The Truth Behind the Simon Stepsys Scam

If you’re on the e-business field for some time now, you might have already heard about the Net Guru, Simon Stepsys. A well known expert in the field of internet marketing, Stepsys is most popular for his coaching program that guarantees seven digit incomes for any subscriber who’s willing to follow the program by the heart.

However, with the advent of the making money online craze, rumors about the Simon Stepsys scam has surfaced and made its way to the mainstream. These gossip started through the fact that that the Net Guru has included a fax number as a way to contact him. As you can see, Stepsys started more than twelve years ago when faxing is still considered as a cutting edge technology, so it is just necessary for any business owner to have one.

Apart from this fax machine issue, other factors that others use as proofs are really just ridiculous. Most of it can easily be explained by the fact that Simon Stepsys has already been around for a very long time that some of his very old techniques are already outdated.

Also, if you research well enough, you’ll find that the Simon Stepsys scam rumors can easily be trumped by the tons of testimonials attesting to the effectiveness of Stepsys’ program one can easily find on the web. Aside from the dozens you can find on the Net Guru’s numerous websites, you can also find these testimonials on various blogs and forum threads posted by real people and e-business owners that has subscribed and profited from the Net Guru’s internet marketing firm.

These are the reasons why doubting the Simon Stepsys program is baseless. So don’t miss the opportunity to make tons of money just because a senseless Simon Stepsys scam rumor has scared you off.…

Personal Trainer NYC For Fitness Training

Personal trainer is someone who is solely driven by a passion and love for fitness and to make people active and healthier in every sense. They live by examples and lead by compassion. They put in their heart and soul to motivate people, not just sitting and giving lectures on healthy habits. The sole idea is to be fit physically and mentally that’s the only trick, no short cuts. Maik Wiedenbach, is a personal trainer who do not need any introduction, when it comes to understanding of fitness and being healthy. Considering the fact that he is an authority by his deeds and as a personal trainer in New York City, he is just class apart. World class swimmer, fitness freak and his knack for getting people in the best shape ever, speaks about him in volumes.

It’s important to understand the role of personal trainer in your life.

Let’s start with this: Why at all a personal trainer? And the next question that arises is: What could a personal trainer NYC do?  See, a personal trainer can help people live healthy lifestyle, no matter how hectic or tasking your job is. Maik Wiedenbach is an athlete, a swimmer, body builder and above all he motivates you to keep yourself fit and healthy. He is not just in the business to make money. Maik’s profession is his passion. He loves to be fit and transform lives of people who come to him for their look and routine lifestyle. Personal trainer like him has vast experience to judge your body type and his knowledge makes it easier for him to know what exactly you need.

A personal trainer like Maik Wiedenbach in New York City, is a Godsend for people who want to stay fit, look good and wants to healthier. He possess the knowledge, expertise and talents that can decide upon your fitness program that will solve your problems when it comes  to attaining personal health and fitness objectives. Maik is a former Olympic level swimmer and his unceasing desire to improve is his source of motivation. As a trainer he wants to influence the lives of others in a meaningful way.

As a personal trainer it’s your ability to strategize exercise regime, nutrition and knowledge of human anatomy of every clients gives you edge to help them. Maik is undoubtedly best at it. Skill to conduct and comprehend to the need client and to design fitness program in accordance with them is key for any trainer. A person who is so keen about his fitness and competitive attitude like Maik, who leads by example and truly cares about his clients. …

Function And Purpose Of Stock Market

The stock market is one of the most important sources for companies to raise money. This allows businesses to be publicly traded, or raise additional capital for expansion by selling shares of ownership of the company in a public market. The liquidity that an exchange provides affords investors the ability to quickly and easily sell securities. This is an attractive feature of investing in stocks, compared to other less liquid investments such as real estate.

