with your goals and vision for your business. If you build a solid and dedicated workforce, you’ll have no problem bringing your business into alignment with your goals for your future. If you need to add more team members, you’ll be able to grow your business beyond your wildest dreams and serve your customers in a way that says, “Wow”!
  4. Invest in you! As an entrepreneur you’ll face some unique challenges from day one. Your friends and family may not always understand where you’re coming from, and that’s okay. If you can improve yourself, add more skills to your arsenal, and you can build your mental toughness, you’ll be more than halfway to success! Attend conferences when possible and invest in coaching for you personally. It all matters. Being strong mentally is such as valuable to you as being strong physically. It’s another great way to invest your business’s first profits.
  5. Allocate money to a cash buffer. Cash is king, there’s no doubt about it. However, you should know that cash is essential for daily operations too. Don’t spend money on tools you don’t need, and don’t expand your team until you really need to. If you aren’t sure how to do this in a way that won’t dry up your cashflow seek financial counseling from a trusted accountant or other financial expert. You need to know how to best use your funds while saving for a rainy day. Even for your business.

An online business will save you time and money, and it can still be just as rewarding as anything else you are doing.

You can still connect with people, and you’ll be able to connect with more of them as a result.

Using your funds wisely and learning how to create a cash buffer as well as how to allocate funds will help you be very best captain of your ship possible.

Once you prepare by seeking out some sound counseling on how to invest your “business’s first profits,” you’ll be on the path to success.

Calling it a Dip-This Week in Cryptocurrency

This Week in Cryptocurrency – February 9th, 2018

The Grass is Always Greener on the Other Side of a Dip

Calling it a dip doesn’t really do it justice.  Even calling what we’ve experienced over the last month a correction seems to be in bad humor. How else do we justify crypto’s overall market cap going from $834bln at its peak in January to $282bln at its lowest point?  By holding on with iron hands, that’s how.

Now, we don’t know if it’s over yet, no matter how much we’re praying for the worst to be behind us. That said, the market is looking healthier than it has in a hot minute, and a top 10 smiling with green is something to be thankful for.

Bitcoin: Bitcoin has seen better days, that’s for sure, but all things considered, it’s doing pretty well.  Well, technically it’s still down 2% from this time last week.  But I think we can all agree that $8,400 is a lot better than the $6,000 rock bottom Bitcoin hit earlier in the week during the sell-off.

Ethereum: It looks like the marketcap’s runner up is in the exact same boat as Bitcoin.  Ethereum is also down 2% from its starting point last Friday, currently sitting with a price of $854.

Ripple: Ripple breaks the mold Bitcoin/Ethereum set, though, as it is currently up 6% from this time last week.  This is largely the result of some upwards price action last night that puled it up to $0.90.


Honorable Mentions: No honorable mentions this week, as no coin has done much worth mentioning (except E-coin, which is reloading for its second pump-n-dump of the week, up 1,855% in 24/hrs).  No, we don’t have any legit honorable mentions, but rather, an honorable coincidence.  As u/steelflight84 pointed out on r/cryptocurrency earlier this week, Bitcoin, Ethereum, and Ripple followed closely at each other’s heels during this week’s downwards race.  So closely, in fact, that their prices mirrored each other by powers of 10.

Domestic News:

Forbes Gives Enthusiasts the Chance to Stalk Their Favorite Crypto Fat Cats: So stalk might be a strong word.  Regardless, Forbes has released the first ever “Richest People in Cryptocurrency,” the digital economy equivalent of of the “World’s Billionaire List.”  Topping the list include such figures as Ripple’s former CEO Chris Larsen and Binance founder Changpeng Zhao.


SEC/CFTC Senate Testimony Gives Crypto Hope (and a New Mascot): Jay Clayton and Chris Giancarlo made the case for regulating cryptocurrencies before the Senate on Tuesday.  The meeting ended on a positive note, as legislators seemed open to the courses of action both the SEC/CFTC heads suggested.  This gave investors and enthusiasts alike a glint of optimism for the future of the space in a time when the market’s crash was leaving many in despair.  Giancarlo, who even told senators about the wonders of HODLing, left the meeting looking somewhat like a mascot for the crypto-sphere, and community members thanked him for his cheerleading by increasing his Twitter followers from 5k to 28.5k in under 48 hours.

