Educating Nancy

Educating Nancy

Recently our soon to be former Speaker of the House made the following statement:

“Giving $700 billion to the wealthiest people in America does add $700 billion dollars to the deficit. And the record and history shows and does not create jobs.” Putting aside for the moment that most third graders have better English skills, let’s examine this absolutely ridiculous statement. Mrs. Pelosi wants us to believe that extending the current tax rates for all Americans is GIVING them money. Since you can’t give something that isn’t yours, she is in effect making the case that the money belongs to the government in the first place.

I would like to take this opportunity to enlighten and educate Nancy Pelosi on this matter. I will use short words and easy analogies in the hope that she can grasp the concepts presented. The first thing that needs to be understood is that if I earn $100.00 it is MY $100.00, not yours Nancy. You didn’t drag yourself out of bed at 4:00 A.M. and earn it. I did. It is mine not yours. If my tax rates go down, you are not giving me anything, you are simply taking less of my hard earned money.

Now, let’s go on to our next lesson. The deficit. A deficit is the difference between what you take in and what you spend. Deficits are caused by OVER-SPENDING not under-taxing. To illustrate, let us assume that you owe $10,000 on your mortgage, $5,000 on your car and $1,000 on your credit card. Remember we are using small round numbers to keep this simple. It’s hard to think in trillions! These numbers add up to a total of $16,000. We will call this $16,000 your deficit. It is money that you owe. Now let’s assume that your salary is tax money being taken in. This should be simple for you to understand since your salary IS tax money being taken in. Now let’s further assume that your constituents suddenly buy a clue and vote you out of office at which point your salary stops and you are no longer taking in “tax money.” Does your deficit get larger? No, it does not. You still owe the same amounts on your house, car and credit card. Now let’s assume you use your credit card to buy Botox and you spend $1,000. You will now owe $10,000 on your mortgage, $5,000 on your car and $2,000 on your credit card for a total of $17,000. Did this additional spending make your deficit get larger? Yes, it did. Your $16,000 deficit is now $17,000. See how that worked? It looks like spending causes deficits. Unless you add to them by spending, they stay the same. Simply amazing.

Now, let’s move on to the subject of class warfare. This might have worked in 1917 Russia but it doesn’t fly here in America. Most of us do not begrudge the “rich” what they have. We assume that in most cases …

How to Clean the Office’s Fridge

How to Clean the Office’s Fridge

Although you may hate cleaning the fridge, it is crucial to do it, whether it is at home or at the office. If you can’t bare the idea, talk to your commercial cleaning service and arrange that they clean your office’s fridge at least once a month, because a clean fridge maintains food fresh and safe for a longer period of time, and it becomes more energy efficient, saving you money.

Even if you are going to delegate the work, you should know how a fridge should be cleaned, because later you will have to check that the job was well done, thus, here we show you how to clean the office’s fridge properly:

-First, get what you need: 1) a basin with mild soap water, 2) a basin with mild bleach water, 3) sponges or pieces of cloth, and 4) Ziploc bags or other see-through storage containers.

-Unplug the fridge before you begin to clean it.

-Empty the freezer section, and take out the trays that can be removed. Wash the trays in the soapy water and later wet a piece of cloth or sponge in the bleach water and wipe every tray thoroughly. Put the trays to dry in the dish drainer or over paper towels.

-Change the soap water and with a piece of cloth or sponge, wipe the freezer’s interior. Then do the same but with the bleach water. If you have an odor problem, which is very common in offices’ fridges, mix two tablespoons of baking soda in one quart of warm water and wipe the inside of the freezer with it.

-Sort every product that was on the freezer and get rid of those that are not good anymore, if the products belong to your employees, they must be notified before throwing their food away. Ask you personnel to use see-through containers and to label them properly.

-Now, move to the rest of the fridge. Get fresh soapy and bleach waters and wash the pieces of cloth or sponges that you used to clean the freezer. Empty the fridge; take out the food as well as the racks and trays.

-Wash the trays, racks, and the inside of the fridge just as you did with the freezer. Do not forget to clean the grooves where the trays fit into, because these are areas where spills from juices and different foods collect, and remember also to clean the seals around the door.

-Sort the products that you are returning to the fridge and ask your employees to get rid of their leftovers or other items that are out of date. Clean bottles and plastic containers before replacing them in the fridge, and put an open box of baking soda inside to help control odors.

-After the interior of the fridge is impeccable, move to the exterior. Take some soapy water and clean the outside, especially the door handles; get the excess dirt off with the soapy water and then …

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Begin a web based business immediately! Create ridiculous startup merchandise utilizing a database of ideas, randomised towards numerous useful metrics. Enterprise professionals from any business can start a facet hustle that would turn right into a full-time freelance profession. After reading an article on Smallstarter about how one can find a lucrative enterprise idea , Janet has decided to turn her bead making passion into a business.

