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Ds Domination Review

Ds Domination Review

Many of my friends ask me what I’m doing now, besides being retired and enjoying life. Well here’s my story and I’m sticking to it!

This story will kind of sound like the same old “what if” we hear all the time. But what if the “what if” means we can make money with:

·         No sales page

·         No squeeze page

·         No follow up

·         No driving traffic

·         No autoship

·         Over 80% retention rate

 How does DS Dominaton work?

I know you’ve heard all this before, because I certainly have. But if all this were all actually true, that would be interesting wouldn’t it? In the company I’m talking about, DS Domination, this all is actually true.

ebay dsdIn DS Domination . . .

We make money using the product. The product is training.  In this training we learn how to make money by moving items from Amazon to eBay; not physically moving but by copying and pasting stuff. It can eventually sell on eBay. Wait – you’re selling stuff!

Guess what – the only way you’re going to make money on the internet is by selling stuff. Take a look at the biggest homes in your community. They’re mostly owned by sales people.  They’re hardly ever home either ‘cause they’re always selling; real estate, mortgages, insurance, cars. You get the picture. Well you have to sell stuff in DS Domination too. But it’s the way we sell stuff that separates us from the pack.

Amazon ebaySo far I haven’t mentioned a sales page or squeeze page. There’s no calling friends, relatives or acquaintances. I don’t have to drive traffic to a non-existent squeeze or sales page. No autoship either.

But, (here it comes), there is a $19.95 a month fee for the training. And yes, you can earn money using the product. About 80% of the people in DSD are earning at least enough to pay their monthly fee; most are earning more.

How am I doing? I am making more than DSD fees each month. I’m not as successful as many, but unlike the other “schemes”, I’ve been involved with, I am making money with DSD. This is the first time in a long time I can make this claim. So, if you’re not satisfied with your present income, you need to make more money or just want to earn money on the internet, I challenge you to at least look at this opportunity. Click on the link below and register for our next webinar. The presenter is funny, entertaining and actually shows you LIVE how we make money. What have you got to lose?

Money for Christmas – and thereafter

Christmas money


Making Money online

As I’ve said in many previous stories, I’ve worked with many different companies doing many different things. This story will be about online companies.
I really thought that working on the internet was out of my life. The auto ships each month were driving me out of my mind, no less driving money out of my bank account. It was darn hard making enough money each month just to justify the auto ships!
The recruiting was hard, because I was in enough companies that my friends and relatives didn’t want much to do with me.

Several years ago I tried selling on eBay.

Sold a few things and got intrigued with drop shipping. At the time each time you listed something you had to pay a fee. I trusted myself in what I was doing so I listed a tome of products – after all you didn’t have to actually own the products. After a couple of months I quit ’cause I was spending more money than I was making. No more internet stuff for me.

So one night I watched a Webinar.

Watching webinar

Don’t know why ’cause I thought I was through with all that. Something was different about this webinar – the guy narrating seemed to be having fun and he was an absolute nut! Unlike most Webinars, this guy seemed to be talking from the heart and actually tried to talk us out of doing his thing.
I watched a couple of times and though that even though it was eBay his system might actually work. So I decided to spend a few bucks each month. The money is for training, video training and constant follow-up training each week on a webinar. I actually started to make some money!

The integrity on the part of the owners is beyond reproach.


These guys are honest and are constantly coming out with something new to help you with your selling efforts. Here’s the best part – they get nothing out of what you make on eBay. I’ll give you an example of what I mean:
The owner keeps saying that the Christmas season is the best part of the year for selling. So one of the owners has a two hour “getting prepared for Christmas” webinar. He tells us what we have to do to make money during Christmas. Never saw anything like it before. Here’s my opinion:

I know he’s also thinking that many of the people won’t do as he says and won’t make the amount of money that’s possible. So they come up with this contest. I won’t tell you what the prizes are, but they’re worth thousands of dollars. Here’s the good parts:

• The company won’t make any money out of what is sold on eBay as there’s no way for them to do so.
• In order to qualify for the contest, we have to list at least 50 products on eBay.