Bittrex Turns Up the Heat on Coinbase, Looks to Add USD Deposits: First Robinhood announced that it would open cryptocurrency trading, and now Bittrex has announced that it will integrate USD deposits, while also opening up new accounts to welcome fresh users.  Should Coinbase be worried?  Like Bitcoin, it has first mover advantage, but it’s starting to see some competition enter the fiat-to-crypto marketplace.

Once Again, Goldman Sachs Says Most Coins Will Soon Be Worthless: Head of Global Investment Research Steve Strongin isn’t saying all coins won’t make it in the long run, but he is saying that most digital assets in their current form are worthless. In a “few-winners-take-most” market, blockchain technology will survive while  “the currencies that don’t survive will most likely trade to zero.”


Credit Cards Companies Try to Fight the Rise of Crypto with Purchase Bans: Big banks like Bank of America and J.P. Morgan are starting to block purchases from known cryptocurrency exchanges like Coinbase. While the J.P. Morgan’s spokesperson Mary Jane Rogers says that the risk associated with cryptocurrencies is too high right now, it makes us wonder if the ban is an attempt to combat the success and rise of its competition.

You Can Now Buy GPU’s For Crypto Mining on Amazon: If you were wondering where to purchase your first mining rig, look no further…Amazon is now offering miners the ability to score their very own GPU through third-party vendor sales. If you’re looking for a bargain, you can even buy a 6-pack of cold-hard GPU’s (that is, until they overheat). Prices for these tools have skyrocketed in the past three months, moving from the low $200s to nearly triple this price.

Ohio Teen Becomes Millionaire After Purchasing Crypto With Entire Life Savings“I thought: ‘Wow, I just made a 10% return in a day. That’s crazy,’” said 18-year-old Eddy Zillan in an interview with Business Insider. Zillan started purchasing crypto at the young age of 15, 3 years beneath the required age to open a Coinbase account. But that didnt stop this opportune crpyto kid from joining in on the action, who now charges up to $250 an hour for his advising services.

California Crypto Enthusiasts Find New-Found Freedom in Puerto Rico: Living in a building they named “Sol”, a bunch of Californians moved to the Caribbean island not for its beauty, but to avoid capital gains taxes and federal taxes. Their goal is to establish a “cryptotopia” in the heart of the territory’s capital, San Juan, and they’re even saying that the government is allowing them to set up a cryptocurrency bank. Founder of Halsey Minor says while the hurricanes that wrecked Puerto Rico were awful, the low property costs and companies moving their headquarters to Puerto Rico is a “godsend” in the long-term.

What’s New at CoinCentral?

Behind the Scenes of Cryptocurrency Exchanges: Ever wanted to know more about of the secrets and strategies utilized by the world’s leading exchanges? Here, we highlight some of the insights gained at the 2018 Blockchain Connect Conference in San Francisco.

Off to the Races: The competition for the most popular decentralized exchange is underway, and we’ve compiled a list of the more popular DEXs out there so you can take your pick of the litter.

KuCoin Exchange Review: How does the KuCoin trading platform stack up against competitors? We’ll tell you.

NEO’s New Vision: The Moonshot: NEO DevCon brought together blockchain enthusiasts, developers, investors, and entrepreneurs from all around the world into an intimate environment teaming with information and enthusiasm. Come join us in learning more about what the NEO team envisions and where its going in the future.

What is Status (SNT)?: Want to know more about this mobile client reimagining the social network? Search no further.

What is Zilliqa?: This guide takes an in-depth look at a blockchain with a high-scalability solution.

What is MaidSafeCoin?: While the SAFE network is still in its infancy, its clear the many possible benefits that can occur through the project’s mission. Learn more about this game changing technology in this article.

Cryptocurrency Industry Spotlight: Tim Draper: A long-time advocate of Bitcoin and blockchain technology, Draper has attracted significant attention to himself and his activity in the cryptocurrency world. Find out more about this venture capitalist and prominent figure in the blockchain world in this industry spotlight. Draper University also launched a Blockchain Intensive course tailored around Draper’s and his network’s insights.

Growing the Blockchain Community was a Big Topic at NEO DevCon: In this article, we take a look at some of the biggest themes coming out of NEO’s DevCon in terms of growing the blockchain community.

