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Security
6 hours ago

Influencers, celebrities and other people with strong online followings can be, well, influential. When considering whether you want to buy something or use a service – especially when you’re buying online – you might look at a person’s or company’s social media. A bigger following might mean something to you, maybe telling you something about their legitimacy or how good their product or service is.

A company called Devumi knew that and sold fake followers to help people and organizations gain strong “followings.” The FTC has reached a settlement with Devumi for its illegal actions that deceived consumers.

So how did Devumi work? It operated several websites, including Devumi.com, TwitterBoost.co, Buyview.co, and Buyplays.co. People could go to these pages and buy fake followers, subscribers, views and likes for their social media accounts. That included accounts on Twitter, LinkedIn, YouTube, Pinterest, Vine and SoundCloud.

So how can you be sure that the person or company you’re interested in has real followers? Truth is, you can’t be sure.

So, as you’re shopping online, go beyond the number of followers and likes. Check out independent reviews of the product or service. Of course, those can be faked, too, so read a bunch of reviews to see what you can figure out. Also, search onllne for the name of the product or service, plus the word “complaint.” Looking for more tips about shopping online? Check out Comparing Products Online.

How Much
11 hours ago

The global economy has expanded rapidly over several centuries. Through depressions, wars, and other events, the world economy has continued to develop at an exponential rate. Starting at about $184 billion in the year 1 AC, the world’s GDP has risen to an astounding $120 trillion.

However, while the world’s GDP is as high as it has ever been, the world economy still faces a number of issues. Despite immense global wealth, a large number of countries struggle with extreme poverty and economic fragility. With these themes in mind, we gathered 10 of our visualizations to illustrate the complexities of the world economy.

  • The U.S. economy has steadily grown since the Great Recession; however, it may finally be starting to slow down.
  • Services make up the largest portion of the world’s GDP, followed by industry, then agriculture.
  • Some of the world’s largest economies are also some of the most fragile.
  • The world’s GDP has increased at an incredible rate over the years despite economic hardships, wars, and other major events.

How GDP Changed Through Written History

This first visualization illustrates the growth of the world economy, dating back to 3000 BC. This graphic also demonstrates how new methods for exchanging goods have developed. While we once relied on the barter system, civilization has evolved to use paper money and credit cards to drive economic growth.

 

Today’s Economic Leaders and Laggards of the World

We can start to take a deeper look into the world economy by analyzing each country’s GDP per capita. This metric places a value on each country’s economic output produced by each person who lives in the country.

 

You’ll notice that major economic powers like China have relatively low GDPs per capita despite having very high GDPs. While these countries have high economic output, the GDP per capita paints a more accurate picture of the standard of living in these nations.

Does a Low Cost of Living Help the Ones Behind Catch Up?

Purchasing power parity (PPP) is a common metric for comparing economies between countries as it accounts for the differences in standards of living when comparing the economic output.

 

Based on this metric, we can see that the United States economy has grown every year since the Great Recession, though some think it may finally be slowing. Interestingly, when you look at GDP adjusted for purchasing power, China surpasses the U.S. China’s low cost of living drives the base $13.61 trillion to $25.36 trillion.

Those Who Feed Us Tend to Come From Developing Economies

These next three graphics visualize the importance of three sectors in the world’s economy.

 

Above, you can see that agriculture plays a surprisingly small role in the world economy, accounting for only 3% of the world’s GDP. Developed nations with powerful economies tend to depend less on the agriculture industry than underdeveloped countries around the world.

Does Dominating Industry Get You Ahead?

Industry plays a much more substantial role in the world economy than agriculture. This sector accounts for a significant 25% of the world’s GDP and is particularly important in developing countries.

 

In general, industry as a share of total GDP is highest in the Middle East, East Asia, and sub-Saharan Africa.

Or We Reward Service Based Economies?

The services industry is by far the largest contributor to the world’s economy. Services account for at least 50% of the GDP in over half of the world’s countries and about 65% of the world’s GDP.

 

Services as a percentage of GDP is generally highest in developed nations, such as the United States. In the U.S. services account for an astounding 77% of the GDP.

