Tag Archives: @changeinadvance

Blackberry Tips For My Readers

19 Jan

Blackberry tips for simple use and freeing up memory on your Rim Smart phones.

Ok folks I re-upped and consolidated my blackberry posts so a lot of help is in one place for my readers. I’ve also written posts on blackberry, android, and apple that help manage accounts, find you great apps, and show great shortcuts and ways to optimize your smartphone. Hit the search and pick you poison.

These tips are simple and direct from RIM.

-Type *ld without the star. It will put today’s date.

-Type *lt without the star. It will put the exact, current time according to your phone.

-Type Myver* without the star. It will tell you what bb and os (operating system) you are currently running. It will look like this: 9900/7.0.0.576 (B2392).

-Type Mypin* without the star. It will type out your pin for sharing and or viewing.
It will look like this: pin:123456A.

-Hold both the Alt key and right aA key down and then hit the delete key. This will reset your phone. Essentially its a hard reboot akin to a battery pull but better in my opinion.

-Hold the same two keys, (the Alt key and right aA key) except no delete key.
Instead hit the h key for help desk window
Information.

-Hold Alt and type lglg.
This takes you to the event log. Now if this is your personal phone you don’t have to keep the log. Clear the event logs daily. You have no need of them and your blackberry will be noticeably different. Also hit the r key to refresh the event log as it may be volumes and volumes. Once you can’t see more to clear. Close out completely.

-Go to options, then security, than advanced security settings. In there you want to find Memory Cleaning. Do the clean now to remove data that isn’t needed. You can set it too delete on a schedule but I find that its timing never matches mine. So better yet-
Use the option to put its icon on your home screen and do it yourself. Daily.

-Want to type ALL CAPS? Hold the alt key and then hit the right aA key. This will let you WRITE LIKE THIS.

-Need to add a numerical sequence? Hold the alt key and hit the left aA key. (:-4 1-”” !2 (:2 324_”(
aka- this will be the result.

-Lastly in your messages folder hold the alt key and hit the p key. This will show you your phone calls in their entirety. If you need privacy delete this. If you want more free memory- delete this.

-Rather than looking at signal bars, you can change the coverage indicator to show ‘signal strength’ in digital (dBm) format. While at the home (icon) screen, hold down the ALT key while you type NMLL. The bars change to digital mode. A lower number is better, and anything between -90 to -50 dBm is good.
-To get the signal bars back, repeat the process: hold down the ALT key while you type NMLL.

So now you know your blackberry a little better. And it will run better as well.
Succeed my friends.

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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Updated Blogging Series

14 Jan

Updated Blogging Series

Hey folks here we have the complete postings of my latest series on why you need a blog. Every business benefits from a web presence, and as such yours should be brilliant, not lacking or dysfunctional.
I added additional articles from previous posts to aide your transition from novice to blogging machine.

-The Top Reasons Why Your Company Needs a Blog-
part 1
part 2
part 3

-Why you need a Blog and how to blog

Click here

-What You Blog is as important as How You Blog

Click here

-How To Make Money Blogging

Click Here

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

 

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MAXIMIZE YOUR SMARTPHONES POTENTIAL aka SECRET APPS AND TRICKS YOU NEED

8 Jan

In this day and age we count on our mobile phones to stay connected with friends and family. But their cost in both time and money can be high.

I’ve got a secret stash of info and shortcuts to optimize your usage and save you time and money.

Send texts via e-mail

Does your phone not support multimedia messaging? Maybe you nearing your monthly text-messaging limit? Simply send your photo or text message via e-mail.

Just open a new e-mail message. In the To: field, enter the 10-digit telephone number (without dashes). Then enter the appropriate domain name for the recipient’s carrier.

AT&T: @txt.att.net

Sprint: @messaging.sprintpcs.com

T-Mobile: @tmomail.net

Verizon: @vtext.com

Standard charges apply for the recipient. If you’re e-mailing from a cellphone, you’ll pay for data usage.

Block messages

Perhaps you don’t like text messaging. So why pay to receive unwanted texts? You can either block texts or set up filters.

AT&T users must register for Message Preferences at mymessages.wireless.att.com. Sign in and you’re given options to block specific types of messages. You can also allow and block messages from specific numbers.

Sprint lets you block messages from specific numbers. Log in to your account online. Click My Sprint, then My Online Tools. Under Communication Tools, select Block Text Messages.

Some plans may not provide this option. Or, you may want to block all billable messages. In that case, call *2 for customer service.

T-Mobile lets you block messages based on type. Log in to your account online and click My Account, then Change services. Select the blocking features you would like. Click Change Services.

For Verizon, log in to your online account. Select Preferences and choose Text Blocking. Block specific addresses or types of messages.