So what does all this mean?

Make money xmas

The company is “forcing” us to prepare for the Christmas season by listing products so we will be successful! And no extra money out of our pockets!
This is one of the many reasons I’m telling you about this company now, one other reason being there’s no down side other than you have to work. It’s an easy formula work = money.
S o you need to know how to check out this company. Each Tuesday they have a webinar given by the nut. Here’s the link, so check it out:

Easy to watch and easy to do.

This link is a sales link.  You should watch it, but register for the live Webinar and watch it first before making any decisions.

This link is a link to register for the Webinar


Gotta go get some more listings up!


Can You Really Afford a Timeshare?

102313 Timeshare pic






Timeshares seem like a good thing – expecially at the time you listen to their pitch.  Free Breakfast, Lunch or Dinner, if you listen to a short presentation.  And I have to admit, it did sound good at the time. But what’s the real cost of a timeshare?

My Wife and I fell prey to a timeshare when we were on our honeymoon.  We didn’t have the full amount to purchase it, so they gave us some really good terms. It sounded great – until it came time for the monthly payments. We had to pay the maintenance fee if we used it or not! And the maintenance fees kept going up in price.

Can you really afford one? Check out the rest story of the real cost of a timeshare, by Cyrille L, then see what you think.

The Real Cost of Owning a Timeshare


by George Aughey

How to Lower Your Cable Bill

In my article Retiring on just Social Security alone, I talked in general about setting up a budget between the folks doing the retiring. I stated that “You need to go through your budget one item at a time to decide which things you need and which things you want”.

These articles are not designed to as a “be all to end all”, but just alternatives in helping to keep your budget down. I’m a Senior myself, and I speak only about my Spouse and I.

In this article I’m going to talk a little more in depth about the Entertainment part of your budget, specifically the TV part of your Cable Bill and Satellite TV Bill, but in the reference of things you need to watch and which things you want to watch. I’ll also talk a little bit about your cell phone service.

Options about TV on the Internet won’t be talked about in this article but will certainly be in a later article.


Cable or Satellite TV

I don’t know about you, but Cable programming pricing is way out of line in our area. Do you really need all the cable channels and extras you’re paying for? This should depend on what you really need to watch vs. what you want to watch on TV.

Now if you’re not mobile and have to stay home, that’s a different story, but the basic premises can still apply.

What do you need to watch? Reality shows, like The Voice, American Idol, Survivor, etc.? If these are part of the need to watch, you’re already ahead of the game, because these shows are part of the “Over the air” shows that you don’t even need Cable to watch! At the very least you can get Basic cable and still enjoy these shows.

Basic cable only costs a fraction of what full programming costs and as Xfinity declares:

“Our Limited Basic package offers you a range of basic channels. These include:

  • Local broadcast stations (ABC, CBS, NBC, FOX, PBS, etc.)
  • Local government channels
  • Education channels

Our Expanded Basic package includes 30-50 channels.* These include:

  • Disney
  • ESPN
  • MTV
  • Fox News”

The average cable will vary according to what market you’re in, but it’s certainly worth calling your Cable or Satellite company and asking to compare the costs with you. From my experience, they’re more than happy to do so. To them, it’s better than losing a customer completely. You may even get some programming that’s great for you!

What do you want to watch? Is it sports, adult entertainment, documentaries? Talk to your Cable or Satellite provider about other programs you’d like to watch. If you are addicted to sports, try alternatives that are more affordable Usually segment-oriented TV programming costs a lot more than normal programming.

Call the local high school or college and find out the schedule for their games of whatever type. Schools play for the fun and honor of playing and not specifically for money. They’re fun to watch and you’ll probably meet some Grandmas and Grandpas there you don’t know yet. And they can be free, if not, low cost. If you get to talking to people at these events you’ll probably find out when the school plays, marching team competitions etc., are. These events can be enjoyable.

