From Home Office:

From Home Office:

Job Description:
Virtual call centers are work at home jobs in which people work for companies that either utilize their services themselves or contract to provide telephone support services for others.
Like agents in a traditional call center, virtual call center agents (or home-based agents) handle in-bound and/or out-bound telephone calls. The difference is that they work from their own home offices.

Companies either utilize virtual call center agents themselves (i.e. Hilton Hotels, 1-800 Flowers) or contract to provide virtual call center telephone support for others.

Virtual call center agents may do telemarketing, customer service, third-party verification or technical support for in-bound or out-bound calls. Depending on employers, agents may provide only one service or their workload may vary.
Typically the virtual call center agent provides and maintains all home office equipment and services required to do the job.
Learn more:

Experience/Skills/Education:
Previous experience in telephone customer service is highly desirable. Some companies will accept customer service experience in retail or other non-phone positions. Companies look for applicants who are self-motivated with good grammar and a professional phone presence.

Free Course Information. Study Medical Billing & Coding

Typically, basic math and writing skills as well as knowledge of word processing systems are expected. A high school diploma or GED is usually required. Many require proof of eligibility to work in the U.S. For more information see this Virtual Call Center FAQ

Type/Length of Employment:
Companies hire virtual call center agents as both telecommuting employees and independent contractors. Part-time and temporary arrangements are common; however full-time work is often available as well.

Compensation:

Pay ranges from minimum wage up to $30 for specialized positions. Typically most jobs pay closer to minimum wage. Those hired as independent contractors typically incur more costs than those hired as employees.

Payment Type and Frequency:

Virtual call center agents are paid on a per-hour, per-minute or per-call basis. For more details, see this article Call Center Pay Structures. Most are paid at bi-weekly or monthly intervals.Hiring Process:
Most companies hire work-at-home phone agents without a face-to-face interview. Typically online skill assessment tests and phone interviews are used. Background and credit checks are common. Some companies make applicants pay for these.

Geographical Requirements/Time Away From Home Office:

Virtual call center agents rarely need to work away from their home office. Even training is usually done from home. However, many companies have geographic requirements and only hire from certain U.S. states.Schedule Flexibility:
Among the many companies hiring virtual call centers, there is an array of schedules available. Some require agents work some weekend or evening hours, while others don't offer weekend and evening hours. Likewise, some require a minimum commitment of hours, while others make no guarantees about hours available. Most, particularly those that hire independent contractors, have no restrictions against agents working at a different company as well.
Child Care Arrangement:
Those with young children will need to make child care arrangements. Only children who are self-sufficient, except in an emergency, can be in the home without another adult supervising them. Since cordless phones are not allowed, an agent cannot move from her station to take care of a child.

From Home Office

From Home Office:

Job Description:
Virtual call centers are work at home jobs in which people work for companies that either utilize their services themselves or contract to provide telephone support services for others.
Like agents in a traditional call center, virtual call center agents (or home-based agents) handle in-bound and/or out-bound telephone calls. The difference is that they work from their own home offices.

Companies either utilize virtual call center agents themselves (i.e. Hilton Hotels, 1-800 Flowers) or contract to provide virtual call center telephone support for others.

Virtual call center agents may do telemarketing, customer service, third-party verification or technical support for in-bound or out-bound calls. Depending on employers, agents may provide only one service or their workload may vary.
Typically the virtual call center agent provides and maintains all home office equipment and services required to do the job.
Learn more:

Experience/Skills/Education:
Previous experience in telephone customer service is highly desirable. Some companies will accept customer service experience in retail or other non-phone positions. Companies look for applicants who are self-motivated with good grammar and a professional phone presence.

Free Course Information. Study Medical Billing & Coding

Typically, basic math and writing skills as well as knowledge of word processing systems are expected. A high school diploma or GED is usually required. Many require proof of eligibility to work in the U.S. For more information see this Virtual Call Center FAQ

Type/Length of Employment:
Companies hire virtual call center agents as both telecommuting employees and independent contractors. Part-time and temporary arrangements are common; however full-time work is often available as well.

Compensation:

Pay ranges from minimum wage up to $30 for specialized positions. Typically most jobs pay closer to minimum wage. Those hired as independent contractors typically incur more costs than those hired as employees.

Payment Type and Frequency:

Virtual call center agents are paid on a per-hour, per-minute or per-call basis. For more details, see this article Call Center Pay Structures. Most are paid at bi-weekly or monthly intervals.Hiring Process:
Most companies hire work-at-home phone agents without a face-to-face interview. Typically online skill assessment tests and phone interviews are used. Background and credit checks are common. Some companies make applicants pay for these.

Geographical Requirements/Time Away From Home Office:

Virtual call center agents rarely need to work away from their home office. Even training is usually done from home. However, many companies have geographic requirements and only hire from certain U.S. states.Schedule Flexibility:
Among the many companies hiring virtual call centers, there is an array of schedules available. Some require agents work some weekend or evening hours, while others don't offer weekend and evening hours. Likewise, some require a minimum commitment of hours, while others make no guarantees about hours available. Most, particularly those that hire independent contractors, have no restrictions against agents working at a different company as well.
Child Care Arrangement:
Those with young children will need to make child care arrangements. Only children who are self-sufficient, except in an emergency, can be in the home without another adult supervising them. Since cordless phones are not allowed, an agent cannot move from her station to take care of a child.

