There you have an example from the German beer industry about the disadvantages of having lots of small groups that are secretive and don't compete with each other. The other example that I want to tell you about is the Japanese food-processing industry. I mentioned that we Americans are virtually paranoid about the efficiency of the Japanese, and it's true for some Japanese industries, but not for their food-processing industry. Japanese processed food is produced with an efficiency 32% of American processed foods. There are 67,000 food processing companies in Japan; there are only 21,000 in the United States, although the U.S. has double Japan's population, so the average food-processing company in the United States is six times bigger than its Japanese counterpart. What is the reason why the Japanese food-processing industry, like German beer industries, consists of small companies with local monopolies?
I paid $47 to this Home Income Program. I am so dissatisfied with the whole thing. The information they gave you can get for free from Facebook, EBay, Instagram etc. Which I had already done. So it was totally useless to me. Now trying to get a refund of my $47 has become a full time task… No one ever responds to my emails. When I call the customer support number I get a voicemail asking for my name and number And customer service is a joke. I would say and agree that I was totally scammed!!! People don’t waste your time and ecspecially your money. Take your family to dinner instead of falling for the Home Income scam!!!! Thank you.
I am hoping my success story involves a combination of the blog and consulting. I’ve been really struggling with the consulting lately in an attempt at networking and obtaining more clients. Between the two blogs, keeping up with industry, and maintaining an amicable family relationship I find I am short on time. My wife has not worked for over 2 years so we are on a single income. We do have a child who takes a lot of time and money.
Chase Freedom Unlimited℠ – The Chase Freedom Unlimited℠ is a new Chase card that is taking the rewards world by storm! By signing up, you’ll earn a $150 signup bonus after you spend just $500 within 90 days. Plus, you’ll earn a flat 1.5% back for every dollar you spend on any type of purchase. Best of all, this card doesn’t charge an annual fee, either.
Spending intentionally doesn’t require pinching every penny, but you should know where those pennies are going and that the destination is something you value, whether that’s travel or good food. It’s easy to fall into a habit of doing the opposite, basically a financial version of mindless eating — buying a new pair of shoes because you walked by the shoe store, for example.
There you have an example from the German beer industry about the disadvantages of having lots of small groups that are secretive and don't compete with each other. The other example that I want to tell you about is the Japanese food-processing industry. I mentioned that we Americans are virtually paranoid about the efficiency of the Japanese, and it's true for some Japanese industries, but not for their food-processing industry. Japanese processed food is produced with an efficiency 32% of American processed foods. There are 67,000 food processing companies in Japan; there are only 21,000 in the United States, although the U.S. has double Japan's population, so the average food-processing company in the United States is six times bigger than its Japanese counterpart. What is the reason why the Japanese food-processing industry, like German beer industries, consists of small companies with local monopolies?
This is my update, it’s been a couple years and I feel now is a good time for one! After my wife and I turned 30 in July I have been thinking about updating our story. We continue to prosper at what we do and have been pretty frugal since when we first posted. I finally got a raise and a promotion , which is just the start of our good luck. About two years ago we purchased land back home in PA even though we still have time left in Boston. We got an amazing deal on 2.2 acres on a golf course that now appraises for $350,000. Since the last time we spoke we have paid down debt,we have paid off both cars, my wife’s medical loans and under grad degree, also purchased about $25,000 in gold and silver. We have about $55,000 in equity in our condo in Boston and together we now have over $95,000 in 401k and Roth accts. We are working extra hard at paying down the land loan so that we will have enough equity to build a 1.5 million dollar house ($300,000) needed or 20%. We also just signed with a private practice which is going to pay my wife and I a $50,000 signing bonus and over $250,000 before taxes a year, starting in 2014. We make about $175,000 a year combined now but once my wife becomes partners at this practice she is expected to make over $750,000. So we are very lucky and well on our way! We our currently half way away to a million. Our plan is to become millionaires before we turn 35. Can we do it? Thank u Ryan for your advice. Work hard, it doesn’t matter what you make… It matters what you are able to save!
I recently stumbled on the Trim app and I have to say, this one is a game changer. It’s a simple app that acts as your own personal financial manager. Once you link your bank to the app, Trim analyzes your spending, finds subscriptions you need to cancel, negotiates your Comcast bill, finds you better car insurance, and more. And of course, the app is free! My bet is that it will only take a few days for Trim to put an extra $100 in your pocket. So easy!
Some scams might involve asking you to pay for a “training” book or CD that explains how to make money in a certain business. Others charge for supposedly “exclusive” products that you’re supposed to sell at a premium. Avoid both of these scenarios. Remember, you should never have to pay to get a job. And if someone asks you to, you can be sure that it’s a scam.

You cannot possibly know if you’re being paid what you’re worth if you don’t know what others in your field are making. Sure, you can do some blind research on websites like Glassdoor and Payscale, but nothing is going to light a fire under you like learning that Ned who sits in the cubicle right next to you and works half as hard as you is making $5,000 more than you.