The Largest Recipients of Investment

Countries with large budget surpluses have to find something to do with their extra cash. Since domestic investment opportunities are limited, many countries turn to foreign direct investments (FDI). These are investments made in companies located in foreign nations.

 

China and the United States are, by far, the biggest beneficiaries of FDIs. These investments are generally a good thing as they contribute to job growth in the nations receiving these investments.

Also Invest in Their Future

Research and development (R&D) is seen by many as a great indicator of long-term economic strength. Investing in R&D allows countries to make meaningful advances in important sectors, which allows these countries to improve their economies. This can include anything from artificial intelligence to agriculture.

 

Unsurprisingly, countries with high GDPs spend more on research and development than other nations. The U.S. and China, in particular, spend far more on R&D than any other country in the world.

Not All Giant Economies Have Secure Economic Stability

A high GDP isn’t always indicative of a strong economy. Hard data such as economic indicators, security, strength of factions, and other indicators are used to measure the fragility of economies around the world.

 

While China and the U.S. are the world’s largest economic powerhouses, neither country makes it into the top 10 most stable countries in the world. Instead, this list is dominated by European nations such as Finland, Norway, and Switzerland. Meanwhile, many of the world’s most unstable economies are found in Africa.

Yet, Countries With Minimal Economies Tend to Suffer Extreme Poverty

Lastly, extreme poverty is often used as a metric to measure quality of life in countries around the world. While we often focus on the wealth of the world’s nations, it’s just as important to understand how much of the world’s population is living below the international poverty line.

 

The United States has a fairly low extreme poverty rate, as does China, England, Japan, and many other major economies. Meanwhile, in countries like Somalia, the majority of the population is living under extreme poverty.

The world economy is very complex and interconnected. While the world economy may be dominated by a select few countries, every country plays an important role in the development of the global economy. By examining these 10 visualizations, we can see how the world economy has performed throughout history and where it might be going next.

So what really drives the global economy? Does investment in a country payoff, or is it wasted spending? Let us know your thoughts.

 

HowMuch.net is a cost information website 

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How to Win in Court
11 hours ago

The chart shows how you can enforce your Constitutional right to "redress grievances" ... i.e., how your Constitutional Power works!

This chart is just an overview, of course.

It's not enough to win in court!

But, it's critically important for you to print it, study it, understand it, and tell everyone you know that your power to enforce your rights is IN THE COURTS ... not the polling booth!

Those who refuse to learn this truth and uphold our American principles of Law & Order are no "patriots".

Nor are they people you can trust to tell you how to get justice.

Most of you have taken a sacred oath before God to uphold the Constitution of the United States, yet most have no idea how to enforce the rights our Constitution guarantees!

Our courts are the only way you can get your "redress of grievances" government promises.

Use the courts to get justice for yourself.

For information on the “How to Win in Court” online course, click HERE  

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Taxbot
11 hours ago

 

Medicare Open Enrollment for 2020 runs Friday, November 1 to Sunday, December 15, 2019. Coverage starts January 1, 2020.


Open enrollment is upon us. I am not talking about college admission either unless you got away paying $500,000 as a “contribution.” Only kidding.

If you are eligible for Medicare and for most health insurance on the exchange, you can enroll without any medical questions or switch companies. So what should you choose? Here are some ideas for your consideration:

1If you are healthy, a high deductible medical plan may be the least expensive option. because it typically comes with lower premiums than other plans and usually qualifies for health savings account contributions if you are not under Medicare. To be eligible for a Health Savings Account, you would not be under Medicare and have a plan deductible of at least $1400 if single, or $2,800 if you are a family of two or more people.

2A preferred provider option (PPO) policy with a lower deductible and high premium may be a good choice if you have a condition that requires you to visit health care providers frequently. These PPOs don’t require you to get a referral from a primary care physician too. A HMO (Health Maintenance Organization) do require that you get a referral to a specialist from your primary care physician. Although these HMOs are usually less expensive than PPOs, I don’t recommend them unless you simply can ‘t afford the PPO. The reason is that HMOs have gotten a bad rap recently in being stingy on referrals in order to cut medical costs.

