Mobile Money Machine

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Mobile Money Machine

Author : Thomas H. Johnson
Publisher : CreateSpace
ISBN 13 : 9781517057916
Total Pages : 48 pages
Book Rating : 4.0/5 (579 download)

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Book Synopsis Mobile Money Machine by : Thomas H. Johnson

Download or read book Mobile Money Machine written by Thomas H. Johnson and published by CreateSpace. This book was released on 2014-12-21 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to Use Your Smartphone to Make REAL MONEY NOW!More than a billion people globally have a Smartphone in their hands today. How many of them see this powerful device as a source of revenue versus just another expense? How many are using their phones to make extra profits around the clock and around the globe? Everybody, regardless of their current job or lifestyle has free time throughout their day. How would you like to fill that free time with money making opportunities? How about making money every day for things you do every day?There are countless opportunities to use your Smartphone to gain a strategic advantage in almost everything you do, and with every transaction you execute. I will teach you how to rethink your day to day spending for the things you need in your life, not only to reduce your costs, but also how to profit from it and to create a new self sustaining investment account. I will share my three essential strategies for both buying things you need; as well as, for selling things you don't. Further, I will show you how to "fill in the gaps" of time that you have in your day to make that extra money that will really add up at the end of the month.Key Topics Covered:* 3 essential strategies that will shape your thinking about transactions* Over a dozen powerful buying/selling apps to load on your Smartphone* Proven revenue generating ideas that leverage the mobile Internet* Fill the gaps with "Micro-Consulting"* Building your own digital storefront* Paid online "niche" surveys* How to position yourself to profit from the growing mobile world* Learn about being a "Virtual Assistant"* How to automate your life* The International scene* Other neat little tips and tricks to grab some quick cash!The only earning limits that you have are the ones that you impose upon yourself! There are so many strategies and ideas in this book that you will not be able to do them all. Find the ones that complement your lifestyle and implement them to the fullest to get the most value. Just one idea will easily pay for your investment of both time and money in this book. I hope you will enjoy reading this book as much as I did writing it. I thrive on finding new ways to continue to leverage my investment in my Smartphone. Every day brings a new adventure!

Money Machine

Author : Gary V. Smith
Publisher : AMACOM
ISBN 13 : 0814438571
Total Pages : 320 pages
Book Rating : 4.8/5 (144 download)

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Book Synopsis Money Machine by : Gary V. Smith

Download or read book Money Machine written by Gary V. Smith and published by AMACOM. This book was released on 2017-06-08 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book looks at Wall Street wonders Warren Buffet, Benjamin Graham, and other legends and shares how you can utilize their secrets to unimaginable success! It’s time to put your money to work the smart way and stop chasing quick payoffs that never turn out. That seductive stock tip you just overheard? That’s your ticket to flushing your savings down the toilet. The story you saw on a promising new product? Only those who invested before the story came out have any chance of a solid payout. If you want to succeed in the market, you need to learn how to invest based on value, selecting stocks that will continue to enrich you for years to come. By learning the keys to value investing, Money Machine will teach you how to: Judge a stock by the cash it generates Determine the stock’s intrinsic value Use key investment benchmarks such as price-earnings ratio and dividend-price ratio Recognize stock market bubbles and profit from panics Avoid psychological traps that can trip you up Investing in the market doesn’t have to be reckless speculation. Invest in value, not ventures, and find the financial success all those gamblers are still looking for!

America's Money Machine

Author : Elgin Groseclose
Publisher : Ludwig von Mises Institute
ISBN 13 : 1610164938
Total Pages : 304 pages
Book Rating : 4.6/5 (11 download)

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Book Synopsis America's Money Machine by : Elgin Groseclose

Download or read book America's Money Machine written by Elgin Groseclose and published by Ludwig von Mises Institute. This book was released on 1966 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Money Making Machine

Author : Asuquo, I. John
Publisher : Author House
ISBN 13 : 1496996089
Total Pages : 279 pages
Book Rating : 4.4/5 (969 download)

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Book Synopsis The Money Making Machine by : Asuquo, I. John

Download or read book The Money Making Machine written by Asuquo, I. John and published by Author House. This book was released on 2015-01-02 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book goes in depth to answer fundamental questions that have always been there, to which answers were never properly given to really explain in very simple and clear terms how to make money, a lot of money--as much money as you want. It uses a novel approach to a subject that has always been of interest to millions of people across the world.