History has shown that the price of shares and other assets is an important part of the dynamics of economic activity, and can influence or be an indicator of social mood. An economy where the stock market is on the rise is considered to be an up coming economy. In fact, the stock market is often considered the primary indicator of a country’s economic strength and development. Rising share prices, for instance, tend to be associated with increased business investment and vice versa. Share prices also affect the wealth of households and their consumption. Therefore, central banks tend to keep an eye on the control and behavior of the stock market and, in general, on the smooth operation of financial system functions. Financial stability is the raison of central banks.

Exchanges also act as the clearinghouse for each transaction, meaning that they collect and deliver the shares, and guarantee payment to the seller of a security. This eliminates the risk to an individual buyer or seller that the counterparty could default on the transaction.

The smooth functioning of all these activities facilitates economic growth in that lower costs and enterprise risks promote the production of goods and services as well as employment. In this way the financial system contributes to increased prosperity.

The financial system in most western countries has undergone a remarkable transformation. One feature of this development is disintermediation. A portion of the funds involved in saving and financing flows directly to the financial markets instead of being routed via banks’ traditional lending and deposit operations. The general public’s heightened interest in investing in the stock market, either directly or through mutual funds, has been an important component of this process. Statistics show that in recent decades shares have made up an increasingly large proportion of households’ financial assets in many countries. In the 1970s, in Sweden, deposit accounts and other very liquid assets with little risk made up almost 60 per cent of households’ financial wealth, compared to less than 20 per cent in the 2000s. The major part of this adjustment in financial portfolios has gone directly to shares but a good deal now takes the form of various kinds of institutional investment for groups of individuals, e.g., pension funds, mutual funds, hedge funds, insurance investment of premiums, etc. The trend towards forms of saving with a higher risk has been accentuated by new rules for most funds and insurance, permitting a higher proportion of shares to bonds.

Similar tendencies are to be found in other industrialized countries. In all developed …

Leaving a financial legacy

One of my earlier articles touched on living a meaningful life and making a difference with an exhortation to consider the legacy we will leave behind. Well, what exactly do I mean by “legacy”? The American Heritage Dictionary defines “legacy” as “money or property bequeathed to someone by will” or “something handed down from an ancestor or predecessor”. The latter definition is more applicable generally and the lives we lead and notable achievements (or lack of them) will determine how we will be remembered. This article is intended to briefly discuss the issue of legacy and how to leave a lasting financial legacy.

Looking at prominent people of the past, each of us will have our favourite people who have left their indelible marks and lasting legacies. Mahatma Gandhi sought peace and change through passive resistance and was therefore a burning torch for others like Martin Luther King and Nelson Mendela who fought against oppression. In government, President John F Kennedy left a lasting legacy of many achievements that have helped transformed not only the USA but also  the world to be a better place including the establishment of the US Peace Corps and successful handling of the Cuban missile crisis that averted a nuclear war. Elvis Presley can be considered a musical legend with fans still having annual gatherings to remember the man and his music. Similarly idolized is Bruce Lee, who is considered the most influential martial artist in life and on the silver screen.  History remembers not only men of peace but also men of war and Adolf Hitler is one such man and deemed to be responsible for the millions of deaths during the Second World War and the Holocaust.  In helping humanity, we remember Nobel prize recipient Mother Teresa who dedicated her life to helping (especially in India) the poor and down-trodden, the sick, and the dying. Lately, we have also been made aware of billionaires like Bill Gates and Warren Buffet who have intentionally decided that a substantial part of their wealth will be given to charitable causes to help society at large.

The aforementioned are famous people and their legacies but what of mere mortals like most of us? Rich or poor, famous or insignificant, each of us will leave behind our respective individual legacies. Whilst it may not be possible to plan and live our lives such that history will record the good that we would want to do, we can however take control of the way we would like to write our financial legacy.