Note:  There are dozens of other survey sites out there. These just happen to be the more well-known ones that have a reputation for paying out in a timely manner and not having impossible standards for cashing out. As always, be careful with your personal information. I recommend using an entirely separate email address for survey sites so they don’t clutter your inbox.
This website likes to follow the tactic of promoting a fake online newspaper so readers feel that the content and story is legitimate. In fact they go as far as implementing an IP address tracking script so they can taylor the story to your location so it seems the article is pertaining to someone who lives near you. This is supposed to give you a sense of authenticity when the program could just be looking for a quick sale. In fact, most of the time you can track down the IP address of systems like this one and see that it is coming from somewhere in China!!
Hello ,I would like to know much more about working from home I have twins that’s 5 months and a 2 year old son of course working on a job when my husband works during the day so I’m home with nothing to do ready to better myself but while I’m at it I want to be able to work from home and still have my kids and still be mother home doing everything that’s suitable for my household

Of course there are also the famous differences between the productivities of the economies of different countries: the differing national average productivities of Japan and the United States and France and Germany. Actually, though, there are differences between the productivities and wealths of different business sectors within the same country. For example, the German metal-working industry has a productivity rivaling that of the United States, so the Germans are certainly capable of organizing industries well, but the German beer-brewing industry is less than half as productive as the American beer-brewing industry. Or take Japan — we Americans are paranoid about the supposed efficiency of Japanese business, and the fact is that the Japanese steel industry is 45% more productive than the American steel industry. Why is it, then, that the Japanese food-producing industry is less than 1/3 as productive and efficient as the American food-processing industry? Still another example: in Korea, the steel industry is equal in efficiency to American steel making, but all other Korean industries lag behind the United States. What is it about the different organization of the German beer brewers and the German metal workers, or the different organization of the Japanese food processors and the Japanese car manufacturers, that accounts for the different productivities of these sectors within a given country?
They believe that you are so gullible that they even use the same website template and say pretty much the same thing, just with different names for the program. They are usually some kind of link posting GARBAGE that is a JOKE and a TOTAL waste of time and money, but what you REALLY better watch out for, is the tricky ways they WILL try to get you to spend THOUSANDS of dollars.

Hello ,I would like to know much more about working from home I have twins that’s 5 months and a 2 year old son of course working on a job when my husband works during the day so I’m home with nothing to do ready to better myself but while I’m at it I want to be able to work from home and still have my kids and still be mother home doing everything that’s suitable for my household
But once you’re in your home office—alone, every day—you might start to miss that collegial camaraderie. Since the UPS incident, I’ve reached out more to colleagues via IM and will post cute pics of my new puppy for my colleagues to see on Yammer. And when we’re on deadline, we even (gasp!) talk on the phone. It’s helped tremendously to make the disconnect not feel so severe. It’s a good balance between having peace and quiet when you need it and much-needed interaction with others, too.

Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought? Paribus is a service that lets you find out if stores you’ve shopped at online owe you a refund.  It’s free to sign up. Paribus connects to your email account and checks your receipts.  If they find out a retailer has dropped their price they file a price adjustment claim for you.  Try out Paribus.


Write and publish an eBook. You don’t need a traditional publisher and financial backing to publish your own book anymore. In fact, Amazon.com makes it possible for you to publish your own eBook and sell it independently – with no financial investment on your part. And with Kindle eBook publishing, your book will appear on Kindle stores worldwide within 24-48 hours. Just be prepared to market it yourself on social media, your blog, or elsewhere if you expect to generate sales.
Most millionaires know that it takes money to make money. Millionaires understand the power of compound interest. The study out how to make wise investments. Whether it’s taking good care of themselves so that they aren’t spending money on health care later, investing in a good education (not necessarily college, though), starting a business, or finding solid stocks to buy, millionaires study out what is likely to bring them a return. They make solid investments after considering the options.

Most of them have told me that if I’m interested in consulting, I have to talk to someone at Deloitte. Do you think I could pick your brain on your job and what motivated you to choose Deloitte? I’d especially love to know how you made your choices after graduating from Michigan State. [THE PHRASE “PICK YOUR BRAIN” IS ONE OF THE BEST WAYS TO ASK FOR ADVICE AND FLATTER, AND “MICHIGAN STATE” REINFORCES SHARED BOND.]
I’ve considered possibly driving for one of the internet ride apps, but I was forced to sell my vehicle because of the length of time it took for me to get an approval from the Social Security Administration for my disability determination. The beauty of that route was that I could work when I wanted to work. Every morning the Good Lord affords me another day has become an extreme struggle physically and mentally. My Rheumatoid Arthritis has my joints so swollen I can make a fist and my fluffy house shoes feel as though they are constructed by cement.
However, there are ways for stay-at-home moms and dads to earn a bit of extra cash to supplement the family budget without leaving the house or sacrificing time with the kids. In fact, here are 10 money-making opportunities that can be pursued when your children are at school or asleep, or possibly even when they are awake and demanding your attention. The earnings potential is modest, and not every opportunity will be right for you, but over the course of a year you could pocket hundreds – and possibly even thousands – of dollars.
In 2014, Caitlin Pyle made over $43,000 by working as a freelance proofreader…part time. When she wasn’t working, she even had time to go on several fun vacations. After she had a ton of success doing that, she decided she wanted to teach others how to do the same thing, so she started up Proofread Anywhere. Sign up for one of her free workshops to learn more about making money as a proofreader.
Ask for a raise. If you’re unhappy with your compensation at your 9-5 job, asking for a raise is one way to beef up your bank account. Most employers offer an annual review of your work – which could be the perfect time to negotiate a higher salary or ask for better perks. If your employer doesn’t offer such an opportunity, it might be time to initiate a review yourself.
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