As you can see, it’s all about fitting things into your budget as you both see fit and can afford, so you can still be able to enjoy your “social life” on a budget.

A Cable TV alternative:

Totally over the air TV is just what it sounds like – free over the air programming, just like it used to be in the “old days”. I discuss this in the another article, Living Within Your Budget on Social Security – With Over-the-air TV


I’m finding that the biggest segment of new Smartphone users is Seniors – from Baby Boomers on up. Just a short mention about that in this article, ‘cause I’ve already talked a lot. One of the best buys for Smartphone service is Walmart – almost. It’s $40 per month. If you check into their contract though, you’ll find out that after a certain amount of web usage, the web access slows down – “throttling”.

There is another alternative called Solavei. It’s a little more expensive than Walmart, ($49 per month), or it can be for free. The choice is yours, To learn more about Solavei, click here.

by George Aughey

The 2012 Post-Election Agenda


Bradford Lee, CIS
Registered Principal

Focal Point Financial, Inc.

Today’s post-election political landscape looks a lot like the pre-election political landscape–President Obama will be working with a Democratically controlled Senate, and a Republican-controlled House of Representatives for a minimum of two more years. The issues haven’t really changed, either. What has changed, though, is the amount of time left to deal with these issues. With little time to act, the stakes are high. Here’s a quick rundown of some of the big issues that need to be addressed.

Expiring tax provisions

With the “Bush tax cuts” (extended for an additional two years by legislation passed in 2010) set to sunset at the end of 2012, federal income tax rates are scheduled to jump up in 2013. We’ll go from six federal tax brackets (10%, 15%, 25%, 28%, 33%, and 35%) to five (15%, 28%, 31%, 36%, and 39.6%). The maximum rate that applies to long-term capital gains will generally increase from 15% to 20%. And while the current lower long-term capital gain tax rates now apply to qualifying dividends, starting in 2013, dividends will once again be taxed as ordinary income.

Other breaks go away in 2013 as well:

  • The temporary 2% reduction in the Social Security portion of the Federal Insurance Contributions Act (FICA) payroll tax, in place for the last two years, is scheduled to expire at the end of 2012.
  • Estate and gift tax provisions will change significantly (reverting to 2001 rules). For example, the amount that can generally be excluded from estate and gift tax drops from $5.12 million in 2012 to $1 million in 2013, and the top tax rate increases from 35% to 55%.
  • Itemized deductions and dependency exemptions will once again be phased out for individuals with high adjusted gross incomes (AGIs).
  • The earned income tax credit, the child tax credit, and the American Opportunity (Hope) tax credit all revert to old, lower limits and less generous rules.
  • Individuals will no longer be able to deduct student loan interest after the first 60 months of repayment.

Additionally, lower alternative minimum tax (AMT) exemption amounts (the AMT-related provisions actually expired at the end of 2011) mean that there will be a dramatic increase in the number of individuals subject to AMT when they file their 2012 federal income tax returns in 2013.

There seems to be a general willingness to extend many expiring provisions. The sticking point, however, has centered on whether lower tax rates and other tax breaks get extended for all, or only for individuals earning $200,000 or less (households earning $250,000 or less). Recent posturing has indicated that compromise might be achieved by extending the lower tax rates for all, but increasing tax revenue by limiting the deductions available to high-income households.

Automatic spending cuts, or “sequestration”

The failure of the deficit reduction supercommittee to reach agreement back in November 2011 automatically triggered $1.2 trillion in broad-based spending cuts over a multiyear period beginning in 2013 (the formal term for this is “automatic sequestration”). The cuts are to be split evenly between defense spending and nondefense spending, and are projected to equal about $109 billion in 2013 (Source: Office of Management and Budget, “OMB Report Pursuant to the Sequestration Transparency Act of 2012 (P.L. 112-155),” September 14, 2012). Although Social Security, Medicaid, and Medicare benefits are exempt, and cuts to Medicare provider payments cannot be more than 2%, most discretionary programs including education, transportation, and energy programs will be subject to the automatic cuts.