Leaving a financial legacy that is lasting and beneficial entails the ability to amass wealth (tangible and non-tangible assets) and structuring a plan that would ensure the wealth continues to grow to benefit those we love (whether individuals or organizations like charitable foundations ) from the legacy. Recognizing this objective, we need to note the adage “easy come easy go” and prevent wealth being squandered and in this respect we would do well to note …

When To Contact A Personal Injury Attorney

When To Contact A Personal Injury Attorney

Personal Injury attorneys are usually known as ambulance chasers, but they are actually very useful. If you have been in a car accident, chances are the aftermath and mess of the collision can be causing you a bit of chaos. From medical bills to car insurance calls, it’s difficult to assess where to start and where to stop with the stress. One solution to handling a car accident and any injuries associated with them is to call a personal injury attorney.

When should you call a personal injury attorney?

If you are dealing with any major personal injuries, you should consult with a personal injury lawyer and seek advice. Visiting a doctor and going to the hospital can rack up medical bills. Even if your insurance company is willing to pay for some of the bills you have, often times it may not be enough. Hiring a car accident lawyer will allow you to seek compensation for harm done to you mentally and emotionally, not just physically.

Once a car collision occurs, the scene will automatically become hectic. Drivers and any other party members involved may not know what to do next. Make sure you exchange and gather information, call the police and visit a doctor, if necessary. Once all these initial steps have been taken, calling an attorney as soon as possible will be beneficial. The sooner you call an accident attorney, the better chances you will have of a lawyer taking your case. Many times people wait too long and the legal limitation to file a case expires. Call an accident attorney as soon as possible.

If your insurance company or the other party’s insurance company is pressuring you to sign documents that claim you agree to the compensation you are being given, call a personal injury attorney. Signing a document can mean losing out on your compensation. Call an accident lawyer before speaking or negotiating with an insurance company. Lawyers can fight for the proper compensation you deserve for the personal injuries you have had to endure.

These criteria should hopefully advise you on when you should consult with a personal injury lawyer. Car accidents are always untimely and unfortunate. Don’t deal with the aftermath alone. Hire a car accident attorney today and fight for your rights. If you’ve been involved in a car accident, contact the Accident Attorneys’ Group. They will put a fighter in your corner.…

Financial Projections For New Businesses:

This article is subjected to review financial projections for a new business. It provides basic tools and components required for forecasting financial situations for a new business. The significance of financial forecasting cannot be overestimated easily. It is equally important to the investors, suppliers, employees, financial institutions and customers.

The significance of financial planning and forecasting helps new business entrepreneurs to make realistic moves and through financial forecasting, they can estimates return on the ventures. For a new business; financial forecasting helps to forecasts the financial difficulties such as, when and where to reduce expenses. It helps in developing a pace for the company’s cash flow and financial matters. It involves management of long term and intermediate transactions to understand the concepts being associated with the term finance like; revenues, expenses, cash paid, or cash received.

Financial projections involve:

  • General forecasting issues: It includes forecasting revenues and expenses of an organization to examine the financial conditions, cost structure and profit margin. It helps in determining the size of the potential market, company’s operational scale and the market share.
  • Issues present in forecasting new business results: In the development stages of new business, financial forecasting plays a pivotal role. From scarcity of resources to development decisions. It includes multiple scenarios like market size, growth rates, and profitability of market and structure of cost. It is necessary to study the possible partial failure, or success.
  • Growth in sales and capital: Sales generation ultimately leads to raise capital and resources. Therefore, it is essential to recognize the substance of sales to give pace to your company’s sales. For a new business a boost in sales is required which needs outside financing.
  • Utilizing working capital: A company’s capital includes; cash, inventories, liquid securities, debts owned by company, these all are essential components of a company’s net working capital
  • Credit policy and pricing: The business planninginvolves pricing and credit policy. The financial analysis in this regard prevent from the possible upcoming loss.
  • Dividend policy: It directly affects the company’s balance. These policies affect your cash, because if your policy to pay higher dividends means your liquidity will be low to re invest that amount in assets, but vice versa if your policy is to re invest than dividend will be less, or none. Low dividend policy means high re investments and higher dividend policies means low cash balance.

