Education

The stock market bias is higher in the long run and here is WHY

Of course FED money printing, stock buybacks, and mergers play a huge role in sending stocks higher, but the number one factor is the way market averages are manipulated!

The components of the S&P 500 update periodically. Between 1/1/2005 and 1/1/2015, 188 index components were replaced by other components. In other words, drop the companies going bankrupt and replace them with companies in their growth phase.


Free Education Sites ~ Don't Pay For College

I'm going to save you from $30,000 to $100,000 on this one.

The Internet is full of free learning tools - from online videos, to wikibooks, to PDF documents. 

  1. Khan Academy
  2. Goodwill is providing free education
  3. Listen to thousands of lectures from the world’s top scholars at Academic Earth
  4. 10 Sites to Learn Something New in 10 Minutes a Day
  5. Free Yale University Courses
  6. Instructables
  7. MERLOT
  8. How Stuff Works
  9. eHow
  10. Learn to Speed Read

Maybe Colleges Should Offer A Money Back Guarantee

"A recent college graduate is suing her school because she has been unable to find a job.Trina Thompson, 27, graduated from Monroe College in the Bronx in April. She says she has not been able to find a suitable job since she graduated with a degree in information technology. As a result, Thompson is now suing to get back the $70,000 she spent on tuition."

Students leave with huge debts that cannot be repaid with today's salaries. Besides that, why pay to learn only Keynesian economics or law that ignores the exact language of the US Constitution?

If other businesses offer a money back guarantee, why not colleges? It would force them to compete on their merits rather than on endowments. It would also bring about better transparency to their career placement numbers.


Cheapo Fix Its

Paper Clips
Use as a hook  - drapery, pegboard
Use as cotter pin to hold lawnmower wheels
Use to replace a broken or lost door hinge pin
Use as a zipper pull

Fishing Line
Kite string
Toilet flapper chain
Sew into screen door hole

Safety Pins
To fasten new upholstery onto existing cushions
Replaces missing eyeglass screws (the ones that back out at the arm hinge)

Baking Soda
Toothpaste
Pour one cup into clogged drain; follow with one-cup vinegar, flush with hot water

Clear scotch tape
Use to replace the plastic tip on shoelaces

 


Investment Advisors Forced To Give You The Same Old Tired Advice

The big brokerage houses steer you to the "most common" investment direction. That is, do what everyone else is doing - a kind of collectivism. What you need to know is that they are forced to do this by law. It's called the Prudent Man Rule. Just another regulation to keep folks in wage slavery!

Jim_Cramer_CNBC_Mad_Money


Why The Cheapo Groovo System Works While Other Fail!

In a nutshell, STATISTICS. 60% of new businesses fail within their first five years.

My system applies the same diversification techniques used by stock investors to employment. Why specialize and bet the farm on one career? Instead you should have multiple income streams!

With my system, you are using assets, avoiding liabilities. You perform tasks that you were doing for free but now get paid for (searching, clicking links, watching videos). You are not spending tens of thousands on a college education that will be useless, obsolete, or outsourced. You combine practical entrepreneurship, with a frugal lifestyle, with a proven investment strategy!

My favorite income stream is selling covered calls. Did you know that over 75% of options expire worthless?  That means I keep my option premium and can repeat the process all over again.

Unlike network marketing systems, you will earn income even if no one joins underneath you. And unlike the touts and come-ons all over the Internet, I document all my income streams.


The Value of Living by a University