Money Phone!

Author : Mike Koenigs
Publisher :
ISBN 13 : 9781520441924
Total Pages : 96 pages
Book Rating : 4.4/5 (419 download)

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Book Synopsis Money Phone! by : Mike Koenigs

Download or read book Money Phone! written by Mike Koenigs and published by . This book was released on 2017-01-25 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is Money Phone and how will it change the way you do business less than 30 minutes from now?Because every business needs to get and close deals as quickly as possible but generally have these challenges...(how many of these sound like you?):They don't: have a list or database know where to find high-quality, qualified prospects have time know how to pitch their products and services the right away have good marketing have an advertising budget have a tech team have automation tools and...they have limited resources and budgets need to CLOSE DEALS NOW Money Phone is the solution for all of these challenges because with it and your smartphone, you can: Start closing deals in as little as an hour from now Gain access qualified leads IMMEDIATELY for FREE Find the highest-quality, motivated prospects with money The book includes step-by-step scripts you can adapt to any business You don't need a marketing or advertising budget No time required to get set up Nobody to hire Nothing to automate (unless you want to) And you can use this to close deals of any size - $500, $1,000, $10,000, $100,000 or even more Money Phone uses a combination of simple text messages, short 1 minute videos and easy-to-learn but advanced psychology (without using icky, annoying, salesy tactics) to access high-quality prospects, get their attention, engage with them, gain their trust and get them to say YES.The bottom line is if you can copy and paste, send a text message, take a picture or shoot a 1 minute video on your smartphone, Money Phone can be used to close deals, starting now.In fact, with the included free video training, you'll see the EXACT strategies and get the EXACT scripts I've used to close $2,700, $7,700, $19,000 and $81,000 deals with text messages, short videos and my smartphone. If you don't have a list, you'll love this bonus because you can start getting and closing deals right away.Who am I and why should you listen to or trust me?I've been consulting, advising, building, growing and selling businesses since I was 16 years old. I've helped over 50,000 businesses over the course of 30 years who have purchased my products, coaching and consulting services and software tools.Over the course of my career, I've sold well over $50,000,000 worth of products, services, coaching, consulting and advice. I've also sold two of my businesses to publicly-traded companies.I think it's reasonable to say I've witnessed and participated in a multitude of different ways to find, get and close lots of customers - but the way that excites me most is using mobile marketing with video and that's what this book and companion video is all about.Everything I'm going to share with you in this book works face-to-face in person, at live events, conferences, trade shows, associations, in retail or online. The principles are all the same.FREE - $500 Bonus TrainingThis book includes a step-by-step video training and copy-paste scripts you can use RIGHT NOW to find prospects and close 4,5 and 6-figure deals!No software, experience or list required!Get it NOW at www.GoMoneyPhone.com

The Money Machine

Author : Philip Coggan
Publisher : Penguin UK
ISBN 13 : 0141907096
Total Pages : 240 pages
Book Rating : 4.1/5 (419 download)

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Book Synopsis The Money Machine by : Philip Coggan

Download or read book The Money Machine written by Philip Coggan and published by Penguin UK. This book was released on 2009-07-02 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: What happens in the City has never affected us more In this excellent guide, now fully revised and updated, leading financial journalist Philip Coggan cuts through the headlines, the scandals and the jargon to explain the nuts and bolts of the financial system. What causes the pound to rise or interest rates to fall? Which are the institutions that really matter? Why is it we need the Money Machine - and what happens when it crashes? Coggan provides clear and concise answers and shows why we should all be more familiar with a system we so intimately depend upon.

