information

Starting an Internet Business | FTC Consumer Information

By Elroy Mariano 3 months ago

An internet business can sound like a dream: work from home, set your own hours, be your own boss. But if you’re considering buying an internet business opportunity, watch out for promises of big or guaranteed earnings. Regardless of the stories you’ve might have read or heard about college-age entrepreneurs turning into internet gazillionaires, there’s no such thing as a sure thing.

Any online business opportunity that promises guaranteed income, large returns, or a “proven system” is likely a scam. If you pay for the so-called opportunity, you’re then often asked to pay even more: for business coaching or mentoring services to guarantee or increase your business’s success. The money you spend on those extra coaching services is almost always more money down the drain.

Short on Details

An internet business is just like any other business: it requires a solid business plan. Anyone who sells legitimate business opportunities should

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Personal Finance News Information Tips

By Elroy Mariano 3 months ago

Greetings all,

I guess it’s about time to shut down this blog, Top Finance Blog. It’s been a nice run of 11 years and initially I had a lot of fun and made some nice money, but those days are gone and it’s time to move on.

Since I never had many return visitors or subscribers and had only one comment in the last 5 months, I doubt anyone will actually read this. But that’s okay because I’m turning off comments in any case, so I’ll probably never know if anyone ever cared about most of the content here in the last few years or so.

However, if there were things here that interested you, here’s a bit of information for you. Many of the articles here will be repurpose elsewhere. They’ll either go to my accountant’s blog, who I write for, or my relatively local blog, Syracuse Wiki, where

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Information and Tips to Help You Save money

By Elroy Mariano 3 months ago


Comparing quotes can save you money now, but to keep your rates low, year after year, you must understand how your policy works, and what options can cost or save you money.

Use our guides to learn about your own auto insurance, and you’ll save hundreds of dollars on your next policy:

The Basics
explains the most basic concepts of auto insurance, from liability to PIP.

Car Insurance Options
goes a little deeper, helping you choose among the many options available on a standard policy.

State-by-State Guides
contain local law and regulation info, as well as links to auto insurance providers in your area.

You’ll learn about specific issues, such as no fault insurance and high risk auto insurance, and be able to apply this knowledge to get the best discounts from your insurer.

See How Much You Could Save:

Save $300-400 or more with discount rates from all

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How to Keep Your Personal Information Secure

By Elroy Mariano 3 months ago

Protecting your personal information can help reduce your risk of identity theft. There are four main ways to do it: know who you share information with; store and dispose of your personal information securely, especially your Social Security number; ask questions before deciding to share your personal information; and maintain appropriate security on your computers and other electronic devices.

Lock your financial documents and records in a safe place at home, and lock your wallet or purse in a safe place at work. Keep your information secure from roommates or workers who come into your home.

Limit what you carry. When you go out, take only the identification, credit, and debit cards you need. Leave your Social Security card at home. Make a copy of your Medicare card and black out all but the last four digits on the copy. Carry the copy with you  — unless you are going

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China Finance China Banking, China Banks, China Finance Information, Chinese Currency

By Elroy Mariano 4 months ago


Books on this topic
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 





China Information/Sources
China Finance / Banking

 



 

What people outside China say?

  •  What is the average financial
    intelligence of Chinese people?

    (link to full story    )
  • China’s E-Payment Boom (link
    to full story    )
  • China Currency Internationalization: A
    Moving Feast (link
    to full story)
  • Renminbi: Chinese currency could become
    the next safe haven
    By Josh Noble (details)
  • [Viewpoint] China’s new currency policy
    – The Chinese government might alter its
    currency policy to reduce portfolio
    risks and contain domestic inflation. (click)
  • China’s old bad banks run new risks – By
    Henny Sender (click for details on

    Financial Times    )
  • China to become global banking king
    by 2023: Report     (click
    for details)
  • A sudden rise in the yuan would solve
    nothing     (click
    for details    )
  • Analysis: Offshore yuan market
    foreshadows China bond market (click
    for details    )
  • China’s Self-Defeating Currency Policy –
    Although a
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Credit Insurance | FTC Consumer Information

By Elroy Mariano 4 months ago

The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

There are four main varieties of credit insurance: Credit life insurance pays off all or some of your loan if you die.Credit disability insurance, also known as accident and health insurance, makes payments on the loan if you become ill or injured and can’t work. Involuntary unemployment insurance, also known as