3Medicare Advantage plans vs Original Medicare:: These alternatives have been available and have puzzled consumers for decades. So which is better? I am sure that you have seen commercials from various medical providers such as Humana, that you can get all of your normal Medicare offers PLUS additional benefits such as dental, eye glass coverage, gym memberships and even possibly transportation to the doctor at a lower cost than Medicare and supplements including a drug supplement. While it is true that Medicare Advantage plans are generally less expensive than Medicare not to mention offer more coverage’

Medicare advantage plans also include what would normally be a Medicare supplement and drug supplement. Thus, you only have to issue one monthly check to the company sponsoring this. With original Medicare, you may be able to pay for Medicare via withholding from your Social Security but might have to issue separate checks for the supplement and drug supplement companies,which can be different companies.

Despite these advantages, Medicare Advantage plans do have some big hidden problems:

First Medicare Advantage plans are NOT Medicare. Thus, doctors and hospitals that take Medicare patients do not necessarily take Medicare advantage patients. This is a big deal sine the nationwide network of Medicare providers is much bigger than that found in Medicare Advantage plans. 

Also, because of the wider network of doctors and clinics for Medicare, Medicare becomes a LOT more portable if you switch to a new state or travel around the U.S than that of Medicare advantage plans.

Thus, you really need to think about these factors before you choose a Medicare Advantage plan. Personally, If money isn’t a big issue, I would choose original Medicare with a Medicare supplement and drug coverage supplement.

If this is too expensive for you to afford, the next best solution would be a PPO plan under a Medicare Advantage plan. Finally, the last choice I would recommend would be a HMO Medicare Advantage plan that requires you to get a referral to a specialist.

Sandy Botkin  Co-founder at Taxbot

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Sandy is a CPA, Tax Attorney, and former IRS trainer. He has authored many helpful books on the subject of taxes, including 7 Simple Ways to Legally Avoid Paying Taxes ( Click Here ), Lower Your Taxes: Big Time ( Click Here ), and Real Estate Tax Secrets of the Rich ( Click Here ).

Money Professor
12 hours ago

 

This blog was originally published by American Equity

Get tips on what to do if you're 10, 5 or 1 year out from retirement

What is your current retirement outlook? If you’re 10 years or less from retirement, does getting everything in order seem like too much to process? Do you know where to even start?

According to a 2018 survey by the Indexed Annuity Leadership Council (IALC), 79 percent of workers surveyed admitted to expressing worry about their retirement.1

The survey also found workers who feel unprepared for retirement lack information about retirement planning, with approximately half feeling only a little or not at all informed.1

When it comes to retirement, here are some important ages to remember:

  • 50: The age when you can defer paying income tax on more of your qualified retirement plan contributions (“catch-up contributions”)2
  • 59 ½: The age when you can begin withdrawing funds from qualified plans, such as 401(k)s and IRAs, and annuity contracts without incurring a 10 percent federal penalty (unless an exception applies for early distributions)3
  • 62: Earliest age when you can start receiving Social Security retirement benefits4
  • 70 ½: The age when you must begin taking annual distributions from your qualified retirement plans, except Roth IRAs 5

Whether you’re 10, 5 or 1 year away from retirement, here are some important tips that may help put you at ease with your planning.

10 Years from Retirement

The IALC survey reported workers regretted not saving enough when it came to retirement planning. In fact, 40 percent of workers surveyed claimed their biggest mistake in retirement planning was not saving earlier.1

Have you started to think about your retirement date, and if you can afford to retire within the next decade? If you don't think you can afford to retire in the next decade, you might need to evaluate your retirement income sources, such as your company's 401 (k) plan, annuities, or other financial investments.

During this pre-retirement period, you should consider evaluating all your potential income sources for retirement. A retirement planning tool that can help is the Social Security Administration’s website.

The Social Security Administration allows you to set up a free account where you can receive personalized estimates of future benefits based on your earnings, get your latest Social Security statements and review your earnings history.6

Five Years from Retirement

One third of workers think they will spend more during retirement on daily expenses and activities, as compared to their current expenses, while two-thirds of workers believe they will actually spend less, according to the IALC survey.1

What kind of lifestyle do you want in your retirement, and are you financially prepared to pay for it?  According to a 2014 survey conducted by the Bureau of Labor Statistics, total yearly expenses for those surveyed averaged $49,279 for households with people age 55 and older.7

It’s important to take inventory of your assets and annual expenses so you can identify any gaps between your income and expenses.

