The Most Dullest U.S Major Cities

  1. Indianapolis

Amid endless cornfields, fast-food chains, ignorant rednecks, and warehouses with $9 an hour jobs, you’ll find Indianapolis, the crossroads of America or America’s truck stop. A fine place to fill up your gas tank. he 3rd largest Midwest city by population (after Chicago and Detroit) and largest by land area. It is not exactly a city for urban enthuseists. It is very dull and lackluster by most standards when comparing it to either coast. No mountains, not even hills. Nothing but corn not far outside the city (typical of the Corn Belt). No water. No beaches. No oceans. No diversity. No culture. No nightlife. Forbes Magazine ranked Indy the worst American city for singles based on this sad fact. Not many opportunities to get out and enjoy nature. No sidewalks, bikepaths or greenspace. Therefore, too many people are fat and unhealthy. People are too antiquated and narrowminded to accept changing ANYTHING in the area, and that includes possibly getting lightrail, even if it is for the good of the area. No public transportation due to the exessive use of automobiles by residents. The city only has a mediocre bus-only system with few routes and no evening service. People cannot take direct routes because they have to “transfer” downtown. No mass transit or lightrail. Forget about getting it. It will never happen. The poor maintanence of roads is also a problem. Many heavily used city streets are too narrow and needed to be widened years ago. Too many potholes. As freeway congestion increases, the city has done next to NOTHING in relieving the stress. At most, one can expect added travel lanes, HOV lanes or extra freeway exits but that’s it. The city can have poor air quality created by too many polluting cars on the raod and a lack of hybrid engines by its city and school buses. No street lamps. A high number of foreclosures but not as bad as in the Sun Belt. A slumbering skyline that has gone nowhere since 1990, when the Chase Tower was completed.

Property taxes are also very high. The people are also ignorant. Indianapolis Public Schools (IPS) has the 2nd highest number of dropouts in the country. The city is way behind in technology, but instead tax dollars are spent on useless things like new stadiums just to shown off to other cities. Go to somewhere like a Seattle school, and everyone has iPods and PDAs. Go to Indy, and the people with iPods and PDAs get theirs stolen

Indy, for some reason, calls itself a world-class city but has NOTHING to constitute one. It wont be world-class ‘till Cincinnati, Louisville and Columbus are. In fairness, Indy has come a long way in reinventing itself but needs to be much more aggressive in its efforts to be more lively. Part of the reason is that it has not marketed itself very well. Until that happens, it will forever deserve its Naptown image.

 

2. Charlotte

 

3. Des Moines

A city that is also so small that it takes only 10 minutes to drive through the entire city. Des Moines is not really known worldly or throughout the country for much of anything. Probably the most boring city you’d ever visit with “skycrapers” that (the tallest) is only 400ft tall. Des Moines is a place you go to only if you have to and still you don’t want to go there.

4. Little Rock

5. Columbus

6. Bakersfield Population: 315,837

Bakersfield is one of a number of inland California cities that owe what little media scrutiny they received to the region’s devastating housing bubble. Others on the list include Stockton, Fresno and Modesto.

7. Sacramento

8. Lubbock

9. Jacksonville

 

10. Dallas

Most of the people in Dallas who are from Dallas are very settled. There is really no “night life”. I have been out at 11 p.m. and past and have literally been the only car on the road in Dallas. Creepy. No other cars. People go in and shut their doors and that is it.

 

 

Best cars to flip

1st: Honda Accord: By far the number 1 sought after cash car in the market especially anything from 2003 to 2005 that you can sell for $5000 or below.

 

2nd: Toyota Camry: After the Accord everyone is looking to buy the Camry. Many individuals love this model especially those from other countries.

3rd: Chevy Equinox: Yes it might sound odd that an American vehicle has made my top 5 list but remember it’s tax season so who are you customers? Single mothers with children. They really don’t want the minivan yet because most are young so they prefer something sporty and yet have enough space for their children.

4th: Volvo XC90: There are a few other mid size imports that would jump ahead of the model but this is tax season and you are asking cash for your vehicle so what is reliable, affordable, and overall a good SUV. You can never go wrong with a Volvo.

5th: Toyota Sienna: I had to ad one minivan to the top 5 group because during tax season you will find many traditional families in need of space for a larger family and their is nothing better than a Minivan. Out of all the used van’s on the road by far the Sienna in my opinion is King. You won’t find really any Mechanical issues unlike the Honda Odyssey with transmission problems and the demand is always high for the Sienna.

There are my top 5 used cash vehicle sales based on my professional opinion. I’m curious to hear what are yours.