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5 Simple Tips to Keep Your Office Clean

5 Simple Tips to Keep Your Office Clean

Whether you work from home or in an office, you surely spend a lot of time in front of your desk, which means you touch and grab things with your hands (like phones, keyboards, etc). By touching them, two things happen: if your hands are not clean, they’ll get those things dirty; and if those things are dirty, but your hands are clean, your hands will get dirty. We could say that when two things make contact, the dirtiest one gets the other one dirty. A good reason to keep your workplace clean. But how?

The most important tip any office cleaning guru can give you is to be aware of the consequences of not having a clean office. To put it simply, if we don’t take care of cleaning our work environment, we’ll become ill.

So, it goes beyond de-cluttering, removing stacks of papers, and organizing bills. Let’s take it step by step:

1.It’s all about habits. It’s so easy to get lazy and let things grow untidy. If needed, put a note on your desk or in your digital calendar to remind yourself that you must take 15 minutes to clean up your desk and put everything away. As time goes by, you’ll get used to cleaning your work environment without even thinking about it while you do it.

2.Try not to eat at your desk. I know this is a hard-to-follow rule. But in order to understand why eating at your desk is so unhealthy, think of it the other way around: would you take your desk and your PC and work in the kitchen? If this example doesn’t hit home, I suggest you turn over your keyboard and shake it, to see all the dirt and food remains that fall onto your desk like beautiful snowflakes.

3.Clean your desk at least once a week. After you tidy up your papers and stuff, this is the place that needs to be cleaned first. Use a soft cloth and any spray cleaner to wipe down your computer, monitor, keyboard, speakers, telephone, lamp, pencil holders, paper stackers, and anything else. Do not spray your cleaner directly onto the objects; simply spray your cloth and wipe them clean. Make sure your computer and monitor are turned off before cleaning.

4.Waste basket. We tend to think that throwing garbage in the trash can is enough to get rid of it. But our minds are playing a trick on us, because the trash can is inside our environment. It will become a place where bacteria grow unless we clean it regularly. For this purpose, you can use a cleaning spray too, but make sure you use a different wipe than the one you used for your desk.

5.The floor. If you have carpet, vacuum regularly. Tiled and other types of hard floor should be swept and mopped at least once a week. If you have a plastic chair roller over your carpet, be sure …

How To Get Out of Student Loan Debt

If you’re like most people, you probably have student loan debt lurking in the back of your mind. The national average student loan debt is continuing to rise. Fortunately, there are plenty of ways to clear your debt and start building a secure financial future for yourself.

Make Payments on Time

Perhaps the most obvious way to get out of student loan debt is to make on-time payments each month. A large portion of student loan debt is accrued from paying late fees and interest. If you consistently pay your student loans on time, you can reduce the amount of interest that accrues on your loan. This means that more of your loan will be pure interest, so you’ll have to pay less in total over the life of your loan.

Learn How To Save

One of the best ways to get out of student loan debt is to start saving early. This is where a savings plan comes in handy. Start by taking advantage of your employer’s 401(k) or 403(b) plan. Many employers will match your contributions, which means you’ll have even more incentive to take advantage of your company’s plan. You can also open a traditional savings account and make automatic deposits from your paychecks.

Get a Lawyer

Sometimes a lawyer is a must-have when it comes to getting out of student loan debt. Student loans are notoriously complicated, and many borrowers get saddled with high-interest debt that they don’t understand. A student loan lawyer Columbia MD can help you navigate the system and understand your options. On top of this, a lawyer can help you protect your rights if a lender tries to take advantage of you.

Getting out of student loan debt can be a challenge, but it’s certainly not impossible. With the right amount of planning and diligence, you can pay off your debt and achieve financial freedom.…

Why The Big Three in Florida Will Not Work

Why “The Big Three” in Florida Will Not Work

Miami, Florida is known for many things these days. For one, it happens to be one of the most populous cities in the nation. Furthermore, Miami’s large population includes one of the largest groups of Hispanics in the country, a fact at least partially attributed to the fact that Miami is very close to Cuba and some flee from Cuba to head to Miami, but Puerto Ricans are also a group largely represented in the southern metropolis. Something that many people do not know however, is that Miami is also famed for its commercial cleaning and office cleaning. However, whenever Miami has been in the news recently it is been because of sports because the local basketball team, the Miami Heat, has recently acquired one of the best collection of players in the league through free agency. Through this process Miami has gained the services of reigning two time league MVP Lebron James and Chris Bosh, while retaining the talents of fellow superstar Dwayne Wade. While fans in Miami are ready to celebrate and party at their new collection of talents there are a few reasons why it may not work out for the team or the individuals involved.