Build a Money Machine

Author : Peng Joon
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781530813193
Total Pages : 200 pages
Book Rating : 4.8/5 (131 download)

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Book Synopsis Build a Money Machine by : Peng Joon

Download or read book Build a Money Machine written by Peng Joon and published by Createspace Independent Publishing Platform. This book was released on 2016-08-10 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Build a Money Machine reveals a simple 5 step system used to build, grow and explode any business online. Each chapter is carefully constructed from the basics of starting out all the way to automating the entire business. The book walks the reader through Peng Joon's journey from starting out in debt to becoming one of the top online vendors in the world. Readers will learn how to find lucrative niches on the Internet, build and manage their websites without any technical skills, position themselves as an authority, get an unfair advantage to getting traffic and to living a life full of choices."

The Magic Money Machine

Author : Marvin L. Piersall
Publisher : CreateSpace
ISBN 13 : 9781499189803
Total Pages : 148 pages
Book Rating : 4.1/5 (898 download)

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Book Synopsis The Magic Money Machine by : Marvin L. Piersall

Download or read book The Magic Money Machine written by Marvin L. Piersall and published by CreateSpace. This book was released on 2014-09-10 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find out what mysteries await inside the Magic Money Machine and how they just might be the solutions to help you meet your financial goals. This guide to personal finance follows the author, a personal finance coach, as he attends a charity fundraiser, where he encounters a mysterious box containing coin-producing widgets that are up for auction. He meets up with a diverse series of friends: a nonprofit credit counselor, a certified financial planner, a landlord, and a combat veteran who suffers from post-traumatic stress disorder. You'll absorb nuggets of financial wisdom that Piersall has collected over his four decades of industry experience, almost by accident, as you learn about the mysterious widgets. Reading this book will be some of the most profitable time and money you'll ever spend, and it will show you how to prepare for hard times. It is the treasure map that can lead you toward enjoying an early retirement while you're still young and healthy. It may even rid your life of money-related anxiety, sleeplessness, high blood pressure, and family discord. This book is Marvin L. Piersall's entertaining but serious explanation of how the average working American can navigate the financial storms of life and still achieve lifelong financial stability. Through the narrative, the author skillfully delivers financial wisdom that just may change your life.

The Amazing Money Machine

Author : Noah C Wieder
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781508402121
Total Pages : 0 pages
Book Rating : 4.4/5 (21 download)

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Book Synopsis The Amazing Money Machine by : Noah C Wieder

Download or read book The Amazing Money Machine written by Noah C Wieder and published by Createspace Independent Publishing Platform. This book was released on 2015-06-04 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: How would you like to keep the $2.50 Surcharge fee Every Time Someone uses an ATM? In this book I'm going to teach you how to build a passive income in the ATM Business. I've been doing it for the past 20+ years and it has afforded me the opportunity to live in Southern California, work a block from the beach, and live the dream. It's given me the freedom to choose the hours I work, even if I want a 4 hour work week. Stop trading time for money - you can work less, live more. This book explains why people pay upwards of $3.00 every time they use a non-bank ATM and how YOU CAN EARN THAT ENTIRE FEE to build wealth and earn a passive income from just a FEW HUNDRED DOLLARS a month to TENS OF THOUSANDS! Have you ever used an ATM Machine that wasn't part of your bank and had to press the key to say "YES - I agree to pay the Surcharge Fee"? How would you like to be the one collecting that fee - every time the ATM gets used? This is a tell all book about how people like you and me can own and operate an ATM Machine and make annual returns that far exceed any conventional investment strategy, with a lot less risk. This once secretive business, only meant for Bankers, Wealthy Individuals, and people "in the know" is now a wide open opportunity. It's basically a Guidebook or an ATM business blueprint, if you will, of how to be successful in the ATM Business. While there are many companies trying to sell ATM Franchises (I don't recommend one), I'll show you all the pieces to the ATM business without having to spend money on an ATM Franchise. Who is this book for? If you're you still trading time for money, read it. If you're you looking for an ATM Franchise or some kind of Franchise, you should read this book. If you're a retailer, commercial landlord, or in the retail industry and want some easy extra revenue, this is a MUST read book. If you're officially retired, seeking the next opportunity and want fantastic low risk annual returns, read this book now. If you would enjoy a passive income so you can work less, live more you'll love this book. If you're in a dead end job or career that doesn't fulfill you and you enjoy counting money, I'm sure this business is for you, read the book. If you want to help other businesses make more money and earn a passive income, this book is for you. If you're already living your dream, but wouldn't mind an extra $1,000 - $5,000 or more per month in passive income, this book is for you. If you're an entrepreneur and have dreams of owning your own business (full or part time), read this book. If you're happy with your current job, but still hunger for something of your own part time, this book is for you. If you're a people person and enjoy talking or networking with store owners, you'll love this business, read the book. If you have ever invested in stocks, bonds, real estate, or private placement companies (this is none of those), this book is for you. If you have funds sitting in a savings account, money market account, or Certificates of Deposit (CD) not producing anything that resembles a decent annual return, this book is for you. If you would enjoy quadrupling your Annual Return on Investment, you will appreciate this book. If you're planning retirement, seeking preservation of capital and passive income, this book is for you. If you have ever wondered who gets that $2.00 - $3.00 surcharge fee you pay when you use a non-bank ATM and wanted to keep it for yourself, you need to buy this book right now! If opportunity doesn't knock, it's time to build a door! - Milton Berle This book includes the tools and materials to build your door. Isn't it time to pick up the tools, and build it?