You can find the original publication when you follow this link-https://coincentral.com/week-cryptocurrency-february-9th-2018/.

Crypto News on Peter Saddington

Crypto News Update – Feb 8, 2018

Crypto-millionaire Buys $115 Lamborghini

A 35-year-old coder named Peter Saddington used Bitcoin’s full potential after purchasing a 2015 Lamborghini Huracan worth $200,000. Interestingly, he paid 45 Bitcoins to get the luxury sports car.

BTC is equivalent to $8,200 at the moment of writing. But Saddington’s 45 Bitcoins cost him only $115 when he bought them in 2011. He adds that he has been buying Bitcoins every Friday over the last five years, making him a full-fledged “Hodler,” the community’s term for long-term crypto holders.

Forbes Releases List of Top Cryptocurrency Billionaires

Forbes is best known for its list of top billionaires. But it recently created an entirely new roster featuring the richest people in the world of cryptocurrency. Two of the most popular people on the list are the Winklevoss twins, who are currently worth around $1 billion.

There’s also Vitalik Buterin, the creator of Ethereum, who is valued at around $450 million, and Coinbase founder Brian Armstrong who has an estimated value of $1 billion. The list includes 19 people who have over $350 million of estimated net worth.

An interesting thing about this list is its average age of 42, which is a far cry from the 67-year-old average age of Forbes 400 wealthiest Americans. Perhaps the crypto world is for the young generation, eh?

Bitcoin Value Will Increase 40x, Says Winklevoss

Gemini Exchange co-founder Cameron Winklevoss is confident that Bitcoin’s value will increase by 30 to 40 times. This is after the cryptocurrency’s price swiftly recovered from the slump it had over the past weeks.

Winklevoss believes that Bitcoin is more valuable than gold because its supply amount is fixed, unlike the latter which has an unknown supply. He adds that Bitcoin is also more durable and portable, making it the ideal currency of the in the near future.

Bitcoin’s ‘Rainbow After the Storm’ Evident

Investors thought that Bitcoin’s “bubble” was already bursting — until yesterday.  The cryptocurrency’s value plunged to its lowest point over the last three months as it sat around the $6,000-mark on Feb. 6.

Surprisingly, the trend swiftly changed and it rose to $8,400 within just 24 hours. At the moment of writing, 1 BTC is equivalent to $8,200, which is 25% higher than yesterday.

However, Bitcoin and other cryptocurrencies are very volatile, making them a somewhat unstable form of investment. Nonetheless, optimists don’t seem to mind as more people are starting to buy into the “hype” once again.

Steve Wozniack’s Bitcoins Sold, Says He Doesn’t Want to Worry

Apple co-founder Steve Wozniak has just sold all of his Bitcoins in hopes of getting rid of the “stressful matter.” Wozniak started investing in Bitcoin when it hovered around the $700-mark.

But he decided to let go of his experimental investment due to the volatility. He even finds it to be too worrisome — so he got rid of it. Despite that, there’s no doubt that he made a small fortune in exchange for his worry.

Follow us on Facebook


Jomar Teves

A content writer by day, a tech enthusiast by night. After 4 years in business school & working for multinational clients, Jomar believes he can improve the world through his writings.

Cryptocurrency News and Market Overview-Ouch!

From time to time, I like to talk about investments and finance. Here is a bit of cryptocurrency news and some of the market overview as published on www.medium.com.

Cryptocurrency News — February 7, 2018

Welcome to the first weekly installment of Cryptocurrency News. Each week, we’ll gather interesting updates and trends from the cryptocurrency market to keep you in the loop.

What caught our attention last week? Calls for government regulation, government applications of crypto, and methods of protecting the public from risky or deceptive ICOs.

Market Overview

  • U.S. Treasury Secretary Steven Mnuchin has called for cryptocurrency regulation to be a topic of discussion at this year’s G20 summit, adding further weight to the growing pressure on governments to begin plans to regulate cryptocurrency.
  • Samsung has confirmed that it is now making cryptocurrency mining chips, further demonstrating the migration of blockchain technology to mainstream industries.
  • An Illinois government taskforce is exploring how it might apply blockchain technology to the state’s government operations, particularly concentrating on blockchain applications in terms of verifiable identity.
  • Facebook has banned ads for bitcoin and ICOs, citing a will to preserve Facebook user’s ability to view ads without fear of deception, and claiming that many cryptocurrency ads are from companies who are “not currently operating in good faith.”
  • Hong Kong authorities have announced a campaign to educate the publicabout the risks of ICOs and cryptocurrency investments.