GSF Mortgage has named Jessica Bassan

GSF Mortgage has named Jessica Bassan as a mortgage loan originator in Centennial, Colo. She joins TeamGO with three years of mortgage industry experience. She began her career in the real estate industry where she learned about mortgages. She started working with banks to modify mortgages as an underwriter before she decided to get her mortgage origination license.
Bassan chose to join GSF Mortgage due to its extensive number of excellent reviews, IT and software support and internal communication tools. She plans to grow her presence through networking, events and social media.
"I am so excited to have Jessica on the team! Her experience in assisting low-income families in obtaining the dream of homeownership will be a great asset,” said Jim Ahlin, Centennial branch manager.

Since the housing bust, renting has been in and owning a home has been out, especially among young adults who in earlier decades would have been first-time home buyers. As the rate of homeownership has declined, from a peak of nearly 70 percent in 2004 to a 20-year low of 64.3 percent recently, the number of owner-occupied homes has barely budged, while the number occupied by renters has increased by nearly 25 percent.

Those trends have led to questions about the future of homeownership. Would more and longer rentals be a bad thing? Are the benefits of homeownership overrated? The answer to the first question is yes; the answer to the second is no.

Homeownership long has been central to Americans’ ability to amass wealth; even with the substantial decline in wealth after the housing bust, the net worth of homeowners over time has significantly outpaced that of renters, who tend as a group to accumulate little if any wealth.

A recent study by researchers at the Joint Center for Housing Studies at Harvard University analyzed the reasons for these differing outcomes. Paramount among them is that homeownership requires potential buyers to save for a down payment, and forces them to continue to save by paying down a portion of the mortgage principal each month.

Renting, in contrast, offers the potential for comparable wealth building only if renters invest an amount equal to a down payment plus any savings from renting. As a practical matter, most renters do not do that. Even in instances where renters have excess cash, saving a substantial amount is difficult without a near-term goal, like a down payment. It is also difficult to systematically invest each month in stocks, bonds or other assets without being compelled to do so.

The analysis does not downplay the risks of homeownership or the devastation of the housing bust. But the lesson of that debacle is not for individuals to avoid homeownership or for policy makers to devalue its importance. Rather, the lesson should be to foster conditions under which middle- and lower-income Americans can sustain homeownership and avoid the ruin of foreclosure.

For starters, legal and regulatory protections against practices that inflated the housing bubble need to take root. The Dodd-Frank financial reform law, for example, requires lenders to ensure that borrowers have the ability to repay their home loans and outlaws complex mortgage terms that enrich lenders but expose borrowers to payment shocks.

The law also established the Consumer Financial Protection Bureau, with the purpose of looking out for consumers’ interests in financial transactions. The C.F.P.B. has gotten off to a good start, but Republicans, who now control Congress, have consistently tried to weaken the agency and the provisions of Dodd-Frank generally. President Obama must be prepared to veto legislation to repeal or weaken mortgage-finance and consumer-protection reforms.

Equally important, larger economic forces that make homeownership less possible for working people need to be in the forefront of political debate — even if Republican control of Congress makes actions to address them unlikely. Long-term wage stagnation, for example, has made it increasingly difficult to accumulate enough for a down payment, and has led many homeowners to refinance their mortgages in order to pull out equity for consumer purchases.

The solution is to lift wages, not only with new policies like higher minimum wages and toughened labor standards, but also with approaches to managing the economy to ensure that a fair share of growth goes to wages and salaries, rather than going disproportionately to corporate profits.

Renting can make sense as a lifestyle choice or because of income constraints. As a means to building wealth, however, there is no practical substitute for homeownership.

mystery shopping assignments

If you're looking for higher paying mystery shopping assignments, here are four options. 

(Plus check out the link below for companies.)

1. Credit Card Mystery Shopping Assignments
(Get paid to apply for a credit card.)

2. Audit Assignments

(These can be frustrating, or high paying and fun.
Find the good audit assignments.)

3. Merchandising Assignments(These are often paid hourly, on a steady basis.)

4. Apartment Assignments

(Higher paying, especially if it is a video assignment) If you're looking for companies with these assignments available, one of the best things you can do is visit Mystery Shop Forum. They have hundreds of companies listed, plus feedback about many of them.

HUD's Office of Public Affairs (OPA) strives to educate and keep the American people informed

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Currently Move Tube is on Roku 3 devices, however it will be available on all other Roku devices shortly. Programming has begun to launch MoveTube on Amazon, and Yahoo which will make the channel available on virtually all smart TV’s which projections are staggering.

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HUD's Office of Public Affairs (OPA) strives to educate and keep the American people informed about the Department's mission to create strong, sustainable, inclusive communities and quality affordable homes for all. By pursuing media outreach, OPA works to ensure homeowners, renters, and those living in subsidized housing hear directly from key officials about the Department's latest initiatives and goals. Using communications tools such as press releases, press conferences, the Internet, media interviews, New Media and community outreach, OPA provides Americans with information about housing policies and programs that are important to them.

Mystery Shopper Bank Teller Assignments.

3 Types of Bank Assignments

As a mystery shopper, you know you can find assignments in all types of public places. From restaurants and retail stores to gas stations, movie theaters, health clubs, and so much more. Many assignments leave mystery shoppers feeling flustered and stressed out. Grocery stores, retail stores, and even many restaurants are often just plain crowded, and there is nothing relaxing about wheeling your shopping cart through crowded grocery store aisles or doing a restaurant assignment during peak lunch times. For many mystery shoppers, a bank assignment usually can provide you with a great change of pace. Here’s what you need to know:

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They find companies with assignments available, and send them straight to you.