As with the expiring tax breaks, new legislation is required to avoid the automatic cuts. But while it’s difficult to find anyone who believes that the across-the-board cuts are a good idea, there’s been no consensus on what to do. The challenge for political leaders will be to come up with a more palatable set of cost saving measures, or an alternate deficit reduction plan.

The debt ceiling

While it hasn’t received the same level of attention given to the expiring tax provisions and the automatic spending cuts, there’s another problem looming–the government is running out of money again. The federal government will likely hit its borrowing limit (currently set at approximately $16.4 trillion) sometime before the end of the year, although certain “extraordinary measures” can be implemented to allow the government to meet its obligations into early 2013. (Source: U.S. Department of the Treasury, Treasury Assistant Secretary for Financial Markets Matthew Rutherford November 2012 Quarterly Refunding Statement, October 31, 2012.)

It was a little over a year ago that the last debt ceiling impasse led to the creation of the deficit reduction supercommittee and, ultimately, the imposition of the automatic cuts described above. It remains to be seen whether a new debt ceiling increase is included as part of a larger agreement encompassing the expiring tax provisions and impending spending cuts, or whether it is debated on its own.

Refer a friend
To find out more click here

Student Loan Legislation Halts Loan Rate Increase for One Year

Congress has come through for students anticipating (?) an interest rate increase. The legislation stopped the interest rate on federal subsidized Stafford Loans from jumping to 6.8% from 3.4% on July 1, 2012, for new college borrowers. The rate freeze is effective for one year.

Bradford Lee from Focus Point Financial provided the following:


In 2007, Congress passed the College Cost Reduction and Access Act, which reduced the interest rates on subsidized Stafford Loans gradually over the next four academic years–from 6.8%, to 6.0%, to 5.6%, to 4.5%, and finally to 3.4%–with the provision that the rate would revert to 6.8% this July 1. With the nation’s outstanding student loan debt topping $1 trillion and the rise in college costs continually in the news, Congress came under pressure to halt the expiration of the 3.4% rate.

What does the new legislation do?

Under the new legislation:

  • Rates on subsidized Stafford Loans will remain at 3.4% for undergraduates for one more school year–until July 1, 2013.
  • As of July 1, 2013, undergraduate students with a subsidized Stafford Loan will have a maximum of six years of in-school status where the federal government will pay the interest on the loans while the student is in school. (Previously, the government paid the interest for as long as it took a student to get a diploma.)

The Congressional Budget Office has estimated that this one-year interest rate freeze will cost the federal government $6 billion. It will be paid for primarily by reforms to the pension system.

What is a subsidized Stafford Loan exactly?

A Stafford Loan is a low-interest, federal loan made to undergraduate and graduate students who are attending college at least half-time. Stafford Loans come in two types–subsidized and unsubsidized.

With subsidized Stafford Loans, the federal government pays the interest that accrues on the loan while the student is in school, during any deferment periods, and for six months after graduation (hence the name “subsidized”). With unsubsidized Stafford Loans, students are responsible for paying the interest that accrues during the school year and deferment periods.

Subsidized Stafford Loans are the most popular federal education loan for student borrowers. Last year, the government estimates that approximately 7.5 million undergraduates and 1.8 million graduate students took out subsidized Stafford Loans. (As a reminder, as of July 1, 2012, graduate students will no longer be eligible for subsidized Stafford Loans.)

Subsidized Stafford Loans are based on financial need (as determined by the federal government’s financial aid application, the FAFSA); unsubsidized Stafford Loans are not. The interest rate on unsubsidized Stafford Loans is fixed at 6.8% for new borrowers.