How Rising Healthcare Cost is Killing Americans

Rising healthcare cost is killing Americans. The main word involved in conversations about healthcare is “stress”. While Obamacare promised to reduce the cost of healthcare, it seems that it’s just continued to go up.

Inflation is actually slower than the cost of healthcare. That’s a fact.

Think about when the demand for something is there. The price goes up when supply is short, right? The same applies when you are talking about healthcare.

There are several considerations to make when you are talking about the cost of healthcare, and those considerations are critical points of interest.

Today, I’m going to tell you what those considerations are and what you need to know about your health insurance as you choose an employer and a healthcare policy.

Rising Healthcare Cost is Killing Americans

What do you think of when you hear “cost of healthcare”?

You might say, President Obama, but you might also say “stress!” I get it. I’m a veteran, and I have folks asking me if I am getting the care I was promised amid the scandal with Veterans Affairs last year.

There are always problems in an imperfect world…..BUT…..

Keep in mind that healthcare is never the same for any two people. Insurance companies aren’t entirely happy, and most of all patients are unhappy too.

Here are some facts I’ve found.

  1. Journal of the American Medical Association. Rising costs of healthcare are due to increase in the price of medications, medical devices and hospital care. This started in 2013, and as a result is has continued to increase.
  2. Medical device tax. When this was implemented, it meant that more folks would have to come up with more money out of pocket. This applies mostly to the elderly folks, but not everyone that needs a medical device is elderly.
  3. Insurance isn’t innovative. Think about the fact that insurance meets very basic needs for most people. This means low co-pays in most cases, preventative care, and the payout of a certain percentage. Again, this isn’t true for everyone, but there is no room for innovation when it comes to the insurance. Just the medicine. That’s it.
  4. Premiums increase but income does not. Most companies no longer offer merit raises, and they often put limitations on vacation time and how employees can use it. It makes no sense that healthcare continues to get more expensive, but yet the employee can no longer afford it. Does that make sense? Not really.

Healthcare is still a mystery to many, and as a veteran I don’t know the ins and outs of how these policies work.

I get coverage, and although the system I am a part of isn’t perfect, right now I don’t have to pay for my care. Who knows, maybe that will change too.

Until we know what is next, don’t focus on the negative. Continue to focus on what you can do, and how you can take care of your family one day at a time.

There isn’t anything that will change it for you in the next ten minutes, so give yourself a break. Rising healthcare cost is killing Americans, and hopefully new leadership can bring us good news.

Leave a Comment

This is what I have been using to help with healthcare cost. SOme things you have to do for yourself and family.  Check it out below.



Empowering Others


Make Today Count


How Business Has Changed in the Last 10 Years

How Business has changed in the last 10 years, and the changes were for the better. You’ll still find some folks that will disagree, but keep in mind that progress is what Americans have always been striving for.

There are tons of considerations to be made, most of which refer to digital marketing. Newspaper no longer exists, and social media is engaging people around the world to discuss the issues of the day.

What’s even more important is that content creation and content marketing are the linchpin of all businesses.

Content still drives the traffic to your website, and there is much to be said for various types of content marketing. What’s even more important? How frequently your content is shared and where it is shared.

Today, I’ll share with you how business has changed in the last 10 years, and whether or not you should consider another avenue for your business.

Understanding How Business Changed in the Last 10 Years

Business is always changing, but the biggest changes have happened over the last 10 years. Most of these changes have ousted newspaper, and increased the usage of internet.

This means that this has even changed how we use the internet.

Because businesses are now doing most of their daily operations with the help of the internet and e-commerce, most companies have been able to cut their costs dramatically.

This also means that jobs have been cut, but this also means that the drive for people to become entrepreneurs is greater.

