tag:blogger.com,1999:blog-54947334557592193682024-03-13T00:28:52.118-04:00Generation MillionaireGeneration Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.comBlogger241125tag:blogger.com,1999:blog-5494733455759219368.post-77874783098169817042011-01-14T18:50:00.002-05:002011-01-14T18:56:04.707-05:00Happy New Year!<a href="http://4.bp.blogspot.com/_agYJUcKVkDk/TTDiZfnkq8I/AAAAAAAAAiM/qsQ85wApF-0/s1600/fireworks.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 400px; FLOAT: right; HEIGHT: 300px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5562194467414649794" border="0" alt="" src="http://4.bp.blogspot.com/_agYJUcKVkDk/TTDiZfnkq8I/AAAAAAAAAiM/qsQ85wApF-0/s400/fireworks.jpg" /></a><br /><div><span style="font-family:verdana;">Yes, I know we're well into 2011 and "Happy New Year" is so fourteen-days-ago! :) But, 2011 has gotten off to a busy (and cold!) start. I wanted to drop in to say a quick hello to everyone and THANK YOU profusely for being a part of the Generation Millionaire blog, Facebook, and Twitter community! I'm glad you're here!</span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">I hope you will find 2011 to be a great year, and I hope to inspire you to make great financial choices that will yield million$ of possiblities down the road! </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">If you aren't following our Facebook page yet - please be sure to do so! </span><a href="http://www.facebook.com/generationmillionaire"><span style="font-family:verdana;color:#ff6600;">www.facebook.com/generationmillionaire</span></a><span style="font-family:verdana;">. </span></div><div><span style="font-family:Verdana;"></span> </div><div><span style="font-family:Verdana;">Stay tuned...</span></div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com1tag:blogger.com,1999:blog-5494733455759219368.post-43412024890238021832010-12-28T15:17:00.002-05:002010-12-28T15:30:05.625-05:00Changes in the New Year<a href="http://2.bp.blogspot.com/_agYJUcKVkDk/TRpIvOG9jXI/AAAAAAAAAiE/9pO9teGRW34/s1600/Ecuador%2B030.jpg"><img style="TEXT-ALIGN: center; MARGIN: 0px auto 10px; WIDTH: 400px; DISPLAY: block; HEIGHT: 300px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5555833066393275762" border="0" alt="" src="http://2.bp.blogspot.com/_agYJUcKVkDk/TRpIvOG9jXI/AAAAAAAAAiE/9pO9teGRW34/s400/Ecuador%2B030.jpg" /></a><br /><div><span style="font-family:verdana;">Hoping you all had a wonderful holiday season and are excited going into the new year. </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Going in to the new year - we have some exciting changes going on with Generation Millionaire.</span></div><br /><div><span style="font-family:verdana;">First - we are taking a sabatical with the blog and urge you to follow our facebook fan page.</span></div><br /><div><a href="http://www.facebook.com/generationmillionaire"><span style="font-family:verdana;color:#cc6600;"><strong>http://www.facebook.com/generationmillionaire</strong></span></a></div><br /><div><span style="font-family:verdana;color:#cc6600;"><strong></strong></span></div><br /><div><span style="font-family:verdana;">please like us - and refer ALL of your friends. </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Next, we will continue our in person college and military presentations but we are adding a webinar option. This will give the organizations more flexibility and hopefully more people will be able to view the presentations.</span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">You can contact me at </span><a href="mailto:generationmillionaire@gmail.com"><span style="font-family:verdana;color:#ff6600;"><strong>generationmillionaire@gmail.com</strong></span></a><span style="font-family:verdana;"> or 513-374-4217 to discuss hiring GenM to educate your students.</span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Looking forward to a wonderful 2011.</span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Stay tuned......</span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;"></span></div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-11762150282764260402010-12-14T10:57:00.002-05:002010-12-14T11:37:20.068-05:00<p align="center"><span style="font-family:verdana;">Have you ever bought something and then regretted it?</span></p><br /><br /><p align="justify"><a href="http://2.bp.blogspot.com/_agYJUcKVkDk/TQeUWSZfclI/AAAAAAAAAh4/7rkagGCKf2g/s1600/-shopping%2Bbags.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 680px; FLOAT: right; HEIGHT: 379px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5550568176374215250" border="0" alt="" src="http://2.bp.blogspot.com/_agYJUcKVkDk/TQeUWSZfclI/AAAAAAAAAh4/7rkagGCKf2g/s320/-shopping%2Bbags.jpg" /></a></p><p><span style="font-family:verdana;">Did you know that if you walk in to a store and try on a shirt that costs $80 - if you put it on and don't like you will take it off and put it back on the rack. Now if that exact same shirt is on sale and now say $40 dollars - a whole different set of things happen.</span></p><p><span style="font-family:verdana;">You will look in the mirror, turn around a few times, stand on your toes to see how it looks and there is a very good chance you will buy the shirt! This is a proven fact.</span></p><p><span style="font-family:verdana;">You will second guess your own judgement - to not miss out on what appears to be a good deal.</span></p><p><span style="font-family:verdana;">Then you will probably never or very rarely wear it.</span></p><p><span style="font-family:verdana;">Here is how I shop. Nothing is ever on sale. (even if it is). Either I love it or I don't. No one is going to mess with my judgement ever again!!!</span></p><p><span style="font-family:verdana;">Stay tuned.......</span></p>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-33801924899803669902010-11-23T17:31:00.003-05:002010-12-02T18:11:24.918-05:00Way Back When<a href="http://4.bp.blogspot.com/_agYJUcKVkDk/TPgnK3rW1-I/AAAAAAAAAhw/Ihng89R1b70/s1600/5-send_money_by_credit.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 320px; FLOAT: right; HEIGHT: 240px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5546226008804743138" border="0" alt="" src="http://4.bp.blogspot.com/_agYJUcKVkDk/TPgnK3rW1-I/AAAAAAAAAhw/Ihng89R1b70/s320/5-send_money_by_credit.jpg" /></a><span xmlns=""><span style="font-family:Verdana;font-size:180%;color:#f79646;"><strong>"Who recalls when folks got along without something if it cost too much?" </strong></span></span>
<br /><span xmlns=""><span style="font-family:Verdana;font-size:14;"><strong><span style="font-size:180%;">~Kin Hubbard
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<br /><p><span style="font-family:Verdana;">Not too many generations ago, the idea of making a purchase when money wasn't readily available was practically unheard of. If something was wanted or needed, it was saved for and it wasn't purchased until it could be paid in cash. In our society of instant gratification, it's almost a laughable concept. <em>I want it now, can't pay for it now, so I'll charge it.
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<br /><p><span style="font-family:Verdana;">Much can be learned from the wisdom of those long ago years. Once things were obtained, they were more appreciated. They were cared for and valued in a way that our instant gratification way of thinking doesn't readily allow. Back then, if it was broken, it wasn't immediately replaced.
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<br /><p><span style="font-family:Verdana;">Think about your computer. If it suddenly crashed, finding the money to buy a new one would probably be a priority for most of us. And it's understandable as many of us make a living or go to school on our computers. It's not easy to just go without Internet access now when we have so much of our lives wrapped up in cyberspace. So we'll concede on this one… maybe this waiting-to-purchase philosophy isn't so great for every aspect of our lives. But are there other areas to which we can apply it?
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<br /><p><span style="font-family:Verdana;">New shoes, new coat, new cell phone, new car, new clothes, new iTunes downloads… Are these purchases that HAVE to be made immediately? Maybe. Something spills down your shirt on your way to an important meeting, you may have to stop and buy a new shirt. But pausing before purchase…many, possibly most of your wants might be delayed, at least until you've saved enough to pay cash.
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<br /><p><span style="font-family:Verdana;">What do you think?
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<br />Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-28906333807741680062010-11-18T17:27:00.001-05:002010-11-18T17:27:42.983-05:00Thanksgiving on a Budget<span xmlns=''><p><span style='font-family:Verdana; font-size:12pt'>With our discussions about holidays on a budget – we thought this was a great article about saving during a meal traditionally noted for excess…<br /></span></p><p><br /> </p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'>Thanksgiving Dinner on a Budget 101<br /></span></p><p><span style='font-family:Verdana; font-size:12pt'>Andy Reynolds <br/><br /> </span></p><p><span style='font-family:Verdana; font-size:12pt'>Your Thanksgiving dinner doesn't have to be bare bones just because you're on a budget.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'>The holiday season is all about excess. But in this financial climate, simple meals and décor can seem tastefully elegant instead of Dickensian. This year, it's de rigueur to forgo the fancy spread and get back to basics. Here's how: <br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><strong>Plan Ahead</strong> -- Open your day planner and circle Nov. 1 with a red pen. This is when you should start planning your menu. The turkey will account for nearly 40 percent of the cost of Thanksgiving dinner. Buy it early, and get a frozen bird -- it'll store easier, defrost better and roast up juicier. A week before Thanksgiving, commit an afternoon to prep work. Tear up bread for stuffing, mix dough for pie crusts and dinner rolls, and simmer chicken to make stock. Plan your shopping excursion on double-coupon day, and take careful inventory of your pantry so you don't buy unnecessary items.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><strong>Stick to the Classics</strong> -- Thanksgiving is no time to experiment with unusual dishes or recipes that exceed your skill level. You've got a hungry crowd waiting, and they'll expect traditional dishes. When that clove-studded, orange-infused turkey falls flat, you'll have to tack on another $20 to your budget to cover Chinese takeout for your hungry guests. You really can't go wrong with a classic menu of roast turkey, stuffing, green beans, mashed potatoes, cranberry sauce and pumpkin pie. As a rule of thumb, choose recipes with the fewest ingredients and steps to save money and time.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><strong>Deviate from the Classics</strong> – An untraditional Thanksgiving dinner can make a chic culinary statement and cost less than the storybook spread. Instead of roasting a turkey, grill turkey burgers. Knead fresh tarragon into the patties, and finish them off with a Gwyneth Paltrow-approved condiment: cranberry ketchup, a combination of cranberry chutney and tomato ketchup. Instead of Champagne, serve cranberry-sparkling water spritzers, or make a root beer float with pumpkin-flavored ice-cream.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><strong>Add More Décor</strong> -- Nothing sets the occasion quite like an enchanting dinner table. You don't have to spend a fortune at the florist to create an autumnal wonderland; rather, collect natural elements from your backyard for free, fresh décor. For the centerpiece, fill a vase halfway with acorns, then arrange willow branches, sturdy sticks and gold and red leaves to cascade over the top. Make place cards with tiny squares of ivory card stock secured to pinecones. Light a few taper candles, and the dining room will be aglow with the magic of the holidays.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><strong>Tell Guests It's BYOS (Bring Your Own Side)</strong> -- As long as you let guests know well in advance, they won't mind bringing something to dinner. You can focus on the bird and assign the starches, vegetables, cranberries and dessert to friends and family. This way, you can put a little extra toward your wine budget.<br /><table border='0' style='border-collapse:collapse'><colgroup><col style='width:8px'/></colgroup><tbody valign='top'><tr><td style='padding-top: 1px; padding-left: 1px; padding-bottom: 1px; padding-right: 1px' vAlign='middle'> </td></tr></tbody></table><p><strong>Be a Discerning Host</strong> -- If money is tight, you don't have to be the hostess with the mostest -- it's better to be a discerning host. Make thoughtful, smart choices about your dinner spread while keeping your guests' tastes and your financial means in mind. For instance, if your crowd prefers white meat, purchase a smaller, less expensive turkey breast. Perhaps a full dinner isn't an option this year. You could always host a morning brunch. A few pastries, quiches and mimosas will hold over your friends and family until they're off to their dinner celebrations. Or, throw an after-dinner soiree: Put on a pot of coffee, mix up a signature cocktail and arrange petit fours, fresh fruit and cheese on a tray. You'll close out turkey day with style and panache!<br /></p></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-40636877313647605382010-11-15T12:44:00.004-05:002010-11-15T13:02:35.364-05:00Where do I invest the money I am saving?<span style="font-family:verdana;">Thank you University of Arkansas Little Rock</span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">Thank you </span><a href="http://http//ualr.edu/"><strong><span style="font-family:verdana;color:#ff6600;">UALR</span></strong></a><span style="font-family:verdana;"> for a great Wednesday, November 10, 2010. I enjoyed meeting and presenting to your student body. Where do I invest my small amounts of money I am saving? </span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">For young adults this couldn't be a better time. The market is low and you have time. All you have to do is ACT! What are you waiting for? </span><a href="http://individual.troweprice.com/public/Retail/Retirement/IRA/Traditional-vs.-Roth"><span style="font-family:verdana;"><span style="color:#ff6600;"><strong>T Rowe Price</strong></span> </span></a><span style="font-family:verdana;">has an account you can start for $50 a month or $1000. If you go with the automatic account builder it will help you make small changes so you can continue to contribute every month. We are talking $12.50 a week. One less fast food meal and speciality coffee a week - will start to build you wealth and security.</span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">Basic Rules for Investing in an IRA</span><br /><span style="font-family:verdana;">1 Need earned income</span><br /><span style="font-family:verdana;">2. 