Bank Teller Assignments. Often, bank assignments will have you deposit a check or cash into your account from the drive thru lanes. For this reason, this type of assignment is typically only available for people who already hold an account with the specified bank. When you perform this assignment, you don’t have to get out of your car, which makes it ideal to do on even the coldest days of winter. It’s also usually a fast assignment. Unless you hit the teller lanes at 5pm on a Friday afternoon or another peak payday time such as the 15^th or the last day of the month, you rarely have to wait behind more than a car or two at most banks. So you can be in and out of this site visit in a matter of minutes.
Open An Account. Some bank assignments will have you walk into a local bank branch and open a new account with a bank representative. With these assignments, sometimes you will be required to enter the bank without an appointment, and this can mean you have to wait quite some time for a representative to become available. Other assignments require you to make an appointment with a certain representative before your visit, and these assignments generally move pretty quickly. Keep in mind if you open a new checking or savings account, you typically have to have cash available to deposit into the account on that day. As a bonus, many banks offer free gifts for opening an account, such as cash, free movie tickets, or so forth, which is a great perk.
Question On An Account. As a variation of opening an account, another scenario that is common with bank assignments may involve you walking into a bank where you already have an account and asking a specific question about your accounts. You may be required to ask your question to the inside bank teller or to the bank representative. This type of assignment typically won’t take too much of your time unless you visit at a peak time for the bank.
These are just a few of the different types of bank assignments you may run across. Pay attention to the requirement for being a current account holder with the bank in question before you request the assignment. Typically, these assignments are a great change of pace from the norm because banks are often far less crowded than retail stores, restaurants, and so forth. In addition, you often have fewer requirements to fulfill on-site with this type of assignment, which makes them generally easier to do.

Market force Mystery Shopping

Market force Mystery Shopping Written by Tammy S: Market Force is one of the leading forces in the industry of mystery shopping. I have worked for this company for over 5 years. They offer a variety of jobs in a multitude of venues When you sign up with the company you will see that they are very fair and compensate nicely within a month. The range of pay that they offer is anywhere from $3.00 for a telephone shop or over $100.00 for audits.

If you go to their home website at: http://www.homejobslistings.com this will take you to their registration page and from there you can easily sign up and if you have any questions about their program.

When you sign up with Market Force you will be asked what “areas” you will want to work in and around such as a major city that you live near as well as the surrounding cities that you would be able to travel. It all depends on you and how far you want to go to obtain jobs.

I would have to say it is the best mystery shopping company I have ever worked for simply because they are comprehensive and thorough in their directions of how they want you to perform a job. It is one of the easiest websites to follow and you will not be disappointed with Market Force.

My Experience I enjoy working for Market Force. They send you an email every day to let you know which shops are available in your area(s). From these emails you can pick and choose the jobs you want to perform and the jobs that will go along with your schedule. You can also go to their website and search in other cities and states if you happen to be traveling and want to perform mystery shops in your spare time.

I have completed a wide variety of jobs for Market Force. I started out doing cell phonejobs where I would go undercover and pretend I was interested in obtaining a new cell phone. These were the perfect jobs for me to start mystery shopping because they are very easy and I could perform many of them in one day which makes it quite worth it when the day is complete! I also perform telephone mystery shops, mainly to banks, and I will call and get a name and determine if the customer service rep was doing their job correctly.

Another type of job I perform is with the bigger companies such as tire manufacturers and book stores that may need auditing, which means you would contact the manager of the store to help you count merchandise on shelves and let the company know what is out of stock. This type of job is very easy and you get to interact with the managers of some major companies. You get the respect of the managers and a job that can be repeated throughout the year.

Working with the schedulers of Market Force is a breeze. If you have any questions you would contact the scheduler for the specific job and they will get back to you in a reasonable amount of time. They really are very helpful and can steer you in the right direction if you get stuck with anything, such as printing paperwork, or a question about the specific job you are performing. They respond quickly and efficiently.

I have a high regard for Market Force. They have worked with me over the years and if I make mistakes I correct them quickly and they take this into great consideration since no one is perfect! So you won’t have to worry if you happen to make a mistake, unless it is quite major, then this company will work with you to correct your mistake. It may mean that you would be with held from future jobs until a period of time goes by, but this is not an issue since they have so many other jobs to choose from on their web site.

I encourage you all to sign up with Market Force. Happy Mystery Shopping!

Save on Gas with Mystery Shopping

Mystery shoppers have been watching gas prices creep back upward for months with much dismay. The higher gas prices climb, the more money mystery shoppers have to pay to travel to do assignment site visits. With gas prices up almost $1.00 per gallon in many locations in just the last few months, if not more, many mystery shoppers are really starting to feel some pain at the pump each time they fill up.

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They find companies with assignments available, and send them straight to you.

There are some steps you can take, however, to help take the sting out of those painful fill-ups. Here are some ideas:

Gas Station Assignments. There is nothing that will put a smile on  your face faster while you are standing there filling up your tank than knowing  you are getting reimbursed for your gas purchase! Now most gas station assignments will reimburse you for only a portion of your purchase, so don’t expect to walk away with $50 or $100 in gas for free! However, if you make an effort to pick up a few of these assignments each week on a regular basis, you will find that this really will make quite a difference in your overall gas expense for mystery shopping.

Top It Off. While most gas station assignments offer you a reimbursement on a portion of a fill up, there aren’t many that will reimburse you for the cost of a full tank of gas. It’s fairly common to see a $5 or $10 reimbursement, plus a small fee for your assignment pay.