Skip the formalities

Hate listening to your friend’s obnoxious voice mail greeting? Then skip it. When the greeting starts, enter the appropriate code for the recipient’s carrier.

AT&T: #

Sprint: 1

T-Mobile: #

Verizon: *

Check your account

Don’t know if you used your monthly minutes? Unsure how many text messages you have left? A quick call will tell you. Just use these shortcuts.

AT&T

*MIN# (*646#) for minutes used

*DATA# (*3282#) for text usage

*BAL# (*225#) for account balance

*PAY (*729) to make a payment

Sprint

*4 for billing information

*3 to make a payment

T-Mobile

#MIN# (#646#) for minutes used

#MSG# (#674#) for text usage

#BAL# (#225#) for account balance

Verizon

#MIN (#646) for minutes used

#DATA (#3282) for text usage

#BAL (#225) for account balance

#PMT (#768) to make a payment

Navigate your voice mail

Checking your voice mail can be a chore. My shortcuts will help you out when you’re listening to a message. Speed it up, slow it down, save it and more.

AT&T

1: Rewind

2: Pause

3: Fast forward

4: Slower

5: Message date and time

6: Faster

7: Delete

9: Save

0: Help

(#): Skip

(*): Exit

Sprint

1: Message date and time

2: Reply

3: Fast forward

4: Replay

5: Rewind

6: Forward message

7: Delete

8: Call back

9: Save

0: Help

(#): Skip

(*): Cancel

Verizon

1: Rewind

11: Replay

2: Pause

3: Fast Forward

33: End of message

4: Slow

5: Message date and time

6: Speed

7: Delete

9: Save

0: Help

(*): Exit

(#): Skip

T-Mobile

1: Rewind

11: Replay

2: Pause

3: Fast forward

33: End

44: Slower

66: Faster

7: Delete

9: Save

(#): Skip

Text a landline

Both Sprint and Verizon provide text-to-landline services. Your text message is converted to a voice message and delivered. Simply enter the landline number as you would a mobile number.

Sprint provides this service at no charge; the message counts the same as any other. Verizon however charges 25 cents per message. There is no charge to message recipients.

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11 Really Cool iPhone Keypad Codes

7 Jan

11 Really Cool iPhone Keypad Codes

Your iPhone can browse the net, play myriad games, play YouTube videos and more but there are also some nifty tricks you can use to find out some great information about your phone and run it more smoothly.

In essence, there are a bunch of iPhone keypad codes that you can type in and get back specific information about/from your mobile carrier, phone and billing details.

When you want to use any one of these codes, open your iPhone’s “phone app” and make sure that the keypad button is selected in the bottom menu. Next, type in any code from the list below and press call.

iPhone Codes: Network & Phone Information

*3001#12345#*– Opens up the “Field Test” settings on your iPhone, which allows you to see many, many advanced network settings on your phone including cell site information and more.

*#06# – Displays your iPhone’s International Mobile Equipment Identity (IMEI) number (this code also works on many other phones).

*#21# – Displays any call forwarding settings enabled on your iPhone.

*#43# – Shows you if call waiting for various parts of your phone are either enabled or disabled.

*#30# – Shows you if you have the call presentation (to see who is calling you) setting enabled or disabled.

*#33# – Displays call barring settings for your iPhone, and weather they are enabled or disabled.

iPhone Codes: Carrier & Billing Information

*646# -View available minutes on your AT&T plan (*min#).

*777#- View available minutes on your AT&T pre-paid plan (if you get the “Account Not Found” error, you do not have a pre-paid account and you should try the code just above this one for postpaid accounts).

*3282# – View wireless data usage statistics (also *data#).

*225# – Check the bill balance on your AT&T account (also *bll#).

*729 – Makes a call to AT&T to pay your wireless bill.

Do you have any other iPhone keypad codes / shortcuts to share? Let me know in the comments section or feel free to email me or hit me up on twitter.

 

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

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ISSUE 31: HH MAGAZINE GET INSPIRED.

4 Jan

ISSUE 31: HH MAGAZINE.

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In the Red Corner – Gold Bullion vs. Certified Coins

1 Jan

In the Red Corner – Gold Bullion vs. Certified Coins.

BY Mike Getlin | September 29 2011 1:18 PM

We gold bulls have been licking our wounds over the last few weeks. This summer’s intense upward price movement set the stage for major volatility on the precious metals markets, and long term gold investors are stuck riding out the storm, at least for the moment. Yesterday however, something was brought to my attention by someone out on our trading floor. One of his clients who bought a diversified investment grade coin position early in the month was actually dead even on his overall position. While gold had tumbled by over $300 per ounce, his coins had stayed right where they were showing him no loss whatsoever. Needless to say, this needs a bit of explaining.

