Two people (husband and wife Life Insurance Agency Owners) gave me the #fabulous gift | opportunity of PHP Agent, with PHP Agency, Inc. This #fabulous opportunity includes the opportunity to be a Licensed Life Insurance Agent, owning my own life insurance agency | business.
I am currently:
Recruiting for my own team | agency | business.
Recruiting those for life insurance.
I am also apart of a #fabulous team called Seeds2Sown located in Ohio.
If this is you, if you are interested in any of the things I listed above, please contact me today! Go to the contact and leave me a message or respond to this blog post!
I am so happy to have received my #fabulous new Contactless Debit Card to my new fabulous accounts that allows me to tap and pay. Thanks to my Grandfather Woods, who served in The United States Army, I am a new member of the fabulous member only Navy Federal Credit Union. 💕
However, yesterday, I left my purse, #briefly unattended in a #public#place, like a #restaurant. I came back and checked my wallet and noticed that my new debit card was turned upside down in my wallet. I wasn’t sure if I did it or not so I called my credit union to see if I needed to get a new card. From conversating with a Navy Federal Credit Union representative, I realized that two of my new accounts numbers, routing number, and access number were in a #notebook that I left on the table with some other items.
You travel, you might as well get rewarded for it.
The best part, getting rewarded for it is absolutely free.
Walking even earns you miles.
Bridget Denise Webb
Earn miles for all of the following trip modes automatically:
Ride hailing | Uber & Lyft for now.
Walk | Run
You can’t beat this! It’s almost everything. You can earn miles just for physically moving.
Bridget Denise Webb
Trip modes are automatically tracked and miles are awarded for every valid trip. Some trip modes have criteria for a valid trip (e.g. Car, a minimum distance of 0.5 mile without a break of more than 5 minutes.) While writing this sentence, I currently have 10,028 mi and I am Platinum. I’m sure mile earned will increase as I move later on today. Miles earned from trips and bonuses can be used to purchase rewards in the app. You can earn miles cross trip modes. (e.g. If you walk to the bus or train station and you take a train or the bus to your destination.) Once the app is installed and set up, trips across each of the travel modes are automatically tracked and miles are awarded for each valid trip.
Miles was founded in 2016 by Jigar Shah, Paresh Jain, and Parin Shah.Their mission was to build a product that provides value for every mile traveled. The app was launched in 2018.
What Miles Can Be Used For
Gift Cards, Raffle, Charity, Rewards Of The Week, Harvest Season Specials, Food & Drinks, Business & Financial, Pets, Apparel & Accessories, Household, Health & Beauty, Travel & Experiences, Gifts, Zero Miles, Self Care, and Other.
Get rewarded for all of your travels. Earn miles and redeem them for exclusive rewards, enter raffles, and donate to charities.
Miles earned are not lifetime. Their are rules that have to be followed or miles will be deducted. You do have to spend a certain amount of miles within a certain time frame or you will lose some miles.
The world is already heading towards a cashless society. China is already a digital currency society. During this pandemic, we experienced the effects of a coin shortage. Grocery stores did not have coins, there was a big emphasis on “card only” transactions. Cashless by Google definition, is characterized by the exchanged funds of cheque, debit or credit card, or electronic methods, rather than the use of cash.
Here are 10 items that will assist and accommodate your transition into cashless transaction:
Debit Card, most widely used today, by Google definition, a debit card, is a card allowing the holder to transfer money electronically from their bank account when making a purchase.
A debit card can be obtained with a checking account from a financial institution such as a bank or from a fintech company such as Stash or Cash App. Accounts with the bank or fintech company source the funds of the holder, allowing the holder to transfer money electronically from their accounts when making a purchase.
2. Credit Card, also most widely used today, by Google definition, a credit is a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit.
A credit card is based on credit worthiness. Approval of a credit card can be where you are given credit by the issuing credit card company or where you fund the credit card limit with your funds. This type of credit is called a secured credit card and is usually given to those whose credit is not that good and need to rebuild their credit.
Zelle allows it’s user to send or receive money via email or a U.S. mobile phone number. With Zelle, you have to have a participating bank that offers Zelle in order to sign up for it. Zelle sends money to U.S. bank accounts only. My primary bank does offer the option to sign up with Zelle, I personally have been trying to sign up for Zelle for a while now. To see if your bank is a participating bank, click here.
Allows it’s users to send and receive money, to buy and pay with cryptocurrency, to raise funds, to purchase products and pay in 4 payments, to pay at check out and more.