2009 limit $5000, if over age 50 $6000</span><br /><span style="font-family:verdana;">3. Can not contribute more that you earn </span><br /><span style="font-family:verdana;">4. Roth IRA is normally the best choice for young investors</span><br /><span style="font-family:verdana;">5. Investment - research all in one funds/target retirement date</span><br /><span style="font-family:verdana;"></span><br /><strong><span style="font-family:verdana;color:#ff6600;"></span></strong><a href="http://individual.troweprice.com/public/Retail/Retirement/IRA/Roth-IRA"><strong><span style="font-family:verdana;color:#ff6600;">T. Rowe Price </span></strong></a><span style="font-family:verdana;">gives an excellent data sheet on the differences and eligibility for IRA investing. If you have concerns feel free to comment on the blog and I will be happy to answer your questions. After much research T Rowe Price had the lowest minimum to get a new investor started. Other discount firms such as </span><a href="https://www.fidelity.com/"><strong><span style="font-family:verdana;color:#ff6600;">Fidelity Investments </span></strong></a><span style="font-family:verdana;">had a minimum of $200 amount on an automatic account builder and<span style="color:#ff6600;"><strong> </strong></span></span><a href="http://www.vanguard.com/"><span style="font-family:verdana;color:#ff6600;"><strong>Vanguard</strong></span></a><span style="font-family:verdana;"> had a $3000 minimum. </span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">All the above companies have licensed representatives available to answer your questions and assist you. They are all salaried and not on commission. This keeps fees low and the representative from pressuring you into a product you don't need. Minimums may change so be sure to ask when you are calling to discuss your options.</span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">As always check with a financial professional prior to making any investment decisions. </span><br /><span style="font-family:verdana;"></span><br /><span style="font-family:verdana;">Happy Investing... Stay tuned................</span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-79726191824409398772010-11-11T17:41:00.002-05:002010-11-11T17:49:48.364-05:00Veteran's Day - the Cost of Serving<a href="http://1.bp.blogspot.com/_agYJUcKVkDk/TNxzBk5AdwI/AAAAAAAAAho/IEK1zKqEqvM/s1600/american-flag1.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 320px; FLOAT: right; HEIGHT: 212px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5538428112678713090" border="0" alt="" src="http://1.bp.blogspot.com/_agYJUcKVkDk/TNxzBk5AdwI/AAAAAAAAAho/IEK1zKqEqvM/s320/american-flag1.jpg" /></a><br /><div>At Generation Millionaire, we teach about saving for tomorrow, paying yourself first, and making smart financial decisions. We live in a country where it is possible for anyone to become a millionaire with creative ingenuity and the passion to make it happen. </div><br /><div></div><br /><div>Today, we celebrate Veteran's Day and we thank those who have served our country.</div><br /><div></div><br /><div>Those who enlist in the armed services are fighting, not only for our freedoms, but for the security and freedom to persue our individual dreams. We honor them today and are grateful to them for the sacrifices they make...not only do they risk their lives, they sacrifice the time with parents, siblings, spouses, children, and friends. They live in conditions many of us dependent upon central air and heat can barely fathom. Every day, they sacrifice to enable OUR dreams to become reality.</div><br /><div></div><br /><div>To the veterans who have served or are currently serving in the armed forces - thank you. Thank you for making the sacrifice for those of us at home. </div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-32568126455999154362010-11-10T16:01:00.001-05:002010-11-10T16:01:11.164-05:0020-Somethings – Get Ready for a ‘Thrisis’<span xmlns=''><p><span style='font-family:Verdana'>We had another post planned for today, but when we saw this article – we decided to repost it and hold ours for Thursday. Great article for the 20-somethings out there!<br /></span></p><p><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana; font-size:14pt'><strong>20-somethings -- get ready for a 'thrisis'<br /></strong></span></p><p style='background: white'><span style='font-family:Verdana'><span style='color:#666666'>By </span><span style='color:black'><strong>Andrea Lavinthal </strong></span><span style='color:#666666'>and</span><span style='color:black'><strong> Jessica Rozler,</strong></span><span style='color:#666666'> Special to CNN <br /></span></span></p><p><span style='font-family:Verdana'><br /> </span></p><p style='background: white'><span style='font-family:Verdana'><em><span style='color:black'>Editor's note: Andrea Lavinthal and Jessica Rozler are authors of "<a target='new' href='http://www.yoursocalledlife.com/books.html'/></span><span style='color:#004276'>The Hookup Handbook" and "Friend or Frenemy?"</span><span style='color:black'> Their latest book <a target='new' href='http://www.yoursocalledlife.com/'/></span><span style='color:#004276'>"Your So-Called Life"</span></em><span style='color:black'><em> mixes humor with advice for women headed for their 30s. </em><br /> </span></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'><strong>(CNN)</strong> -- Despite lackluster reviews and declining ratings we're holding out hope for "$#*! My Dad Says," the new CBS comedy starring William Shatner. No, we're not particularly big fans of the 79-year-old actor, but we do appreciate the prime-time sitcom's realistic portrayal of adulthood. <br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='font-family:Verdana'><span style='color:black'>For those who don't know, the show is based on the <a target='new' href='http://twitter.com/shitmydadsays'/></span><span style='color:#004276'>wildly popular Twitter feed of Justin Halpern</span><span style='color:black'>, a comedy writer who moved back into his parents' house in his late 20s and started documenting the hilarious -- and profanity-laced -- musings of his father.<br /></span></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='font-family:Verdana'><span style='color:black'>With more and more adults living under the same roof as their parents -- 85 percent of college seniors planned to return home after graduation, according to a <a href='http://money.cnn.com/2010/10/14/pf/boomerang_kids_move_home/index.htm'/></span><span style='color:#004276'>recent poll</span><span style='color:black'>) -- one thing is for certain: For most 20-somethings, and a lot of 30-somethings, the road to becoming a genuine grown-up, minus the air quotes, is an increasingly long one.<br /></span></span></p><p style='background: white'><span style='color:black; font-family:Verdana'>Sure, delaying the onset of adulthood isn't exactly breaking news, but here's what is: People are finally paying attention to the late 20s and early 30s, that gray zone when you're not young enough to be <em>young</em> and not old enough to be <em>old.</em><br /> </span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>Forget the quarterlife crisis -- that post-college moment of clarity when you realize that working at a job actually requires -- you know -- <em>work.</em><br /> </span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>This is a "thrisis" -- an uneasiness people experience as they hit the big 3-0. Or the big 3-uh-oh, as we like to call it.<br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>These feelings of anxiety crept into our own lives as we left our 20s. Our peers -- whether single or married, with or without children, unemployed or climbing the corporate ladder -- had to two primary questions as they neared 30: <br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>• Is this what it feels like to be an adult? <br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>• And am I normal? <br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>(Spoiler: The answer to both questions is most likely "yes.")<br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>While a discussion of 20-somethings inevitably turns into a lament about the younger generation, with their buffet-of-life choices, lack of responsibility, and refusal to grow up, here's the truth: This isn't your mother's 30. <br /></span></p><p style='background: white'><span style='color:black; font-family:Verdana'>These choices come with the pressure to not only have it all, but to make it perfect -- the HGTV-worthy house, gifted children, high-powered career, and soul mate. A tough current economic climate has made it difficult for people of all ages to mark the "traditional" adult milestones, making adulthood even more complicated.<br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>In addition to the pressure for perfection, today, we also have the added anxiety of living our lives more publicly than ever before. Thanks to social networking and other forms of digital dishing, not only can we spend hours navel-gazing online, but we can also gaze at each other's navels via social networking sites. <br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='font-family:Verdana'><span style='color:black'>Now you can log onto <a target='new' href='http://www.facebook.com/'/></span><span style='color:#004276'>Facebook</span><span style='color:black'> or Twitter and find out that your younger cousin is pregnant (again), your best friend got a promotion, and your college roommate is engaged. It's easier to compare and contrast our friends' life trajectories to our own and then blog, tweet, text, and instant message about it.<br /></span></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>While the thrisis isn't exactly fun, there is some good news: You'll realize that part of being an adult is understanding that "figuring it all out" is a lifelong task even for the biggest grown-ups among us, not a goal that must be reached by an arbitrary birthday. You'll also gain a lot a more out of a thrisis than you'll lose -- good stuff like maturity, self-awareness, and perspective.<br /></span></p><p style='background: white'><br /> </p><p style='background: white'><span style='color:black; font-family:Verdana'>Speaking of perspective, let's step back for a moment and not forget that 30 isn't exactly geriatric, for gosh sakes. Plus, more research shows we actually get happier as we get older. We should all be so lucky to have a life re-evaluation at age 100, although "century-is" or "hundred-is" just doesn't have the same ring to it as thrisis does.<br /></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-14169758339159513532010-11-04T17:10:00.002-04:002010-11-04T17:20:51.636-04:00To Dry Clean...or Not to Dry Clean??<a href="http://2.bp.blogspot.com/_agYJUcKVkDk/TNMjo96tiKI/AAAAAAAAAhQ/F3a3we7Cf6w/s1600/washer+and+dryer.jpg"><span style="font-family:verdana;"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 320px; FLOAT: right; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5535807553691027618" border="0" alt="" src="http://2.bp.blogspot.com/_agYJUcKVkDk/TNMjo96tiKI/AAAAAAAAAhQ/F3a3we7Cf6w/s320/washer+and+dryer.jpg" /></span></a><span style="font-family:verdana;"><br /></span><div><span style="font-family:verdana;">Did you know that clothing manufacturers are only allowed to list one way to care for a garment? Very often - they choose dry clean only simply because that's the safest method. It's also the most expensive. </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Consider the fabric. I've done this for years and have only had two "Oops!" moments. Take silks, wool, taffeta, velvet, and other known delicate fabrics to the cleaners. Save money on your clothes made from cotton, linen, polyester, acrylic, and nylon. They can almost always be washed at home. We recommend turning clothes inside out, and using the gentle cycle. </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Add to your savings by hanging clothes to dry (or with sweaters - lay them flat to avoid weird ridges that hangers make in the shoulders). You may wonder why you shouldn't use the low-heat setting on the dryer? For one - it will take longer to dry the clothes and use more energy (translation: money). Besides - if you clean your lint tray out regularly, you know that the dryer slowly and systematically breaks down fabric...that's what you peel off and throw away! </span></div><br /><div><span style="font-family:verdana;"></span></div><br /><div><span style="font-family:verdana;">Make your clothing last longer with smart care and remember that when the manufacturer says "Dry Clean Only," they are looking out for their best interests (fewer customer complaints), not your wallet.</span></div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-19358872816660787542010-11-02T17:04:00.002-04:002010-11-02T17:07:16.368-04:00Making Your Clothes Last Longer…<a href="http://4.bp.blogspot.com/_agYJUcKVkDk/TNB9fxPKW-I/AAAAAAAAAhI/_SQWbEdMBu0/s1600/clothing+1.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 320px; FLOAT: right; HEIGHT: 320px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5535061926784687074" border="0" alt="" src="http://4.bp.blogspot.com/_agYJUcKVkDk/TNB9fxPKW-I/AAAAAAAAAhI/_SQWbEdMBu0/s320/clothing+1.jpg" /></a><br /><div><span xmlns=""><br /><p><span style="font-family:Verdana;">Today's blog is a repost from Reader's Digest and is a great resource for taking care of clothes. The longer they last - the less you have to spend!<br /></span></p><br /><p><br /><span style="font-family:Verdana;color:#333333;"><strong>Super Saves for Stained Clothing<br /></strong></span></p><br /><p style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Did you spill red wine all over your shirt? Is that lipstick smear hanging around? These secret stain removal tips will help you save your favorite clothes.<br /></strong></span></p><br /><p style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Wash out make-up spills with baking soda</strong><br />If you've spilled liquid foundation onto a blouse, go to the kitchen and get some baking soda. Sprinkle the powder onto the stain until it's completely covered and press it gently into the fabric. Wet a nailbrush or a toothbrush and lightly brush the spot. If any make-up remains, repeat the process until all traces have disappeared.<br /><br /><strong>Foundation shaker #2: Bread</strong><br />Blot up liquid foundation make-up spills on washable fabrics using a piece of fresh white bread kneaded into a ball. The bread treatment should also erase pencil marks on wool and washable clothing. Resist the temptation to use a pencil rubber to erase pencil marks; in most cases it will only make them look worse.<br /><br /><strong>Lipstick smear remover #1: Petroleum jelly</strong><br />Dabbing petroleum jelly onto lipstick marks before washing a garment is a removal method used by stain specialists. If it's good enough for pros, it should be good enough for you.<br /><br /><strong>Lipstick smear remover #2: Bread</strong><br />Tear out the doughy center of white bread and knead it into a ball, then blot the smear repeatedly with the dough until the stain lifts from the fabric. Now wash the garment. The dough ball is also safe to use on lipstick marks on dry-clean only wool clothing.