Bond Fundamentals – Monetary Policy and Fiscal Policy

It’s the Federal Reserve Bank that influences the money supply. Three tools are used to implement monetary policy:

1. Open Market Operations

2. Discount Rates

3. Reserve Requirements

Since open market operations is the tool used most, we will cover it. Here’s how it works: When the economy is growing too fast and the Fed is worried about the inflation rate, it will sell government securities from its portfolio to the open market. This decreases bank reserves, which means the money supply decreases. When there are less bank and businesses have to pay the bank more in order to borrow. This discourages consumers and businesses from borrowing. Less borrowing means less spending, which slows the economy and eventually can reduce price pressures.

When the economy is growing too slowly and the inflation rate is low the Fed will buy government securities, such as Treasury bills and notes. This increases bank reserves, which increases the money supply and causes short-term interest rates to decrease. Reduced rates induce consumers and businesses to borrow. Consumers will borrow money for items such as automobiles or home loans. Businesses borrow to build their inventories or finance a new factory. As a result, economic growth will accelerate.

The Fed will also leave rates unchanged if the economy is growing at a moderate pace with low inflation or if they feel the economy will slow down by itself. They will even take a wait-and-see approach with regard to how slowly the economy is growing and the rate of inflation, before determining monetary policy.

The bond market plays close attention to the activities of the Federal Reserve, which is why it’s important for us as well.

The Federal Reserve has three goals:

1. Moderate economic growth (not too fast, not too slow)

2. Low unemployment

3. Low inflation

How does the Fed determine whether they are reaching these goals? They watch the same economic indicators as we do. In other words, they monitor the reports that are released by the Labor Department, the segments of our economy.

For instance, the Gross Domestic Product (GDP) consists of four major components: (1) consumption; (2) investment; (3) government; (4) exports. Most of the key economic indicators fall into one of the above categories. For example:

– Retail sales would fall under consumption.

– Business inventories and housing starts would fall under investment.

– Construction Spending would fall under government.

– Trade would fall under exports.

If the key economic indicators continue to come in strong, the GDP will increase. If the indicators come in weak, it will decrease. In other words, Gross Domestic Product measures economic growth.

Learn more about the Bond Market, sign up for Paul Judd’s Free BondLessons, click here.

How to Forecast Veterinary Clinic Business Sales

Predicting likely sales for your Veterinary Clinic business is a very valuable process; you should have a clear-cut idea before you commence your business of your likely sales. It’s unlikely you will be right on the money but if you don’t make a realistic endeavor your Veterinary Clinic business will likely crash; forecasting is an important part to your business stratgey.

The amount of money your Veterinary Clinic business will achieve each year depends on how many sales of its products or services – but before you start the process of actually making these sales you should create a sales forecast. The sales forecast for your Veterinary Clinic business will exist on its own merits – it will of course be a part of your overall Veterinary Clinic business plan.

So why do you need to forecast sales?

It is needed so you can

1. Predict your cash flow – your forecast might predict slow times of business where you may need a cash injection to pay for products or merely to pay the staff for example.
2. Manage Cash flow – central to the success of your business, it is essential that you appreciate how sales forecasting contributes to the computation of the cash flow forecast.
3. Plan future resource requirements – for example, you may want a new machine which produces more goods.
4. Plan marketing activities – and the consequent monetary strategies arising from these.

Quite clearly constructing a sales forecast for your Veterinary Clinic business is vital to your business success – you ought to constantly re-evaluate your sales forecasts – by looking at actual sales to your forecasted sales firstly you can measure if you have done good or not.

What components do you need to think about?

Your sales forecast should show sales by month for at least the next 12 months, and then by year for the following two years. Three years, in total, is generally enough for most business plans.

Things to think about

1. Is there an traditional market for your product or service?
2. How extensive is the sector?
3. Is the market growing or declining, and if so,by what % each year?
4. What are the chief factors that are presently influencing that market?
5. Have you seen any factors that may influence it in the future?
6. Is your business seasonal?
7. What trends or fashions are related to the sector?

Who are your customers going to be?

