Financial Well-Being of Individuals

#Advertising Causes Higher Prices

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Businesses waste many billions of dollars on advertising each year.

Businesses do this by

—  over paying for advertising

—  using unproductive advertising

—  hiring unqualified advertising agencies

And business does not care.


All businesses in the same industry have the same marketing scheme.

All advertising costs are passed through to the consumer(YOU).


There is little incentive for business to have efficient or effective advertising.

Ever watch those Super Bowl commercials?

Hope you enjoyed them; you paid for them.



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

July 20, 2017 at 7:02 pm

Third Party Payer Systems

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There are various third party payer systems active in the economy.

As the name indicates, these systems are composed of three parties:

—  party 1:  the user of the good or service

—  party 2:  the provider of the good or service

—  party 3:  the payer for the good or service

Party 3 pays party 2 for the good or services used.

Party 2 and party 3 agree/contract on the goods/services to be provided and the prices.

Party 3 charges party 1 for the goods or services, including profits and overhead.

Party 1 has to accept the agreement/contract or find another provider of the good or service.

Usually, this is another third party payer system.

Party 1 has no participation in the agreement/contract.

It is take it or leave it.

What does this mean?

Party 1

—  gets low quality goods/services

—  is over charged for the goods/services

—  some goods/services will not be available

—  are charged for unwanted goods/services

Party 1, the consumer gets cheated every time.

Normally, the consumer has choices.

Not with a third party payer system.

Third party payer systems are corrupt.

These systems allow parties 2 and 3 to cheat party 1.

Every single time.



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

July 1, 2017 at 5:58 am

Logitech M570 Trackball Warning

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This product is a computer trackball to be used instead of a mouse.

Overall this product is quite good.

It is also a best seller in its category.

But there is a big problem.

Logitech is using inferior micro-switches in the trackball.

These micro-switches wear out very quickly.

The click-buttons stop working correctly; clicks become double clicks or no clicks, holding down the buttons no longer works.

The trackball is now ready for the garbage.

Using high quality micro-switches would only cost a few pennies.

So, why does Logitech use cheap short-lasting micro-switches?

For repeat sales.

Built in replacement sales.

So, instead of charging you $.50 for the better micro-switches, they get you to buy a new trackball every few years for $30 or more.

Pretty good marketing plan.

Legal but definitely evil.

Once again, government did not protect the public.

There are better trackballs on the market for about the same price.

Suggest people buy them instead of Logitech products.

Final note:  the micro-switches can be replaced but it takes some time and effort including soddering.



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

May 2, 2017 at 12:36 am

Health Care Costs Gobbling Up Your Money

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Health care costs are sky-rocketing:  health insurance premiums, the co-pays and the deductibles.

Taking bigger and bigger chunks of your income.

More and more insured people now report difficulty affording health care.

Costs will continue to rise, and very likely faster than your own income.

In this situation, you are facing two possible outcomes:

—  pay your health care costs to stay healthy but spend less on things such as clothing, restaurants, entertainment, vacations, household goods, etc.

—  cut back on health care — skipping that needed test, doctor’s appointment or prescription medication — which results in poor health.

Which will be your choice?

There is another alternative.

Take responsibility for your finances.

But not for you.

You are too lazy, and too ignorant.

Too proud with a big ego to ask for help.


Real Sad.



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

April 20, 2017 at 5:46 pm

American Dream Is Fading

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As the sun sets in the west, the American Dream is dying.

Three signs:

—  children are doing worse than their parents, not better

—  income and upward mobility are stagnant

—  home ownership is at the lowest level since 1965

There are other signs as well.

Government is a major cause; especially politicians.

People have no one to  blame but themselves:

—  doing nothing about it; just sitting around waiting to live in a third world country.

—  playing the blame game

—  thinking business and the  rich are the cause

—  following any fool that attempts to lead

—  wanting someone else to do something

The list goes on and on.

Want a better life for your family?

Do something!



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

March 6, 2017 at 6:39 pm

The Never-Ending Increase in Prices

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They call it inflation.


The ruling elite(politicians) cause the ever increasing costs of living.

The structure of the economy and society are the forces fueling rising prices.

Both can be changed for stable prices; even falling prices.

Simple solution.

Citizens need to fight for intelligent and fair for ALL government.



The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

February 1, 2017 at 12:24 am

Continued Decline of the Middle Class

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A core issue in the U.S. now is the decline of the middle and lower-middle classes’ purchasing power; the ability to buy.

According to some estimates, only 10% of American households make up the middle class—the 10% just below the richest 10%. The bottom 80% lacks the attributes of a middle-class lifestyle that was once affordable on a much more modest income.

And there’s very little you can do about the shrinking middle class in the short term… And by short term, we mean from now until you die.

The government is forcing up prices.

Government causes businesses to incur more and greater costs.

Business passes the additional costs to the customer.

Wages are falling.

Raising the minimum wage makes it worse.

The United States is on the road to third world status.



The facts no one wants to read.

Comments and referrals to this blog would be greatly appreciated.

Written by solutions777

January 21, 2017 at 3:41 am