<br /><br /><strong>Soak out tomato sauce stains</strong><br />You have to be brave to eat pasta while wearing a white shirt without a napkin tucked into the front collar. For an effective tomato-sauce spot eradicator, combine 1/2 cup (125ml) 3 per cent hydrogen peroxide and 3 cups (750ml) water in a bowl or clean sink. Soak the stain in the solution for 30 minutes before washing the shirt.<br /><br /><strong>Shaving cream tomato-sauce remover</strong><br />Take a can of non-gel shaving cream and spray it onto the stain, rub it in gently and let it dry before washing as normal.<br /><br /><strong>Milk an ink stain</strong><br />To get rid of a nasty ink blot on a shirt, put 2-3 tablespoons cornstarch into a bowl and then stir into full-fat milk until you have made a thick paste. Cover the stain with the paste and let it sit for 3-4 hours. Then brush off the paste and wash the shirt. Another paste to try is 2 tablespoons cream of tartar mixed with 2 tablespoons lemon juice.<br /><br /><strong>Remove red wine stains</strong><br />Although the wine tasted terrific, the drops left on your pants don't look all that great the next morning. Soda water is a common antidote for red wine stains, but if that doesn't work, try one of these treatments:<br /></span></p><br /><p style="BACKGROUND: white; MARGIN-LEFT: 36pt"><br /></p><br /><ul><br /><li><br /><div style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Borax</strong><br />Dissolve 1 tablespoon borax in 2 cups (500ml) warm water. Submerge the stained part of the garment in the solution and soak for 1 minute, then put the item in the washing machine.<br /></span></div></li><br /><li><br /><div style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Liquid hand soap and vinegar </strong><br />Dilute liquid hand soap and gently scrub it into the stain; rinse gently with water, then apply a drop of white vinegar. Pat dry and rinse again with water.<br /></span></div></li><br /><li><br /><div style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Salt and boiling water </strong><br />Pour a generous amount of salt onto a still-wet stain and see if the salt turns pink as it soaks up the wine. If it doesn't, pour boiling water over the salt. In either case, wash the stained garment as soon as possible.<br /></span></div></li><br /><li><br /><div style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><strong>Baking soda</strong><br />Heap baking soda on the stain and let it sit for an hour or more to absorb the stain. Then shake off the baking soda and wash the garment.<br /></span></div></li></ul><br /><p style="BACKGROUND: white"><span style="font-family:Verdana;color:#333333;"><br /><strong>Prevent perspiration stains</strong><br />Spread baby powder or talcum powder along the collar and underarms of soiled clothing and press gently with a warm iron. The powder should absorb the sweat and make it easier for the rest to come out in the wash.<br /><br /><strong>Pop out bloodstains</strong><br />It can all-too-easily happen: you're near the end of a bike ride when your front wheel hits a pothole, sending you and the bike clattering to the ground. Hopefully, all that's hurt is your pride and a bleeding elbow, which manages to leave bloodstains all over your clothes. It seems ridiculous, but soaking bloodstains overnight in cola removes them. Try it, it may sound insane, but it actually works!<br /><br /><strong>A toast to club soda</strong><br />The most successful way to get rid of stains is to treat them before they dry and become set in the fabric. If you spill food onto your clothes at a dinner party or in a restaurant, ask for a glass of club soda and a lint-free cloth napkin. Retire to the bathroom with the soda water and apply as much as you can. Wait 1 minute, then blot the stain gently with the towel.<br /></span></p></span></div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com2tag:blogger.com,1999:blog-5494733455759219368.post-46024003850338915512010-10-28T18:08:00.002-04:002010-10-28T18:14:16.079-04:00Generation Millionaire Services…<a href="http://2.bp.blogspot.com/_agYJUcKVkDk/TMn1sICW13I/AAAAAAAAAhA/9YEa56v9DDo/s1600/300stephenie-4.jpg"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 320px; FLOAT: right; HEIGHT: 214px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5533223755621783410" border="0" alt="" src="http://2.bp.blogspot.com/_agYJUcKVkDk/TMn1sICW13I/AAAAAAAAAhA/9YEa56v9DDo/s320/300stephenie-4.jpg" /></a><br /><div><span xmlns=""><br /><p><span style="font-family:Verdana;color:black;">Generation Millionaire is an educational company, with Stephenie Rulli providing educational seminars and workshops across the country. She is a Financial Advisor, Educator, and Professional Speaker with a powerful message! Pay yourself first and watch your dollars grow!<br /></span></p><br /><p><br /></p><br /><p><span style="font-family:Verdana;color:black;">Stephenie provides her audiences with realistic goals and strategies that won't leave them feeling deprived, but leave them feeling empowered!<br /></span></p><br /><p><br /></p><br /><p><span style="font-family:Verdana;color:black;">Stephenie is available to present at:<br /></span></p><br /><ul><br /><li><span style="font-family:Verdana;color:black;">High schools<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Colleges<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Universities<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Greek-life organizations<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Military bases<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Conferences<br /></span></li><br /><li><span style="font-family:Verdana;color:black;">Non-profit groups<br /></span></li></ul><br /><p><br /></p><br /><p><span style="font-family:Verdana;color:black;">Stephenie is also available for one-on-one financial planning and budgeting.<br /></span></p><br /><p><br /></p><br /><p><span style="font-family:Verdana;"><span style="color:black;">Please contact us at <a href="mailto:generationmillionaire@gmail.com"></span>generationmillionaire@gmail.com<span style="color:black;"> for your next event or to schedule consultation services.<br /></span></span></p></span></div></a>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-22358715513367794022010-10-26T17:12:00.002-04:002010-10-26T17:16:35.850-04:00Identifying Your Spending Habits<a href="http://4.bp.blogspot.com/_agYJUcKVkDk/TMdFJnyAhbI/AAAAAAAAAg4/wuaR6PZSy6s/s1600/mint.bmp"><img style="MARGIN: 0px 0px 10px 10px; WIDTH: 274px; FLOAT: right; HEIGHT: 136px; CURSOR: hand" id="BLOGGER_PHOTO_ID_5532466698847815090" border="0" alt="" src="http://4.bp.blogspot.com/_agYJUcKVkDk/TMdFJnyAhbI/AAAAAAAAAg4/wuaR6PZSy6s/s320/mint.bmp" /></a><br /><div><span xmlns=""><br /><p><span style="font-family:Verdana;">We frequently talk about paying yourself first and tracking excessive spending. But it's often a task easier said than done. If you have a hard time sitting down and setting financial goals and facing the reality of your spending habits, there are software programs available to help you (i.e., Quicken or QuickBooks).<br /></span></p><br /><p><span style="font-family:Verdana;">Your bank may also help with this by providing spending tracking reports and provide financial reports on how much you spend over a period of days. Do you use this tool?<br /></span></p><br /><p><span style="font-family:Verdana;">Are you familiar with <a href="http://www.mint.com/"><span style="color:#f79646;"><strong>www.mint.com</strong></span></a>? They are a free online (and secure) program that taps into your accounts and centralizes all your incoming and outgoing financial patterns. You can create budgets and they also have a new feature to allow you to set financial goals.<br /></span><span style="font-family:Verdana;"></span></p><br /><p><span style="font-family:Verdana;">Whatever tool you use – identifying your spending habits is a crucial part of closing the gap on the millions of opportunities that may be slipping by! As uncomfortable as it may be to identify these issues, making the commitment is the first step to securing your financial future. You may not be aware of spending habits until you are able to see the financial summary available in these programs.</span></p></span></div>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-9569498361656166372010-10-21T17:54:00.001-04:002010-10-21T17:54:14.569-04:00The Costs of Video Games<span xmlns=''><p><span style='font-family:Verdana'>This morning, we talked about the cost of video games. In June, MSN reported that the cost of them may go up. See below for full details:<br /></span></p><p><br /> </p><p><span style='color:#333333; font-family:Verdana; font-size:27pt'><strong>Top video games may soon cost more <br /></strong></span></p><p><span style='color:#333333; font-family:Verdana; font-size:8pt'><strong>More complex code, anti-piracy systems pressure the price tag <br /></strong></span></p><p><span style='color:#333333; font-family:Verdana'><span style='font-size:8pt'><strong>By Tom Loftus </strong></span><span style='font-size:6pt'><br /> </span></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>June 17 — What price happiness? Today a top new title for your game console debuts at $49.99. But as development <a target='_blank' href='http://www.msnbc.msn.com/id/3078404/'/></span><span style='color:#336699'>costs</span><span style='color:#333333'> for some titles continue to climb, change may be in order — either in the price of games, or the kind of games themselves. <br /></span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>YOU COULD BE paying an extra 10 bucks a title by the end of this year, predicted Michael Pachter, an analyst with Wedbush Morgan Securities who has been tracking some of the biggest players in the industry. Other analysts disagree, citing the game industry's general reluctance to change price patterns — in either direction. But while static or cheaper prices for your games may sound great in theory, the reasons behind game pricing may make you think twice. <br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'><strong>THE 'LIFE CYCLE' MODEL</strong>Game title pricing isn't just a matter of costs plus markup. Understanding the pricing game requires understanding how what analysts call the console "life cycle" affects <a target='_blank' href='http://www.msnbc.msn.com/id/3078404/'/></span><span style='color:#336699'>supply and demand</span><span style='color:#333333'>.<br /></span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>The "life cycle," as the name suggests, is the time between a console's debut and its eventual replacement by a more powerful gaming system. The life cycle of early consoles such as the 8-bit NES or the 16-bit Sega Genesis was about five years, for example. <br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>The current generation of 128-bit consoles, <a target='_blank' href='http://www.msnbc.msn.com/id/3078404/'/></span><span style='color:#336699'>now</span><span style='color:#333333'> in their third year on the market, are entering what industry experts call the second half of its life cycle; the period where price points in both hardware and software trend southward. <br /></span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"Once we see the price of consoles coming down, we see more mass market usage, then we'll see the price of games coming down." said Hal Halpin, president of the Interactive Entertainment Merchants Association, a retailing group. "It has this domino effect. The more mass market, the broader the base, the faster the recoup cost."<br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>Case in point: More than half of the games sold for Nintendo 64 and <a target='_blank' href='http://www.msnbc.msn.com/id/3078404/'/></span><span style='color:#336699'>Sony PlayStation</span><span style='color:#333333'> games occurred after 1998, almost three years after the consoles debuted. <br /></span></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#333333'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>So far, the life cycle price model appears to be holding for today's consoles. Hardware prices have decreased and, on average, prices for Gamecube, Xbox and PlayStation 2 titles have gone down. Older, greatest hits games are priced at $19.99 and $29.99. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>But new triple-A titles remain stuck at $49.99.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'><strong>BUILDING THE BIGGER BANG</strong><br /> </span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Here's one reason why: If today's consoles are in the second half of the cycle, development costs should be in decline as game developers reach the technical limits of the platform. That's not happening.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"Research and development costs continue to go up," said Richard Ow, a game analyst for the NPD Group.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>In 1996 a typical PlayStation game cost less than $1 million to make and sold for $49. Today, development costs for an Xbox or PlayStation 2 game run anywhere from $5 million to $7 million per title and sell for $49.99. And some game titles can cost upwards of $30 million.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Several things are driving development costs up:<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>First,<strong> c</strong>ompared to the last generation of consoles, the current 128-bit generation requires at least 40 times as many lines of code to fully exploit its capabilities. And that costs money. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Shiny president Dave Perry says that the more advanced the console, the larger the development team. He should know: Shiny's "Enter the Matrix" cost more than $20 million to develop. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"To keep pushing the limits, that not only takes more people, but better people," Perry said. "Great development staff are therefore becoming more and more valuable, and as our industry moves to Playstation 3, Xbox 2, etc., then they will be at a new premium," he said. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>And then there's the other costs — things like the hour of exclusive video footage shot just for the "Matrix" game. Does the game feature licensed content or characters? That costs the game publisher an additional $1 to $10 per game unit. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>The actual manufacture of the game — including printed materials and anti-piracy code installation — is done by the console manufacturer. For this honor, the publisher pays an additional $10 to $11 per unit in royalty and manufacture costs. Then there's marketing — flyers, commercials, tradeshows — third party distribution and a fund to be used as security against returns.<br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#333333'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>With so many costs built into production, said Halpin of the game retailing group, a triple-A game price change in favor of higher prices and higher margin or lower prices and higher sales would not be easy.