The Truth Machine

Author : Paul Vigna
Publisher : St. Martin's Press
ISBN 13 : 1250114608
Total Pages : 352 pages
Book Rating : 4.2/5 (51 download)

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Book Synopsis The Truth Machine by : Paul Vigna

Download or read book The Truth Machine written by Paul Vigna and published by St. Martin's Press. This book was released on 2018-02-27 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Views differ on bitcoin, but few doubt the transformative potential of Blockchain technology. The Truth Machine is the best book so far on what has happened and what may come along. It demands the attention of anyone concerned with our economic future." —Lawrence H. Summers, Charles W. Eliot University Professor and President Emeritus at Harvard, Former Treasury Secretary From Michael J. Casey and Paul Vigna, the authors of The Age of Cryptocurrency, comes the definitive work on the Internet’s Next Big Thing: The Blockchain. Big banks have grown bigger and more entrenched. Privacy exists only until the next hack. Credit card fraud is a fact of life. Many of the “legacy systems” once designed to make our lives easier and our economy more efficient are no longer up to the task. Yet there is a way past all this—a new kind of operating system with the potential to revolutionize vast swaths of our economy: the blockchain. In The Truth Machine, Michael J. Casey and Paul Vigna demystify the blockchain and explain why it can restore personal control over our data, assets, and identities; grant billions of excluded people access to the global economy; and shift the balance of power to revive society’s faith in itself. They reveal the disruption it promises for industries including finance, tech, legal, and shipping. Casey and Vigna expose the challenge of replacing trusted (and not-so-trusted) institutions on which we’ve relied for centuries with a radical model that bypasses them. The Truth Machine reveals the empowerment possible when self-interested middlemen give way to the transparency of the blockchain, while highlighting the job losses, assertion of special interests, and threat to social cohesion that will accompany this shift. With the same balanced perspective they brought to The Age of Cryptocurrency, Casey and Vigna show why we all must care about the path that blockchain technology takes—moving humanity forward, not backward.

Designing Mobile Payment Experiences

Author : Skip Allums
Publisher : "O'Reilly Media, Inc."
ISBN 13 : 1449366317
Total Pages : 266 pages
Book Rating : 4.4/5 (493 download)

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Book Synopsis Designing Mobile Payment Experiences by : Skip Allums