Let’s take a look at gold’s correction versus the price movement in a variety of $20 Liberty certified coins. Gold closed at $1895 on September 6th. Over the course of the next 20 calendar days, it shed $297 to close at $1598 on September 26th. That is an overall correction of 18.58% in 14 trading days. The certified $20 Liberty coins fared much better. See the chart below for the comparison.

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The major difference between raw gold bullion and certified coins is the premium (which is often significant) that the coins carry over the spot price of gold. For example, the $20 Liberty in Mint State 66 condition is a coin that sells for well above $15,000. Most investors look at that and wonder why in the world anyone would buy a one ounce coin for over 15 grand! Yet this month, the one who did would be laughing all the way to the bank while the rest of us dream longingly of weeks gone by and $1900 per ounce.

Now this is not to say we should all rush out and dump all our bullion in favor of certified coins. That said, there is clearly an advantage to be gained by owning some of these products that help insulate investors from these volatile markets. The real question is what causes certified coin premiums to change, and what place do these products have in a healthy and diversified gold portfolio.

The debate over whether to buy bullion or certified coins (also referred to as numismatics) has been raging for decades and will probably continue to produce spirited cocktail hour conversation for a long time to come. Some people swear by investment grade numismatics, while others think only a fool would buy anything other than bullion. So who’s right? Both of course. As with most arguments like this, there is a lot of truth to both sides, and each strategy has significant advantages and disadvantages.

On the bullion side, the main argument against certified coins is that they are too expensive. Why pay $3000 per ounce or more for a gold coin when you could buy a Gold Eagle or a bar for $1800? The premium, as well as the dealer’s bid/ask spread is much higher on certified coins as they are more difficult to source and procure. The other argument against them is they tend to move more slowly than bullion coins. For investors who need instant liquidity, or are trying to pop in and out of the markets with some frequency, certified coins present some major drawbacks.

In contrast, numismatists (people who study coins) never forget one simple fact: value comes from scarcity. If you purchase a gold bar this year and sell it in 2015, there will have been millions upon millions more produced and sold between now and then. If you purchase a certified $20 Liberty, you can sleep well at night knowing that never again will a single $20 Liberty coin be produced. It’s hardly even a question of supply and demand, because there really is no supply. Thus when you look at the $20 Liberty MS66 in the graph above, you see it actually increase in value during gold’s worst month in 20 + years. The premiums on certified coins can move quite independently from the gold market and often times increase when gold goes down. This provides strong buoyancy during gold market corrections; something a lot of gold buyers would have loved over the last few weeks.

All in all, there is no real “right” answer as to whether investors are better off with bullion or certified coins. As such, we’re strong believers in owning both. Ideally, a healthy gold portfolio would have both bullion and certified coins. The bullion will move more quickly, provide more gold per dollar invested, and can be bought and sold at lower margins. The certified coins may have higher long term profit potential, benefit from strong demand and scarcity, and can provide stability in a gold market that is likely to become increasingly volatile in the coming years. As with most arguments, the best answer probably borrows a bit from both sides. As with most investments, the best strategy is probably a diversified one.

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HAPPY NEW YEAR FROM CHANGE IN ADVANCE

1 Jan

http://currencynewshound.files.wordpress.com/2012/12/happy_new_year_2013-1.jpeg?w=491&h=368

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Image 31 Dec

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Is Silver your Financial Safe Haven?

26 Dec

Is Silver your Financial Safe Haven?

 

Dollar Decline Chart

 

At first look, most of us would say that the price of gold increased from $20 to $1600/ounce. However this is not accurate. Gold actually still buys the same amount of goods and services that it did in 1933. Gold has basically stayed constant. The dollar’s value fell by a factor of 50- so that it takes 50 times more paper dollars to buy the same amount of goods and services than it did in 1933 (See the price of gas since 2002 alone). Looking forward, we must consider whether the dollar will buy more or less in 10, 20, or even 30 years. The gold you have today will allow you to buy the same amount of goods and services that your money will buy today, 10, 20, or 30 years from now. Viewed from this angle, gold and silver are a way of preserving your wealth. They are a type of wealth insurance.

Many Europeans have long-held 10-20% of their net worth in precious metals for this very purpose. They have a history rich in tragedy: hyperinflation, government changes, borders that have moved and two world wars. Gold’s durability has served them quite well through all sorts of political unrest. In fact, it is perhaps the only constant in a world subject to change.

 

As gold and precious metals are priced and traded in US dollars, they surge in value when the US dollar declines. As the fed prints trillions in new money, the dollar and basically all other currencies will fall precipitously relative to gold. In an environment where the dollar is already weak and many currencies are weaker, investors that wish to keep and grow their wealth (duh, who doesn’t?) must understand the impact of declining currencies on their portfolios.