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"Right now it's too much a part of philosophy in way of conducing business," said Halpin. "Especially for public companies. They would need to re-scale their economics."<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'><strong>THE END OF THE $49.99 GAME?</strong><br /> </span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Another reason why the prices of top games haven't gone down, said Ow of NPD, is that customers accept the price point. <br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>"There just doesn't seem to be negative reaction to game <a target='_blank' href='http://www.msnbc.msn.com/id/3078404/'/></span><span style='color:#336699'>prices</span><span style='color:#333333'>," said Ow. "Even if one publisher took the chance to lower the price of triple-A game, it could bias the consumer that it's a lesser game."<br /></span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>So why haven't prices for the top titles gone up more than 99 cents since 1996? Pachter, the Webush Morgan analyst, believes that publishers just don't know any better.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"Game publishers don't understand consumers, they understand video games," he said. "Prices never go down. People don't have a problem with prices going up, the publishers do."<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>One title, "SOCOM: US Navy Seals" already hit the $59.99 price point when it debuted last August. "Sony included a cheap headset, the kind you could find on any Jet Blue flight, and charged $60 and no one complained." said Pachter.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Over the next year, approximately 750 new titles will hit the market. If past sales figures offer any clues, said Pachter, the top 50 to 60 games will rake in 50 percent of the total sales. "Once you see those numbers, it's easy to see that half could command a $60 price point," he said.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>The key word is "could." Pachter said he believes that the Xbox version of "Doom III," scheduled for release later this year, may go for $59.99. But he admits that he's the only guy on Wall Street to predict the price jump. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>OR NOT?<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Developers also pooh-pooh the thought of price increases. Development costs have risen, true. But so have game sales. <br /></span></p><p><span style='font-family:Verdana; font-size:9pt'><span style='color:#333333'>advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#333333'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p style='text-align: center'><span style='font-family:Verdana; font-size:6pt'><span style='color:#999999'>Advertisement | <a href='http://www.msnbc.msn.com/id/26613008/'/></span><span style='color:#336699'>ad info</span><span style='color:#999999'><br /> </span></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Last year Americans spent $10 billion on game hardware and software. Hundreds of thousands of consumers purchased triple-A titles like "Grand Theft Auto: Vice City," at $49.99 — analogies of second-half life cycle price decreases be damned.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>"Can games get more expensive (to develop) and still break even (at current prices)?" asked Jason Rubin, president of the game development company Naughty Dog. "Of course we can. As long as sales keep climbing, you're fine." said Rubin.<br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>And that's what appears to be happening. Rather than boost the prices, many console game publishers have taken the Hollywood approach to increasing revenue: The blockbuster. <br /></span></p><p><span style='color:#333333; font-family:Verdana; font-size:9pt'>Ultimately, a price increase may rest with the customers. If one publisher sells a hot new title for 60 a pop and makes a killing, publishers with similar titles may follow. But if consumers determine that the gameplay can't match the price hike. ... Well, hell hath no fury like a gamer spurned.<br /></span></p><p><br /> </p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-78208017473203893942010-10-19T16:34:00.001-04:002010-10-19T16:34:36.799-04:00Making Yucky Math Fun…<span xmlns=''><p><span style='font-family:Verdana'>So…what did you think about the answer to our quiz? Surprised? Wonder how we got that figure? Take a look at the chart below. The rest of this week, we're going to calculate where that $3000 savings can come from. You might be surprised at the answer…we're definitely not looking to change your quality of life, but in the face of a million dollars – how badly do you really need that latte??<br /></span></p><p><span style='font-family:Verdana'><br /> <table border='0' style='border-collapse:collapse'><colgroup><col style='width:116px'/><col style='width:107px'/><col style='width:168px'/><col style='width:80px'/><col style='width:168px'/><col style='width:24px'/><col style='width:168px'/><col style='width:80px'/><col style='width:168px'/></colgroup><tbody valign='top'><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom' colspan='3'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Example One </strong></span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom' colspan='3'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Example Two </strong></span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td></tr><tr style='height: 84px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:9pt'><strong>Age at Investment</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>Year</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Investment (+Previous Year's Interest) </strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>APR</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Annual Interest Accrued </strong></span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> </strong></span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Investment (+Previous Year's Interest) </strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>APR</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong> Annual Interest Accrued </strong></span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>20</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>1</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,000.00 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 240.00 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>21</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>2</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 6,240.00 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 499.20 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>22</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>3</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 9,739.20 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 779.14 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>23</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>4</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 13,518.34 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,081.47 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>24</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>5</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 17,599.80 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,407.98 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>25</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>6</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 22,007.79 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,760.62 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>26</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>7</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 26,768.41 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,141.47 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>27</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 31,909.88 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,552.79 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>28</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>9</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 37,462.67 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,997.01 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>29</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>10</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 43,459.69 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,476.77 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ - </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>30</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>11</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 46,936.46 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,754.92 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,000.00 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 240.00 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>31</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>12</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 50,691.38 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 4,055.31 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 6,240.00 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 499.20 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>32</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>13</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 54,746.69 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 4,379.74 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 9,739.20 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 779.14 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>33</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>14</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 59,126.42 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 4,730.11 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 13,518.34 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,081.47 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>34</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>15</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 63,856.54 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 5,108.52 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 17,599.80 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,407.98 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>35</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>16</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 68,965.06 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 5,517.20 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 22,007.79 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,760.62 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>36</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>17</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 74,482.27 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 5,958.58 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 26,768.41 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,141.47 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>37</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>18</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 80,440.85 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 6,435.27 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 31,909.88 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,552.79 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>38</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>19</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 86,876.12 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 6,950.09 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 37,462.67 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,997.01 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>39</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>20</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 93,826.21 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 7,506.10 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 43,459.69 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,476.77 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>40</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>21</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 101,332.30 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 8,106.58 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 49,936.46 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 3,994.92 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>41</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>22</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 109,438.89 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 8,755.11 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 56,931.38 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 4,554.51 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>42</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>23</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 118,194.00 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 9,455.52 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 64,485.89 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 5,158.87 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>43</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>24</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 127,649.52 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 10,211.96 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 72,644.76 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 5,811.58 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>44</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>25</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 137,861.48 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 11,028.92 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 81,456.34 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 6,516.51 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>45</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>26</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 148,890.40 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 11,911.23 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 90,972.85 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 7,277.83 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>46</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>27</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 160,801.63 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 12,864.13 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 101,250.68 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 8,100.05 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>47</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>28</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 173,665.76 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 13,893.26 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 112,350.73 