Cash App allows it’s users to send and receive money, to invest in stocks or Bitcoin, and to bank with a deposit account, receive a debit card, and to add cash to their Cash App balance by stopping in participating stores to load the cash. You cannot pay for items directly at check out by scanning Cash App. You can get Cash App today along with $5 when you send your first $5! Get it here.
6. Google Pay
Google Pay allows it’s users to send and receive money. To hold their cards in a digital wallet, to view their finances, getting a fuller picture. It claims to safer than swiping your card or carrying cash. If you already have a Google Account (i.e. Gmail) you can sign up online by adding a payment method. You can also sign up by downloading the app.
7. Apple Pay
Apple Pay allows Apple users to easily, securely, and privately pay using an iPhone, iPad, Apple Watch, or Mac without a physical card or cash present. A credit, debit, or prepaid card must be added to Wallet in order to use Apple Pay. It can be used to buy things in stores, within apps, on the Safari web, to ride transit, to send and receive money in messages app with Apple Cash. If a user uses a credit, debit, or prepaid card, they will continue to get the rewards, benefits, and security that each one provides. If Apple Card is used with Apple Pay, the user can get daily cash on their purchases.
Bitcoin is a form of buy, sell, payment and exchange. It is not money. However, it can be used like money. In the United States it is not a currency. The United States government controls what is currency in the United States. Bitcoin is property. You can own it, you can buy it, you can sell it, you can use it to exchange for goods and services, you can build a hedge against the U.S. dollar with it. However, it is not money. It is notapart of the currency issued by the United States government. You don’t have an actual coin in hand to own, buy, sell, use, or exchange Bitcoin it is used digitally.
NFT (Non Fungible Token) is a special cryptoasset in which each token in unique. It is different than Bitcoin and dollars. Bitcoin and dollar bills are worth the exactly the same amount. NFT can be used to authenticate ownership of digital assets (e.g. digital works.)
Yes, a smartphone.
This is how most of China’s economy operates on a daily basis. With a scan of their phone a payment is made. Where is the money coming from? An app on their phone or a digital wallet. Instead of wallets, they carry smartphones. In the U.S. you can easily check out at some stores with your smartphone. This is where the world is heading. No physical in hand money needed.
So You Want To Trade Binary Options As A U.S. Resident, First Know The Commodity Futures Trading Commission (CFTC) & The Commodity Exchange Act & Regulations (CEA)
Commodity Futures Trading Commission (CFTC)
The Commodity Futures Trading Commission was created in 1974 with the enactment of the Commodity Futures Trading Commission Act. Prior to this, futures contracts for agricultural commodities were traded in the United States for over 150 years and since 1920, under Federal regulation. The (CFTC)’s mission is to promote integrity, resilience, and vibrancy of the U.S. derivatives market through sound regulation. (Bold emphasis added.)
The Commodity Exchange Act (CEA) regulates the trading of commodity futures in the United States. It establishes the statutory framework under which the Commodity Futures Trading Commission (CFTC) operates. Under the (CEA) the (CFTC) has the authority to establish regulations that are published in title 17 of the Code of Federal Regulations.
Binary Options Brokers Who Use Arbitrage Services
There are a lot of binary options brokers who offer arbitrage services that allow you to trade binary options. Some of these arbitrage services are located in countries outside of the United States of America. Some U.S. residents opt to trade using the arbitrage services that are in these countries, however, if you live in the United States of America your binary options broker should be registered in the United States of America. You want to trade legally and ethically. You don’t want to be intertwined with, caught up in, or connected to an off shore broker that could possibly get you in legal trouble because they aren’t following U.S. Regulations and requirements and indirectly you, whether you are aware of it or not, would not be following U.S. Regulations and requirements.
You Could Lose All Of Your Money With An Off Shore Broker
Another reason why you want to use a U.S. based broker is, you could lose all of your money. Without regulation to protect you and your funds you could lose everything you invested and gain while trading with an off shore broker. You want to be at ease while trading and know that your investments are regulated and you want to profit.
U.S. Binary Options Brokers
You can check whether a broker is registered with the (CFTC) in the United states BEFORE you trade. You can actually check registration and backgrounds before you trade. This can be done by visiting the NFA BASIC database to check. You can get there directly from a webpage on the CFTC’s website here.
Per the CFTC,
Before working with any person or firm to trade in commodity futures, commodity pools, options, forex, or other derivatives, verify that the entity is properly registered with the CFTC. The Commodity Exchange Act requires certain firms and individuals to be registered with the (CFTC). Registration and examination of intermediaries is conducted on behalf of the (CFTC) by the National Futures Association (NFA) under the supervision of the (CFTC).