 

The US and Canadian dollars have lost approximately 84 percent of their purchasing power since 1970!  Most other currencies across the globe have fared no better. Not coincidentally, 1971 was the year the link to the gold standard was cut via President Nixon et al. Only gold, and its two precious metals brethren -silver and platinum- are able to hold their respective values in periods of severe inflation and deflation.

Both Gold and silver benefit from negative economic policies, political tensions, and monetary conditions contribute to a rise of their prices. For this reason gold has always been referred to as the “crisis commodity” and why investors are buying all the gold they can afford.  And the same may be said for silver.

The below trends weaken stocks and other paper investments and cause the price of gold and silver to rise:

War

Inflation

High Oil Prices

Weakness in the U.S. dollar

Budget Deficits

Stock & Bond Market Turmoil

Bank Failures

Loan Defaults

This being said is it any wonder people are buying gold as fast as they can?  Every time it drops a 100 dollars people buy asap.  Are you following that trend?  If so you are smart.

However the trend in silver is the same and gains can be realized faster.

For the sake of discussion lets assume gold is 1600 dollars an ounce and silver is 30 dollars an ounce.  Gold is seen as the big boy in the group but silver affords the real opportunity to max out your portfolio.  For every 1 ounce of gold you can  buy53+ ounces of silver.  Now you might say the dollar value is the same but silver is slept on my friends.  It is used in almost every electronic in your house.  Also in my opinion silver is the sleeper buy.  it will rise faster when the ‘isht’ really hits the fan.  But lets talk turkey- I can’t afford to buy gold at these prices, who can?  However we can all afford to buy silver.  it is even sold in half ounces and quarter ounces.with these small denominations possible for purchase I would argue that we all have a chance to build wealth and create our own hedges against inflation.  after all do you work 35-40 hours a week to just hand it all over to the government, the corner store, cable and the rest of the creature comfort providers?  I’d bet not  So lets work the legal methodologies provided us by the system.

#thriveorsurvive.

“Gold is the wealth of kings……
Silver is the wealth of gentlemen……
Barter is the wealth of peasants……
Debt is the wealth slaves!!!!!”

-Norm Franz.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

 

 

 

 

 

 

 

 

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Who is subsidizing whom?

11 Dec

Who is subsidizing whom?.

Not to say I agree or disagree but lets look at someone else’s perception.

Can’t hurt right?

Who is subsidizing whom?

March 15, 2012 | Posted by Ken Cohen

In its lead editorial yesterday, The Wall Street Journal took a hard look into the Obama administration’s campaign to end so-called “subsidies for Big Oil.” The paper’s conclusion turns the administration’s claims on its head: “The truth is that this industry is subsidizing the government.”

This is the flip side of the coin that few realize – the oil and natural gas industry is an enormous source of revenue for the U.S. government. In fact, the industry pays the federal government approximately $86 million a day – or about $31 billion a year – in rents, royalties, bonuses and corporate taxes. That doesn’t even include the payments made at the local and state levels.

At times, the industry is actually sending more to local, state and federal governments in taxes and fees than what it earns in the United States. According to the Journal:

“Not paying their ‘fair share’? Here’s a staggering fact: The Tax Foundation estimates that, between 1981 and 2008, oil and gas companies sent more dollars to Washington and the state capitols than they earned in profits for shareholders.”

And, keep in mind, the taxes the oil and gas industry pays are only part of a much larger contribution to the U.S. economy. Our industry and the activities that support it accounted for more than $1 trillion of the U.S. economy in 2009, or about 7.7 percent of U.S. gross domestic product, according to a recent study. The industry contributes an estimated $470 billion a year in spending, wages and dividends alone.

So what about those “subsidies” that oil and gas companies supposedly get?

“These aren’t direct cash handouts like those that go to the green lobby,” the Journal says. “They’re deductions from taxes that cover the cost of doing business and earning income to tax in the first place. Most of them are available to other manufacturers.”

I’ve talked at length on this issue, but it bears repeating – attempts to misrepresent the industry’s tax contributions are nothing more than an attempt to pick winners and losers in the marketplace. The fact is that taxpayers would benefit far more from the revenues associated with increased access to U.S. energy supplies than they would from punitive tax measures aimed at oil companies. Policies that support greater energy development could generate $800 billion in government revenue by 2030 through lease sales, royalties, production fees and taxes, according to a recent study.

So when taxpayers see these claims about “subsidizing” oil companies, I think it’s valid to ask: “Who is subsidizing whom?”

 

#thriveorsurvive.

Thoughts? Concerns?
Questions? Think I’m wrong?
Let’s chat.
Need ideas?
Want to learn how to invite?
Let’s chat.
Want a mentor or maybe the guy who will bounce ideas back and forth with you?
Let’s chat-
Tony@Changeinadvance.com
@changeinadvance
http://www.changeinadvance.com
Or simply reply to this article.

 

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