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 8,988.06 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>48</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>29</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 187,559.02 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 15,004.72 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 124,338.79 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 9,947.10 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>49</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>30</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 202,563.74 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 16,205.10 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 137,285.89 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 10,982.87 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>50</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>31</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 218,768.84 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 17,501.51 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 151,268.76 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 12,101.50 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>51</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>32</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 236,270.35 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 18,901.63 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 166,370.27 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 13,309.62 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>52</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>33</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 255,171.97 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 20,413.76 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 182,679.89 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 14,614.39 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>53</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>34</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 275,585.73 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 22,046.86 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 200,294.28 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 16,023.54 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>54</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>35</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 297,632.59 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 23,810.61 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 219,317.82 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 17,545.43 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>55</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>36</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 321,443.20 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 25,715.46 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 239,863.25 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 19,189.06 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>56</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>37</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 347,158.65 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 27,772.69 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 262,052.31 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 20,964.18 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>57</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>38</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 374,931.35 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 29,994.51 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 286,016.49 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 22,881.32 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>58</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>39</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 404,925.85 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 32,394.07 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 311,897.81 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 24,951.82 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>59</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>40</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 437,319.92 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 34,985.59 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 339,849.63 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 27,187.97 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>60</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>41</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 472,305.52 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 37,784.44 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 370,037.60 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 29,603.01 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>61</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>42</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 510,089.96 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 40,807.20 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 402,640.61 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 32,211.25 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>62</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>43</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 550,897.15 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 44,071.77 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 437,851.86 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 35,028.15 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>63</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>44</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 594,968.93 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 47,597.51 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 475,880.01 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 38,070.40 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>64</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>45</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 642,566.44 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 51,405.32 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 516,950.41 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 41,356.03 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>65</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>46</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 693,971.76 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 55,517.74 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 561,306.44 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 44,904.52 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>66</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>47</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 749,489.50 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 59,959.16 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 609,210.96 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 48,736.88 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>67</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>48</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 809,448.66 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 64,755.89 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 660,947.84 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 52,875.83 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>68</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>49</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 874,204.55 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 69,936.36 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 716,823.66 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 57,345.89 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>69</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>50</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 944,140.91 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 75,531.27 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 777,169.56 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 62,173.56 </span></p></td></tr><tr style='height: 21px; background: #92d050'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'><strong>70</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>51</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana'><strong><span style='font-size:10pt'><br /> </span><span style='font-size:9pt'>$ 1,019,672.19 </span></strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>8%</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana'><strong><span style='font-size:10pt'><br /> </span><span style='font-size:9pt'>$ 81,573.77 </span></strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'><strong> </strong></span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana'><strong><span style='font-size:10pt'><br /> </span><span style='font-size:9pt'>$ 842,343.12 </span></strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'><strong>8%</strong></span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana'><strong><span style='font-size:10pt'><br /> </span><span style='font-size:9pt'>$ 67,387.45 </span></strong></span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>71</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>52</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,101,245.96 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 88,099.68 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 912,730.57 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 73,018.45 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>72</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>53</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,189,345.64 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 95,147.65 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 988,749.02 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 79,099.92 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>73</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>54</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,284,493.29 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 102,759.46 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,070,848.94 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 85,667.91 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>74</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>55</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,387,252.75 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 110,980.22 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,159,516.85 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 92,761.35 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>75</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>56</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,498,232.97 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 119,858.64 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,255,278.20 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 100,422.26 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>76</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>57</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,618,091.61 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 129,447.33 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,358,700.46 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 108,696.04 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>77</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>58</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,747,538.94 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 139,803.12 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,470,396.49 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 117,631.72 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>78</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>59</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,887,342.05 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 150,987.36 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,591,028.21 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 127,282.26 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'>79</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>60</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 2,038,329.42 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 163,066.35 </span></p></td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> </span> </p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 1,721,310.47 </span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p style='text-align: center'><span style='color:black; font-family:Verdana; font-size:10pt'>8%</span></p></td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'><p><span style='color:black; font-family:Verdana; font-size:10pt'> $ 137,704.84 </span></p></td></tr><tr style='height: 21px'><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='background: #92d050; padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td><td style='padding-left: 9px; padding-right: 9px; border-top: none; border-left: none; border-bottom: none; border-right: none' vAlign='bottom'> </td></tr></tbody></table></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-4014835558013834082010-10-14T17:21:00.001-04:002010-10-14T17:21:21.672-04:00Generation Millionaire<span xmlns=''><p><span style='font-family:Verdana; font-size:12pt'>Have you heard? The United States is in an economic crisis. Well, it really isn't news is it? We hear it every day and as citizens, we share the growing concerns about our nation's economy and growing unemployment rates. Even when circumstances begin to improve, the effects of this climate will impact numerous individuals and families for years. Many people question whether it is even possible to save money these days…especially those who are discouraged and living paycheck to paycheck. But, I believe that with a little know-how, it is a possibility. <br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'>Founded in 2008, Generation Millionaire is a unique educational program, designed to provide our country's newest adults with simple (and realistic) steps that will enable them to make sound financial decisions. There are "million$" of possibilities waiting for those who are willing to let their<span style='color:black'> money plus time yield security…the ultimate results being financial freedom and the wisdom to make choices that ensure a solid financial future.<br /></span></span></p><p><br /> </p><p><span style='color:black; font-family:Verdana; font-size:12pt'>The tools that Generation Millionaire will provide positive changes that will last a lifetime! The Founder of Generation Millionaire, Stephenie Rulli, aims to help her clients gain control over credit card debt, student loans, and everyday expenses…before their finances take control of them! She is committed to empowering America's up and coming leaders with the knowledge that can change their lives!