Places with the most Black people

If you like Black people these are the Places to go

  1. Nigeria 192 million Black people

2. Brazil 110 million Black people

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3. Ethiopia 100 Million

4. Democratic Republic of the Congo

5. United States of America  50 million Blacks

Cities with the most Black people

  1. Lagos Nigeria 25 million

2. Johannesburg 15 million

3.  Kinshasha 12 million

4. New York City 7 million

5. Luanda, Angola  6.5 million Blacks

 

 

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The 3 Most important purchases of your life

For the vast majority, the three largest purchases people make in their lives are buying a home, helping their children pay for college (or paying for it outright for themselves, the kids, or both), and purchasing cars (if you get two new cars — one for you and one for the spouse — every 10 years, the costs really add up.) Since your finances will be greatly impacted by the actions you take when buying these three, I thought I’d list what I consider the “best” ways to handle each of these (knowing that there may be other “best” options depending on a person’s circumstances and life goals.) Here goes:

Buying a Home

I listed my thoughts on the best way to buy a home five years ago when I posted My Formula for Buying a House. The keys:

    • Live in (or move to) a cheaper area of the country. (And after retirement, you may want to save more by retiring in a foreign country.)

 

    • Buy a house you can easily afford, putting at least 20% down.

 

    • Put extra payments into your budget.

 

    • Put bonuses, gifts, second job income and all other “extra” sources of money into paying off the loan.

 

  • Become debt free in 7-10 years.

Taking these steps allowed me to pay off my mortgage several years ago. The last time I had a mortgage payment was around 1997. Imagine what your life would be like with no mortgage payment. Yes, it’s pretty sweet.

Paying for College

Success in paying for college boils down to the same economics we face when we make any other purchase: be sure the cost is worth it — that you’ll get more out of it than you put in. If you take steps to make the most of your college degree, it’s very likely that going to college will be one of the best financial decisions you ever make. It certainly was for me.

Purchasing Cars

I like to buy new cars (click the link if you want to know why.) I can afford to do this and it’s what I prefer, so I do buy new. But if I was asked, I’d say most people would be better off buying a used car with low miles. That said, the prices used cars go for these days is making buying new not as “crazy” as it used to be.

Whether you buy new or used, here’s what I’d recommend:

    • Save up for the purchase in advance and pay cash (I’d take a 0% deal if they offered it, but most people pay the full-interest rates the car companies/banks offer. That’s a big no-no IMO.)

 

So, that’s my take on how to spend several hundreds of thousands of dollars over the course of your lifetime. Any comments?

Things to do and not to do when buying a car

1. Starting to Shop Before You Know Your Credit Standing

One of the biggest car buying mistakes you can make before you even step foot on a lot is not checking your credit. Your credit scores will impact whether you can get approved for a car loan at all and the rates and terms banks, credit unions and dealership financing units will be able to offer you. To be sure that you are getting the best rate on your car purchase, take a look at your credit scores (you can see two of your credit scores for free every 14 days on Credit.com) before you start shopping. If you have some time before you need to pull the trigger and buy a car, you can do a little work to fix your credit, getting you a better rate on the loan.

If you have no credit, getting a car loan is a bit trickier, but not impossible. Car loan rates are very low right now, with many dealerships running 0% offers on new models. And car loans generally have looser credit standards than credit cards because the dealer or bank knows they can always repossess the car to get their money back if you stop paying them. This means that people with no credit can still get a car, but they’ll be paying a higher interest rate, may be required to put up a larger down payment and they may also need a cosigner with decent credit to secure financing.

2. Not Researching Online

Thanks to the Internet, car buyers have a ton of information available to them these days. Websites like Kelley Blue Book, Cars.com and Edmunds all offer free information about car models, features, prices and you can even find owner ratings, car suggestions and reviews. Before you take your first test drive, you should compare cars in your price range, decide which car is right for you, and what price is fair to pay.

Once you have selected a car to purchase, be sure to get the VIN number and look up the vehicle’s history report online. It is important to check a car’s history even if it’s new. A lot can happen to a new car on the way from the factory. There have been cases of unscrupulous dealers trying to pass off vandalized or damaged cars as brand new. Plus, brand new cars damaged in floods or hurricanes often end up on the market. Avoid bad deals and lemons by doing your research online.

3. Thinking in Monthly Payments Instead of Price

A standard car dealer trick is to talk to you about a car’s cost in terms of what you are willing to pay each month instead of the actual price. This can be confusing and is often misleading because the salesperson will use the longest auto loan term available (72+ months) to calculate your possible rates. That extended loan term may seem affordable and budget-friendly when you look at just the monthly payment, but taking on a longer loan term means you’re upside down on the loan for longer, limiting your options for trading it in. A $25,000 car with a five-year loan has the same monthly payment as a $16,000 car with a three-year loan. The difference? You’ll end up paying $2,500 more in interest for the more expensive car. Go into the dealership knowing the total amount you can spend and stay below that number. (Getting pre-approved for a car loan in advance will help you stay within your budget as well.)

4. Buying Add-Ons From the Dealer

Add-ons are optional features that a dealer adds to a car. Common add-ons include undercoating, CD Stereo, alarm system, window tinting, chrome wheels, pin-striping and leather seats. These features are often overpriced and used as a way to boost the sale price of the car. Plus, it’s been shown that add-ons rarely add long-term value to your car. In some situations, such as an upgrade to a premium model, these add-ons can actually harm the resale value of a car. If you do decide that you need an add-on, check first with outside companies that may offer the service for less.