Download or read book Designing Mobile Payment Experiences written by Skip Allums and published by "O'Reilly Media, Inc.". This book was released on 2014-08-13 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now that consumer purchases with mobile phones are on the rise, how do you design a payment app that’s safe, easy to use, and compelling? With this practical book, interaction and product designer Skip Allums provides UX best practices and recommendations to help you create familiar, friendly, and trustworthy experiences. Consumers want mobile transactions to be as fast and reliable as cash or bank cards. This book shows designers, developers, and product managers—from startups to financial institutions—how to design mobile payments that not only safeguard identity and financial data, but also provide value-added features that exceed customer expectations. Learn about the major mobile payment frameworks: NFC, cloud, and closed loop Examine the pros and cons of Google Wallet, Isis, Square, PayPal, and other payment apps Provide walkthroughs, demos, and easy registration to quickly gain a new user’s trust Design efficient point-of-sale interactions, using NFC, QR, barcodes, or geolocation Add peripheral services such as points, coupons and offers, and money management

Turn Your Computer Into a Money Machine

Author : Avery Breyer
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781519404633
Total Pages : 0 pages
Book Rating : 4.4/5 (46 download)

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Book Synopsis Turn Your Computer Into a Money Machine by : Avery Breyer

Download or read book Turn Your Computer Into a Money Machine written by Avery Breyer and published by Createspace Independent Publishing Platform. This book was released on 2015-11-17 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn to make extra money as an online freelance writer who specializes in writing articles for search engine optimization results.

The Charisma Machine

Author : Morgan G. Ames
Publisher : MIT Press
ISBN 13 : 0262537443
Total Pages : 323 pages
Book Rating : 4.2/5 (625 download)

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Book Synopsis The Charisma Machine by : Morgan G. Ames

Download or read book The Charisma Machine written by Morgan G. Ames and published by MIT Press. This book was released on 2019-11-19 with total page 323 pages. Available in PDF, EPUB and Kindle. Book excerpt: A fascinating examination of technological utopianism and its complicated consequences. In The Charisma Machine, Morgan Ames chronicles the life and legacy of the One Laptop per Child project and explains why—despite its failures—the same utopian visions that inspired OLPC still motivate other projects trying to use technology to “disrupt” education and development. Announced in 2005 by MIT Media Lab cofounder Nicholas Negroponte, One Laptop per Child promised to transform the lives of children across the Global South with a small, sturdy, and cheap laptop computer, powered by a hand crank. In reality, the project fell short in many ways—starting with the hand crank, which never materialized. Yet the project remained charismatic to many who were captivated by its claims of access to educational opportunities previously out of reach. Behind its promises, OLPC, like many technology projects that make similarly grand claims, had a fundamentally flawed vision of who the computer was made for and what role technology should play in learning. Drawing on fifty years of history and a seven-month study of a model OLPC project in Paraguay, Ames reveals that the laptops were not only frustrating to use, easy to break, and hard to repair, they were designed for “technically precocious boys”—idealized younger versions of the developers themselves—rather than the children who were actually using them. The Charisma Machine offers a cautionary tale about the allure of technology hype and the problems that result when utopian dreams drive technology development.

The Hype Machine

Author : Sinan Aral
Publisher : Currency
ISBN 13 : 0525574522
Total Pages : 417 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis The Hype Machine by : Sinan Aral

Download or read book The Hype Machine written by Sinan Aral and published by Currency. This book was released on 2020-09-15 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: A landmark insider’s tour of how social media affects our decision-making and shapes our world in ways both useful and dangerous, with critical insights into the social media trends of the 2020 election and beyond “The book might be described as prophetic. . . . At least two of Aral’s three predictions have come to fruition.”—New York NAMED ONE OF THE BEST BOOKS OF THE YEAR BY WIRED • LONGLISTED FOR THE PORCHLIGHT BUSINESS BOOK AWARD Social media connected the world—and gave rise to fake news and increasing polarization. It is paramount, MIT professor Sinan Aral says, that we recognize the outsize effect social media has on us—on our politics, our economy, and even our personal health—in order to steer today’s social technology toward its great promise while avoiding the ways it can pull us apart. Drawing on decades of his own research and business experience, Aral goes under the hood of the most powerful social networks to tackle the critical question of just how much social media actually shapes our choices, for better or worse. He shows how the tech behind social media offers the same set of behavior influencing levers to everyone who hopes to change the way we think and act—from Russian hackers to brand marketers—which is why its consequences affect everything from elections to business, dating to health. Along the way, he covers a wide array of topics, including how network effects fuel Twitter’s and Facebook’s massive growth, the neuroscience of how social media affects our brains, the real consequences of fake news, the power of social ratings, and the impact of social media on our kids. In mapping out strategies for being more thoughtful consumers of social media, The Hype Machine offers the definitive guide to understanding and harnessing for good the technology that has redefined our world overnight.