Obamacare 2012 and Beyond


  • Part D cost sharing for full-benefit dual eligible beneficiaries receiving home and community-based care services will become equal to the cost for those who receive institutional care.
  • Medicare payments will be reduced to hospitals by specified percentages to account for excess (preventable) hospital readmissions.
  • Rebates for Medicare Advantage plans will be reduced but high-quality Medical Advantage plans will receive bonuses.
  • Collection and reporting of data on race, ethnicity, sex, primary language, disability status and for underserved rural and frontier populations will be required.


  • US citizens and legal residents will be mandated to have qualifying health coverage (phase-in tax penalty for those without coverage).
  • Employers with 50 or more employees that do not offer coverage and have at least one full-time employee who receives a premium tax credit will be assessed a fee pf $2,000 per full-time employees, excluding the first 30 employees.

Additional Obamacare Reforms Taking Place in 2010

  • States that require insurance companies to explain premium increases will be eligible for $250 million in new grants. Companies with unreasonable rate hikes will be retracted from the 2015 new health insurance exchanges
  • Funding will be made available to help expand the primary card work force – including money for scholarships, for loan repayments and for those professionals working in underserved locations.
  • A $15 billion Prevention and Public Health Fund – to prevent disease and illness – will be established.
  • Funding will be made available to support the construction and expansion of community health centers in order to serve 20 million new patients nationwide.
  • Funding will be made available to provide increase payment to help health cared providers who work in rural communities. (Currently, 68 percent of underserved communities are rural.)

Obamacare Provisions starting September 23 2010

  • Coverage will be extended so that young adults, up to age 26, can remain on their parents’ plans when alternative insurance coverage is not available.
  • All new plans must provide free, preventive health care services without charging a deductible, co-pay or coinsurance.
  • Insurance companies will be restricted from denying coverage due to an error or technical mistake on the customer’s application.
  • External review process will be established for consumers to be able to appeal coverage or claim determinations.
  • Lifetime and annual dollar limits on essential benefits like hospital stays will be prohibited.
  • For new and existing group plans, denying children under 19 coverage due to a preexisting condition will be illegal.

Summary of the New Financial Reform Law

Here is a summary of the New Financial Reform Law. Whether it’s a good law is not an issue here, I’m just providing this for you to see.


From Brad Lee, Focal Point Financial

The financial reform bill recently signed into law is an attempt to address some of the problems that contributed to the 2008 financial crisis. The legislation, officially known as the Dodd-Frank Wall Street Reform and Consumer Protection Act, is considered the most wide-ranging overhaul of the U.S. financial system since the aftermath of the Great Depression. Because the problems it addresses are complex, the legislation itself is complex; much of the real impact will be felt only after regulations are developed to implement the law’s provisions. Also, some provisions, such as those dealing with lending practices, will have a direct impact on individuals and investors; others will primarily affect the ways in which Wall Street functions. This is only a brief summary of some key provisions; consult your financial professional to see how these changes may affect you.

Credit and lending practices are revised

The Act requires originators of residential mortgages to disclose any conflicts of interest and compare costs and benefits of mortgages offered to a potential borrower. Lenders also will be required to verify whether, based on income, credit history, and other data, a borrower has a reasonable ability to repay a loan plus its associated taxes, insurance, and other costs. This could mean that self-employed people and others whose income is undocumented or irregular will need better documentation to qualify for a loan.

Lenders will no longer be able to give loan officers financial incentives that induce them to steer customers to a mortgage with a higher interest rate simply to increase their own commission. Their ability to impose prepayment penalties when a borrower repays a loan early also will be more limited, and a holder of a hybrid adjustable rate mortgage must receive notice of any change in the interest rate six months in advance.

Lenders are prohibited from refinancing an existing mortgage unless the new mortgage offers a net benefit to the borrower, and they may not coerce or induce an appraiser to make a faulty appraisal of a property’s value. Loan applicants must receive a copy of the appraisal on the property no later than three days prior to the closing.