Be sure not to “leave money on the table”, so to speak. Don’t show up at the gas station assignment with almost a full tank of gas and unable to get your full reimbursement on your purchase. If you are bone dry the day or two before your assignment, only fill up a quarter or a half of a tank to leave room for the gas purchase you will be reimbursed for.

Tie A String Around Your Finger! Whether you simply don’t like the extra clutter in your car or you are trying to be more “green”, many people these days opt to not print out the receipt at the gas pump. Keep in mind that you will need to print out the receipt to get reimbursed for your gas purchase. So avoid the urge to go into auto-mode at the gas pump and click “no receipt.” If you need to literally tie a string around your finger to remember to print your receipt, do it!

Say Cheese! Most gas station assignments will require you to snap a few photos of the exterior of the store from different angles. Many mystery shoppers prefer to do this at busier times of the day to  avoid being seen. This can seem fairly illogical, as with many cars and drivers at the gas station, you stand a better chance of being seen. Yet it is far easier to blend into the crowd and not be singled out when the gas station is packed with motorists. You also stand a less likely chance of the gas station clerk glancing out the window and catching you snapping photos if he is busy helping other customers.

The time of day you choose to shop will be up to the assignment requirements as well as your discretion. Just keep in mind that you will likely need to snap photos incognito and think through if you’ll be more comfortable in a crowded or uncrowded environment.

Skip The Goodies! Many gas station assignments also require you to make a small purchase inside the store and interact briefly with the gas station clerk. It may be tempting to buy that candy bar or a soda, but if you are strapped for cash, you may want to make your reimbursed purchase towards a necessity like milk, eggs, or even fruit that are sold in many gas stations these days.

Double-booking It. If you have to be out on the road and burning gas, you might as well make that trip worth your while. With gas prices so high right now, it absolutely makes sense to schedule mystery shopping assignments with location in mind. A great idea is to look for several assignments in the same shopping mall, outlet mall, or retail center so you can drive to one location and complete several site visits. Another idea is to pick up assignments that you can complete en route to places you already need to travel, such as on your way to work or to your daughter’s ballet lesson. You can also try to find assignments that serve a double purpose for you, such as a grocery store assignment where you can pick up your groceries for the week while you are also working on an assignment, too.

When gas prices get as high as they currently are, and especially given the fact that they are only expected to go higher yet, you really have to make some adjustments to your mystery shopping habits so that you can avoid pain at the pump. When you take steps to follow some of these tips, you will find that you can continue to make great money as a mystery shopper without spending quite so much in gas, and this means increasing your overall profits!

Company Overview: JM Ridgway has been in business since 1924!

Company Overview: JM Ridgway has been in business since 1924!  While they don’t claim to be the oldest mystery shopping company, if they’re not, they’ve got to be right up there.  According to the company’s “About JM Ridgway,” the “core management team” of CEO Frank Kneisley and President/Sales Manager Scott Ridgway have a combined 80-plus years’ experience in the mystery shopping industry.

The company’s website states that they’re a member of the Mystery Shopping Provider’s Association.  No mention is made of a BBB membership or accreditation; and when I searched the BBB online, I was told that no match could be located.  Oddly, the MSPA website was not searchable to confirm membership of any mystery shopping provider company; not even from the “Member Companies” tab of their website.
The only complaints about JM Ridgway I found via websites such as ripoffreport.com or complaintboard.com, were regarding spammer’s fraudulent use of the JM Ridgway name and not the company itself.
This company uses the SASSIE system to schedule and report shops, and pays via PayPal or check.  According to their “Shopper FAQ”, the stated payment schedule is “no later then the 45th day after the completion of a shop”.  However, it says to allow an additional five to seven business days after that, for the payment to arrive regardless of payment method.  The page advises shoppers of who to contact within the company, with email address provided, if payment is not received by the 52nd day; and what information to include in your payment inquiry.
It also lets shoppers know that shops are paid in two separate payments:  shop fee and reimbursements.  This is a little different than other mystery shop companies, but not a big deal — just an oddity to note.  Interesting is this inclusion:  “Please do not inquire about why your shop doesn’t show as paid in Sassie.  It will be eventually.  There are several reasons why they aren’t marked paid for awhile that we are not going to take the space or time to explain, nor is it necessary.  Again, they will be eventually.  Thank you.”
For a time, this company suffered quite a bit from a reputation among shoppers of poor payment practices.  The stated payment schedule used to be 90 days, and almost without fail, shoppers reported having to email someone at the company to “remind” them that payment was due.  But in the last more-than-a-year, JM Ridgway has made vast improvements in this department:  They’ve not only shortened the stated payment schedule as outlined; but most importantly, they’ve started paying shoppers on time, every time; without being “reminded”.
General types of assignments & geographic regions in which assignments are available:
When I looked through the job board, I found jobs listed for 26 states.  There’s an option to search Canada and Ireland, along with the American Territories and Armed Forces; but I couldn’t find any jobs currently listed for any of those places.
Anyway, the jobs I found right now were:
* furniture stores — one predominantly, but also a second;
* two different mattress stores;
* alcohol compliance and integrity (currently only in Arizona);
* casual dining (currently only in California);
* a party supply store (but only in Maryland);
* storage facilities (currently only Georgia and Michigan, although I’ve seen these in other states as well via shop emails);
* apartments (currently only Louisiana and MInnesota);
* grocery stores.