The Little Green Money Machine

Author : Anthony Delmedico
Publisher : eBookIt.com
ISBN 13 : 1456606123
Total Pages : 107 pages
Book Rating : 4.4/5 (566 download)

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Book Synopsis The Little Green Money Machine by : Anthony Delmedico

Download or read book The Little Green Money Machine written by Anthony Delmedico and published by eBookIt.com. This book was released on 2013-02 with total page 107 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Little Green Money Machine: Kids in Business Around the World offers content, ideas, and exercises to lay the foundation for kids to create and run their own business or fundraiser! In addition to teaching business principles and social entrepreneurship, this book emphasizes goal setting and visualization, powerful tools that will help kids in anything they pursue. They can easily read through the sections and start their own business or fundraiser by working through the exercises in the book.

Mobile Persuasion Design

Author : Aaron Marcus
Publisher : Springer
ISBN 13 : 1447143248
Total Pages : 688 pages
Book Rating : 4.4/5 (471 download)

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Book Synopsis Mobile Persuasion Design by : Aaron Marcus

Download or read book Mobile Persuasion Design written by Aaron Marcus and published by Springer. This book was released on 2015-11-03 with total page 688 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mobile Persuasion Design presents ten conceptual design projects (or ‘Machines’) for new mobile application's (smartphone or tablet with Web portals) that combine theories of persuasion and information design to change people’s behaviour. Areas such as the environment, health, learning and happiness are explored, looking at ways of marrying people’s wants and needs to make simple, usable and desirable mobile applications. A user-centred design approach has been used, adopting user experience (UX) methods, in-depth case studies and market analysis to see what a modern user needs from their mobile application. By applying concepts like persuasion theory and information architecture, try to find ways to satisfy these needs and positively change their user habits. In 2011, the Green, Health, and Money Machines won design awards in an international competition hosted by the International Institute for Information Design, Vienna.

The Millionaire Maker's Guide to Creating a Cash Machine for Life

Author : Loral Langemeier
Publisher : McGraw Hill Professional
ISBN 13 : 0071510567
Total Pages : 263 pages
Book Rating : 4.0/5 (715 download)

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Book Synopsis The Millionaire Maker's Guide to Creating a Cash Machine for Life by : Loral Langemeier

Download or read book The Millionaire Maker's Guide to Creating a Cash Machine for Life written by Loral Langemeier and published by McGraw Hill Professional. This book was released on 2007-05-18 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: Loral Langemeier first introduced her exclusive Wealth Cycle system in the national bestseller The Millionaire Maker. Now, in The Millionaire Maker's Guide to Creating a Cash Machine for Life, she reveals how you can learn to earn more money by building a viable business. The Cash Machine is simple to start and sustain. You'll use skills you already possess and build a reliable team to help. Whether you want to partner with others or create your own team to start, fix, or buy a business, Langemeier shows you how to turn it into a Cash Machine that makes money from Day One. This book delivers a step-by-step action plan for starting up your Cash Machine, helping you to Identify your personal skill set Brainstorm a business idea and model it after a similar venture Test the sales potential Create a Cash Machine Plan Build and manage your team Develop short- and long-term marketing strategies Grow your business-and make more money! Langemeier gets you up to speed on marketing, sales, operations, finance, and management to keep your business operating effectively. She also shares instructive and inspiring real-life examples of successful Cash Machines and explains how to use profits to fuel the Wealth Cycle. In order to be truly wealthy, you need more than a 9-to-5 salary and investments: you need a Cash Machine. The Millionaire Maker's Guide to Creating a Cash Machine for Life gives you the necessary tools to begin your journey to a lifetime of financial happiness-today!