<br /></span></p><p><br /> </p><p><span style='font-family:Verdana; font-size:12pt'><span style='color:black'>Will you let her tell you more? Please give Stephenie a call for a free consultation. Learn how Generation Millionaire can help you! Please call 513.893.3680 or email <a href='mailto:generationmillionaire@gmail.com'/></span>generationmillionaire@gmail.com<span style='color:black'> at your earliest convenience. <br /></span></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-80923701106638984502010-10-12T17:05:00.001-04:002010-10-12T17:05:11.352-04:00The Cost of Identity Theft<span xmlns=''><p><span style='font-family:Verdana'>Last year, according to <a href='http://www.fightidentitytheft.com'><span style='color:#f79646'>www.fightidentitytheft.com</span></a>, 11.1 million people were victims of identity theft, with a grand total cost of $54 billion. In addition to robbing people of money, damaging credit, identity theft simply creates a lot of headaches for victims and their financial institutes. <br /></span></p><p><span style='font-family:Verdana'>If you've been the victim of identity theft, you know the hassle of trying to follow the trail of financial destruction that an identity-burglar leaves behind. Some of the financial impact may be washed away if you take precautionary steps prior to falling victim or report the situation in a timely fashion. But the headache of filing fraud alerts and reviewing credit reports and the tedious details involved in protecting your bank accounts, hard earned money, and your name! OH! It's overwhelming!<br /></span></p><p><span style='font-family:Verdana'>Identity theft, as previously mentioned, totals $54 billion per year. On average, each case of theft ranges between $5000 – 6500 and in roughly 32% of victims are left paying the debt though they didn't incur it or at least, incurring out of pocket expenses due to the theft. Also, in 2006, it was estimated that victims must spend up to 40 hours trying to resolve the matter of identity theft. <br /></span></p><p><span style='font-family:Verdana'>This week, our <a href='http://www.facebook.com/generationmillionaire'><span style='color:#f79646'>Facebook</span></a> page is exploring the costs associated with identity theft and steps you can take to protect yourself. Stay tuned for more details!<br /></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-27167465640807037742010-10-07T17:43:00.001-04:002010-10-07T17:43:54.200-04:00The Problem with Produce<span xmlns=''><p><span style='font-family:Verdana'>At Generation Millionaire, we believe that every little bit saved counts. The philosophy is making smart financial decisions! This week, we've focused on grocery-store savings. One problem we regularly hear about is the cost produce.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>It's expensive and often, it goes bad before it can be consumed.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>Our suggestion is to compare shopping notes with a friend. Look for opportunities to split the cost of produce, saving money and reducing the waste of food. This can also be effective for bulk-shopping, including toilet paper, paper towels, meat, canned goods, etc.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>Other ideas:<br /></span></p><ul><li><span style='font-family:Verdana'>Go to the local Farmer's Market where produce is often fresher as well less expensive.<br /></span></li><li><span style='font-family:Verdana'>Grow your own garden in yours or a friend's back yard. Share the labor and produce.<br /></span></li></ul><p><br /> </p><p><span style='font-family:Verdana'>Do you have any other suggstions?</span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-57877983569230922072010-10-06T17:25:00.001-04:002010-10-06T17:25:11.413-04:00Grocery Saving Tips<span xmlns=''><p><span style='font-family:Verdana'>A repost from a MSN article… This is the last part of an article from an article titled Secrets of Superstar Grocery Shoppers.<br /></span></p><p><br /> </p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#333333'>By <a href='http://articles.moneycentral.msn.com/Common/Contributors.aspx'/></span><span style='color:#07519a'>Melinda Fulmer</span><span style='color:#333333'><br /> </span></span></p><p><span style='color:#009900; font-family:Verdana; font-size:9pt'><strong>10 tips from great grocery shoppers <br /></strong></span></p><ul><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Know what you spend the most on. Keep a list of the items you buy regularly and track the prices over a three-month period. Then you can buy when they reach the bottom of the range. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Be flexible with brands. If you want to save hundreds of dollars a year on an item, buy the brand that's on sale (or has a coupon or both.) <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Don't assume the bigger package is a better deal. Consider the unit price on the shelf tag and buy what goes on sale. Often, a smaller size costs pennies or is free with a coupon. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Plan some of your meals around what's on sale. Make your shopping list with each week's circular nearby, and stick to your plan. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Buy enough of a good thing to last several months. Since many deals don't come around again for two or three months, buy enough when it's on sale to last that long. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Conversely, don't feel compelled to buy four of something just because it is on a four-for-$5 special. That's just a grocery trick to get you to buy more. If you think you'll use only one or two packages, don't buy any more than that. You'll still get the same price. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>You can often use manufacturers' ads from one store at another. Many times grocery chains will accept coupons from another store, or that mention other stores on their face, as long as the manufacturer reimburses them. (They should say "manufacturer's coupon" at the top.) <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Don't think that you can buy it cheaper at a warehouse club. Gault goes there only to buy eggs, butter and non-grocery items. Diapers, she said, are often a great buy there. But most other name-brand merchandise can be had even cheaper on sale at a major grocery chain. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana; font-size:10pt'>Consider investing in a couple of copies of the paper if you've got a big family. You'll want more copies of the Sunday coupon supplements, which is where 82% of all coupons are located. <br /></span></div></li><li><div style='background: white'><span style='color:#333333; font-family:Verdana'><span style='font-size:8pt'>Know your store's coupon policies and rebate programs. Does your store double coupon? If so, up to how much? Is a nearby rival cheaper? Also, check out the rebate programs your chain has on its Web site. Can you accrue frequent-flier miles, free bottles of wine or money toward your kid's education with your spending?</span><span style='font-size:10pt'><br /> </span></span></div></li></ul><p><br /> </p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-37974347583627337142010-10-03T09:30:00.003-04:002010-10-03T09:42:25.581-04:00I hear "I don't have an money" Here is what advertisers believe....<span style="font-family:verdana;">Marketers get creative targeting hard-to-reach college students<br />Posted<br /></span><a onclick="window.open('http://asp.usatoday.com/_common/_scripts/big_picture.aspx?width=490&height=372&storyURL=/money/advertising/2010-10-03-marketing-to-college-students_N.htm&imageURL=http://i.usatoday.net/money/_photos/2010/10/03/collegex-large.jpg','','width=490,height=372')" href="javascript:;"></a><span style="font-family:verdana;"><br />By Eileen Blass, USA TODAY</span><br /><br /><span style="font-family:verdana;">Villanova University junior Courtney Chupka (left) of Chatham, N.J., hands a pair of free American Eagle Outfitters flip-flops to fellow student Nicholas Benenati, a sophomore from Miami. Chupka was one of a team of Villanova students dressed in matching T-shirts to promote American Eagle Outfitters on campus.</span><br /><br /><span style="font-family:verdana;"> "Marketers get creative targeting hard-to-reach college students ";<br />var articleSummary = "Savvy college marketers have learned that they can no longer reach students by old-school marketing and are turning to peer-to-peer marketing. "<br />By </span><a class="linkedBylineName" href="http://content.usatoday.com/topics/reporter/Bruce+Horovitz"><span style="font-family:verdana;">Bruce Horovitz</span></a><span style="font-family:verdana;">, USA TODAY</span><br /><br /><span style="font-family:verdana;">It may have seemed like just another freshman move-in day at </span><a title="More news, photos about West Virginia University" href="http://content.usatoday.com/topics/topic/Organizations/Schools/West+Virginia+University"><span style="font-family:verdana;color:#ff6600;"><strong>West Virginia University</strong></span></a><span style="font-family:verdana;">. But for </span><a title="More news, photos about American Eagle Outfitters" href="http://content.usatoday.com/topics/topic/American+Eagle+Outfitters"><span style="font-family:verdana;color:#ff6600;"><strong>American Eagle Outfitters</strong></span></a><span style="font-family:verdana;">, it was D-Day.</span><br /><br /><span style="font-family:verdana;">Long before the new students arrived at their dorms a few weeks ago, the oh-so-trendy clothing retailer had a detailed marketing battle plan in place specific to this </span><a title="More news, photos about Morgantown" href="http://content.usatoday.com/topics/topic/Morgantown"><span style="font-family:verdana;color:#ff6600;"><strong>Morgantown</strong></span></a><span style="font-family:verdana;">, W.Va., campus. </span><a title="More news, photos about Facebook" href="http://content.usatoday.com/topics/topic/Culture/Computers+and+Internet/Facebook"><span style="font-family:verdana;color:#ff6600;"><strong>Facebook</strong></span></a><span style="font-family:verdana;"> updates promoted free car-to-dorm room help with heavy stuff on move-in day — not to mention free flip-flops.</span><br /><br /><span style="font-family:verdana;">The savvy strategy wasn't executed by an American Eagle exec. It was overseen by 21-year-old Gina Damato, a WVU senior PR major who, in her spare time, manages a pizza parlor, writes for the school paper, snowboards and, oh yeah, is a student rep for AE.</span><br /><br /><span style="font-family:verdana;">"College students are wary of old-school marketing," says Paul Himmelfarb, managing director at Youth Marketing Connection, which specializes in linking marketers with the college crowd. </span><br /><span style="font-family:verdana;">"You have to take a brand and incorporate it into the college lifestyle by peer-to-peer marketing."</span><br /><br /><span style="font-family:verdana;">Savvy college marketers have learned that they can no longer reach students by simply putting up posters, handing out samples and hanging ads from dorm room door handles.<br />That's why there are now nearly 10,000 student reps like Damato on campuses nationally. They are paid in cash, products or a combination of the two — up to $1,500 per semester.<br />Much of their work is via social media, such as relevant Facebook updates and targeted tweets via </span><a title="More news, photos about Twitter" href="http://content.usatoday.com/topics/topic/Twitter+Inc"><span style="font-family:verdana;color:#ff6600;"><strong>Twitter</strong></span></a><span style="font-family:verdana;"><span style="color:#ff6600;"><strong>.</strong> </span><span style="color:#000000;">It is detail-oriented marketing intricately tuned-in to things vital and specific to</span> student bodies at each of the nation's 4,100 colleges and universities — and in many cases to the individual student. So there is little wasted messaging.</span><br /><br /><span style="font-family:verdana;">PARENTING: </span><a href="http://www.usatoday.com/yourlife/parenting-family/2010-09-28-parent28_ST_N.htm"><span style="font-family:verdana;color:#ff6600;"><strong>First weeks can be tough for college kids</strong></span></a><br /><span style="font-family:verdana;">FRESHMEN YEAR: </span><a href="http://www.usatoday.com/news/education/2010-09-05-freshman-coping-parents_N.htm"><span style="font-family:verdana;color:#ff6600;"><strong>May be harder on parents than students</strong></span></a><br /><span style="font-family:verdana;">If there were a college class for this, it would be New World College Marketing 101.<br />"College marketing used to be block and tackle," says Matt Britton, founder of marketing agency Mr. Youth, which recruits thousands of students nationwide. "Now, college students are immune to those tactics and expect something much more deeply intertwined in their lives."<br />These days, it's about reaching students where they are — which is mostly (but not always) on their cellphones or laptops. So the most sophisticated college marketers — from American Eagle to </span><a title="More news, photos about Apple" href="http://content.usatoday.com/topics/topic/Brands/Consumer+Products/Apple"><span style="font-family:verdana;color:#ff6600;"><strong>Apple</strong></span></a><span style="font-family:verdana;"> to Red Bull — are increasingly turning to social media focused on students' wants and needs.</span><br /><br /><span style="font-family:verdana;">For brands like caffeine-stoked Red Bull, the college crowd isn't the gravy, it's the meat.<br />"Think about college life," says marketing chief </span><a title="More news, photos about Amy Taylor" href="http://content.usatoday.com/topics/topic/Amy+Taylor"><span style="font-family:verdana;color:#ff6600;"><strong>Amy Taylor</strong></span></a><span style="font-family:verdana;">. "It's made up of five main activities: study, work, play, party and, if there's time, sleep. Our product can help with four of those five."<br /></span><br /><span style="font-family:verdana;">Students are a rich resource<br />Why reaching students on campus is fundamental for marketers:<br />• Students have money to spend, often courtesy of Mom and Pop. Discretionary spending by the nation's 19 million full- and part-time college students will reach $76 billion this year — up $2 billion from last year — projects Alloy Media + Marketing. </span><br /><br /><span style="font-family:verdana;">• Students will have more dough in the future.<br />• Students, particularly freshmen in their first extended time away from home, are developing brand affinities that can last.</span><br /><br /><span style="font-family:verdana;">But they're very clear about how they want to be reached by marketers. When college students were asked in 2009 how they want to get information on goods and services, 46% said the Internet, reports research specialist Student Monitor. That's up from 26% in 2000.<br />Where they're not interested in getting information: TV or magazines. While 59% looked to TV ads in 2000, that number shrank to 44% last year. And while 42% depended on magazine ads for information in 2004, that fell to 25% last year.</span><br /><br /><span style="font-family:verdana;">Not that everyone can be reached. Bijah Gibson, for one, just wants to be left alone.