I’ve also received job emails for jewelry/accessory stores, and recently started getting emails for BBQ grill mystery shops.
There’s a page on the company’s website of client case histories which include some other clients, including fitness facilities, jewelry repair, a transportation company (apparently buses), a “Major League Sports Franchise”, and a few clients identified only as “Specialty Retailers”.
One interesting job I found in a few different states, places the shopper undercover, working alongside a “head delivery and installation technician” to deliver and set up bed frames and mattresses in customers’ homes.  This is referred to as a “Mystery Helper”, rather than a “Mystery Shopper”. For this job, you are paid on an hourly basis by the client for your training time and labor, as well as paid by JM Ridgway for a report of your observations while on the job.  Qualifying for these jobs is a multi-step process including a background check and screening by both JM Ridgway and the client.  The client will then keep you on call for future assignments of this nature.
The company’s “Client Services” page relates that aside from “normal” mystery shops, such as those mentioned above; they also provide services in phone shops, video shops, video surveillance, background checks, worker’s comp fraud investigations, “undercover operatives”, and “ALL investigations needed”.  They also provide “Direct Customer Feedback Programs… gain feedback from customer and employees”.  This page also includes examples of the types of reports clients can expect from the SASSIE reporting system.
The company’s “Shopper Resources” page informs us that not all jobs get posted to the job board online.  Shoppers are encouraged to email schedulers with their location, to see if there are any non-posted jobs available in their area.  Besides checking the company’s job board, shoppers are also able to sign up for shop notification emails like with most SASSIE-based companies.
Unlike many mystery shop companies, in my experience at least, reviews of or grades for completed shops/reports are seldom received.  Shoppers will be contacted, of course, if there are questions or if clarifications are needed; but otherwise most of the time there is no post-shop communication.  You are able to save a PDF copy of your completed reports via the SASSIE reporting system.
Shop guidelines are generally well-written and non-redundant, but could be formatted with more white space for easier reading.  Included are all of the steps you’ll need to know to complete your shop, example scenarios, and advice of how shoppers can handle “off-script” occurrences (such as not being able to find an associate in a particular department).  Sample narratives are typically provided, including how to report odd circumstances.  Be sure to check not only the “Guidelines” link, but the printable version of the questionnaire — it often includes additional information.  (It would be nice to have everything all in one place.)
Shops themselves, in my experience at least, are pretty straight-forward.  Nothing too weird is expected, like the way some shops have various requirements that scream “Hey!  Look here!  I’m your mystery shopper today!”  One of the grocery shops I’ve done for them does require two questions of the associate — one for product knowledge and one for product location to see if they escort — but it’s easy enough to pull that off.
Pay is very fair and reasonable for what’s required, both during the shop and for the report.  Bonuses can get pretty decent for shops in difficult-to-fill locations.
All of the reports I’ve done are are well laid-out, in a logical order, with little to nothing in the way of repetitiveness or redundancy like some reports for other companies.  JM Ridgway want a reasonable amount of narrative, but nothing crazy.

Per shop guidelines, reports are always due by 9 AM on the day following the shop.  (Although I just found out while putting this review together, that the ICA states 24 hours, so… ???)  However, on a couple of occasions when I’ve needed an extension due to all-day routes, the scheduler has lengthened that 9 AM deadline once I explained the situation

Alabama Gov. Bentley removes Confederate flags from Capitol grounds

Alabama Gov. Bentley removes Confederate flags from Capitol grounds

 On the order of Gov. Robert Bentley, the Confederate battle flag which stands at the foot of the confederate memorial on the state Capitol grounds was taken down this morning.
Two workers came out of the Capitol building about 8:20 a.m. and with no fanfare quickly and quietly took the flag down. They declined to answer questions.
Moments later Gov. Bentley emerged from the Capitol on his way to an appearance in Hackleburg. Asked if he had ordered the flag taken down, the governor said, "Yes I did."
Asked his reasons for taking it down and if it included what happened in Charleston last week, the governor said, "Yes, partially this is about that. This is the right thing to do. We are facing some major issues in this state regarding the budget and other matters that we need to deal with. This had the potential to become a major distraction as we go forward. I have taxes to raise, we have work to do. And it was my decision that the flag needed to come down."
Bentley said before he made the final decision he checked to see if there were any impediments in the law or state policy that would prevent him from taking down the flag and found none, so he acted. 
After the battle flag – which is at the center of the controversy  was gone, workers began removing three other Civil War era flags.
They are the First National Confederate Flag, commonly preferred to as the "Stars and Bars;" the second flag is the Second National Confederate Flag, more commonly known as the "Stainless Banner;" and the last flag standing is the Third National Confederate Flag.
About 90 minutes after the battle flag was removed, about a half dozen workers removed those remaining flags. The workers did not answer questions.
The view of the flags on the huge monument has been obstructed by the heavy trees at the site which is just at the bottom of the steps leading to the main doors of the Capitol's north entrance and is surrounded by a wrought iron fence. It is a very short walk from the governor's office.
The cornerstone of the Confederate monument was laid by Jefferson Davis, president of the CSA (Confederate States of America) on April 29, 1880.
After the flags were removed, a protester carrying a Confederate flag showed up at the monument.
"If you don't change people's hearts, changing a flag won't do anything toward racism," said Mike Williams of the Sons of Confederate Veterans.