5. Not Shopping Around for Car Financing

Cities that are not the largest cities in their but have the largest Metros of their state

  1. Miami, Florida is home to 417,000 people with a metro of 5.6 million    Miami is not the largest city, but it is not the largest city in the state. Jacksonville which is home to 868,000 people which is almost as twice as many as Miami’s.

2. Cleveland, Ohio is home to 396,000 people but a metro of 3.5 million   Cleveland is the second largest city in the Ohio, (It used to be the largest city, but fell in population ) it is the largest metro in Ohio. Columbus is actually the largest city with 820,000 people and a metro of 2.4 million people

3. Virginia

They city of Arlington, Virginia is the largest city in Northern Virginia an area with 2.8 million. However at 230,000 people, Arlington is only the fourth largest city in the state

4. Saint Louis, Missouri is the second largest city in Missouri with a population or 315,000 people however it has a metro of 2.8 million. Kansas City has about 475,000 people is the largest city with a metro of 2.4 million people

 

5. Hartford

Hartford is the second largest city in Connecticut at 125,000 but with a metro of 1.5 million people

 

How Much Startup Cash did the World’s billionaires need to become rich

Aliko Dangote- $3,000

The Dangote Group was established as a small trading firm in 1977. Today, it is a multi-trillion naira conglomerate with many of its operations in Benin, Ghana, Nigeria, and Togo. Dangote has expanded to cover food processing, cement manufacturing, and freight. The Dangote Group also dominates the sugar market in Nigeria and is a major supplier to the country’s soft drink companies, breweries, and confectioners. The Dangote Group has moved from being a trading company to being the largest industrial group in Nigeria including Dangote Sugar Refinery, Dangote Cement, and Dangote Flour.

In July 2012, Dangote approached the Nigerian Ports Authorities to lease an abandoned piece of land at the Apapa Port, which was approved.[9] He later built facilities for his flour company there. In the 1990s, he approached the Central Bank of Nigeria with the idea that it would be cheaper for the bank to allow his transport company to manage their fleet of staff buses, a proposal which was also approved.

In Nigeria today, Dangote Group with its dominance in the sugar market and refinery business is the main supplier (70% of the market) to the country’s soft drinks companies, breweries and confectioners.[citation needed] It is the largest refinery in Africa and the third largest in the world, producing 800,000 tonnes of sugar annually. Dangote Group owns salt factories and flour mills and is a major importer of rice, fish, pasta, cement and fertiliser. The company exports cotton, cashew nuts, cocoa, sesame seed and ginger to several countries. It also has major investments in real estate, banking, transport, textiles and oil and gas. The company employs over 11,000 people and is the largest industrial conglomerate in West Africa.

 

 

 

Ashish Thakkar- $5,000

At 15, after the family had returned to Uganda, Thakkar sold a laptop to his dad’s friend, triggering the realization he could be a trader. His father gave him $5,000 start-up cash, and he started flying to Dubai to buy cheap computer products, which he sold from a tiny shop in central Kampala.

He expanded his business by setting up a Dubai-based company. He later started a packaging factory in Uganda and partnered with an Indian IT services company to help them gain entry in new markets across Africa, according to his websites.

Atlas Mara

 

Sudhir Ruparelia – $25,000

He moved to the United Kingdom with his parents in 1972 at the age of 16, when the dictator Idi Amin expelled all Asians from Uganda. He returned to Uganda in 1985, with US$25,000 earned from several casual jobs including working in supermarkets, factories, and butcheries. Ruparelia started selling beer and spirits imported from Kenya. In 1989, beer importation was banned to encourage local brewing of alcohol and he realised he could not make beer. But since his customers, who were mainly foreigners, paid him in foreign currency, he started Crane Forex Bureau, the first in Uganda. With his profits, Ruparelia ventured into other businesses, including forming Crane Bank in 1995. Later, he organized his businesses under the umbrella of the Ruparelia Group.

Most popular Ghanaian websites

  1. MyJoyOnline.com
    Okay, so we’re discussing about most visited websites in Ghana and here comes the only website from Ghana that falls within the first seven. MyJoyOnline.com is a news website owned by Joy fm in Ghana. You can see how hungry Ghanaians are for news about their country. If you want to operate a website in Ghana and make some good money, I’ll advice you to give a news website a try, if only you can do it really well, I mean writing and searching for news.
  2. Ghanaweb.com
    GhanaWeb, just like MyJoyOnline.com is a news website owned by a private individual, and a second most visited Ghanaian owned website.
  3. PeaceFmOnline.com
    PeaceFmOnline is the third Ghanaian owned website and also a news website owned by Peace fm in Ghana. News, news, and more news.
  4. Pulse.com.gh: Pulse.com.gh is one of Ghana’s popular news platform online. 24/7 news, gist, music, movies, events
  5. Tonaton.com: Tonaton is one of the largest online marketplace in Ghana that allows people to sell their own products or buy other’s products. Tonaton is a Ghanaian (Twi) word that means buy and sell. It’s current competitor is olx.com.gh.