1. How many customers will in reality pay money for your product or service?
2. Will they ditch a different supplier to move toward you?
3. How much will you charge?
4. Can you actually offer the products and services that you are predicting?
5. How many competitors do you have?
6. Your business will not be unique; what happens when additional competitors enter the market once you have done the groundwork to raise market awareness?

The entire world is your marketplace with the creation of the internet – but …

Private Finance Vs. Public Finance

Private Finance and Public Finance – A Comparison

Private finance refers to ‘individual finance’ whereas public finance refers to ‘state’ finance. Keynes has said that “What is true of the individual may or may not be true of the state as a whole. The similarities and dissimilarities between private finance and public finance are therefore, examined below.


The goals and methods of private finance and public finance are more or less the same.  Both have to satisfy human wants with limited economic resources, controlling wastage. That is the objective and rationality in their budgets. Individuals as well as the governments are engaged in economic activities viz. consumption, production, exchange, growth etc. They receive income and make payments. Both borrow and invest funds. Both contribute to the national product.


Private Finance

Public Finance


Satisfaction of one’s own wants

Satisfaction of societal wants


Optimisation for oneself

Optimisation for all


Personal benefit  (profit)

Social Advantage (service)


Individual adjusts his expenditure to his income

Dictum: cut your coat according to cloth

Government adjust its income to its expenditure


Small and less varied

Enormous and highly diverse


No force possible

Coercive Methods adoptable

(e.g. using the axe of tax to chop off the Manhattan of incomes for ‘equity’ sake)





Budget is secret

Budget is open and transparent

Public debate and criticism


  • Surplus Budget is natural and acceptable
  • Smaller budgets of a week or a month are also executed
  • Deficit Budget is common and healthy
  • Normally big budget, for a financial year


No one has right to print currency

Government has currency right:

Fiat money (fiat=order)




Know all about Personal Loans and their Uses in Daily Life

The number of credit items has expanded in the course of recent years as monetary need and a requesting open needing specialisation to unravel budgetary conditions. From individual credits, instructive advances, business advances and even city advances to address a couple required different enterprises to be imaginative. The elements that partook in the formation of the different monetary items are statisticians, hazard administration experts, “data and informatic specialists” and Wall Street amongst others. It was important to make, improve or separate for better or for more terrible credit administrations and items to keep cash liquid in a various commercial centre that obliged assets to address corner demographics.

Personal Loans

Signature Loans – A mark credit is general as it sounds. One applies for a credit and gives a mark on a promissory note to reimburse the advance in a specific measure of time. That measure of time is known as a “credit term ” and might be from six months to five years. Signature advances more often than not require great credit and the criteria for advance endorsement are generally in view of the borrower’s credit and to a lesser degree on resources. Not all mark credits have the same parameters for capabilities. A few advances may require the borrower even with great credit to represent resources for demonstrating the loaning organisation for endorsing purposes. The organisation could conceivably put a lien on the advantages however, all things considered, needs to have documentation demonstrating that there are surely money related or physical resources claimed by the borrower. Signature advances, as a rule, accompany lower financing costs than different sorts of purchaser advances like payday advances, charge card propels, title credits and some auto advances. More on these subjects later. Who are the banks in mark credits? They go from extensive backups of automobile producers to banks, funds and advance establishments, money organisations and payday credit organisations.

Charge card Loans – Credit Card advances or loans from Visas are another type of individual advances. These fast advances are all the more promptly accessible to the overall population and do not require a credit check. To get the underlying card more than likely required a credit check or if nothing else the procedure of recognisable proof for secured Mastercard. Mastercard advances or advances, as a rule, accompany higher loan costs furthermore different charges for having entry to the money. Different elements permit access to the charge card loans from bank employees, check getting the money for offices and computerised teller machines (ATMs). The expenses change in view of the source used to get to the assets. To bring down the expenses for loans some utilisation check getting the money for offices to have the card charged and get trade pull out turn for not incurring the expenses of ATM machines as cards are imposed a charge twice; first by the ATM organisation furthermore their bank. The financing costs on Visa advances or advances …