The first reason that the incredible array of talents in the city of Miami may not work is because of all the egos now on the team. Dwayne Wade is used to being the top player on the Miami team and the face of the franchise, but now that James and Bosh are on the team things may be a little different and it may be difficult for Wade in particular, but all of them to adjust to not being the only star player on their team. With each of them probably worried about how many times per game they get to touch the ball, there may not be enough basketballs on the court for Miami next season.

Another reason that the union of the three superstars in Miami may not completely work out is that Lebron James is essentially on a quest to be called one of the best players of all time. Since he came into the league people have been saying that he could be one of the best ever and so far his stats have shown this to be true, but the glaring thing missing from his metaphorical resume is a championship. While he could quite possibly win a championship or multiple titles in Miami, Lebron’s legacy as a player will be left tainted by the fact that he really could not do it on his own and had to join two other great players to make it. The idea of Lebron figuring this fact out in the next few years and bolting for another team is a definite possibility and would make the Miami project a failure.

Lastly, Miami’s revitalization may not work for the team because due to the fact that they had to sign three …

Auto Insurance: Forced Coverage

Auto Insurance: Forced Coverage

When financing a new or used vehicle, the finance company in charge of the loan will require the purchaser to obtain comprehensive and collision coverage for the life of the loan. This is done to ensure payment is received in the case of a total loss, since the alternative would be for the auto purchaser to continue monthly payment installments even after the event of a total loss. It can be difficult for a finance company to ensure payments after the vehicle has been totaled, as they can no longer repossess the vehicle. Therefore, in order to protect from financial loss, finance companies will institute forced coverage on a loan if insurance coverage lapses.

This coverage is so important to finance companies that most dealerships are not allowed to let you leave with your new purchase until proof of insurance can be provided. Often times your insurance agent or broker can add a vehicle to your existing policy or a new policy can be purchased online. Most sales contracts have a provision in them that requires the purchaser to carry coverage, continuously, until the loan has been paid in full. If for any reason the purchaser does not fulfill this obligation they may have forced coverage placed on your vehicle.

Forced coverage only includes comprehensive and collision coverage for your financed vehicle. It does not include liability coverage of any kind and will leave you fully responsible should a claim arise that you are liable for. Often times more expensive than purchasing your own insurance, the price is included in your finance agreement and then tacked onto your monthly payments. Once forced coverage has been placed on your vehicle, the only way to have it removed is by providing proof of comprehensive and collision coverage to your finance company. If forced coverage is placed and you fail to make the additional payment you may be placing yourself at risk for vehicle repossession.

Sometimes forced coverage is applied to a policy as a result of clerical error. In that case, most finance companies have procedures in place that allow them to backdate the removal of forced coverage for those times that a mistake has been made.

Forced coverage is auto insurance protection solely for the finance company. It offers no protection for the purchaser, and is applied in the case that auto insurance is not provided by the purchaser, or lapses.…

3 Ways on How to Go Green

3 Ways on How to Go Green

A greener and eco-friendly lifestyle doesn’t have to be tiring and expensive. Here are few of the useful tips on how to go green by practicing simple habits:

If you are a housewife and bothered with the unenthusiastic impacts of cleaning products with toxic substances try to search your kitchen. You will find out that your most basic cooking ingredients are actually effective as cleaning materials. Baking soda, oil, cream of tartar, ginger and lemon are just few of the cooking ingredients basics you can use to clean your home.

• Green Your Ride

If you are just about to go to a place where riding a car is not really necessary why not just walk and have your exercise at the same time, biking is also an alternative. However if it cannot really be done without the car then making sure your car engine’s condition is a must so that you won’t be added to the percentage of those who causes so much carbon dioxide emission.

• Home and Office Cleaning

Your office is like the extension of your home so keeping it clean is very important. Choose green cleaning and use green cleaning products instead of traditional way of de-cluttering your office. If you are an employer and would want to consider office cleaning services switch to a service provider that is more green inclined.

• Save Electric Consumption.

Make sure that you plug off all of your devices, the television, and DVD player or the computer or printer into a UL – certified power strip. Switch the whole group off for the evening to prevent electric draw. Saving electricity doesn’t just save money, it also saves the environment.

You don’t have to wait for the Earth day to come to participate in boosting the awareness of environmental concerns. Embracing a greener lifestyle doesn’t really have to be that demanding. It’s just a little kick of initiative to help in boosting environmental awareness.…

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