The Bureau of Labor Statistics also stated survey participants reported housing is the greatest expense for households with a person age 55 or older.7 Think about where you want to live and what type of house, condo or apartment would be best for you in your golden years, and remember to calculate that into your expenses.

Health care is another major expense during retirement. The Lifetime Medical Spending of Retirees report stated people incur an average of $122,000 in medical expenses, including Medicaid payments, between the age of 70 and throughout their remaining years.8

Next on the list is to make sure you have a plan for health insurance, especially if you retire before age 65, which is when Medicare coverage can begin.9

Five years out from retirement is a good time to review and, if necessary, update your estate plan. Have you named the proper beneficiaries or pay-on-death designees on all of your accounts and policies?

A survey from Caring.com, a company that specializes in senior care, showed only 42 percent of U.S. adults surveyed have prepared estate planning documents, including a will or living trust. In contrast, 81 percent of adults surveyed, who were 72 or older, reported having either a will or living trust.10

Another important estate-planning document is a power of attorney (POA). A POA allows you to designate someone you trust to make important decisions for you in case you are not able to do so in the future. A financial POA allows you to designate someone to make financial decisions for you. A medical POA allows you to designate someone to make medical decisions for you.

The Caring.com survey also showed 83 percent of Americans surveyed over the age of 72 have executed a health care power of attorney.10

It’s important to make sure all necessary legal documents concerning your estate are up to date. Keep in mind, estate-planning documents are important legal documents, which should be prepared by a licensed attorney.

One year from Retirement

At one year out, retirement might seem right around the corner. You’ve spent the last decade making sure your finances and savings are in order; now it’s time to make sure you’re ready for a lifestyle change. That might even mean continuing to work in some type of professional capacity. Nearly 25 percent of Americans age 65 and older without a disability are participating in the current labor force.11

Leaving one type of profession might open the door to another in your post-retirement years. You can also make the choice to stay involved in your previous workplace, just in a different role. A retired teacher might become a substitute for the local school district, and a business executive might look into becoming a management consultant.

This is a point where you can choose how you want to earn additional income in retirement. Another important decision to make is how to spend your free time.

Social networks are often built around jobs and professions. It’s important to invest time and resources into physical and mental health and building up a new social network during retirement. This could include getting a gym membership and attending group exercise classes, joining a senior center or finding other social activities outside of work.

In preparing to retire, you have to take all of your financial, health and lifestyle decisions into account. The earlier you start making decisions about life in your golden years, the better off you may be.

While it may seem like a lot all at once, a checklist can help keep your tasks in order, especially as your retirement date gets closer. Download our pre-retirement checklist  so you can start preparing for your future, whether retirement is a decade or just months away.

Footnotes

  1. Footnote 1Indexed Annuity Leadership Council “Survey of America’s Workforce: A Study of Retirement Readiness by Industry and Occupation” 2018
  2. Footnote 2 I.R.C. § 219(b)(5)(B)(i) (2018).
  3. Footnote 3I.R.C §72(t)(2)(A)(i) (2015).
  4. Footnote 4Social Security Administration “Benefits Planner: Retirement” 
  5. Footnote 5I.R.C §401(a)(9)(C)(i) (2018).
  6. Footnote 6Social Security Administration “Social Security”
  7. Footnote 7United States Department of Labor Bureau of Labor Statistics “A closer look at spending patterns of older Americans” 2016
  8. Footnote 8National Bureau of Economic Research “The Lifetime Medical Spending of Retirees” 2018
  9. Footnote 9Medicare.gov “Getting started with Medicare”
  10. Footnote 10Caring.com “More Than Half of American Adults Don’t Have a Will, 2017 Survey Shows” 2017
  11. Footnote 11United States Department of Labor Bureau of Labor Statistics “Databases, Tables and Calculators by Subject

The content is provided for informational purposes only and does not constitute advice. For specific details on how this may apply to your personal situation, contact your personal financial advisor or insurance agent for more details. American Equity contracts are only sold through independent agents. Please contact your state insurance department to see if there is an independent insurance agent in your area appointed to sell American Equity annuity contracts.
American Equity Investment Life Insurance Company® does not offer legal, investment, or tax advice. Please consult a qualified professional.

