Vanguard Improves Quality For Investors

June 7, 2009 – 1:13 am

While it looks ugly for most money market funds, the Vanguard Group Inc. is working at keeping their investors in the plus rather than the negative.

By merging two of its Treasury funds, it hopes to be able to keep investors moneystaying positive. Rebecca Cohen simply states it this way, “By moving the assets to a lower-cost fund, we can better preserve yield.”

There is now a $10,000 daily limit on existing retail accounts, and new accounts can no longer open a Federal Money Market Fund. You might be wondering why they would stop you from opening one of these accounts.  As stated further by Ms Cohen, the decision to limit deposits in the Federal Money Market Fund, which had a seven-day yield of 0.33%, also is an effort to keep the fund’s yields positive.

This is a wise move for the Vanguard Group, as this will ensure that current investors do not leave and invest elsewhere, and yet they will still be able to get new accounts based on the understanding that they truly are looking out for clients investments.


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Does Colon Cleansing Work as Advertised?

January 9, 2009 – 12:15 am

Do you really need to spend money on a colon cleansing plan?  Do we really have waste material stuck to the inside of our colons like Spackle? Really?  Well those are the claims made in the Evercleanse colon cleansing radio advertisements.  I can’t go one hour listening to the radio without hearing it.  I admit I am curious and I certainly have an extra few pounds to lose.  But are our bodies really clogged up like that?

I have seen similar claims made by other cleansing products and I am on the fence with where I stand.  I think the cleaning of any system has benefits.  Flushing away toxins and build up makes sense, but could I really be carrying around 12 extra pounds in just that area alone.  I have read Evercleanse reviews and they all seem to speak favorably so there is some legitimacy to the claims.

But the real truth of the matter is that you can destroy good bacteria in the digestive tract and causing more damage than good. Save your money and eat more fiber. There are however some scams that are related to colon cleansing so just to save your self the headaches of your credit card being charged multiple times, stay away from them.


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Changes in the Federal Firearms License Application

November 7, 2008 – 12:50 am

One of the parts I hate about every presidential election year is that things change when it comes to the Federal Firearms License procedures and application process. It’s hard enough to get your FFL, but when election time rolls around everything seems to go up in the air.

Why? I’m not sure and that is the frustrating part. With the ATF and FBI background checks taking so long anyways, if you don’t already have your FFL, good luck getting it. I have been helping people get their FFL for sometime now and it seems to get harder each year.

Maybe with McCain and Palin (so hot!) running for the election thing might be changing. In the meantime I have put together a resource kit on how to get your FFL quickly and easily. Even though it seems you have to jump through lots of hoops and paperwork (well, you really do) it can be done. Sometimes it just helps to have someone put it in writing so that you know what to put in your FFL application that can get your FFL approved on the first time it is submitted.


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