Mortgage Revolution

In November of 2009 Frank and Brain were invited along with Marc Savitt, who had just created the National Association of Independent Housing Professionals (NAIHP), to come and speak with HVCC author and New York Attorney General, Andrew Cuomo in Manhattan NY.  In order to make an impact on Cuomo and his staff they had all 130,000 signatures printed and delivered to the AG’s office on Broadway St.  The cost to print the signatures was over $5,000 and few people know this but, First Priority Financial paid that bill.  When they got there they didn’t actually get to meet with the AG.  They met with two of his underlings who recognized Frank and Brian from their show.  It was a bit of an uncomfortable moment to say the least considering how many videos they made mocking Mr. Cuomo.  In the end the meeting did nothing to remove HVCC, but the petition went on to get used by Savitt and others in Washington in continued efforts to fight the troublesome code.

The Indymac Video

On February 8th 2010 Frank and Brian released a video, based on a blog post they had read on Active Rain, that showed the sweetheart deal that One West Bank got from the FDIC for purchasing the assets of Indymac Bank.  There was something about that video that not only resonated with industry professionals, but stirred up the emotions of the general public as well.  When the video was released the views seemed to be much higher than normal early in the day.  Then they just kept going and going and going.  By the end of the day there were over 50,000 views on it.  Needless to say there was quite a buzz going around the office about how far it could go.  By the next morning there were over 150,000 views and they were climbing fast – really fast.  Not only were the views climbing at an alarming rate but so where the subscribers to the show.  Industry professionals and consumers alike were subscribing in droves.  By February 12, 2010 the video had gotten so much attention from the media that the FDIC had to issue a press release on it that you can see HERE.  It’s not surprising that they would dispel the notion of the sweetheart deal, but many other media outlets agreed with their presentation and even justified it.
The original video is lost on the old TBWS site but many people ripped it and uploaded it to their personal YouTube channels.  The video on the TBWS site peeked out at about 20 million views.  The various YouTube postings have somewhere around 10 million views on them.  Needless to say, to date it’s the most viewed video Frank and Brian have ever done.

Mortgage Revolution

With popularity comes demand.  All of their hard work was starting to pay off more and more.  With views and subscribers soaring, advertisers started showing up asking to be on the show and Frank and Brain were being requested to attend various events as guest speakers.  This was new for both of them.  Neither one of them had any experience public speaking and their first few events were clunky at best.  But they pressed on and learned from each gig.  As the requests came in all Frank and Brian would ask for was airfare and hotel rooms, but as it continued it started taking a toll on them and they eventually began charging a speaking fee.  What’s interesting about Frank and Brian is that they simply are who they are.  People are always surprised to find out that they are exactly the same in person as they are on their show.   It’s pretty evident by the fact that they often do their presentations in t-shirts, shorts and flip flops!  But that’s what people expect them to do so it’s all good.
One of the most memorable early speaking events that Frank and Brian promoted and presented at was the 2010 Mortgage Revolution event in Atlanta Georgia.  The event was almost an anti-event in that no one was paid to speak and if you did speak you couldn’t “sell” from the stage.  It was an event that helped revive the mortgage originators out there.  By now the mortgage industry and it’s people had been severely beat down and there was a continual dark cloud overhead.  Mortgage Revolution was a breath of fresh air.  An event that had many speakers who showed up with nothing to sell, just ideas and strategies that could be implemented to help get through those tough times.
The other remarkable thing about the event is that any profits from ticket sales went to local charities.  The push was not only to provide value to the mortgage originators out there that just plain needed some inspiration, but to show the country that mortgage people weren’t a pack of evil monsters.  They wanted to give back and help the local community.  It was a really neat event.  They went on to do another one in New York and San Francisco.

The National Real Estate Post

2011 – 2012 were a blur for Frank and Brian.  Show after show, speaking event after speaking event they continued to press on making daily shows, working on products finding their way from one opportunity to another.  Eventually there was a parting of ways.  After much haggling with the owners of FPF Frank and Brian eventually were able to gain a small ownership position of TBWS.  The relationship between Frank and Brian and the other owners was always cordial but sometimes it could be tense.  At this time the CFPB was getting into full swing and it was a common topic of the show.  The majority owners of TBWS were also the owners of FPF and it became more and more apparent that owning the voice that kicks the CFPB around might not be the best idea for  the owners of a mortgage banking company.  So the decision was made to part ways.  They got to keep the name Think Big Work Small and the Rate Alert product and Frank and Brian got to keep the show, their subscribers and their Real Estate Marbles product.
The deal went through in September of 2012 and Frank and Brian were allowed to keep the show name “TBWS Daily Show” through the end of the year.  The show name was changed to The National Real Estate Post in January of 2013.  Frank actually always wanted to change the name of the show for SEO purposes, and he always thought the name of the show should convey what it was about, so for him the name change was welcomed.  Since the name change the show has continued to thrive and new partnerships have been formed with Barry Habib and the Listing Booster product.  These two relationships have already proved to be very fruitful and helped to position The National Real Estate Post for great things in the near future.  They are also currently working with Chad Weber and Mark Madsen, experts in the SEO and consumer marketing arena, which will greatly benefit their viewers and Featured Professionals.