Hard Assets Alliance
12 hours ago

Hard Assets Alliance was created as a cooperative of investment professionals who believe there's a better way to invest in precious metals. This is a guest perspective on the markets from one of these partners; we hope you enjoy it.

 

For years, currency analysts have looked for signs of an international monetary “reset” that would diminish the dollar’s role as the leading reserve currency and replace it with a substitute agreed upon at some Bretton Woods-style monetary conference.

 

That push has been accelerated by Washington’s use of the dollar as a weapon of financial warfare, including the application of sanctions. The U.S. uses the dollar strategically to reward friends and punish enemies.

 

The use of the dollar as a weapon is not limited to trade wars and currency wars, although the dollar is used tactically in those disputes. The dollar is much more powerful than that.

 

The dollar can be used for regime change by creating hyperinflation, bank runs and domestic dissent in countries targeted by the U.S. The U.S. can depose the governments of its adversaries, or at least blunt their policies without firing a shot. But for every action, there is an equal and opposite reaction.

 

As the U.S. wields the dollar weapon more frequently, the rest of the world works harder to shun the dollar completely.

 

I’ve been warning for years about efforts of nations like Russia and China to escape what they call “dollar hegemony” and create a new financial system that does not depend on the dollar and helps them get out from under dollar-based economic sanctions. These efforts are only increasing.

 

Russia has sold off almost all of its dollar-denominated U.S. Treasury securities and has reduced its dollar asset position to almost zero. It has been amassing massive quantities of gold, and has increased the gold portion of its official reserves to over 20%.

 

Russia has about 2,000 tonnes of gold, having more than tripled its gold reserves in the past 10 years. It has actually acquired enough gold to surpass China on the list of major holders of gold as official reserves.

 

This combination of fewer Treasuries and more gold puts Russia on a path to full insulation from U.S. financial sanctions. Russia can settle its balance of payments obligations with gold shipments or gold sales and avoid U.S. asset freezes by not holding assets the U.S. can reach.

 

And Russia is providing other nations a model to achieve similar distance from U.S. efforts to use the dollar to enforce its foreign policy priorities.

 

Certainly any talk of a monetary reset must involve China.

 

Despite its present weakness, China is still the second-largest economy in the world and the fastest-growing major emerging market. Like Russia, China is amassing gold, and likely has far more gold than it officially lists. It has also been helping to suppress gold prices so that it can buy gold cheaply without driving up the price.

 

Europe has also shown signs that it wants to escape dollar hegemony. For example, German Foreign Minister Heiko Maas has called for a new EU-based payments system independent of the U.S. and SWIFT (Society for Worldwide Interbank Financial Telecommunication) that would not involve dollar payments.

 

As I said earlier, SWIFT in the nerve center of the global financial network. All major banks transfer all major currencies using the SWIFT message system. Cutting a nation off from SWIFT is like taking away its oxygen.

 

In the longer run, these are just more developments pushing the world at large away from dollars and toward alternatives of all kinds, including new payment systems and cryptocurrencies. The signs of a reset are everywhere, but at least for now the dollar is still king of the hill.

 

The dollar still represents about 60% of global reserve assets, 80% of global payments and almost 100% of global oil sales. With such a dominant position, the dollar will not be easy to replace.

 

Still, the trends are not good for the dollar. The international reserve position may be 60%, but as recently as 2000 it was over 70% and just a few years ago it was still at 63%. That trend is not your friend.

 

Meanwhile, Europe has remained a faithful partner to the U.S. and has gone along with sanctions against Iran, for example. That’s because European companies and countries that violate U.S. sanctions can be punished with denied access to U.S. dollar payment channels.

 

But now, Europe is also showing signs it wants to escape dollar hegemony. German Foreign Minister Heiko Maas has called for a new EU-based payments system independent of the U.S. and SWIFT that would not involve dollar payments.