<br />The 21-year-old journalism major at Colorado State University in Fort Collins says that while it's hard to miss all the college marketing coming at him — he mostly ignores it.<br />"It doesn't affect what I buy," he says. "My friends have a much bigger effect on what I buy than what I see on some website or on a Facebook update."</span><br /><br /><span style="font-family:verdana;">The life of a college student rep<br />But such exceptions don't slow down Damato, the student rep at West Virginia. Before her gig as ambassador for American Eagle, she repped for both Apple and Disney.<br />In return, Apple lent her gobs of computer equipment, Disney helped her get class credit for a six-month internship in Orlando and American Eagle sends her checks.<br />Damato says being a student rep has helped make her a big shot on campus. "I'm not only recognizable to students — but to professors," she says.</span><br /><br /><span style="font-family:verdana;">For Apple, she manned tables at freshman orientation last June — supplying detailed Apple product information to students and parents at a moment when many were most susceptible to purchase. Apple doesn't let her make the sale at the tables, but refers students to an Apple site specific to her school and she gets commission on each purchase made there.<br />Last fall, she organized Apple tailgate parties at school football games where students played Guitar Hero on Apple laptops in the parking lot. She posted Facebook updates on the tailgate fun.</span><br /><br /><span style="font-family:verdana;">But this fall, she's all about American Eagle.<br />She recruited 40 volunteers — mostly by arranging an AE donation for a fraternity's favorite charity — to work on freshman move-in days. She touted their services on the WVU Facebook page for incoming freshman with updates such as: "Need help moving in: No worries. AE will be there."</span><br /><br /><span style="font-family:verdana;">Was it ever. Over six hours, her crew helped 100 freshmen move into their dorms.<br />And each of those freshmen got a free pair of American Eagle flip-flops (valued at about $15) and a store coupon for 15% off at the American Eagle store at the local mall. As an incentive to get them there quickly, the coupon was set to expire in 30 days.</span><br /><br /><span style="font-family:verdana;">"The motive is brand awareness," says Fred Grover, executive vice president of marketing. "Our target is a 20-year-old."</span><br /><br /><span style="font-family:verdana;">Here's what a handful of AE's peers are doing to also seek that 20-year-old on campus this fall:<br />• Red Bull. The brand sells more than 4 billion cans a year in the U.S., a lot of them to college students.<br />So it's no accident that Red Bull has an astounding 8.4 million friends on Facebook. That and Twitter are primary ways it communicates with students.<br />Also, when students returned to school this fall, thousands got sample Red Bull Energy Shots (2-ounce bottles that retail for $2.99) at college bookstores.<br />Red Bull has student brand managers on 250 college campuses who host — and promote via social media — events such as a recent student chariot race at the University of Georgia.<br />Red Bull also is active in mobile marketing. There are mobile games and phone apps produced by Red Bull — some of which are free. College students might learn via text message about where to get a free four-pack on a Thursday night, Taylor says. </span><br /><br /><span style="font-family:verdana;">•Hewlett-Packard. The tech brand's college marketing platform focuses by campus. "We've got to be where the students are — on campus and online," says </span><a title="More news, photos about Lisa Baker" href="http://content.usatoday.com/topics/topic/Lisa+Baker"><span style="font-family:verdana;color:#ff6600;"><strong>Lisa Baker</strong></span></a><span style="font-family:verdana;">, director of student education marketing.</span><br /><br /><span style="font-family:verdana;">HP student reps at Washington State University recently participated in the annual back-to-school music fest featuring local bands. HP student reps demonstrated HP laptops in the thick of the action and announced special HP deals for the 4,000 students at the event. Students who signed up for information there or on Facebook got free giveaways.</span><br /><br /><span style="font-family:verdana;">•</span><a title="More news, photos about Zipcar" href="http://content.usatoday.com/topics/topic/Organizations/Companies/Transportation,+Travel,+Hospitality/Zipcar"><span style="font-family:verdana;color:#ff6600;"><strong>Zipcar</strong></span></a><span style="font-family:verdana;">. Since launching its first student rep program in 2001 at </span><a title="More news, photos about Harvard University" href="http://content.usatoday.com/topics/topic/Organizations/Schools/Harvard+University"><span style="font-family:verdana;color:#ff6600;"><strong>Harvard University</strong></span></a><span style="font-family:verdana;">, the nation's largest car-sharing service now has reps on 50 campuses.<br />In the spring, Zipcar will set up fake beach scenes on campuses, complete with sand, beach chairs, umbrellas and swimsuit-wearing students. Fellow students who stop to check out the "beach" also will see a poster with this pointed spring break reminder: "You need a Zipcar to get here."<br />Zipcar courts students via Facebook, Twitter and location-based social network Foursquare. "Students are accustomed to getting things on-demand in the way they choose," says Zipcar chief marketing officer Rob Weisberg.<br />So it's no coincidence how much Zipcar's latest iPhone app appeals to college students — Zipcar members can use their iPhones to beep their car horns or even unlock car doors.</span><br /><br /><span style="font-family:verdana;">• Barnes & Noble. In the past 12 months, Barnes & Noble College Booksellers has expanded from 40 college-specific Facebook pages to 636, says Lisa Malat, vice president of marketing.<br />"We need to go where the students live," she says. "We can't wait for them to come to us."</span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com1tag:blogger.com,1999:blog-5494733455759219368.post-1490342740513490402010-09-30T19:04:00.001-04:002010-09-30T19:04:47.629-04:00Maintenance Continues…<span xmlns=''><p><span style='font-family:Verdana'>This afternoon – we had a reminder about the costs of maintenance. We had to take our car to the shop to have the oil changed and the kind gentleman shared with us that our tires have to be replaced!<br /></span></p><p><span style='font-family:Verdana'>Okay – so we concede that we don't quite how to maintain our tires in order to avoid having to pay for new ones. BUT – we do know that certain things we do can help lower replacement costs. Admittedly – we need to remember more often that speed has a direct impact on the life of the tires and the rate at which we slow down can also apply pre-mature wear and tear.<br /></span></p><p><span style='font-family:Verdana'>What kind of things do you do that lower or reduce your maintenance costs? <br /></span></p><p><span style='font-family:Verdana'>How about simple things like:<br /></span></p><ul><li><span style='font-family:Verdana'>Running water in the disposal so the blades don't get damaged.<br /></span></li><li><span style='font-family:Verdana'>Changing the air filter monthly to make sure that your heating and air run more efficiently.<br /></span></li><li><span style='font-family:Verdana'>Regular oil changes in the car to keep everything running smoothly.<br /></span></li><li><span style='font-family:Verdana'>Turning off the TV when it's not being used to keep the screen from burning out.<br /></span></li></ul><p><br /> </p><p><span style='font-family:Verdana'>What other ideas do you have to lower maintenance and repair costs?</span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-49299528347411147162010-09-28T18:24:00.001-04:002010-09-28T18:24:50.022-04:00Maintenance Warranties<span xmlns=''><p><span style='font-family:Verdana'>Whether you buy a car, house, computer, cell phone, or washer and dryer – at some point, you'll be asked if you're interested in purchasing an extended warranty. In some cases – this can be a good thing! We know someone who bought a brand new car (brand will remain nameless) to find that the car was a complete lemon, and she routinely had the car in the shop. She hadn't bought the extended warranty so when the basic warranty ran out – the car was traded in! The deal cost her quite a bit because she had to roll over the balance she owed on the lemon to a new car payment.<br/><br/>The problem with extended warranty's is that there are so many "if's, and's, and but's" about the guarantee. Chances are good when you're in the heat of the sale, you're so overcome with paperwork and dollar figures – taking the time to analyze the value of an extended warranty may not rank high on your priority list.<br/><br/>Enter negotiating tactics… If you're advised that the extended warranty offer is only available during the initial purchase – walk from it. They don't care about what's financially viable for you – they care about added commissions or recognition for the sale! Instead, find out if there is a timeframe from the initial purchase during which you can consider it and the shop the same warranty directly with the manufacturer! Skipping the middle man may save you considerably!<br/><br/>Maintenance costs get so expensive and so that's why salespeople rely so heavily on the concept of an extended warranty…they know the equipment they are selling won't last forever and they know the cost of repairs can sometimes be astronomical. However, if those repairs are needed due to normal wear and tear – you'll be paying from your own pocket anyway.<br/><br/>Think smart and shop smart!</span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-13944623005583923882010-09-23T18:42:00.001-04:002010-09-23T18:42:33.860-04:00What Can Social Media Cost?<span xmlns=''><p><br /> </p><p><span style='font-family:Verdana'>This is reposted from an MSN article. We think this is a very valuable point… Be careful with Social media as it may cost you quite a lot if you aren't careful!<br /></span></p><p><br /> </p><p><span style='color:#152242; font-family:Verdana; font-size:12pt'><strong>12 Ways to Get Fired for Facebook<br /></strong></span></p><p style='background: white'><span style='color:#666666; font-family:Verdana; font-size:6pt'>By Kaitlin Madden, CareerBuilder.com Writer<br /></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>According to a <a href='http://mashable.com/2009/08/10/social-media-misuse/'/></span><span style='color:#07519a'>2009 study</span><span style='color:#444444'> by Internet security firm Proofpoint, 8 percent of companies with more than 1,000 employees have fired someone for social media actions -- a figure that is double what was reported in 2008. Yet it probably comes as no surprise that Facebook firings are on the rise. Cases of employers firing employees for social media slip-ups have been consistent in the news over the past few years.<br /></span></span></p><p style='background: white'><span style='color:#444444; font-family:Verdana; font-size:8pt'>Just in case you need a refresher of what not to say online, here's a timeline of 12 ridiculous examples of how Facebook can get you fired. <br /></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>1. Nov. 4, 2008: New England Patriots cheerleader Caitlin Davis was <a href='http://www.bostonherald.com/track/inside_track/view/2008_11_05_Caitlin_Davis_booted_from_Patriots__cheering_squad/'/></span><span style='color:#07519a'>cut from the squad</span><span style='color:#444444'> over controversial pictures that were posted on her Facebook page. Davis, then 18, was at a Halloween party when she posed for photos with a passed-out man who was covered in graffiti, including swastikas, anti-Semitic remarks and profanity. Davis was fired from the squad after the pictures appeared on various websites and caught the attention of the Patriots' <a href='http://msn.careerbuilder.com/jobs/keyword/management/'/></span><span style='color:#07519a'>management</span><span style='color:#444444'> team. She had been the youngest cheerleader ever to make an NFL squad. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>2. Feb. 26, 2009: A U.K. teenager was <a href='http://www.dailymail.co.uk/news/article-1155971/Teenage-office-worker-sacked-moaning-Facebook-totally-boring-job.html'/></span><span style='color:#07519a'>fired for calling her job</span><span style='color:#444444'> "boring." According to The Daily Mail, Kimberley Swann posted comments such as, "First day at work. Omg (oh my god)!! So dull!!" and "All I do is shred holepunch and scan paper!!!" [sic]. Swann was canned after her boss discovered the comments. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>3. March 9, 2009: Dan Leone, a stadium <a href='http://msn.careerbuilder.com/jobs/keyword/operations/'/></span><span style='color:#07519a'>operations</span><span style='color:#444444'> employee for the Philadelphia Eagles, <a href='http://sports.espn.go.com/nfl/news/story?id=3965039'/></span><span style='color:#07519a'>was fired for</span><span style='color:#444444'> voicing his opinion on the team's trading practices via Facebook. Leone reportedly updated his Facebook status with, "Dan is [expletive] devastated about Dawkins signing with Denver ... Dam Eagles R Retarted!!" [sic]. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>4. April 27, 2009: A Swiss woman was <a href='http://www.switched.com/2009/04/27/woman-fired-for-logging-on-to-facebook-while-sick/'/></span><span style='color:#07519a'>fired after calling in sick</span><span style='color:#444444'> and then logging into Facebook on her "sick day." Apparently the woman had a migraine and called out of work because she thought the light from a computer would bother her and she needed to lie in a dark room. When her employer caught her surfing Facebook, it was presumed that she was indeed well enough to sit in front of a computer, and she was let go. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>5. April 28, 2009: A Minnesota <a href='http://msn.careerbuilder.com/jobs/keyword/nursing+home/'/></span><span style='color:#07519a'>nursing home</span><span style='color:#444444'><br /> <a href='http://wcco.com/health/nursing.home.facebook.2.996424.html'/></span><span style='color:#07519a'>employee was fired after</span><span style='color:#444444'> rumors spread that she had posted photos of herself with nude patients on her Facebook page. Though no nude pictures were found, the employee did have pictures of herself with clothed patients, which violated the home's privacy policy and led to her termination. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>6. August 27, 2009: Ashley Payne, a Georgia high school teacher, was <a href='http://www.cbsatlanta.com/news/21573759/detail.html'/></span><span style='color:#07519a'>forced to resign</span><span style='color:#444444'> after the local school board came across pictures of her sipping beer and wine. The pictures, which appeared on Payne's Facebook page, were from a vacation she had taken that summer, which included a trip to the Guinness Brewery in Ireland. Payne was quoted as saying "I did not think that any of this could jeopardize my job because I was just doing what adults do and have drinks on vacation and being responsible about it." She sued the school district last November. The case is expected to go to trial this fall. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>7. Feb. 11, 2010: <a href='http://msn.careerbuilder.com/jobs/south+carolina/charleston/'/></span><span style='color:#07519a'>South Carolina</span><span style='color:#444444'><br /> <a href='http://msn.careerbuilder.com/jobs/keyword/firefighter/'/></span><span style='color:#07519a'>firefighter</span><span style='color:#444444'> and <a href='http://msn.careerbuilder.com/jobs/keyword/paramedic/'/></span><span style='color:#07519a'>paramedic</span><span style='color:#444444'> Jason Brown <a href='http://www.live5news.com/Global/story.asp?S=12047151'/></span><span style='color:#07519a'>was fired for</span><span style='color:#444444'> creating a three-minute-long animated video and posting it on Facebook. The video, which showed a cartoon <a href='http://msn.careerbuilder.com/jobs/keyword/doctor/'/></span><span style='color:#07519a'>doctor</span><span style='color:#444444'> and paramedic responding to an emergency in a hospital, was meant to be a spoof, Brown said. However, his department didn't find the video funny, calling it "an embarrassment," and Brown was fired. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>8. March 3, 2010: Gloria Gadsden, a <a href='http://msn.careerbuilder.com/jobs/keyword/professor/'/></span><span style='color:#07519a'>professor</span><span style='color:#444444'> at East Stroudsburg University in <a href='http://msn.careerbuilder.com/jobs/pennsylvania/east+stroudsberg/'/></span><span style='color:#07519a'>Pennsylvania</span><span style='color:#444444'>, <a href='http://blogs.villagevoice.com/runninscared/archives/2010/03/professor_fired.php'/></span><span style='color:#07519a'>was fired after</span><span style='color:#444444'> updating her Facebook status with things such as, "Does anyone know where I can find a very discrete hitman? Yes, it's been that kind of day." [sic] The school said it was being overcautious because of the Feb. 12 shootings at the University of Alabama, in which professor Amy Bishop was charged with killing three fellow professors. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>9. May 17, 2010: <a href='http://msn.careerbuilder.com/jobs/north+carolina/charlotte/'/></span><span style='color:#07519a'>North Carolina</span><span style='color:#444444'><br /> <a href='http://msn.careerbuilder.com/jobs/keyword/server/'/></span><span style='color:#07519a'>waitress</span><span style='color:#444444'> Ashley Johnson <a href='http://www.upi.com/Odd_News/2010/05/17/Waitress-fired-for-Facebook-comment/UPI-398612741362'/></span><span style='color:#07519a'>was fired from her job</span><span style='color:#444444'> at a Brixx pizzeria after posting a negative comment about two of her customers. Johnson called the customers -- who left her a $5 tip after sitting at their table for three hours -- "cheap." Though she did not mention the names of the customers, Johnson did include the name of the pizzeria in her post. A few days later, management called her to tell her she was fired for violating the <a href='http://msn.careerbuilder.com/jobs/keyword/restaurant/'/></span><span style='color:#07519a'>restaurant's</span><span style='color:#444444'><br /> <a href='http://msn.careerbuilder.com/jobs/keyword/social+media/'/></span><span style='color:#07519a'>social media</span><span style='color:#444444'> policy. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>10. May 24, 2010: The city of West Allis, Wis. <a href='http://www.jsonline.com/blogs/news/95125549.html'/></span><span style='color:#07519a'>fired a veteran police dispatcher</span><span style='color:#444444'> of 21 years over a status update. Dana Kuchler was terminated after posting that she was "addicted to vicodin, adderall, quality marijuana, MD 20/20 grape and absinthe," on her Facebook page. Despite saying the post was a joke, Kuchler was terminated by the city. Her union then filed an appeal, claiming the punishment was too harsh for the crime. The arbitrator agreed, instead sentencing Kuchler to a 30-day suspension without pay. The city is currently in the process of appealing the new decision in an attempt to have Kuchler's termination reinstated.<br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>11. June 10, 2010: Five California nurses <a href='http://www.nbcsandiego.com/news/health/Hospital-Fires-Emps-in-Facebook-Scandal-95794764.html'/></span><span style='color:#07519a'>were terminated</span><span style='color:#444444'> after it was discovered that they were discussing patient cases on the site. The situation was investigated for weeks by both the <a href='http://msn.careerbuilder.com/jobs/keyword/nurse/'/></span><span style='color:#07519a'>nurses</span><span style='color:#444444'>' employer, Tri City Medical Center in San Diego, and the California Department of Health before the nurses were fired for allegedly violating privacy laws. <br /></span></span></p><p style='background: white'><span style='font-family:Verdana; font-size:8pt'><span style='color:#444444'>12. June 21, 2010: A<a href='http://msn.careerbuilder.com/jobs/pennsylvania/pittsburgh/'/></span><span style='color:#07519a'> Pittsburgh</span><span style='color:#444444'> Pirates' mascot <a href='http://kdka.com/sports/pirates/Pierogi.Race.Fired.2.1764478.html'/></span><span style='color:#07519a'>was fired earlier</span><span style='color:#444444'> this summer, after posting a comment about the team's choice to extend the contracts of two of its <a href='http://msn.careerbuilder.com/jobs/keyword/manager/'/></span><span style='color:#07519a'>managers</span><span style='color:#444444'>. Andrew Kurtz, 24, was fired within hours of posting the comment "Coonelly extended the contracts of Russell and Huntington through the 2011 season. That means a 19-straight losing streak. Way to go Pirates," to his Facebook page. <br /></span></span></p><p style='background: white'><span style='color:#444444; font-family:Verdana; font-size:8pt'>Whether you think the above are examples of employees exercising free speech or simple stupidity, it seems as if Facebook postings are fair grounds for termination at many companies. With that in mind, post at your own risk.<br /></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-89929348298264465502010-09-21T16:05:00.001-04:002010-09-21T16:05:14.814-04:00How Much Time Do You Spend on Facebook?<span xmlns=''><p><span style='font-family:Verdana'>This morning, we talked about the $2 billion dollar virtual product industry, which includes purchases made to enhance gaming experiences on Facebook. We found this article that is a great calculation about the time spent on these sites. How do you compare to the average? <br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>Article Title: People Spend 3x More Time on Facebook Than Google<br /></span></p><p><span style='font-family:Verdana'>By: Adam Ostrow<br /></span></p><p><span style='font-family:Verdana'>Back in July, we reported that Facebook had become the <a href='http://mashable.com/2009/07/14/facebook-ultimate-time-waster/'><span style='color:blue; text-decoration:underline'>Internet's ultimate time waster</span></a>, with users spending an average of 4 hours, 39 minutes on it per month, more than any other site on the Web.<br /></span></p><p><span style='font-family:Verdana'>Since then, however, that number has only gone up. According to numbers from Nielsen Online, users spent an average of 5 hours, 46 minutes on Facebook in the month of August. To put that in perspective, that's <strong>triple the amount of time they spent on Google<a target='_blank' href='http://www.blippr.com/apps/336661-Google'><span style='color:blue'>()</span></a>!</strong><br/><br/>In fact, the next closest site in Nielsen's top 10 is <a href='http://mashable.com/category/yahoo/'><span style='color:blue; text-decoration:underline'>Yahoo</span></a><a target='_blank' href='http://www.blippr.com/apps/336793-Yahoo'><span style='color:blue'>()</span></a>, which, despite still having huge traffic in time consuming areas like news, sports, and financial data, could only get users to stick around for 3 hours and 14 minutes on average during the month. <a href='http://mashable.com/category/youtube/'><span style='color:blue; text-decoration:underline'>YouTube</span></a><a target='_blank' href='http://www.blippr.com/apps/336658-YouTube'><span style='color:blue'>()</span></a>, surprisingly, only occupied 1 hour and 17 minutes of the average user's time.<br /></span></p><p style='text-align: center'><span style='font-family:Verdana'><br /> </span></p><p><span style='font-family:Verdana'>Of course, one of Google's <a target='_blank' href='http://www.google.com/corporate/tenthings.html'><span style='color:blue; text-decoration:underline'>stated philosophies</span></a> is that they "may be the only people in the world who can say our goal is to have people leave our homepage as quickly as possible." However, that ethos was set in stone long before users started spending an inordinate amount of time on social sites – sites that now want to <a href='http://mashable.com/2009/08/10/google-facebook-search/'><span style='color:blue; text-decoration:underline'>compete in search</span></a>.<br /></span></p><p><span style='font-family:Verdana'>For now, Google's answer seems to be extending its reach in search through other products – primarily its Chrome<a target='_blank' href='http://www.blippr.com/apps/336751-Chrome'><span style='color:blue'>()</span></a> web browser and <a href='http://mashable.com/2009/07/07/google-chrome-os-2/'><span style='color:blue; text-decoration:underline'>upcoming OS</span></a>. But not having a strong presence in social networking remains the company's Achilles' heel, becoming ever more apparent as <a href='http://mashable.com/category/facebook/'><span style='color:blue; text-decoration:underline'>Facebook</span></a><a target='_blank' href='http://www.blippr.com/apps/336650-Facebook'><span style='color:blue'>()</span></a> pulls away from the pack in usage stats.<br /></span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-18754776541895562452010-09-16T17:04:00.001-04:002010-09-16T17:04:49.111-04:00If Everyone Wants to Pay Off a Credit Card, Why Bother Having It?<span xmlns=''><p><span style='font-family:Verdana'><strong>"Okay, Generation Millionaire…you keep telling us to pay off those credit cards… Why should I bother getting one? Wouldn't I be better off living on a cash-only basis?"</strong><br /> <em>~A Credit-less College Student<br /></em></span></p><p><br /> </p><p><br /> </p><p><span style='font-family:Verdana'>Dear Credit-less College Student,<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>We never said credit cards were bad but when they are poorly managed, they can be very hurtful! Credit cards actually can work to your advantage if YOU remain in control versus letting your credit cards control you! Here are a few benefits to establishing credit (even though we want you to keep it paid off!):<br /></span></p><p><br /> </p><ol><li><span style='font-family:Verdana'> You can shop online! (We surprised you didn't we…you didn't expect that one to be number one!)<br /></span></li><li><span style='font-family:Verdana'>Emergency money in case the car breaks down, the furnace breaks, or other unexpected expenses arise (notice, we didn't mention emergency Starbucks-runs!)<br /></span></li><li><span style='font-family:Verdana'>Rewards… Credit card companies do offer some pretty cool incentives to keep you using plastic.<br /></span></li><li><span style='font-family:Verdana'>Establish credit for the BIG purchases you want to make. Unless you are Bill Gate's heir – chances are good you aren't going to buy a house while living on a cash-only basis.<br /></span></li><li><span style='font-family:Verdana'>If you drop your wallet or leave your purse hanging on the back of a chair at Starbucks (we didn't say you can't EVER go there!), your bank won't reimburse $100 in cash. But you can put a stop to unauthorized spending on a credit card (just be sure to report it quickly!)<br /></span></li><li><span style='font-family:Verdana'>As a piggy-back to # 5, it's safer to vacation with plastic versus cash. If your canoe mate tips the boat – your plastic credit card dries quicker than cash.<br /></span></li></ol><p><br /> </p><p><span style='font-family:Verdana'>I hope we've answered some of your questions… Get credit established…just don't spend more than you can afford to pay off every month (or at least within a few months!)<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'>Your friend,<br /></span></p><p><span style='font-family:Verdana'>Generation Millionaire</span></p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0tag:blogger.com,1999:blog-5494733455759219368.post-38532473815859258362010-09-14T15:51:00.001-04:002010-09-14T15:51:29.546-04:00Have You Been Pre-Approved to Apply?<span xmlns=''><p><span style='font-family:Verdana'>A friend of mine called this morning and when she told me she'd gotten a letter that she'd been "Preapproved to Apply" for a credit loan, we shared a great laugh about it. It used to be that you were "Preapproved" for credit…now you get to be preapproved to fill out the application. <br /></span></p><p><span style='font-family:Verdana'>So, what does preapproval mean?<br /></span></p><p><span style='font-family:Verdana'>Like everything else out there in consumer-land, it's all about marketing. Something about you fit the company's ideal demographics for their marketing campaign. It doesn't necessarily mean that you WILL be qualified for a credit line, but it means that certain criteria, i.e., your credit score, fell within the parameters of potential customers for ABC Credit Cards, Inc. (I made that up – please don't research ABC Credit Cards, Inc. It doesn't exist.)<br /></span></p><p><span style='font-family:Verdana'>When you're just starting out – getting that preapproval letter can make you feel all warm and fuzzy. It feels nice…like you're qualified to join a new club or something. And since you know you should establish credit in your name, it's so tempting to take all of them on. And once that pretty little piece of plastic is in your hands – it feels like free money! Until the bill comes… We'll wait while reality comes to a crash landing in your mailbox.<br /></span></p><p><span style='font-family:Verdana'>We're not saying it's a bad thing to apply for credit when you've been pre-approved… we're just suggesting that you be cautious. Because when you're 18 and you get that very grown-up-looking piece of mail – it's difficult to stay rational. If you're going to go for the credit line, be smart about it! Don't spend more than you can afford to pay off every month.<br /></span></p><p><br /> </p><p><span style='font-family:Verdana'><br /> </span> </p></span>Generation Millionairehttp://www.blogger.com/profile/06670283412338113016noreply@blogger.com0