Fox News & The Future

One of the immediate benefits of being connected to Barry Habib was the introduction he made for them to Liz Claman, host of the Fox News show After the Bell.  After Frank and Brian’s first appearance on the show they have been invited back several times.  There is even a fun relationship being formed with Liz and her team.  Frank and Brain would love to have more appearances on her show and other shows.  Time will tell, but the future looks promising for Frank and Brian and The National Real Estate Post.
Frank and Brian have worked tirelessly for the past 6 years to drive The National Real Estate Post up the charts.  With the help of their newly formed partnerships they believe they can make The National Real Estate Post a household name with all mortgage professionals, real estate professionals and consumers alike.  The bottom line is they’re determined to make it, or die trying! It’s funny to look back on how it all started and really encouraging to see such great promise going forward.  The bottom line is that it may have started with a little idea and perhaps a dash of luck, but how it got here, and where it’s going, has been and will always be, the result of a lot of hard work, dedication and consistency.   So stay tuned and thanks for reading Our History and as Jerry Garcia once sang – “What a long strange trip it’s been”.The National Real Estate Post

It always seemed like such a romantic idea. But in real life, today, 2015, how far would you actually walk for a dream?

3 women set out to deliver a package. On foot. 250 miles away. Here's why. Remember those stories you heard as a kid about people walking a really long time for something they believed in?

It always seemed like such a romantic idea. But in real life, today, 2015, how far would you actually walk for a dream? For a vision of a better life and world?

How about 250 miles? That's what these three phenomenal women just did. 

Take a good look at this picture. On April 13, Linda Sarsour, Carmen Perez, and Tamika Mallory left Staten Island to start a nine-day, 250-mile walk from NYC to Washington, D.C.
Why?
They were fed up with years of police brutality and injustice toward people of color all across America, especially after the non-indictment of Officer Daniel Pantaleo in the chokehold death of Eric Garner in December 2014, right in their backyard of New York City.

They had reached their limit. The three had been activists for most of their lives but knew it was time for something out of the ordinary. They wanted to do something disruptive and epic and a little crazy.

So they decided to walk; And they weren't alone. Nearly 100 marchers took the trek with them. 

Passionate walkers of all ages and ethnicity walked side by side for 250 miles.

I march for my son. Because I

“I march because Michael Brown can't

I am marching for ALL my Sisters

And while they had their personal reasons for going, together they had one clear goal:

Bringing a “Justice Package" of legislation proposals to Congress.

The package includes three proposed pieces of federal legislation:

• The End Racial Profiling Act that would do exactly what its name suggests: prohibit law enforcement from profiling based on race, nationality, ethnicity, or religion.
• The Stop Militarizing Law Enforcement Act would amend the current law that allows the Department of Defense to transfer its excess equipment (like the military-grade vehicles and weapons that were used to police peaceful civilians in the streets of Ferguson, Missouri) to federal and state law enforcement.
• The Juvenile Justice and Delinquency Prevention Act would create a federal-state partnership to support prevention programs that give young people alternatives to incarceration. 

They stopped in Newark, Trenton, Philadelphia, and Baltimore, and were joined by supporters in every city. They were welcomed at churches, mosques, schools, and community centers with dinners, rallies, prayer circles, and vigils.
There was music, food, poetry, press, deep conversation, and lots and lots of tears. Especially when they were joined by the parents of victims, elders of the community, and children. 

By day, they walked in the hot sun and pouring rain. By night, they slept on air mattresses and rested their bruised and swollen feet.
They popped off knee braces and ankle wraps and hoped that their legs would make it just a few more days. One walker, Malik Hubbard, even injured his Achilles tendon on the trip.
But every morning, he and everyone else got up and kept walking. City by city, the same thing.

Until they got to Baltimore. 

On the seventh day of the march, the group arrived in Baltimore just as horrific news was breaking: Freddie Gray, a 25-year-old black man who was rushed to the hospital with a severed spinal cord after being chased and tackled by officers, had died.
The local community was outraged and emotional, and intense protests ensued, right in the presence of the marchers. Then, according to marcher Alida Garcia, this happened:

"We happened to be marching through the very neighborhood of the police precinct so we marched there and met up with Freddie's family and friends. Tensions were high, young men wanted answers, simple answers to questions like 'what happened?' that have gone unanswered for over a week as he was put in a coma. People saw an officer who was on the [scene] and walked over to ask questions. Things were getting a bit impassioned and little, 5-foot-something Tamika courageously pushed her way in between the police and the protestors reminding them that we're fighting a system, not individual people and that being organized can get us the answers."

It was a painful, real-time reminder of exactly why they were marching.
So they kept going.

Now, back to that picture.

This photo was taken as Linda, Carmen, Tamika, and the rest of the marchers finally crossed the line into Washington, D.C.

That's the look of victory.

They made it to Washington just in time for a series of planned events. The final march from Howard University to Capitol Hill, a concert and a rally that included celebrities like Jussie Smollett from Fox's hit TV show "Empire," the fabulous "Grey's Anatomy" actor and activist Jesse Williams, and legendary actor Danny Glover.
Then, they went on to hand-deliver the Justice Package that they walked so far to share with members of Congress. And so ended the epic #March2Justice.

But it's really just the beginning.

Sure, the marchers will all go back home and continue their work. The news cameras will disappear and the hashtag will die a quiet, peaceful death like all other fleeting, trending topics. 

But imagine just how many people were inspired by seeing a new generation of marchers take a stand for what they believe. Or how many little girls will grow up to be powerful leaders because they saw three humble young women turn the vision and a dream of a march — that no one thought they could pull off — into reality, all in the name of justice?

Maybe one day, theirs will be the long-walk story that is told alongside the fairy tales and Bible stories and history lessons.

When I was done with my research here is what I found to be the Top 10 types of programs.

People are swarming to the Internet for hope in creating extra income. Many do just that and some have replaced their day job. How exciting is that? The opportunities are there they just have to be found and then taken advantage of. Many are afraid to give themselves a chance. If you are one of these people you have to take chances in life to be successful. Most of the Top 10 programs are very inexpensive and easily affordable so give yourself a chance at the American Dream.