 

In the short run, Europewill probably go along with the U.S. because it doesn’t want to lose business in the U.S. itself or be banned from the U.S. dollar payments system.

 

But in the longer run, this is just one more development pushing the world at large away from dollars and toward alternatives of all kinds, including new payment systems and cryptocurrencies.

 

It’s also one more sign that dollar dominance in global finance may end sooner than most expect.

 

Another challenger to the dollar is the IMF’s special drawing rights or SDRs. The SDR is a form of world money printed by the IMF. It was created in 1969 as the realization of an earlier idea for world money called the “bancor,” proposed by John Maynard Keynes at the Bretton Woods conference in 1944.

 

The bancor was never adopted, but the SDR has been going strong for 50 years. The IMF could function more like a central bank through more frequent issuance of SDRs and by encouraging the use of “private SDRs” by banks and borrowers.

 

At the current rate of progress, it may take decades for the SDR to pose a serious challenge to the dollar. But that process could be rapidly accelerated in a financial crisis where the world needed liquidity and the central banks were unable to provide it because they still have not normalized their balance sheets from the last crisis.

 

In that case, the replacement of the dollar could happen almost overnight. Individuals will not be allowed to own SDRs, but you can still protect you wealth by buying gold. That’s what Russia and China are doing.

 

Both countries have more than tripled their gold reserves since 2009. But attacks on the dollar are not limited to gold or SDRs themselves. The most imminent threat to the dollar actually comes from a combination of gold and digital currency.

 

The fact that Russia and China have been acquiring gold is old news. Still, there are practical problems with using gold as a form of currency, including storage and transportation costs. But Russia is solving these transactional hurdles by combining its gold position with distributed ledger, or blockchain technology.

 

Russia and China could develop a new cryptocurrency that would be transferred on a proprietary encrypted ledger with message traffic moving through an internet-type system not connected to the existing internet. Other countries could be allowed into this new system with permission from Russia or China.

 

The new cryptocurrency would be a so-called “stable coin,” where the value was fixed with reference either to a weight of gold or another standard unit such as the SDR. Goods and services would be priced in this new unit of account. Periodically, surpluses and deficits would be settled up in physical gold.

 

Such net settlements would require far less gold than gross settlements (where every transaction had to be paid for in real-time). This type of system (also called a “permissioned blockchain”) is not pie-in-the-sky, but is already under development and will be deployed soon. But you can count on the U.S. government being the last to know.

 

The development of a gold-backed digital currency is just one more sign that dollar dominance in global finance may end sooner than most expect. And we may be getting dangerously close to that point right now.

 

Regards,

 

Jim Rickards

 

Jim Rickards is an American lawyer, economist, and investment banker with 35 years of experience working in capital markets on Wall Street. He was the principal negotiator of the rescue of Long-Term Capital.

 

 We hope you have enjoyed this article by our guest writer. For your convenience, you can click here and you will be directed to Hard Assets Alliance where you can open an account or fund you existing account today.

 

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How to Win in Court
October 21, 2019

 

You must know how to do these things!

  • Draft proper pleadings with all fact elements
  • Obtain necessary evidence before trial
  • Make effective oral motions
  • Draft effective written motions
  • Use online legal research
  • Draft compelling memoranda
  • Insure a written record of all proceedings
  • Object promptly to all errors of opponent
  • Object promptly to all errors of judge
  • Renew objections to all un-cured errors of judge
  • Keep your opponent's evidence out
  • Get your evidence in
  • Stop opponent from proposing false orders
  • Offer to draft all orders
  • Stop opponent's lawyer from testifying
  • ... and much more ... !

 

You risk losing if you don't know how to do these things.

Learning how to do these things is easy.

My "How to Win in Court" course shows how!

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How to Win in Court
October 18, 2019

I have a T-shirt that says "Freedom is not Free!"

Patrick Henry said, "Give me Liberty or give me death!"

Liberty is what we seek.

  • Liberty to own a home.
  • Liberty to run a business.
  • Liberty to enjoy life.

But, there's a crack in the Liberty Bell ... a warning.

The promise was "Justice for ALL".

But "ALL" do not get Justice!

And, Liberty without Justice is impossible!

War and public protests alone can never secure Justice for ALL.

Take the "justice business" away from lawyers.

Open the courthouse doors to EVERYONE!

Justice should not be a business!

Justice is a sacred right!

Get justice for yourselves and your loved ones without a lawyer.

 

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How Much
October 16, 2019

Poverty presses at the core of humanity. We often judge the best of us by the least of us. Most of us already know that much of the world’s population lives in extreme poverty. But just how prevalent is this issue? Using data from 2018, we created an easy-to-read visualization to chart the total number of people living in extreme poverty in countries around the world.

  • The U.S. poverty rate has fallen for the fourth consecutive year.
  • The U.S. metric for measuring poverty is considered misleading as it undercounts people suffering from economic deprivation.
  • International poverty rates are already high and may be worsened by the trade war.
  • In the United States, people of color are disproportionately affected by poverty compared to white people. 

For our visualization, we pulled 2018 population data from The World Bank as well as data from the Bill & Melinda Gates Foundation’s 2019 Goalkeepers report. This is an annual report that focuses on the progress achieved toward the Sustainable Development Goals (SDGs), 17 ambitious goals the member states of the United Nations committed to reaching by 2030.

To obtain the figures used in the visualization, we multiplied the population of each country by the extreme poverty rate. We then visualized this data using circles for each country. The bigger the circle, the higher the number of people living in extreme poverty. For figures smaller than 1,000 the country is represented with a “<1,000” label. 

Countries With The Highest Extreme Poverty Rates

1. Somalia: 99.2% 
2. Central African Republic: 80.92% 
3. Burundi: 77.72% 
4. North Korea: 70.58%
5. Madagascar: 69.77%
6. Democratic Republic of Congo: 68.84%
7. Malawi: 67.56%
8. Yemen: 64.51%
9. Sierra Leone: 59.55%
10. Guinea-Bissau: 53.88%

By analyzing this data, we can see how many people across the globe are living under the international poverty line ($1.90/day). While several countries have an estimated extreme poverty rate of 0%, poverty is a much larger issue in other countries, such as Somalia, in which the majority of the population lives in extreme poverty.

The United States also has a considerably low extreme poverty rate at 0.97%. However, though the U.S. poverty rate is declining, many suggest that these numbers are misleading and don’t represent the true number of people living in poverty in the country.

Much of the world’s population is living in extreme poverty; however, you might not have realized how serious this issue actually is. By taking a look at our visualization, we can see how much of the world is living in poverty and get a better understanding of how this issue may or may not be improving.

Should the U.S. update its metric for measuring poverty? Why is extreme poverty distributed the way that it is? Let us know what you think in the comments.

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How to Win in Court
October 16, 2019

Many today are angry at our justice system.

Many have good cause to be angry!

Some, however, are too angry!

Their anger will hurt you!

They are blinded by their anger!

You'll recognize them by the anger. They are not your friend! Their "legal theories" fail. They are blinded by rage. Believe them at your peril.

#1 An angry person called insisting she had "copyrighted" her name so the courts couldn't use her name on official papers. To think one can prevent others from using one's name by "copyrighting" it is utter nonsense. Anger twists the mind in strange ways!

#2 Some are convinced our courts are "admiralty courts" and cannot rule in common law or statute, all because there is a yellow fringe on the courtroom flag. This lie has been promoted for years by angry people that don't know (or don't want to make any effort to know) the truth.

#3 Some claim to be "patriots", yet do all they can to evade the Rule of Law and refuse to do anything toward learning the principles of due process so many gave their lives to protect in past and present wars!

#4 Thousands hover around the radio to hear commentators tell them how horrible things are, yet only a handful of talk show hosts encourage us to make things better by exercising our God-given "law power" in court!

I know people are hurting. We've helped tens of thousands of hurting people to get justice in the courts since 1997 when we launched Jurisdictionary and our How to Win in Court Course on the web.

Know how to honor the sacrifices of millions who died to give us "law power" we need to overcome corruption!

Know how to take your grievances to court and get your remedies!

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