James L. Paris's Blog, page 48

4 Reasons To Get Your Free Credit Reports Each New Year

Many people use the first of the year to set goals for the coming year. Just like the ritual of changing your smoke alarm batteries when we change the clocks twice a year, the beginning of a new year is a great time to review your credit reports (by the way, there is no penalty or negative effect on your credit for checking your own report).

Many people do not know that there is actually a federal law mandating that the credit bureaus provide a free copy of their credit file once per year. This does not involve a trial membership, and there is absolutely no cost if you go to the correct website. The official website set up to provide free annual credit reports to consumers is Annual Credit Report.com. Most people are able to verify their identity and actually gain immediate access to their credit report while online. For those that can not be verified through the online process, you will receive your credit reports by mail. 

In addition to accessing your credit reports through the annual government mandate, there are two other sites I recommend using as supplements. These sites both legitimately offer free copies of your credit reports on an ongoing basis and a host of other tools (including access to your credit scores). These sites are not providing free credit reports by way of a government mandate, but have a 'for profit' business model. If you sign up to use either of these free sites, you will see offers for credit cards, mortgages, auto loans, and other financial services while you are on their website. It is through the revenue of the ads that are displayed that the service can be made available for free. For more information on these two free services, see my article - Free Tool Helps You To Raise Your Credit Score.

While some people might consider it redundant to access their credit reports through both the Annual Credit Report site and the other two sites I have listed, there is a good reason to do so. First, I have found that the credit reports are much more complete through the official Annual Report site.  The other two 'for profit sites' provide credit reports that are a little more abbreviated without as much detail. It should also be noted that these sites also provide a host of other valuable free services, such as  free notifications that alerts you when your credit report is accessed by a third party, credit scores, and tools to help you to raise your scores.

What To Look For In Your Credit Reports -

Verify that your payment history is accurate. If there are errors you can dispute them at the credit bureau websites or send a letter.


Check your balances. If your account balances are actually lower than what is being reported this is important to address, as your score will be negatively impacted as a result.


Look for accounts that may not belong to you. This can be an innocent error (such as an account of a relative with a similar name) or it can be a warning sign of identity theft.


Check your inquiries. This is a record of all of the third parties that have accessed your credit file. Again, this may be another chance to find out if someone is attempting to steal your identity. 

Wishing you a happy new year, and helping you make the most of God���s money!

James L. Paris 
Editor-In-Chief ChristianMoney.com 
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice 
Jim Paris 24 Hour Radio

Bitcoin Makes Run At $20,000

This week Bitcoin came close to hitting $20,000 but is its run over? Jim shares why he is still very optimistic and also discusses Ethereum, Litecoin, Ripple XRP, DASH, and Bitshares.

 

Retired Lt. Colonel Says Hillary Clinton Is A Luciferian Psychopath

Retired Lt. Colonel, Robert Maginiss joins Jim Paris Live to discuss his latest book, The Deeper State: Inside the War on Trump by Corrupt Elites, Secret Societies, and the Builders of An Imminent Final Empire. The Deeper State is about the elites, their secret societies, world power centers and evil motivations behind the chaotic contemporary world pressing all life toward a final one world empire. The contemporary trigger that briefly lifted the veil on this darkness was the election of President Donald Trump who exposed the power brokers, their evil agenda, their techniques and ideology much like when one is shocked when lifting a rock in the forest to discover hidden underneath slimy poisonous vipers. Deep State is a term that has recently come into vogue to describe the forces in Washington and around the country that are rallying to overturn the election of President Trump. But there is far more to this organized resistance, there is an even deeper state that must be exposed to fully understand the imminent danger.

THE DEEPER STATE discloses for the first time... *Behind the scenes super elites who promote a false panacea through promises of globalization. *How globalist are taking over the world s power centers *The instruments of global power and the secret hands of the globe s evil puppet masters. *The history of the world s super class. *The marriage of modern globalism and progressivism with deep roots in Marxism and Darwinism. *The one-world government elite behind the European Union. *The spiritual aspects of an invisible war and its Achilles heel. Just when all hope seems lost there is an ancient leader that provides sage advice for these tumultuous times. Yes, God has pre-ordained the final outcome but until that time, which could be soon, we can make a difference in spite of the rigid and seemingly overwhelming push by the elites and their evil ally in the unseen realm.

 

Bitcoin Blasts Through $19,000 - What Is Next For Cryptocurrency?

Jim discusses the latest big move of Bitcoin and how Bitcoin futures may affect the price of the cryptocurrency. Also discussed is a new social media platform that pays you with cryptocurrency for participating, and what are the Democrats planning with the recent resignations of Al Franken and John Conyers?

 

The Social Network That PAYS You

*** Jim's Online Bitcoin Training Is Now Available Click Here

What if someone combined something like Facebook with something like Bitcoin? Well, someone has done it and this new venture is called Steemit.  It is a decentralized social network that pays contributors with their own cryptocurrency called Steem Dollars. I first learned of Steemit a few weeks ago and was immediately intrigued. Of course, as a regular reader you already know my fascination with Bitcoin and cryptocurrency, and my major presence on social media.

I have been hoping and praying that a new social network would come along. I have been on Facebook, Twitter, and YouTube for years. I have had a bumpy relationship with all three. While I won't go into all of the details here, my frustration with being censored as a conservative Christian has reached a breaking point. You set up a page on Facebook and then pay them for ads to get 'likes.' When you post content to your page only about 12 percent of the people will see the post. If you want all of your followers to see your post, you have to pay Facebook for an advertisement. Next, even if they approve your ad they can come back later and penalize you for the ad violating their terms of service (yes, they approve the ad and then penalize you for it not being in compliance with their rules). On top of that, you get nothing for the content you post, all the while Facebook is posting ads in your timeline and on the sidebar of the pages that you created and paid to get followers for. Facebook has clearly become a one way street and all the money is flowing to the corporate behemoth. I, for one, have had enough.

Many of you may know how I exposed a worldwide scam called 'Profitable Sunrise' four years ago. My reporting uncovered what turned about to be more than a 100 million dollar Ponzi scheme that targeted the Christian community (and was the subject of my book - Exposing The Ponzi Masters). My reporting was picked up by newspapers as far away as New Zealand and Pat Robertson brought me on the 700 Club to warn Christians. Well, no good deed goes unpunished. I ended up having my YouTube account restricted for six months due to complaints from the scammers! Yep, they all got together as a gang and repeatedly flagged my YouTube account. I appealed my account restriction and got an automated response telling me that my appeal was denied. That was the end of it, there was no one to call - I was being punished for exposing a worldwide Ponzi scheme! The truth is that I am sure this was all done by way of a computer software program and no human ever even looked at my appeal. To this day, my YouTube account is 'de-monetized' (meaning I cannot make a dime from all of the content I post there each week). I have heard countless stories of Christians and conservatives losing their YouTube accounts or at a minimum have them 'de-monetized.' The same kinds of things are happening on Facebook - 

After buying $10 of advertising to promote the below post, I am now banned from buying ads on Twitter. First, they approved my 'promoted post' and then suspended my ad account after the promotion ran (I supposedly violated their terms of service, but they would not tell me which one). You may also be aware of my one week suspension from Twitter back in 2009 that made national news.

Facebook Alternative Pays You To Participate

Steemit officially launched on July 4th of 2016. Much like Facebook, users can post and share content. After setting up a profile on the platform users can 'follow' other participants on the platform. Posts can be commented on and 'upvoted' (the equivalent of a Facebook like). What will get your attention is how much people are earning by participating. Since Facebook doesn't pay users anything for contributing, it wouldn't take much of a payout for people to get excited (and consider moving). That being said, however, the money some people are making represents the kind of money that could replace a full time job (or represent a significant part time income).

The below screenshot shows the top few earning posts on Steemit over the past 24 hours. The author of the post receives 75 percent of the earnings on the post and those that voted and commented share in 25 percent of the reward. The rewards earned are paid out 50 percent in tokens (that are used on the site itself and represent 'influence') and 50 percent in a coin similar to Bitcoin (than can be cashed in for U.S. Dollars). The bottom line is that a good chunk of these earnings can be banked and spent as real money.

What's more, Steem is a fast rising currency and has recently become worth nearly $2 for one coin. That means that just like with Bitcoin, those people accumulating Steem could end up with a portfolio worth thousands of dollars (with appreciation over time). The chart below shows how Steem Dollars (the currency that contributors are paid in that can be converted to 'Steem') have risen from about $1 to nearly $8 in just the last three weeks. 

Steemit is free to join, and just like with any social media account it will take time to build a following and gain readers. My own plan is to invite my entire e mail list to open accounts on Steemit and follow me. Next, I plan to insert a 'follow me on Steemit' graphic on all my websites. Also, I will promote my Steemit presence on my existing social media. In addition to cross posting articles from my blog to my Steemit account, I also plan to write exclusive articles that will appear only on my Steemit blog. 

For those that want to get a quick education on how the site works, I would recommend reading their Quick Start Guide. Another great resource is the FAQ section of their site. In addition to a site very much like Facebook, Steemit also has a video platform of its own called DTube (you guessed it, similar to YouTube and pays just like the Steemit site does).

I will admit that I don't understand all of the inner workings of Steemit yet, but I love the idea of getting paid for my content. Keep in mind that you get paid not just for your own original posts, but for sharing online content, and even just for commenting and voting on other people's posts. This could really be a Facebook killer when the word gets out. We have all heard the joke (and sometimes even true story) about bloggers that live in their parent's basement. By combining a social media platform with a cryptocurrency, Steemit may have created a way for online content creators to not just establish a serious income stream, but also build significant wealth over the coming years. For now, I plan to simply add Steemit to my social media accounts, but it may end up largely replacing my efforts on Facebook, Twitter, and YouTube. We will see... 