I see so many searches for the top 10 work at home jobs on the Internet. You see searches for phrases like home job legitimate top work, home job top work, from home job top work, home top work and business home top work.

Many people are looking to start what they believe to be a Top 10 work at home program. There are thousands and thousands of programs out there to choose from and many of them are scams. What does a person do that want or better yet must sift through the masses of programs.

My first suggestion is that you either use a website like mine that has a top 10 page where my top 10 researched programs are highlighted. There are many good web sites available to help you, whether you use mine or not is up to you. Either way you need to use a good web site or be prepared to spend hours doing the research yourself. It can be done and you can be successful.

It is no wonder why many people are want to start working from home. I can tell you from my experience it is very relaxing and quite enjoyable.

When I was done with my research here is what I found to be the Top 10 types of programs.

Data Entry – I found 2 Top rated Programs in this area.
Type at Home – I found 2 Top rated programs in this area.
Online Paid Surveys – I found 2 Top rated Programs in this area.
Moms Jobs – I found 2 Top rated programs in this area.
Home Based Business – I found 2 Top rated programs in this area.

I found many more quality programs, but to be frank it was very easy to limit myself to the Top 10 work at home programs. They stand out in comparison to all of the others.

You will need to do the following to get your exciting new work at home endeavor started:

1. Pick 1-3 programs that will help you create multiple income streams.
2. You will need a computer, access to the Internet and some extra time.
3. You should set up separate email address if possible.
4. Join the program and get started.
5. Put forth the effort required to ensure your success.

In summary there are many good programs to choose from so do your research, choose from the Top 10 programs and take the plunge. Do your research, choose the best programs in your opinion, join and start creating income from the comfort of your home.

Please feel free to read more of this article by visiting my link in the resource box below. I always enjoy getting emails pertaining to my articles or my site. Your feedback is important to me.

Get Creative With Jobs At Home

If you’re looking for a way to make some extra money by doing jobs at home, then learn to think outside the box about the possibilities. There are many creative ways to spend a few hours each day doing jobs at home.

Perhaps you are looking to work for an outside company that gives people jobs at home. You may be able to get paid to do research for a professor at a local university or to grade papers for a local teacher. Before getting jobs at home you should think about things you are good at and things that interest you. There is nothing worse than having jobs at home that don’t hold your attention. Look for a local business that allows people to do bookkeeping or payroll jobs at home. Try looking through the classified ads for jobs that can be done at home.

It never hurts to give a few companies and try and suggest to them that you perform the duties they require while at home.

Consider other jobs at home that you can gather by assisting your neighbors or friends. Babysitting or nannying for the children of your friends or neighbors can be a great job do to from the comfort of your own home. Especially if you are raising your own kids at home, day care is a great job at home. Do you have neighbors that work full-time and leave their pets behind? If so, consider starting a small business to walk, feed and play with dogs during the day. What a great and fun way to increase jobs at home.

We all know that women who work all day are often too tired or too busy to cook a nice, healthy meal for their family. Why not start a job at home cooking meals for different neighbor families each night? For a small price you cook spend some hours each day making gourmet meals that will keep your neighbors healthy and satisfied after a long day of work.

For those to whom creativity and artistry comes naturally, put an add in the paper to create custom made invitations for weddings, bridal showers, or birthday parties. Get paid to do fun jobs at home that you enjoy.

Meet with clients and then take their ideas back to your home. Think of the fun you could have spending a few hours each day creating beautiful and unique invitations to some of life’s most special events.

There are endless ways to get jobs at home. You simply have to know what you are good at and then market those skills to the people around you. In no time you can be doing jobs at home that you love.

 

You can earn $200.00 to $500.00 a day by sending people to our web site!

There are so many people promoting business opportunities out there, it is really hard to make a living now a days.  What most people are really looking for is a JOB.  All of these business opportunity sites are trying to do is talk people into starting their own business. Or, they are tricking them into buying their program.

So what does this mean for you? Most of the time it means a chargeback.  They cancel their order stating that it was nothing that they expected!  So there you are, thinking that you made some money only to find out it was mostly canceled, refunded or charged back.

Our website offers Jobs.  Exactly what people are looking for.  That means you keep you hard earned money promoting this site!

The most important thing to remember though, is not that you keep more of your commissions, but that there are so many people looking for a service like this.  You will be promoting a program that has a high demand with little competition.  When I say little competition, I mean legitimate competition. There are plenty of wolves in sheep's clothing out there. This one offers what it says it does. 

Think, you can now offer people a way to find a legitimate Job From Home!  That is powerful.  If you have been doing affiliate marketing for a while and have been scratching your head wondering why you aren't making the money that others are claiming; it is because you don't have the right product that a large mass of people are searching for!  You can have that now by promoting Home Job Group.

We have a professional web site that converts well. It is very straightforward with no bull.  We state what people will receive in the members area on our home page.

You will earn 50% per sale!  We have several different products offered. You will earn 50% no matter which program they sign up for.  Doesn't seem like much you say?  Well it is if you consider that about 1 out of 10 sign up (if promoted correctly). You can earn $200.00 to $500.00 a day by sending people to our web site!  We also provide some great banner ads and a pop-under window script below!

Getting started is easy:

All you need to do is sign up with ClickBank.  If you already have an account, that is ok too.  Below is the link you use to promote this web site: