This One Thing Will Ruin Barack Obama

A few big moves stand out in Barack Obama’s Presidency.

  • The $800 billion stimulus plan passed in 2009
  • The $5 trillion in debt accumulation—the most of any President in history
  • The passage of Obamacare… the assassination of Osama Bin Laden… and huge tax increases

But Porter Stansberry – one of the most widely-read financial journalists in America – says these events are nothing compared to the next big surprise that could devastate Obama’s legacy.

Porter is the founder of a financial research firm in Maryland, called Stansberry & Associates Investment Research, and he has agreed to make available a free video presentation that gives you full analysis of this situation.

The End of Obama: A Stansberry & Associates Special Presentation

Over the years, Porter has published research that predicted the collapse of certain companies, and even entire industries.

For example, he accurately described in detail – and well in advance – the collapse of such institutions as GM, Fannie Mae, and Freddie Mac, just to name a few.

More recently, Porter predicted the bankruptcy of Detroit, detailing the collapse of the city with a series of essays dating back to 2009.

Now Porter says there’s a shocking surprise working its way through the Obama administration. In the free video, he reveals how this one event could single-handedly ruin Barack Obama’s Presidency… and perhaps even his entire career.

Even if Porter is only half right, this situation will have a dramatic impact not only on Barack Obama, but also everyone else in this country.

Editor’s Note: For a limited time, Stansberry & Associates is making The End of Obama video presentation available at no charge. We strongly encourage you to check out this important analysis. We believe it will be worth your time, and a real eye-opener.

This article sponsored by Stansberry & Associates

Drivers Are Being Ripped Off By Not Following One Simple Rule

() – Are you being scammed by your current insurer? New policies are indicating that for years many drivers have likely overpaid on their car insurance coverage.

This is the one simple truth your car insurance company doesn’t want you to know. If you’re driving less than 35 miles/day on average and live in you can get an extremely high discount. Did you know that? Or DUI’s… if you have no DUI’s, you can get even more discounts. But do you think your auto insurance company will tell you that? Fat chance.

When Miranda entered her zip code at Insurance.Comparisons.org, she was shocked. She found out her local insurance agent was ripping her off, and she could get car insurance much cheaper.

We managed to reduce our insurance premium by 50%! I only wish we had discovered this sooner.” Miranda exclaimed.

What Miranda did was visit an independent car insurance rate comparison website – Insurance.Comparisons.org, and entered in some basic information. Within seconds, she was shown the different rates that all of the popular insurance companies offered for the criteria she put in. And that’s when she found out she was overpaying.

Does this mean Miranda was being scammed by her former insurance agent? She would not say one way or the other, but the truth is most agents are paid on commission which means the higher your insurance premiums, the more money your agent makes. You can be sure, however, that your insurance company is not going to call you up to offer you a discount.

Did you know that car insurance rates have dropped?

Comparing insurance companies is especially important now, because rates have dropped over the last year or so. In fact, thanks to new program policies, you may be able to save $100’s on your current rate.

So, what is the “One Simple Rule?” NEVER buy insurance without comparing all discounts online first. Out of the 100’s of insurers out there, only a handful will give you really big discounts. But they ARE out there, and they WANT to insure you – you just can’t find each other.

You can automatically compare auto insurance companies – it’s fast, it’s easy, and it’s FREE. Heck, it’s even fun (well, as fun as insurance can be!)

NOTE: You’re NEVER LOCKED into your current policy. If you’ve already paid your current policy, you can very easily cancel and the balance will be refunded.

Indeed, these insurance comparison websites are very easy to use. Customers just need to enter their zip code, and then fill out a simple & short online form. It takes less than 5 minutes, and the insurance company rates that are delivered for your side-by-side comparison are all trusted names you know. It couldn’t be any easier.

According to ComScore’s 2012 U.S. Online Auto Insurance Shopping Report, “nearly 70 percent of shoppers reported getting an online quote”. The report also found that “the online channel remains the preferred channel for customers shopping for auto insurance policies”.

In the end, it’s the smart, diligent consumer that gets the best deals. This is true when shopping for a TV, and it’s true for buying car insurance. If you just go to your local agent and have him or her write what’s available, you are probably paying too much (and also subsidizing the agent’s tropical vacation). But again, the only way to find out for sure is to be a smart consumer and look at insurance companies side by side on an independent comparisons website.

Click Your Age:

     

   

This article sponsored by Insurance.Comparisons.org

Act Now to Refinance Your Home Before It’s Too Late

() – There has never been a better time to refinance your home. That’s because of a little-known government program called the Home Affordable Refinance Plan (HARP). This allows Americans to refinance their homes at shockingly low rates, and reduce their payments by as much as $4,905 a year.

But here’s the catch – like most government programs, this is likely temporary. But the good news is, once you’re in, you’re in. If the thought of a lower payment, fewer years on your mortgage, and even taking some cash equity out of the deal is appealing, the time to act is right now.

A true middle-class stimulus package

This is unknown to many, but the Home Affordable Program is for the middle class. If your mortgage is $625,000 or less, you most likely qualify. Basically, the Government wants banks to cut your rates, which puts more money in your pocket (which is good for the economy). However, the banks aren’t too happy about this – here’s why:

  1. You can shop several lenders, not just your current mortgage holder
  2. Your home’s Loan-to-value (LTV) can be 80% to 125%

You think banks like the above? Rest assured, they do not. They’d rather keep you at the higher rate you financed at years ago. That’s why the pressure is on time-wise. The Middle Class seems to miss out on everything (did you ride the last stock bubble? Probably not). Thus, it’s almost a no-brainer to jump on this now. You should act fast in order to refinance your house at these near historic low refinance rates. If your mortgage rate is currently higher than 3.11%, you can greatly benefit:

  • The average monthly savings is $250. Can you use an extra $250 a month?
  • Many homeowners not only save every month, but depending on their current rates, they can also shorten their term.
  • Get cash now – because the rates are so low, besides the benefits above, many homeowners also opt to take a little cash equity for home improvements, a vacation, or a nice boost to the savings account.

Here is an example of how much can be saved:

Here’s an example of what can be saved by a rate of 3.25% and 6.75% (which is around what many homeowners have when they got loans years ago):

Refinance Example

So this means over the life of your mortgage, you could save more than $150,000. That’s just by lowering your “already good” rate of 6.75% to an even lower 3.25%.

This is why it’s a no-brainer – you will likely lower your payment, possibly shorten your term, AND also get cash. There’s zero downside. This is how powerful that little word called “interest” is. The middle class never sees “breaks” like this. So this is your chance to get “in”.

But how do you find these rates?

Here’s the trick – there are a few free websites out there that will compare mortgage rates for consumers, and allow them to choose the best one (that’s a great thing about the internet – it allows you to do business with lending institutions all over the country).

Our research found that RateMarketplace, one of the country’s largest and most respected refinance comparison websites, is one of the few companies with HARP lenders on its network, and is currently assisting homeowners like you to obtain further information regarding superb mortgage rates.

We like RateMarketplace, because there’s no obligation and their service is fast & easy. It takes about five minutes, and the service is 100% free. You have nothing to lose except money stress.
But you do have to act now.

This article sponsored by Rate Marketplace

Are You Being Overcharged For Your Car Insurance?

Car insurance is one of those items that most people overpay for. And the biggest reason is because they don’t pay attention to the little things.

We all know the obvious things, like having no tickets. But it goes beyond that. The trouble is, most people simply don’t think about their car insurance. In fact, they typically get their car insurance from whomever they get other insurances from, or they just go to a local broker. If this sounds like you, then you are probably paying too much.

We mentioned above that people pay too much because they don’t pay attention to the little things. What most people don’t realize is an insurance agent typically makes money off of the policies they sell, which means the higher the insurance premium, the more money that agent makes. Thankfully, smart drivers have found out how to drastically cut their insurance bill by using online tools to get unbiased quotes.

Here are a few points that will help lower your car insurance expenditures.

  • Realize that you can always switch insurance companies – Most people think they are locked into their car insurance policy until renewal time. That’s 100% false. You can cancel any car insurance policy at any time, and get a prorated refund. This encourages shopping around (more on this later).
  • Drive less than 35 miles per day – We’ve found that many car insurance companies don’t ask how much you drive (they’ll leave it up to you to ask them.) Make sure you bring this up, and ask if there are discounts if you don’t drive very far (like less than 35 miles a day).
  • Your credit may matter, also – If you have good credit, it could lower your premium. Ask about it if your credit score is 650+.
  • Ask about other discounts, like occupation and hybrid cars – Some companies offer discounts to “low risk” occupations (like engineer, teachers, scientists, etc.) Ask if your occupation qualifies. Some companies also offer discounts for electric cars / hybrids.
  • Compare, compare, compare – We cannot stress this enough. Remember earlier where we said you can get out of your current policy? That makes shopping around for the best rates very easy. The savings to be had by doing a little comparison shopping can be huge – often hundreds, if not thousands of dollars!

Comparing the different options the old way can be a time-intensive process and not really efficient, as there are 100’s of insurers out there. Thankfully, new online services now make it remarkably quick and easy to get multiple competitive quotes, so that you can easily find the lowest quote for you.

One of the most common of these free new services is called Insurance.Comparisons.org, which is remarkably fast and easy to use. You just need to enter your zip code, and then fill out a simple online form. It takes less than 5 minutes to get the auto insurance companies, all trusted names, compete over you (which encourages them to offer you their very best rates). You’ll be surprised at what you can save.

According to ComScore’s 2012 U.S. Online Auto Insurance Shopping Report, “nearly 70 percent of shoppers reported getting an online quote”. The report also found that “the online channel remains the preferred channel for customers shopping for auto insurance policies”.

If you too would like to receive the benefits of using a free car insurance comparisons service you can simply visit one of the top comparison websites, enter your zip code and some basic information and within minutes you will gain access to the system’s no obligation quotes. Once you go through a few questions, you will have the opportunity to compare the best carrier quotes available in your area. Fast, Easy & Free.

In the end, you have to realize that you can save $100’s a year if you just do a little homework in regards to car insurance. Forget the ads that say there are “tricks” – there really are no tricks except the things we mention above. Be aware of what you can do, learn about what kind of discounts you may be eligible for, and let the insurance companies come to you with their best offers, like they will when you compare them.

Best of luck, and happy savings!

This article sponsored by Insurance.Comparisons.org

Why this Little Critter Might Just Save Your Life

Heart disease will be responsible for one out of every three deaths in American this year. It’s a startling statistic that should concern anyone out of their teenage years.

It doesn’t have to be that way, because the most common cause of heart disease is high cholesterol, and in most cases it’s relatively easy to control. Diet and exercise are important, and for those looking for extra help one of the best places to look are the omega-3 fatty acids found in krill oil.

Why You Should Get Your Omega-3 From Krill Oil

It’s been well established that omega-3 fatty acids are vital for normal, healthy development and growth, as well as for helping prevent heart disease and stroke. But because the human body doesn’t produce them naturally, most people get their omega-3s from eating items like nuts, soybeans, tofu and coldwater fish, or from taking fish oil supplements.

Why is this important? According to the National Library of Medicine website, the omega-3 fatty acids found in fish oil can “lower blood pressure or triglyceride levels (fats related to cholesterol)… The scientific evidence suggests that fish oil really does lower high triglycerides, and it also seems to help prevent heart disease and stroke when taken in the recommended amounts.”

Now scientists are discovering the benefits of krill oil, which comes from small crustaceans rather than the fatty fish used in traditional fish oil supplements. Krill oil not only supplies the omega-3 fatty acids you need, but it also supports numerous other health benefits. And one of the top products on the market is called OmegaK.

The omega-3 fatty acids found in OmegaK are linked to an antioxidant and other potentially beneficial substances called phospholipids. Together, these ingredients have been shown to improve heart health, lower cholesterol, boost energy levels, improve memory and cognitive functions, and relieve joint pain caused by many different forms of arthritis. They’ve even been shown to help control PMS symptoms.

What’s more, because most of your body’s cells already contain phospholipids in their cell membranes, it’s easier for OmegaK’s nutrients to be processed and absorbed into the body. And unlike traditional fish oils, there are no fishy burps, breath, or other side effects.

But what really sets OmegaK apart is its purity. It’s farmed in pure Antarctic waters, and it’s free of the contaminates, toxins, and mercury that may be found in mass-marketed fish and fish oils. These harmful substances can cause numerous health problems, from sickness to cancer. In fact, some major fish oil suppliers were required to remove their products from consumer shelves due to high levels of contaminants found in the oil.

With OmegaK, there are no adverse health reactions.

By taking 2 easy-to-swallow OmegaK gel pills a day, you’re giving your body the omega-3 fatty acids and antioxidants it needs to function at its healthy peak.

Right now the manufacturer’s site is offering a special deal: For a very limited time you can save over $336.00 on 8 bottles of OmegaK AND get FREE Shipping!

Also, understand you are fully protected by the founder of the company’s personal 60-Day guarantee: If the quality of OmegaK doesn’t live up to its reputation as the finest in krill oil, or you don’t see and feel the results OmegaK can give you, simply return the unused portion and they will give you an immediate 100% money back refund.

Heart disease is still a very real threat in this country, but with the new discovery of krill oil supplements like OmegaK, that statistic may be changing.

Click here to get your OmegaK today.

This article sponsored by OmegaK

Get “Movie Star” Eyelashes Without Makeup

The world of beauty products was recently turned on its ear… or in this case, on its eyelashes.

That’s because Eyelash Enhancers are now available without a prescription, and have taken the industry by storm. 2013 promises fuller, thicker eyelashes for millions of people.

What Makes Eyelash Enhancers So Exciting?

The obvious question is “why not just use mascara or fake lashes?” Well, fair enough – people have been doing that for years. But Eyelash Enhancers offer something different: a way to make your own lashes fuller and thicker, without makeup or “falsies”. Just great looking eyelashes, all day, every day.

But Which Eyelash Enhancer to Choose?

Ahhh, the million dollar question – which non-prescription eyelash enhancer is the best? In searching for an answer, we found that one brand is consistently awarded five-stars by regular shoppers at dermstore.com (the internet’s premier skin care and beauty product store) – SmartLash.

In fact, SmartLash is the non-prescription eyelash enhancer that is mentioned again and again when asking physicians, ophthalmologists, and dermatologists about them. Indeed, world-renowned, board-certified dermatologist, Dr. Gary Goldfaden, MD states: “After using SmartLash for 4 weeks, my lashes are fuller and noticeably longer.” He went on to address the point that older, prescription-based eyelash enhancers caused some people irritation, where SmartLash does not: “I did not experience any irritation or discoloration on my eye lids, so I would definitely recommend SmartLash to anyone, even to those who experience eye sensitivity” he added.

How Fast do Eyelash Enhancers Work, and are they Safe?

Unlike the old prescription based eyelash enhancers, non-prescription eyelash enhancers are hormone-free, with no side effects. Instead of using harmful hormones, non-prescription eyelash enhancers like SmartLash use natural amino acids, polypeptides, and other conditioning ingredients to help your lashes look their best, naturally. You’ll get longer, fuller, lashes that resist breaking, without side effects. And you’ll get them quickly, typically within 1-4 weeks.

Testing backs this up. SmartLash, for instance, has made public its clinical study, where 46 percent of participants who used SmartLash saw a difference in their eyelashes in just seven days, and 100 percent saw a difference in 14 days. Even better, these results are substantial, with up to a 68% increase in lash length appearance.

Read the Reviews, and Decide for Yourself

You can read the Dermstore reviews on SmartLash, and see what real people are saying about this 5-star rated Eyelash Enhancer.

And take advantage of this Limited Time Offer.

This article sponsored by DermStore

Obama’s Home Loan Modification Plan – Perks and Eligibility

People all over the country find themselves in serious trouble nowadays. House pricing is going down, and the number of nationwide layoffs are rendering a larger number of people than ever unable to make their monthly mortgage payment. Effective March 4, 2009, Obama’s home loan modification plan identifies at-risk homeowners and works with them to keep their house from being foreclosed.

This new plan from the White House differs from older efforts by lending institutions to address borrowers that were falling behind on payments. The President’s Making Home Affordable plan gives lenders a consistent, logical process to follow when modifying home loans to lower monthly payments. Doing so increased the ability of homeowners to pay and in many cases circumvents a foreclosure.

When a lender identifies a homeowner as an at-risk party for foreclosure, their first step is to consider whether a Hope for Homeowners refinance is an option. This is a special refinance option under Obama’s Making Home Affordable plan. If they are not eligible for refinance, they begin the loan modification process.

Loan modification ultimately depends on a homeowner’s gross monthly income, so the first step is to calculate and prove monthly income. For this, last year’s tax information, two pay stubs, or a letter from an employer is necessary. After verifying income, lenders follow the standard process known as the Standard Waterfall to reduce the borrower’s monthly payment to 38% of their gross monthly income.

Under the Standard Waterfall, the lender must first decrease interest rates. These deductions are made in increments of 0.125%, all the way down to a floor of 2% interest rate if necessary. If that does not allow the monthly payment to be less than the 38% target, the loan can be extended as many as 40 years after the time of modification. If the 38% target is still not reached, then the lender may choose to forgive loan principal. However, the lenders by no means have to forbear principal if they do not want to. It is only an option for them to meet the 38% threshold.

In return for pointing out at-risk homeowners and getting them modified loan terms, participating lending institutions get a one-time incentive of $1,000. They also receive successive payments of $1,000 per year (for up to three years) for modified loans that are successfully paid and current. Homeowners also receive incentive payments. They can get up to $1,000 a year for up to five years for honoring their new modified commitments every month and staying current on their loan.