CFTC Commodity Futures Trading Commission
With a check via NFA BASIC database, you receive registration, disciplinary or regulatory history, and financial information.
Here are some U.S. Based Brokers that are NFA Member Approved
TD Ameritrade Futures & Forex
TD Ameritrade Futures & Forex LLC
The best way to use this site is to enter the name of the Broker that you want information for and it see what results that you receive.
Non US Based Binary Brokers
These are some Non US Based Binary Brokers. The list is not all inclusive. They are not apart of the (CFTC) and are off shore brokers. They may be regulated with an International Broker or a broker for their country.
Cost of Living is the level of prices relating to a range of everyday items.
The cost of living is defined as the amount of money needed to sustain a certain standard of living by affording basic needs such as housing, food, healthcare, and more.
World Population Review
How Is Cost Of Living (COL) Used?
Cost of living is used to see how much it costs to live in a particular state. If you’ve never taken the time out to find out what this amount is, you should. It can help in determining and making economic decisions for your life. It will help you realize how much things cost in your state. You have no control over the state you are born in, however, once you reach the age where you can make your own decisions, you have control over whether you want to stay in your birth state or move somewhere else.
Have you thought about moving?
If you are transistioning to another state, this is good information to know. For example, if you plan on renting an apartment, the amount it cost to rent an apartment in Oklahoma is not the same amount to rent an apartment in California. In fact, an apartment in California can be in the two thousand dollar range per month. Why? The cost of living for each state is different. The prices for food, clothing, gas, and etc., are different.
The cost of living is often used to compare how expensive it is to live in one location compared to another and is also used as a big factor for people to determine where they want to be located in addition to cultural attractions, the job market, and other factors.
World Population Review
Some states are more expensive to live in than others, knowing the cost of living for a particular state that you are considering will help you factor in how much it will cost for food, shelter, transportation, energy, clothing, healthcare, and if you have children, childcare. All these things are different for each state.
How Are The Cost Of Living (COL) Indexes Factored?
Cost of living indexes are expenses used to track how much the cost of basic expenses raise over a period.
Expenses used are: Food, Shelter, Transportation, Energy, Clothing, Healthcare, and Childcare.
The Least Expensive State To The Most Expensive State
Based on November 2020 data.
District of Columbia
What number is your current state? Let me know by leaving a comment with your state and it’s number on this blog post.
The Least Expensive State To Live In & Most Expensive State To Live In
According to the data, the least expensive state to live in is:
The most expensive state to live in is:
Do you live in either state? Leave a comment on this blog post letting me know.
Hotels are varied in class, safety, and preference. I have had the opportunity to stay in a variety of hotels. Hilton Garden Inn is apart of the Hilton Brand.
How I Did It
One night, I didn’t have any place to go and asked if I could charge the laptop I was using in the lobby of a Hampton Inn that was in the area of the previous hotel I had stayed at. I ended up staying close to a month, maybe more at that particular Hampton Inn. This was also during the pandemic, executive orders for Michigan. Because I signed up that night for Hilton Honors, I accumulated points for the stays that were under my name and Honors Member number at the hotel. Needless to say, the points were enough for me to book a freetwo–night stay at the Hilton Garden Inn. I paid $9.22 in taxes and fees. If you are familiar with the prices at Hilton Garden Inn, some nights a hotel room can be over $100.00, like $102 -$109 dollars before taxes and fees. Points are really a benefit. Being a Hilton Honors Member is a benefit. Outside of point accumulation, you also can receive Honor Rates when available.
I booked the room online using my points and my debit card to make the reservation. It was $9.22. Once, I got to the hotel, there was a refundable incidental fee, that I also had to have authorized on my debit card. After, checking out, my final price for the room was $9.22. That is a great deal!
What Are Points?
Points are a system of value that works like money but isn’t money! You can’t redeem it for money. You can earn points from stays, flights, rideshare, etc., Depending on the brand or merchant that is giving the points determines ways you can earn the points and how you can use them. With Hilton Honors, you can earn points and you can buy points. I earned points. With every stay and for listening to calls after talking with a Hilton Honors Representative via phone.
How You Can Do It
Sign up to be a Hilton Honors member.
Stay at any Hilton hotel to accumulate points.
Earn any of the ways listed on the Hilton Honors Website.
Listen to phone calls when offered after talking to a live Hilton Honors Representative.
You can also purchase points. They recently had a match points promotion going on, where if you buy a certain amount of points, they match the points.
You can also take surveys when offered to you to earn Hilton Honors points.
Once you accumulate enough points, find a Hilton Garden Inn or any Hilton Hotel that you would like to stay at and book it!