High-cost mortgages are subject to special regulations. Any balloon payments on high-cost mortgages cannot be more than twice as large as the average of earlier payments, and a borrower must receive qualified counseling on the advisability of a high-cost mortgage before credit can be extended.

Homeowners who are unable to make mortgage payments as a result of losing their jobs or because of a medical condition may now qualify for up to $50,000 in assistance loaned through HUD’s existing Emergency Mortgage Assistance Fund.

Increased protection of bank deposits becomes permanent

During the financial crisis, the Federal Deposit Insurance Corp. (FDIC) temporarily increased from $100,000 to $250,000 the amount it will insure on deposit accounts in FDIC-insured banks. The $250,000 limit is now permanent. That means that a couple who each had separate deposit accounts as well as a single joint account could qualify for up to $750,000 worth of protection on those accounts.

Greater transparency and accountability for investments and related services

Institutional investors’ inability to determine the amount of global financial exposure to derivatives–investments based on the value of other investments–contributed to the panic at the height of the financial crisis. Over-the-counter derivatives must now be traded on a public exchange, and trades must be cleared through a registered clearinghouse. Nonstandard derivatives can still be traded privately, but must be reported to a central authority in order to increase regulators’ ability to monitor the overall level of activity.

Hedge funds and private-equity advisors will be required to register with the Securities and Exchange Commission (SEC) and disclose to the commission information such as investment positions and the amount of leverage involved. Also, the $1 million minimum net worth required to be an accredited investor eligible to invest in such funds will no longer include a principal residence, and that $1 million threshold will be reviewed every four years.

Credit rating firms, which were criticized for being too lax in their evaluations of securities based on subprime mortgages, will be subject to oversight by the SEC, which can fine those that issue too many faulty ratings over time. Also, investors will now have the right to sue an agency for issuing ratings it knew or should have known were flawed.

Shareholders of public companies will have the right to a nonbinding vote on compensation for the company’s executives. Also, protections for people reporting securities law violations have been enhanced. Whistle-blowers with information that leads to monetary sanctions of more than $1 million will be eligible for 10 percent to 30 percent of the funds collected from the offender; if an employer retaliates, a whistle-blower can sue without waiting until administrative remedies have been exhausted.

An Investor Advocate office will be established within the SEC to help individual investors resolve significant problems and to promote investor interests.

Risky banking practices are addressed

Banks will be required to hold additional capital to cover potential losses, and some securities are no longer acceptable as vehicles for capital reserves held by large banks. Banks also will be required to retain at least 5 percent of a loan on their books if the loan is sold and/or repackaged with other loans and securitized. (However, some relatively low-risk mortgages, such as fully documented loans with a fixed interest rate, are exempted.)

Banks also will be more limited in their ability to engage in proprietary trading in their own accounts, which could represent a conflict of interest with their responsibility to their clients. They also will have to set up separate operations to handle their most risky derivative trades, such as swaps. A bank will not be permitted to invest more than 3 percent of its core capital in hedge funds and private equity, but it may still organize and offer them as long as certain conditions are met.

A Consumer Financial Protection Bureau overseen by the Federal Reserve will be created to regulate consumer financial products and services.

Systemic risk will be monitored, and liquidation of large banks will be overseen

A new Financial Stability Oversight Council is charged with assessing and managing risks that could threaten the entire U.S. financial system. Also, the FDIC will manage the liquidation of a bank whose failure the Treasury Secretary determines would disrupt the stability of the nation’s financial system. That will include firing corporate management responsible for the failure and prohibiting any payments to shareholders until all other claims are paid. The FDIC may borrow from an Orderly Liquidation Fund to pay for a liquidation, but those costs must be replenished not from taxpayer funds but from claims on the bank and, if necessary, assessments on large financial institutions. The Act does not permit the Federal Reserve or the FDIC to lend to or provide a guarantee for individual or insolvent companies or banks, but both may lend funds to provide liquidity.


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