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Auto and Homeowners Insurance Information for Colorado, New Mexico, Utah, Wyoming

By Elroy Mariano 4 months ago

For authoritative information and resources on COVID-19, including situation reports, guidance, and more, visit CDC’s website, CISA.gov/coronavirus, Colorado Department of Health and Environment, Colorado Governor Resource Page, New Mexico Resource Page, Utah Resource Page, Wyoming Resource Page

Rocky Mountain Region Insurance Bulletins: CO Insurance Payments, Renewals and Cancellation Provisions; FAQ for Renewals and Cancellation Provisions (5.38) CO Governor Press Release on Delivery Drivers; CO Delivery Driver Provisions; New Mexico Insurance Bulletin, Colorado DOI Business Interruption Insurance & COVID-19 FAQ

FEMA Flood Insurance Grace Period: News Release

SBA Coronavirus (COVID-19): Small Business Guidance & Loan Resources

https://www.sba.gov/page/coronavirus-covid-19-small-business-guidance-loan-resources?fbclid=IwAR3O5jQir9rGFWfx7FeUvpvq9vUAT0uAnPJ40OJFcrwjsLtwQCoyGbDjym4

NICB COVID-19 Resource Center

Colorado Emergency Preparedness Partnership: Readiness information for businesses to plan for potential organizational/workforce impacts from COVID-19. CISA.gov/insights. Register for the Colorado’s Business Emergency Operations Center (CO BEOC) for access to situation reports, coordination calls for needed resources and services.

“Is there business income coverage if a governmental authority requires

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Vendor Information Pages

By Elroy Mariano 4 months ago

This system is intended to be used by authorized VA network users for viewing and retrieving information only except as otherwise explicitly authorized. VA information resides on and transmits through computer systems and networks funded by VA; all use is considered to be understanding and acceptance that there is no reasonable expectation of privacy for any data or transmissions on Government intranet or Extranet (non-public) networks or systems. All transactions that occur on this system and all data transmitted through this system are subject to review and action including (but not limited to) monitoring, recording, retrieving, copying, auditing, inspecting, investigating, restricting access, blocking, tracking, disclosing to authorized personnel, or any other authorized actions by all authorized VA and law enforcement personnel. All use of this system constitutes understanding and unconditional acceptance of these terms. Unauthorized attempts or acts to either (1) access, upload, change, or delete information on this system,

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Protecting Personal Information: A Guide for Business

By Elroy Mariano 4 months ago

Most companies keep sensitive personal information in their files—names, Social Security numbers, credit card, or other account data—that identifies customers or employees.

This information often is necessary to fill orders, meet payroll, or perform other necessary business functions. However, if sensitive data falls into the wrong hands, it can lead to fraud, identity theft, or similar harms. Given the cost of a security breach—losing your customers’ trust and perhaps even defending yourself against a lawsuit—safeguarding personal information is just plain good business.

Some businesses may have the expertise in-house to implement an appropriate plan. Others may find it helpful to hire a contractor. Regardless of the size—or nature—of your business, the principles in this brochure will go a long way toward helping you keep data secure.

 A sound data security plan is built on 5 key principles:

  1. TAKE STOCK. Know what personal information you have in your files and on
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Business Information and Contacts | Homeland Security

By Elroy Mariano 4 months ago

Information and contacts to help you do business with DHS.

Industry Liaisons

Industry Liaisons promote two-way communication between the DHS and industry, academia, and other institutions. Learn about their services and identify points of contact here.

Small Business Specialists

Small Business Specialists at each DHS Component are available to discuss specific procurement opportunities available for small businesses. Learn about their services and identify points of contact here.

Office of Small and Disadvantaged Business Utilization Staff

The Office of Small Disadvantaged Business Utilization staff oversee the DHS small business program. Learn about their services and identify points of contact here.

Prime Contractors

DHS maintains relationships with prime contractors who subcontract with small and disadvantaged businesses. Learn about partnering and identify points of contact here.

Strategic Sourcing and Category Management

The Strategic Sourcing Program Office collaborates with DHS’s Components to establish Department-wide contract vehicles. Learn more about Strategic Sourcing Program Office services

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