Connect with me on Steemit @jameslparis

Helping you make the most of God���s money!

James L. Paris 
Editor-In-Chief ChristianMoney.com 
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice 
Jim Paris 24 Hour Radio 

Jim Shares Why He Owns 24 Different Cryptocurrencies

On this episode, Jim discusses his recent visit to Disney and Universal Studios in Orlando. Also, is the special prosecutor planning to prosecute president Trump under a law from 1799 called the Logan Act. John McAfee predicts $1 million dollar Bitcoin by 2020, why Jim owns two dozen different cryptocurrencies, a new social network called Steemit that pays you cryptocurrency for participating, who will benefit from the Trump tax plan, and is God working to expose what is in the darkness in these last days?

 

 

The Trump Prophecies

On November of 2016, the world witnessed the impossible. Nearly every household in America was tuned in to the election feeds, and every update pointed to a loss for the Republican Party. But when the map of the states flipped red in the final hour, there were a select few who weren't surprised. They had always known Trump was going to win. He was chosen for such a time as this. The prophecy had said so. This prophet, this reserved man of God, was retired firefighter Mark Taylor. The word given by the Holy Spirit was delivered on April 28, 2011 in the middle of the most debilitating sickness a man could ever experience. When the prophecy later fell into the hands of New York Times bestsellers Don and Mary Colbert, God used this new team of passionate individuals to lead the nation into a fervent prayer chain that would accomplish one of the most incredible miracles our country has ever seen. But Trump s victory was only the beginning... What is coming next for the most powerful nation on earth today? Mark Taylor has more to say.

In THE TRUMP PROPHECIES readers will discover: *How the Lord can and will use anyone regardless of education, background, or health to communicate His message to the Church of Christ *What led to the miracle of the 2016 election, the role of we the people for the will of God in the future, and what the Body of Christ needs to do to keep His blessing on our nation *How the enemy has utilized techniques of distraction to keep the Body's focus off of God and onto internal, demoralizing disputes and how this can be overcome *Astounding, world-altering changes in our US government Mark sees on the horizon *The positive message of hope and encouragement that points to fresh methods of spreading the Gospel to the lost

 

Save Money With A New Kind Of Auto Insurance

 An interesting new business model is taking hold in the auto insurance industry - Pay Per Mile coverage.

Although the notion of a discount for low mileage drivers has been around for some time, this mileage-based pricing approach takes things to a new level. First, the discounts are not just a mere 2 to 5 percent off the regular rates - they can be very substantial. Secondly, the amount of miles driven is monitored with an on-board GPS device. One company, in particular, is taking the lead in mileage based auto insurance. San Francisco based Metromile is expanding nationwide and promising to save lower mileage drivers an average of $500 or more per year. For the purposes of insurance, 'low mileage' is considered to be under 10,000 miles per year. Historically, this would an unusually low level of miles for an American driver (especially in a big city). But with more and more people working from home these days, it's not just 'little old ladies from Pasadena' that are low mileage drivers.

Metromile is rolling out nationwide, but is presently only available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. To be notified when your state becomes available, add your information at the company's website - Click Here.

Metromile is not the only game in town when it comes to mileage based rates. Most insurance companies do offer discounts for low mileage drivers. The discount will vary based on the company, but there are two other companies already competing to some extent for this same niche. Esurance and Progressive will partially base your rate on mileage (and also require the use of an on-board GPS monitoring device). One difference is that they are not just monitoring miles driven, but also driving habits (such as hard breaking, which indicates how safe of a driver you are).

Other ways to save money on auto insurance:

Shop out your rates at least once a year (if you are a low mileage driver, ask for a discount).
Raise your deductible for substantial discounts.
Consider dropping collision and comprehensive coverage on older vehicles.
Drop the extra bells and whistles (towing coverage, etc...).
When buying a new car, check the insurance rates before making a final decision.

Helping you make the most of God���s money!

James L. Paris 
Editor-In-Chief ChristianMoney.com 
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice 
Jim Paris 24 Hour Radio

Is This The Bitcoin Of Tomorrow?

In this 3 minute video Jim shares information about a digital currency that many think is the 'Bitcoin of tomorrow.' Although Jim still loves Bitcoin and he is also looking at other lesser known names in his new online class.

Will Robots Take Over The World?

On this episode author James Barrat discusses advances in artificial intelligence and how it will change our lives. How robots and artificial intelligence will begin to replace workers. Major changes predicted include self driving cars, trucks, self piloted flying cars, robots working on factory floors, robots and autmoation replacing accountants and fast food workers, and even your doctor! Barrat also weighs in on Bitcoin, Ethereum, and cryptocurrency. But what happens when computers become smarter than humans? A riveting discussion on how artificial intelligence is about to change our lives forever.