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‘We deserve to have a big percentage’: Trump wants a US cut from a possible TikTok purchase from Microsoft



trump tiktok

President Donald Trump’s demand that the U.S. government get a cut from a potential Microsoft purchase of TikTok is the latest unprecedented scenario in an unprecedented situation.

Microsoft is in talks to buy parts of TikTok, a forced sale after Trump threatened to ban the Chinese-owned video app, which claims 100 million U.S. users and hundreds of millions globally. The Trump administration says TikTok is a national-security concern. How a ban would have worked was not clear; that federal authority has never been used before with a consumer app. TikTok denies that it would send U.S. user data to the Chinese government.

Microsoft did not address a potential price when it confirmed the talks.

Trump said Monday to reporters that the U.S. “should get a very large percentage of that price because we’re making it possible,” adding that “we want and we think we deserve to have a big percentage of that price coming to America, coming to the Treasury.” Trump sometimes floats ideas or actions that get set aside without follow-through. Appearing on the Fox Business Network Tuesday, White House economic adviser Larry Kudlow appeared to walk back the idea of a payment to the Treasury, saying “I don’t know if that’s a key stipulation.” TikTok was under review by the Committee on Foreign Investment in the United States, known as CFIUS, a U.S. government group chaired by the Treasury Secretary that studies mergers for national-security reasons, for its acquisition of another video app,, in 2017. The president can approve or disapprove a transaction recommended by the interagency panel. CFIUS collects filing fees, but those top out at $300,000.

“I doubt that’s what Trump has in mind,” said Hal Singer, an antitrust expert and managing director at consulting firm Econ One. “Outside of that I can’t think of any means by which the U.S. could basically get its vig on its forced transfer.” A “vig” is slang for interest on a loan, usually in the context of illegal activity, or the fee charged by a bookie for a bet.

Zeus is the god of the sky, lightning and the thunder in Ancient Greek religion and legends, and ruler of all the gods on Mount Olympus. Zeus is the sixth child of Cronos and Rhea, king and queen of the Titans. His father, Cronos, swallowed his children as soon as they were born for fear of a prophecy which foretold that one of them would overthrow him. When Zeus was born, Rhea hid him in a cave on Mount Ida in Crete, giving Cronos a stone wrapped in swaddling clothes to swallow instead. When Zeus was older he went to free his brothers and sisters; together with their allies, the Hekatonkheires and the Elder Cyclopes, Zeus and his siblings fought against the Titans in a ten-year war known as the Titanomachy. At the end of the war, Zeus took Cronos' scythe and cut him into pieces, throwing his remains into Tartarus. He then became the king of gods.

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10 Useful Tips That Will Help Sleep-Deprived Moms Sleep Better




Help Sleep-Deprived Moms Sleep Better

Sleep-deprived moms that work a lot don’t have the best fortune, especially if they have young infants. Juggling countless responsibilities is increasingly exhausting. As a consequence, they are forced to make compromises, which include sacrificing their sleep. According to research, only 5% of parents sleep eight hours. Most mothers don’t even get seven hours of sleep at night. What’s more worrying is that those with a child under six months have to face harsher times.

Having a child means that losing your sleep is just part of the process. Working moms are at a greater disadvantage. Fortunately, there’s some light at the end of the tunnel. The following are some tips that can help sleep-deprived moms to manage their routines and sleep better.

Help For Sleep-Deprived Mothers
By: Estrada Anton

1.   Eat Healthy

Sleep-deprived moms often seek chocolate and coffee for comfort. However, if you need more energy, then vegetables can come in handy. Nutritionists highlight the importance of a balanced diet for sleep-deprived moms. This is not to say that you should completely take your hands off chocolate or coffee – you can have them occasionally, but you should put some effort into following a healthier diet. This includes protein-rich foods, veggies, and meals that contain plenty of healthy fats. Strike a proper balance – with carbs and high fiber; your bodies can sustain longer and produce the required energy levels.

2.   Have a Massage

Getting a massage is always a great idea, and it’s perfect for all of us mothers who suffer from back pain, soreness, and achiness in the muscle. Single mothers have to give away all their time, and parenting can get quite exhausting for them. If you are a single mother, then make regular visits to a massage therapist. Although it may seem too lavish, it is an investment you make to improve your physical and mental wellbeing to a considerable extent. After all, healthier sleep-deprived moms can take better care of their children.  

3.   Sleep With the Baby

Although every parent wants to sleep when their baby sleeps, it is easier said than done. When your baby finally falls asleep, catching some lucid dreams is not a piece of cake. For starters, you may have to do something important in that period. Still, you need to put your best effort to align your sleep timings with your baby’s.

4.   Keep Your Baby near You

For sleep-deprived moms, most pediatricians recommend sleeping in the same room as your baby. At a minimum, share your room with your baby for at least their first year. Having your baby close to you has several benefits and can help you to get sufficient sleep. Since you no longer have to move from one place to another to care for your baby, you can tend to them before they wake fully and will find it convenient to make them fall asleep, so take notes, sleep-deprived moms. 

5.   Encourage Sleep Habits in Your Baby

Sleep-deprived moms tend to face the most troubles in the first few months of their baby’s life. During this period, your baby will cause some issues – especially due to their unpredictable sleep patterns. However, as they grow older, you can guide them by encouraging daily naps, offering regular bedtimes, and have a calmer bedtime routine.                   

6.   Don’t Depend On Sleep Medications

When you can’t catch some shuteye despite your best efforts, it is reasonable to try out medications once in a while to fall asleep faster. However, you should remain cautious around taking a lot of meds, particularly when your doctor is not on board. In many cases, car accidents are tied to prescription drugs, as well as cause fractures and falls in adults.

When taken with a doctor’s recommendation, sleep medication can be an occasional lifesaver. Some of them can facilitate sleep-deprived moms to get at least 7 hours of sleep, which can support REM sleep and regulate sleep cycles. You can also always call Saatva Customer Service and get a new, comfortable mattress that can help you relax and have a better sleep.

7.   Get Regular Light Exposure

Try to get maximum light exposure in the morning. Your body clock resets during daytime and increases your alertness. Dim the light in the evening and minimize phone usage at night. Research indicates that the blue light from phones makes it harder to sleep during the night.

8.   Say Yes to Help

When someone offers help, accept it without contemplating much. Often, sleep-deprived moms resist giving their children to others. You should happily accept help from a babysitter, close friend or a family member. This way, you can earn a few hours of valuable sleep. Don’t ignore sleep deliberately; it is not less of a luxury and more of a medical requirement. Also, make sure that you avoid clocks, radio, and television while taking a nap. Ideally, a dark and cool environment will work best for you.

9.   Don’t Worry about Your Baby’s Crying

Mothers are sensitive to their baby’s crying. If their safety is always on your mind, then you can invest in a baby monitor and place it near your baby – whether it is a nursery or their room. Keep in mind that your baby is safe, and crying for a few minutes is completely normal – don’t fret about it.

10.         Don’t Neglect Indications of Severe Sleep Debt

Sleep-deprived moms, you must lookout for signs of sleep deprivation before landing in hot water. Sleep debt can put your health at risk. It is dangerous enough to impact your cognitive function to an extent where you may be mistaken as drunk.

Health effects worsen over time due to ongoing sleep deprivation. It has been linked to a wide range of health issues, including depression, anxiety, hypertension, cardiovascular disease, impaired glucose tolerance, diabetes, and obesity.

So, how to know that your sleep depression is too serious? Look for telltale signs, such as changes in appetite, blurred vision, mood swings, forgetfulness, and having trouble with concentration.

Final Thoughts

Come to terms with a crucial understanding: getting enough sleep is not only good for you; it also helps your baby as they get better care. Fatigue can cause irritability and cloud your judgment, and in the worst-case scenarios, even lead to an accident! Therefore, follow the above-mentioned tips to ensure high-quality care for your baby.

Patriot Funding Gets Bad Review For Credit Card Consolidation

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Can You Benefit From Using CBD For Sleep?




CBD For Sleep and Insomnia

Why Take CBD For Sleep?

Did you know that people used to take CBD for sleep back in 1500 B.C.?

Every year, Americans report their troubles with falling asleep, sleep disorders, and insomnia. Often, they have to resort to over the counter (OTC) prescription. Unfortunately, these medications come with their own share of side effects. They can also often turn out to be ineffective and addictive.

Why Do You Need to Sleep Better?

There are many reasons why people struggle to fall asleep. Sometimes, it is connected to mental issues (e.g., post-traumatic stress disorder, anxiety, and depression). Conversely, too much caffeine intake also turns out to be the culprit, while certain medicines can also cause sleep issues.

People have a tough time falling asleep due to multiple factors. Sometimes, mental issues (depression, anxiety, post-traumatic stress disorder) cause complications, while in other scenarios, continuous intake of caffeinated drinks, specific medicines and external factors like noise are the root cause.

Don’t underestimate sleep issues. If you don’t address them at the earliest, it can put you at risk. Short-term disadvantages include fatigue, loss of concentration, poor focus, and heightened anxiety levels. You are more likely to get immune deficiencies, diabetes, and cardiovascular diseases in the long run. Spending your remaining life with these diseases is no joke. This is why you should try your best to avoid them.

For starters, improve your sleep by getting more sleep. Getting at least nine hours of sleep is essential for maintaining optimal health. For that, you should consider taking CBD for sleep.

CBD For Sleep Benefits

What Is CBD?

Cannabidiol (CBD) falls into the category of cannabinoids and is extracted from a plant known as Cannabis Sativa. CBD doesn’t make you high, which makes it different from other marijuana plants. In the U.S., CBD is legal if it has less than 0.3% THC.

Best Sleeping Positions for Back Pain

How CBD and Sleep Are Are Linked?

In the past few decades, researchers found the human body to encompass the endocannabinoid system. It is made of an intricate network comprising cannabinoid receptors distributed across the body, particularly in the brain, mainly responsible for regulating sleep.

It has also been found out that the human body produces cannabinoids, which play the role of chemical messengers. With CBD products, you can take advantage of the same impact. Research [TP1]  shows that people who lack endocannabinoid deficiencies face a wide range of symptoms – having trouble with sleep is one of them.

Although the research on the impact of cannabinoids on sleep quality is still in the early stages, as of now, initial findings indicate that it is interlinked with brain’s chemicals, receptors, and proteins.

CBD is also said to shape the working of different neurotransmitters, hormones, and cells that control pain and sleep-wake cycle.

It is also theorized CBD contains large amounts of myrcene, a form of terpene. Terpenes belong to the category of aromatic compounds, which come from fruits and vegetables and are used in aromatherapy. Myrcene is a common ingredient in hops, a herb that helps with inducing sleep, and is known to provide sedative effects. According to healthcare experts, CBD also reduces pain and anxiety, which in turn helps sleep better.

Reasons to Take CBD for Sleep

Consider the following reasons to take CBD for sleep:

1.   Reduce Anxiety

A major cause of insomnia is anxiety and stress. CBD enables you to control a stress hormone, known as cortisol, which has a major effect on non-REM sleep cycles. Studies found that CBD is beneficial for addressing anxiety and enhances sleep quality.

2.   Get Pain Relief

Individuals affected by sleeplessness due to acute or chronic pain, have reportedly found CBD to be beneficial, especially compared to the pharmaceutical pain relievers. Unlike sleep-aids that provides a sedative impact, CBD addresses the symptoms of the pain-induced sleepiness.

3.   Soothe Sore Muscles

When it comes to relieving post-workout muscle soreness, CBD is quite potent. Often gym-goers use CBD patches to recover after intensive workout sessions – it minimizes their discomfort quickly.

4.   Eliminate Nightmares

Many people have poor sleep quality due to a recurring nightmare issue. Individuals who struggle with REM sleep behavior disorder (RBD), marked by heightened restlessness and nightmares, can use CBD to get the good’s night sleep they always desired.

5.   Get Help for Somnolence

CBD delivers a dual effect based on the person using it and the time of the day. This suggests that CBD promotes wakefulness in the daytime, creates a relaxing effect in the night, and regulates your body’s sleep/wake cycles. Insomnia, daytime sleepiness, and somnolence are notorious – they affect productivity during your work hours and prevent you from falling asleep at night. Administering CBD [TP2]  in the day can promote alertness, which leads to a serene sleep during the night.

How to Use CBD for Sleep?

Before taking CBD for sleep, you should know that it is available in many forms for medicinal usage. For instance, vaping is a popular method to incorporate CBD into your system. Similarly, edible CBD in the form of gum, mints, truffles, and gummies are also trending. These are suited for geriatric patients who can’t vape. If you are looking to skip the sugar, alternatives include sublingual products, such as oral sprays and oils. These CBDs are well known for providing a faster effect.

If you are considering CBD for sleep, keep in mind that FDA doesn’t regulate it. Hence, it is difficult to know what you are getting into. A reliable method to go around this issue is to find a product that has gone through rigorous lab testing and is certified organic.

The ideal way to take CBD for sleep is to opt for a gradual approach. Start low and slow; in this way, you get the best outcomes at the lowest dose. A typical starting dose is 4-5 milligrams.

Final Thoughts

The CBD industry is expected to explode in the next few years as CBD continues to attract positive reviews. Still, don’t take CBD for sleep before consulting a physician who has a background in CBD. In this way, you will get the best CBD treatment that addresses your existing symptoms, finally letting you sleep peacefully.

Safe Path Advisors

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Scott J Cooper Council Report Says America Is Running Out of Water




Scott J Cooper Water

In March of 2019, unprecedented storms raged across the U.S. The streets of New York flooded, Oklahoma was battered by a Thunderstorm, and blizzards halted all travel in South Dakota. Meanwhile, Florida was being pummeled by a hailstorm, and floodwaters rolling through Missouri forced large-scale evacuations.

“The same month a government-backed report was issued warning that America is running out of water.” according to Scott J Cooper, “Scientists warn us that within 50 years, America’s freshwater supply will fall to a third of today’s supply. We must ask why?”

Scott J Cooper Explains Where Our Water Is Going

Most of the freshwater that the United States uses comes from freshwater basins that feed our rivers with rain and snow. While it is from these rivers that we draw water for our uses, it is the freshwater basins that are the real source of our precious, life-giving water supply.

Worryingly, it is these very basins that are running dry. America is home to over 200 freshwater basins and scientists estimate that by 2071, 96 of these basins will be unable to meet our needs. This is primarily the effect of rising global temperatures due to climate change. The enormous amounts of Carbon Dioxide that human beings pump into the atmosphere through coal and gas burning is warming the planet.

This causes our freshwater basins to evaporate much faster, causing water to be displaced as clouds, rather than flowing through the rivers we rely on. In response, the average global temperatures will begin to soar even more. Scientists estimate that by the year 2050, the United States will be about 5.7°F warmer.

Rick Scott Ice Water

This is likely to effect the average American in a variety of ways. Some of these are unpredictable. For starters, less water in rivers means more water falling as rain in the rainy areas. As wet areas become wetter, dry areas become drier. Hence, water shortages are likely to affect most, if not all, of the U.S.

As many of you may have learned in high school, the United States is a geographical landscape of varied weather extremes. Louisiana gets over 60 inches of rainfall a year while Nevada gets less than 10 inches. However, Climate Change will cause drastic shifts in the United States’ climate as we know it today. Rising temperatures will cause the snowmelt patterns to begin and end earlier in the year, which means that water shortages are most likely to peak in the summer months.

“You might be wondering: if dry areas get drier and wet ones to get wetter, won’t that balance out in the end?” asks Scott J Cooper. “The answer is no.” Our steady supply of water, like other resources, depends on an environmental balance. While dry regions experience severe heat waves and droughts, the more humid regions will experience storms and other extreme weather events. Such types of severe rainfall are very hard to capture and make use of. This explains our dependence on our freshwater basins. Without them, water patterns become too unpredictable and unstable for us to make use of.

More Americans Means More Water

On average each American uses 80 to 100 gallons of water every day putting the nation’s total at 345 billion gallons of daily water usage. What is frightening is that by the year 2100 the U.S population is set to increase by 200 million people. As simple math would dictate that many more people just means that much more demand for water.

Rick Scott J Cooper

As water supply drops due to the effects of Climate Change, and the U.S population increases, our nation is more than likely to go through a great amount of water stress. This will bump up the price of water, making it a resource more valuable than some precious metals. Wealthy entities will likely start hoarding water while poorer communities will face severe water shortages.

All this is likely to snowball into an environmental and economic disaster. This is why it is absolutely imperative that we start acting immediately while we can still salvage the situation the best we can. Climate Change is predicted to have devastating effects all over the globe in terms of resource supplies and environmental catastrophes. Rising global temperatures destabilize water patterns, increasing the temperatures further. The economic downfall is similar, with climate change causing international economic decline which will make us less able to tackle its negative effects, hence causing the climate to destabilize further out of our control. If we let the situation snowball past a certain point, we may not be able to bounce back at all.

Scott J Cooper Offers Alternative Water Solutions

The natural response to this is that we need to start making use of other sources of freshwater. However, the sad reality is that we have already been tapping into our finite supply of aquifers, porous rocks and sediment that store water underground. 165 million Americans are already making use of groundwater for their daily purposes, while many farmers use it for irrigation.

This amounts to one thing: groundwater is being pumped out of the ground much faster than it can replenish itself. The Central Valley Aquifer in California, one of the nation’s most agriculturally productive regions, has lost ten cubic miles of water in just 4 years. A more-than-drastic decline indeed.

It seems that our most stable source of water, which has been the preferred source of water for humans beings for millennia, is freshwater basins. Unfortunately, these are the very sources we have harmed over the last 100 years due our unsustainable use of non-renewable resources like coal, oil and gasoline.

What Can We Do About It?

It’s possible that the simplest solution to our water problem is to use less water. Water meters and careful pricing can discourage waste while fixing old infrastructure will keep more water in the system – a main water line in the U.S breaks approximately every two minutes.

Scott Cooper Mannequins

In the agricultural sector, a simple two percent reduction in irrigation water could avert shortages in one-third of the affected basins. Meanwhile, every American may be able to help out by taking shorter showers and by not rinsing dishes under a running faucet before loading them in the dishwasher.

The ever-looming effects of Climate Change are not medium-term problems anymore. They are now upon us. With these effects only due to get worse (at least before we make them better) we are going to need every American to save water starting today. It’s only in acting together and spreading awareness that we can begin to tackle this problem of global proportions.

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Medical Medium Cleanse To Heal Review: Don’t Be Fooled By Gullible Celebrity Endorsements




Medical Medium Cleanse To Heal Review

Is Medical Medium Cleanse To Heal A Diet Scam?

Medical Medium wants your money. Medical Medium Cleanse To Heal is one of the latest supplement diet scams pushing useless pills with the claim that it will guarantee weight-loss.   American consumers spend tens of billions of dollars annually on dietary supplements that claim you can eat all you want and still lose weight.

The dietary supplement marketplace is not as safe as it should be. Diet supplement manufacturers used by Medical Medium, Anthony Williams, routinely, and legally, sell their products without first having to demonstrate that they are safe and effective. China, which has repeatedly been caught exporting contaminated products, is a major supplier of raw supplement ingredients. The FDA has yet to inspect a single factory there.

Medical Medium Cleanse To Heal Complaints

Critics claim that Medical Medium, Anthony William is practicing unlicensed medicine. He has also been accused of improperly soliciting positive reviews for his books on Amazon.

Weight loss is often on people’s list for improving their health, and yet most people fail to lose those extra pounds. That is why there’s a huge market for the fitness and diet industry. People want quick and easy solutions to weight loss problems, and in the process, they only end up losing money and motivation by getting influenced by companies or fake wanna be doctors like Medical Medium.     

Obesity is one of the largest health threats for Americans today. According to the National Institute of Health, as many as 40% of Americans are obese. It is becoming a leading cause of diseases like diabetes and heart issues.

Earlier this year, the gyms had to close across the country due to COVID-19. This further jeopardized the health of Americans. Many people had to find health and fitness alternatives at home.

When it comes to losing weight, there is no magic spell or a quick fix. You have to actively put effort into making it work. But you also have to make sure that you’re putting your energies in the right place. Most people do want to work towards controlling their weight, but misguided information given by Medical Medium and on the internet usually takes them farther away from achieving their goals.

In this article, we are going to point out the common mistakes that people make while trying to lose weight. Keep reading to learn what not to do on your weight loss journey, but first things first, make sure to ignore Medical Medium advice.

Setting Unrealistic Goals

People fall into the trap of setting unrealistic goals for themselves. When they fail to achieve these goals, their motivation takes a massive blow. For example, when someone says, “I’ll lose 30 pounds in two months” or “I’ll lose belly fat in 3 weeks”, they are setting themselves up for failure.

How to set realistic goals?

Always start small. Your goals need to be small and incremental for you to achieve real progress. So, instead of saying you’ll lose 30 pounds in two months, you can set the goal of losing one pound each week. If you still feel intimidated, start even smaller. Make it your daily goal to walk thirty minutes and cut off sugar. Simple enough, right? It’s not only going to take you closer to your goals, but it is also a healthier way to achieve those goals instead of listening to the Medical Medium which gets their information from spirits.    

Running after quick fixes and diet scams like Medical Medium

If you’ve been trying to lose weight for some time, you must have come across several lucrative and unbelievable advertisements like Medical Medium. Some claim that you can lose weight without exercising or changing your diet with a supplement or a belt. Meanwhile, others show offer expensive 10-day or monthly diet plans that promise to help you shed all the excessive pounds. 

Any diet plan that allows you to eat an excessive amount of one food group or restricts you from eating a certain food group is very likely to be a fad diet and Medical Medium does just that. You don’t want to fall in the trap of Medical Medium that only bring distress and no results.

What is a healthy diet for weight loss?

The keyword here is moderation. Cutting off a certain food group or intaking, only one type of nutrient never leads to a healthy body. You want a diet that is sustainable and fulfills the needs of your body. W balanced diet plan that focuses on smaller portions in the way to success when it comes to maintaining healthy body weight.

Starvation or skipping meals

Starvation only leads to further health complications. Your body needs nutrients to function, and if you deprive it of its fuel, you’re only contributing to its deterioration. Starvation may bring quick results, but it is in NO WAY sustainable or healthy.

What is the alternative?

The only way to achieve weight loss is to maintain a balance in your food intake and your physical activity. Only relying on not eating, or eating everything and not exercising is never healthy.

The Truth Behind Weight Loss Ads

Obsessing over the weight scale

Checking your weight machine over and over again in anticipation of seeing a drop in numbers is a very unhealthy habit. It can affect your mental health and discourage you at the beginning of your weight loss journey.

How to look track results more positively?

Don’t expect to see results in a matter of hours or days. Weight is a fluctuating phenomenon, and you will only frustrate yourself if you keep track of each and every drop and increment. Instead, a healthier way to track changes is to check your blood pressure, blood sugar levels, and cholesterol levels. These are the things that truly matter when it comes to physical health.

Jumpstarting on extremely intensive exercises

Overexertion has helped nobody. Remember, balance is the key. You can’t put your body through excessive physical exercises right away. You need to start small and then gradually build up to more intensive routines. Exercising too much too quickly can have a negative impact on your body. Plus, you can’t just exert yourself and make no changes in your diet. Weight loss doesn’t depend on one factor. It’s achieved by a combination of changes in your lifestyle.

How to exercise effectively?

Exercise regularly but also give yourself recovery days. If you’re working out 6 days a week, you must take a day off and let your body recover. Stick to a fitness routine for some time and be consistent with it. Make sure you always listen to your body and give it the rest and nourishment that it needs.

Effective weight loss tips

Now that you know what NOT to do, we have some tips for the things that you should DO for losing weight effectively. Take a look below:

  • Never rely on an everything-or-nothing mindset. Allow yourself recovery days. Even a cheat day once a month wouldn’t hurt.
  • Understand that real progress takes time, and you want to do this for a healthier body.
  • Forgive yourself for mistakes and missteps, and always be willing to learn from them.
  • DO NOT compromise on rest and sleep.
  • Do activities that help you release stress.

Final Words

Theirs is no quick fix for weight loss. You need to be patient and pursue it in a way that is healthy for your mind and body. We hope these tips help you get on the right path towards your weight loss goals.

Memphis Associates and Plymouth Associates

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Credit 9 Loan Offer Is A Natural Disaster




Credit 9 BBB

Have You Received A Loan Offer In The Mail From Credit 9?

If you have been thinking about it and you just received a “too good to be true” loan offer in the mail from Credit 9, Tripoint Lending, Simple Path Financial, or SPF Saves or – listen to your gut instinct. Do you really think you qualify for a 3% interest rate? Do you really think that reservation code is especially for you? Check Crixeo and find out the truth.

Is Credit 9 A Scam?

Credit9 is affiliated with Americor Funding, a debt resolution company.

It appears that Credit 9 is operating a typical bait and switch scheme. They lure you in by sending you direct mail with a “personalized reservation code” and a low 4%-5% interest rate to consolidate your high-interest credit card debt.

Credit9 doesn’t tell you that you need excellent credit to qualify for a loan with that low-interest rate (which you have been supposedly preapproved for).

While the Credit 9 Nine mailer offers incredibly low rates, the licensing information on their site discloses that “typical” rates for most states they include in their disclosure are 18-24% APR.

Interestingly, while having sample rates for the State of Pennsylvania, the Credit 9 website also discloses that “These products/services are not offered to Pennsylvania residents.”
Credit: Lumppini

Whether it’s an ice storm, tornado, earthquake, wildfire, or a hurricane, most of us are vulnerable – a natural disaster does not come with ample notice. Although you cannot predict one, you can ensure that you are financially prepared in the wake of an emergency. Adhering to the following steps, it would be easier to organize your finances for a natural disaster.

1. Build an Emergency Fund

Experts recommend creating an emergency fund. It is one of the smartest ways to manage your finances in the event of a natural disaster. Unfortunately, research shows that 28% of the U.S. adults don’t have a plan B – no emergency savings to bail them out in the worst-case scenario.

As a rule of thumb, try to save six to nine months’ worth of core expenses – ones that can pay for groceries, insurance, and housing.

Often, after setting up an emergency fund, people are tempted to draw from it for frivolous spending. To make sure you don’t commit the same mistake, maintain your emergency fund in a separate account.

When it comes to emergency funds, focus on building both short-term and long-term funds.

For short-term investment, known as temporary investments or marketable securities, get instant access to cash but with lower interest. These can include municipal bonds, bond funds, treasury securities, and CDs.

On the other hand, long-term funds help you earn higher interest, but they have a lower wait period. Examples include index funds and stocks. In this way, you can grow your fund rapidly by earning higher interest. Direct your efforts to building long-term funds when your short-term emergency fund becomes large enough. And make sure to complete your balance transfer requests.

While planning for a natural disaster, think about what you will need. For instance, if you are confined to your home due to a storm, you will likely to need water, batteries, and flashlights. With other emergency household supplies in the mix, your total bill can reach somewhere between $200 and $300. In a similar vein, power can go out anytime in the middle of a natural disaster.  Hence, if a portable backup generator is required, you may have to pay around $2,000 to $4000.

2. Go Through Your Insurance Policies

It is a misconception that homeowners insurance will cover damage inflicted by a natural disaster. For example, standard homeowners’ insurance doesn’t provide coverage for flood damage. Therefore, if you live in a flood-prone area, you may have to buy an additional insurance policy. For other types of natural disasters, review the following considerations.


You need to buy a separate policy or add a policy endorsement to get coverage for earthquake damage. This form of insurance is ideal for areas that are vulnerable to seismic activity.


Although homeowners insurance covers wind damage, exceptions exist in certain scenarios. For instance, windstorm damage is not covered in each state. In that case, you would have to buy a policy that covers wind damage.


A standard homeowner’s policy covers fire or wildfire, but again exceptions can occur based on your geographical whereabouts. For instance, insurers don’t add wildfire coverage in homeowner’s policies in areas where wildfires are a common occurrence.

3. Collect Valuable Documents

If a natural disaster damages your home, you will have to access essential documents, such as bank account numbers, credit card numbers, passports, and insurance policies. It is recommended to scan these documents and save them online in a secure cloud platform. For backup, send email copies to an immediate relative who lives in another country.

If you are more comfortable with hard copies, keep them in a waterproof/fireproof safe or a bank safe deposit box. Putting them in a desk drawer or file cabinet is extremely risky.

Apart from paper documents, shoot videos of your belongings and save them in the cloud as well. Make sure to zoom in on brand names and serial numbers. By doing this, you can report damages to your insurer when things stabilize after the disaster.

Don’t know which documents to protect? Here’s a list:

  • Passport
  • Birth and marriage certificates
  • Social security cards
  • Driver’s license
  • Tax returns
  • Receipts and warranties of major purchases
  • Appraisals of artwork, collectibles, jewelry, and other valuable items
  • Credit card records
  • Prescription
  • Home improvement records
  • Rental agreement/Mortgage documents

4. Invest In Repairs to Strengthen Your Home

Do you live in an older home? Are you worried that your current home cannot withstand the damage done by a natural disaster? To protect your family, you need to invest in repairs and remodels that can make sure your home can withstand any natural disaster. Since some of these updates are too costly, research well to decide which repair offers more value?

5. Share Information with Family

In many families, one person is in charge of managing financial activities for a natural disaster. But, what if that person is unreachable amid a natural disaster and the other members don’t know how to access the emergency fund or where is the safety deposit box placed? Such a scenario can cause considerable inconvenience to your family. Hence, make sure that you have regular family meetings where such a scenario is discussed and all the relevant information is shared, such as what is the password of the cloud account that stores the soft copies of your rental agreement.

Final Thoughts

To handle a natural disaster effectively, the most integral step you can take is to prepare your finances before unexpected costs put you in a bind.  Perform home remodeling to fortify your home and repair areas that are in danger during a natural disaster.

If you are a football fan, you know that the best defense is a good offense. If you end up in a bad financial situation, you will need to somehow get out of debt without paying or find the best way to consolidate your debt.

Lastly, study your insurance policies and find whether you have the required coverage and develop an emergency document kit that rescues you in the time of crisis.

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Contrave Review and Complaints: Side Effects Include Anxiety and Depression




Contrave Weight Loss Scam

Is Contrave a Diet Scam?

Contrave wants your money. Contrave is one of the latest weight loss pills scams pushing useless pills with the claim that it will guarantee weight-loss.   American consumers spend tens of billions of dollars annually on dietary supplements that claim you can eat all you want and still lose weight.

The dietary supplement marketplace is not as safe as it should be. Weight loss pills manufacturers, like Contrave, routinely, and legally, sell their products without first having to demonstrate that they are safe and effective. China, which has repeatedly been caught exporting contaminated products, is a major supplier of raw supplement ingredients. The FDA has yet to inspect a single factory there.

Companies like Contrave, Leptitox, Saxenda, Isagenix, Valentus, Plexus, Optavia, SPX Nutrition, itworks!, Modere, Vfinity, Wakaya Perfection, Truvy, Herbalife, Nature’s Sunshine, Medical Medium, and many, many more.

Contrave Complaints

People start using some of the worst ways to lose weight ever thought of. Today, the world is experiencing the highest rates of obesity ever recorded. However, there is also a movement to become healthier again. People are recommending eating healthier food, exercising regularly, and engaging in healthier habits.

These can include extreme diets and exercise routines. These do more damage than good and can result in very unhealthy consequences. Like everything that’s worth doing, losing weight doesn’t come easy. So whatever you do, don’t use any of these ineffective and bad ways to lose weight in 2020.

5 Worst Ways to Lose Weight in 2020

1.    Setting Unrealistic Goals

We often look at magazines or films and set unrealistic goals for ourselves. We end up wanting to look like the most popular movie stars or the most toned swimwear models. However, those goals tend to weigh on us. This goal setting is one of the worst ways to lose weight.

Instead, try and set incremental goals like losing a pound or two every week.

2.    Fad Diets and Quick Fixes

Every single year there are newfangled diets that claim that the pounds will just melt off. Recently there was a fad that involved just eating meat and forsaking all other food groups. There is also the newly popular keto diet that everyone is trying. However, nothing works better than simply eating a balanced diet and exercising.

Forsaking certain food groups and depriving yourself of things that are healthy for your body is bad. It’s one of the worst ways to lose weight. Diets which ask you to give up food groups aren’t sustainable. Eventually, you’ll have to go back to tasting things with sugar, or fat, or protein in them. The diets only work until you’ve reached your goal weight. The goal should be to sustain that weight over a long period of time.

3.    Starvation or Skipping Meals

If there is a winner on this list of the worst ways to lose weight, it is probably this one. Starvation and skipping meals basically deprives you of energy; that’s all it does. If you’re on an intermittent fasting diet, that’s another story. However, that doesn’t consist of depriving you of food. It helps you eat enough in a short span of time, so that your body uses up fat deposits when you exercise.

That being said, skipping essential meals and depriving your body of the nutrients it needs is wrong. All it does is get you a one-way ticket to lethargy.

Best Weight Loss Plans

4.    Being a Slave to the Numbers

Know that your weight fluctuates throughout the day and throughout the week. Hence, if you’re always looking at the reading on the scale, and judging yourself, it’s harmful. It’s one of the worst ways to lose weight. Set deadlines and goal weights. However, don’t be obsessed with hitting certain goals immediately or consistently.

Fluctuation leads to frustration and can cause high blood pressure and high cholesterol levels. Don’t stress yourself out and help your overall health. Keep consistently working out and eating healthy and stick to your goals. That’s how you’ll progress over a long period of time and maintain your goal weight.

5.    Immediate Intense Exercise

In order to do intense exercise, you have to slowly work your way up. Just like you can’t bench 200 lbs on your first try, you can’t do 100 pushups on your first try. Hence, you need to slowly work your way up to the muscle mass required to do intense exercises. This includes developing the kind of muscles you need to do specific exercises.

The alternative is simply too great a health risk. Yes, intense exercise is known to burn off a lot of calories in one go. However, atrophied muscles can’t accomplish it. You can’t do it without hurting yourself or pulling a muscle.

Hence, it’s one of the worst ways to lose weight.

The Truth Behind Weight Loss Ads

Miscellaneous Tips

There are several other things you can do to prevent weight gain and lose weight. However, the best ways to do it constitute an iron will, a lot of patience, and consistency.

An All or Nothing Approach is Wrong

Don’t claim that you’ll never eat your favorite fast food item again. Don’t say that you’ll never miss a single day of workouts again. Also don’t make claims that you’ll always stick to a healthy diet, and never go back to snacking. All of these are near impossible standards. Realize that there will be setbacks so that you can pick yourself back up again.

Forgive Yourself for Missteps

Some of the worst ways to lose weight often involve stopping after a misstep. This can be a missed day of workouts, or a snack that you’re not supposed to have. People tend to give up working out simply because of these missteps because they believe that they’ve destroyed progress. This is a genuine problem that will actually destroy progress. Skipping a day in between workouts is no reason to give up, and neither is ordering out occasionally.

Get Enough Sleep

One of the worst ways to lose weight is to completely remove sleep from the equation. Remember that sleep is literally the one thing that can give you rest and is better for your long term health. Those that lose sleep are at a higher risk of high blood pressure, high blood sugar levels, obesity, and heart problems.

Manage Stress Levels

This is extremely important. Without managing stress, you’ll never get your heart rate down to a manageable level. You’re going to the gym to raise your heart rate anyway. However, your resting heart rate should be as low as possible. This will ensure that your heart doesn’t tire itself out when you exercise. Low heart rate results in lower blood pressure, better digestions, and consistent sugar levels.

Out of these 5 worst ways to lose weight you shouldn’t gravitate to any single one. Just keep exercising regularly and eating healthy, and you’ll be just fine.

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