Some of the most successful entrepreneurs have launched their business ideas online without hesitation. This means that they have:

  1. Started a basic website. Whether it was a free site from WordPress or even using WYSIWYG, most folks didn’t start out with the nicest website on the planet. It’s okay to start small. The Bible says not to despise small beginnings, and that’s the truth! Mark Cuban was flat broke when he developed his software. He started small, but look where he is today?
  2. Started a blog. Did you know that a blog is one of the best ways to drive traffic to your website? This isn’t just for being silly or talking about what you did on Saturday night. A blog has become the hub of the wheel for most companies. Blogs are now used to share valuable information with a company’s target audience, and it’s designed to drive traffic to their website thus increasing sales and revenue. That’s the best part right?
  3. Used social media as a way to engage their audience. Did you know that businesses that use a real social media strategy are the most successful? A business cannot grow without a customer base. This means that social media is essential for starting a conversation, and getting customers on board by building a relationship.

There are so many things that you can utilize online to help you build your business, but make sure that you start basic. Build your business over time, and you’ll be better off financially as you can put money back into your business for marketing.

Understanding how business has changed in the last 10 years is essential to understanding what it now takes to build a business that is successful!

What are your thoughts?


Empowering Others




Make Today Count



Top Network Marketing Companies You Need to Know About

If you’ve been looking for a home business opportunity, you’ve probably been researching for more information on the top network marketing companies.

I’m sure you found this blog post as the result of your feverish search for more information about MLM companies (also referred to as network marketing).

When you use Google to search for the top companies, you’ll get queries that give you everything from the top 25 companies to the top 100 companies in existence as of 2015.

What is the magic formula to determine what makes these top companies? It’s not so much a formula as it is a list of overall reasons, ranging from time in business to sales volume and more.

Keep reading this blog post all the way to the end so that you can see who’s who in network marketing this year.

Factors That Determine the Top Network Marketing Companies

There is no such thing as a popularity contest when it comes to network marketing. It has everything to do with effort put forth as well as getting results.

You can’t always follow the length of time listed in the Direct Selling Association, DSA. Here are some things you want to look for when researching the top network marketing companies.

  1. Company must state that they are a network marketing company. This shouldn’t be a mystery, but some companies at the start are vague about their purpose. A company MUST describe themselves as a network marketing company.
  2. Length of time in the business. All network marketing companies must have 10 years in the industry. This is HUGE! This rule was established in December of 2012.
  3. Google page rank is a must. This might seem silly, but a true network marketing company must have a Google page rank, and it must rank between 1 and 10.
  4. Alexa rank is also a must. Did you know that Alexa ratings are just as important as Google page rank? When you’re looking at Alexa ranking, keep in mind that the number should be smaller here.
  5. Google trends are a MUST! Did you know that Google Trends show that the company is being researched? This doesn’t necessarily mean that the company itself is being researched, but that the products or services the company offer are being researched over the course of the last 12 months.

Now that you know the factors that play a part in this, what are the top companies in network marketing?

5 Top Network Marketing Companies

There is a list out there of the top 25 but I figured I would give you the top 5, and from there you can research this further as you have time.

  1. They have been around for 53 years, and they have an Alexa rating of 8,556. While the Google page rank sits at a 6, keep in mind that new companies get more attention.
  2. This company is a wellness company, and they have been around for 27 years. With a page rank of 5, and an Alexa rating of almost 11,000, this company gets a lot of press. More and more folks are searching for information on wellness, and Melaleuca offers high grade products.
  3. This company has been around for 20 years, and they too offer wellness products. With a page rank of 6 in Google and an Alexa rating of over 12,000, USANA is still getting plenty of visitors to their website.
  4. Nu Skin. Healthy skin is in as Nu Skin ranks as one of the top network marketing companies. A lot of this may have to do with what many refer to as reasonably priced products from the standpoint of retail, but they have been around for 28 years, and they have a page rank in Google of 6.
  5. Last but not least, Isagenix has been around 10 years, and they have a page rank of 3 in Google. This is great news, and they have an Alexa rating of just over 15,500. This isn’t too shabby for a newer company that is up against the others with more than 20 years in existence.

There isn’t any guesswork to the top 5, but you’ll see that generally the companies that offer health and nutrition products are going to get a lot of press and high online searches.

What are your thoughts?

Before you join a company, always put forth your effort and make sure that you are considering only those that made the list of “top network marketing companies”.

Share your thoughts


Empowering Others

This is what I am doing check it below.



Make Today Count